Is the Ink Business Cash Right For You?

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Small business owners, this one’s for you. If you’re hunting for a business card that earns rewards on your everyday expenses without charging an annual fee, look no further than the Ink Business Cash® Credit Card.

This card is designed to turn your business spending into valuable rewards—whether it’s stocking up on office supplies, fueling up the company car, or paying those all-too-frequent phone bills.

Us, to the Ink Business Cash 😊

Let’s break down why the Ink Business Cash might be your new work BFF.

Here’s everything we’ll dive into:

Pros and Cons

Let’s get into it, shall we?

Pros:

  • 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 purchases.

  • $0

  • Employee cards at no additional cost, with the ability to set spending limits

Cons:

  • Bonus categories are capped at $25,000 annually, which may be limiting for larger businesses

  • Lacks premium travel perks like lounge access or transfer partners

Why We Love the Ink Business Cash:

This card is all about rewarding the stuff your business already spends money on. The 5% and 2% bonus categories cover common business expenses, and with no annual fee, you can rack up cash back without any overhead costs. Plus, the $900 welcome offer? Yes, please.

Another bonus: Employee cards. Whether you’ve got a small team or a growing one, you can issue cards at no extra cost and control how much each employee spends.

It Plays Well With Others

Here’s where things get interesting. While the Ink Business Cash is a stellar cash-back card on its own, it becomes even more powerful when paired with a premium Chase Ultimate Rewards card like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card, or the Chase Sapphire Reserve®.

When you transfer your Ink Business Cash points to one of these premium cards, they become fully convertible to travel partners or redeemable for increased value through Chase’s travel portal (1.25x or 1.5x, depending on the card). Imagine turning those 5% cash-back office supply runs into flights, hotel stays, or business-class upgrades!

The strategy is simple: Use the Ink Business Cash for its high-value bonus categories and let your premium Chase card handle travel and dining. Together, they form a points-earning machine that works for both your everyday expenses and your business travel goals.

To Wrap Things Up

The Ink Business Cash offers incredible value for small business owners who want to earn on essentials without paying an annual fee. Pair it with a premium Chase card, and you’ve got a system that maximizes every dollar you spend.

Whether you’re running a side hustle or managing a full-fledged company, this card deserves a spot in your wallet. The rewards speak for themselves—and your bottom line will thank you.

Our Experts
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