Ink Business Cash®

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Score Needed: Good to Excellent

Ink Business Cash®

At a glance

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening plus earn a 10% Business Relationship Bonus.

Limited Time Offer

New Offer

All time high

Rewards

5% cash back on Lyft rides through March 31, 2025

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.

5% cash back on Lyft rides through March 31, 2025

Points on other purchases

Intro APR

0% Intro APR on Purchases for 12 months

Balance Transfer Intro

N/A

Regular APR

18.49% - 24.49% Variable

Annual Fee

Ink Business Cash®

The Chase Ink Business Cash® card offers unmatched value for business owners. Earn 5% cash back on office supplies and internet services, and 2% at gas stations and restaurants. Enjoy no annual fee, a 0% intro APR for 12 months, and free employee cards. Flexible reward redemption and robust travel protection make it an essential tool for managing and growing your business.

Application Tips

Get the best results with each application

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase

Credit Inquires

No items found at this time

Chase Bank will usually pull your Experian credit report.

Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.

Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.

Downgrade Options

Getting your card

Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

Travel Medical Insurance

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Roadside Assistance

Roadside Dispatch

If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Auto CDW Insurance

Auto Rental Collision Damage Waiver

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 the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

With just the Ink Business Cash® Credit Card, you can't transfer points to partners.

However, if you also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Preferred, you can first move your points to one of these cards and then transfer them to any Chase Travel Partner.

Transfer your Cash to any of the following Chase Travel Partners.

Points Transfer Partners

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

N/A

Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

The Chase Ink Business Cash® card is a favorite among business owners for its impressive rewards and practical benefits. Here’s why we love it:

Generous Cash Back: Earn 5% cash back on office supplies and internet services.
No Annual Fee: Save more with zero annual fees.
Flexible Redemption: Use rewards for travel, gift cards, or straight-up cash.
Intro APR: Enjoy 0% intro APR on purchases for the first 12 months.
Employee Cards Free: Get additional cards for employees at no extra cost.
Travel Protection: Benefit from travel and purchase protections.
Higher Limits: Higher credit limits to help your business grow.
Easy Expense Management: Simplified tracking and categorization of expenses.

Considerations

The Chase Ink Business Cash® card offers great benefits, especially for new purchases with its 0% Intro APR for the first 12 months. However, it's important to consider some potential drawbacks before applying.

Foreign transaction fee of 3%.
Requires good to excellent credit for approval.
Limited to business-related expenses for optimal rewards.
Rewards are capped at $25,000 per year in combined purchases for certain bonus categories.
No direct transfer option to airline or hotel loyalty programs.
No lounge access or premium travel perks or significant travel insurance benefits.

Ink Business Cash®

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Why We Like it

Considerations

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