Chase Ink Business Cash® Credit Card Review:

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The Chase Ink Business Cash® Credit Card is a strong choice for small business owners looking to earn high cash back in select spending categories—with no annual fee. With a generous welcome bonus, valuable purchase protections, and practical business perks, it’s a well-rounded card for everyday operations.

In this review, we’ll cover the key benefits of the card, including its introductory offer, bonus categories, built-in protections, and other features that make it a smart pick for business spending.

A Standout Introductory Offer

The Ink Business Cash offers a strong cash back return for its introductory offer, which appeals to many business owners who need to make modest purchases for their business. The introductory offer is made up of two parts, which are as follows:

• $350 bonus after spending $3,000 in the first 3 months after account opening

• An additional $400 bonus after spending $6,000 in total within the first 6 months after account opening

Optimized Cash Back for Maximized Business Spending

The Ink Business Cash offers a variety of earn rates across multiple categories, making it easy for cardholders to easily earn cash back on any expenses that they need to put towards their business. Here’s how the earn rate breaks down:

• 5% cash back on the first $25,000 in combined purchases each account anniversary year in the following categories:

• Office supply stores

• Internet, cable, and phone services

• 2% cash back on the first $25,000 in combined purchases each account anniversary year in the following categories:

• Gas stations

• Restaurants

• 1% cash back on all other purchases

• 5% cash back on qualifying Lyft purchases through 09/30/2027

These cash back rates reward everyday operational expenses that small businesses would use, making the Ink Business Cash a well-rounded card for small business owners.

Travel Protection Benefits

The Ink Business Cash is not marketed as an optimal card for frequent travelers, as it doesn’t offer a bonus cash back or points rate for travel purchases. It also offers very basic travel insurance protections compared to other cards on Chase’s market. The Ink Business Cash only offers insurance for vehicle rentals, with the coverage being defined as:

• Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Final Thoughts: Is the Ink Business Cash Right for You?

If your business frequently spends in categories like office supplies, telecommunications, gas, and dining, the Chase Ink Business Cash card is an ideal fit. The card offers excellent earning potential which rewards small business owners who need to make moderate expenditures–all without an annual fee.

For businesses seeking high rewards on essential expenses and a substantial welcome bonus, the Ink Business Cash delivers dependable value.