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Chase Ink Business Cash Credit Card Review

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You’ve decided to start a business. Or maybe your business is finally taking off. Either way, you need a new line of credit to keep up with the hustle and bustle of managing your own business. What exactly should a business credit card do? Well for starters, it should have perks that help your business thrive. Maybe the ability to rack up rewards on everyday purchases. And it definitely should allow you to add employee cards as your business grows.

That’s where the Chase Ink Business Cash Credit Card comes in. In this review, we’ll run through the pros and cons so you can decide if this is the best card for your business.

Ink Business Cash℠ Credit Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% Intro APR on Purchases for 12 months

Ongoing Apr:
14.74% - 20.74% Variable

Balance Transfer:
14.74% - 20.74% Variable

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Card Details +

The Basics

Here’s the nitty-gritty on the Chase Ink Business Cash Credit Card:

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Who Is This Card For?

New business owners rejoice—the Chase Ink Business Cash Credit card is a great choice. Its cash back perks could be a big plus for new businesses. Do you need to grab office supplies for a new office space? You’ll get a lot of use from the 5% cash back perk on office supply stores. Are you planning on schmoozing new clients? That 2% cash back on restaurants will really come in handy.

If you have good to excellent credit, this card could be a great fit. But if you have less-than ideal credit, you might want to improve your credit score before you apply for this card. Try grabbing a credit card for bad credit to help you build it up.

The Full Review

Even if you’ve never had a business credit card before, you probably know the drill—every credit card has its pros and cons. We’ve gathered all the info you need to learn if the Chase Ink Business Cash Credit Card a good move for you and your business.

The Benefits

Right off the bat, you’ll earn a hefty $500 sign-up bonus if you spend $3,000 in the first three months. Just think of all the breakroom snacks you can stock up on with that cash! Plus, the Chase Ink Business Cash Credit Card doesn’t have an annual fee. That’s more money you can use toward growing your business.

The $500 sign up bonus isn’t the only perk you get upfront: The Chase Ink Business Cash Credit card also has a APR of 0% Intro APR on Purchases for 12 months on purchases. After a year, the ongoing APR is 14.74% - 20.74% Variable .

And as your business grows, this card can grow with you. You can add employee cards at no additional cost.

When it comes to cash back, this card doesn’t disappoint. You can earn 5% cash back on the first $25,000 you spend at office supply stores and on internet, cable and phone services each anniversary year. And you’ll earn an additional 2% cash back on the first $25,000 you spend at gas stations and restaurants each anniversary year. And this card gives you 1% cash back on all other purchases, without a limit.

The Drawbacks

Sure, the 5% cash back on office supplies and other services is useful. But if your business doesn’t usually spend a ton on those things, then you probably won’t find this perk useful. Plus, if you’re a new business that doesn’t typically do wining and dining, you might not get a ton out of the 2% cash back on gas station and restaurant purchases.

On the other hand, if you are planning on spending a good amount on these purchases, you’ll have to keep an eye on your spending. The $25,000 cap on both cash-back perks doesn’t leave any wiggle room. If your business typically makes a lot of big purchase, you might hit that cap sooner than later. For those big spenders out there, try hunting for a business credit card that can cater to your needs.

The Chase Ink Business Cash Credit Card isn’t for those with less-than-good credit. If your credit score could use some work, this card probably isn’t for you. It’s also got an ongoing APR that’s a bit on the high side—an APR of 15.24%–21.24% Variable might be tricky for some.

Is This the Right Card for Your Business?

Before you take the plunge and choose a card, think about what your business does and what it needs. Are you a bigger business looking for a new line of credit? This probably isn’t the right card for you. If you typically make a lot of big purchases, the caps on cash-back categories might be a bit pesky. Plus, this card is lacking in other categories, such as travel and hotel perks.

But if you’re just starting a small business, then the Chase Ink Business Cash Credit Card is a great choice. The 5% cash back on office supply stores, internet, cable and phone services is a great perk if you’re just starting out and stocking up a new office. Plus, the $500 cash-back bonus adds a nice little something extra to your growing business.

Is It Worth it?

The Chase Ink Business Cash Credit Card is great for new business owners with good to excellent credit. If you don’t mind missing out on perks common with other business credit cards, such as travel and hotel perks, then this card could work for you.

If you’re a pro in the business arena and you know that your business typically spends a lot on these cash-back categories, then this card is worth applying for. But when push comes to shove, you’re the only one who can decide if the Chase Ink Business Cash Credit Card is right for your business.

Not ready to apply yet? We’ve got you covered. Check out our expert guide on business credit cards.

 

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