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The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others.
Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee.
This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards.
Intro Purchase APR
0% Intro APR on Purchases for 12 months
Regular Purchase APR
14.74% - 20.74% Variable
Intro BT APR
N/A
Regular BT APR
14.74% - 20.74% Variable
Annual Fee
$0
Cash Advance Fee
Either $15 or 5% of the amount of each transaction, whichever is greater.
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Signup bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Intro APR on purchases
If you need time to pay off a large purchase, the Ink Business Cash® Credit Card offers the following intro APR: 0% Intro APR on Purchases for 12 months, after which an APR of 14.74% - 20.74% variable will apply.
Elevated rewards on business expenses
The Ink Business Cash® Credit Card can help offset the cost of everyday business expenses. 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.
You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account, for gift cards or for travel. When you use points to redeem for gift cards and travel, each point is worth $0.01, which means that 100 points equals $1 in redemption value.
Annual fee
The Ink Business Cash® Credit Card charges a $0 annual fee.
Primary rental car insurance
While many cards may offer car rental collision coverage, that coverage may be “secondary,” meaning this coverage kicks in after any claims are made through your insurance. The Ink Business Cash® Credit Card offers primary car rental insurance, which saves you the hassle of having to deal with your own auto insurer.
Foreign transaction fee
If traveling abroad, it’s best to use a card that doesn’t charge foreign transaction fees. The Ink Business Cash® Credit Card will assess 3% of each transaction in U.S. dollars on purchases made overseas.
Spending cap on bonus categories
It’s important to note that there is an annual spending cap for earning the higher rewards rates. After your business hits that cap, you’ll only be able to earn 1% cashback on all purchases.
The Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card are both issued by Chase, but they differ in annual fee, rewards and 0% intro period.
The Ink Business Cash® Credit Card has a $0 annual fee while the Ink Business Preferred® Credit Card has a $95 annual fee. The fee may be worth it if your business spends more in the high-earning categories that the Ink Business Preferred® Credit Card offers. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
The Ink Business Preferred® Credit Card offers a benefit where points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. This is a great way to increase your rewards and makes the Ink Business Preferred® Credit Card the better card for businesses wanting a travel-centric card.
Some key differences are the lack of a 0% intro APR period with the Ink Business Preferred® Credit Card, but the Ink Business Preferred® Credit Card charges $0 foreign transaction fees, has a higher spend cap for purchases earning the higher rewards rate, plus a more generous sign up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
In exchange for an annual fee, the Ink Business Preferred® Credit Card also comes with more travel benefits as well as cellphone insurance.
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| Ink Business Cash® Credit Card | Ink Business Preferred® Credit Card | Ink Business Unlimited® Credit Card | Capital One Spark Cash Select - $500 Cash Bonus |
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Apply Now on Chase's secure site
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Apply Now on Chase's secure site
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Apply Now on Chase's secure site
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Apply Now on Capital One's secure site
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| Annual Fee | |||
| $0 | $95 | $0 | $0 |
| Welcome Offer | |||
| Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. | Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. | Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. | $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening |
| Rewards Rate | |||
| 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. | Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. | Earn unlimited 1.5% cash back on every purchase made for your business | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel |
| Intro Purchase APR | |||
| 0% Intro APR on Purchases for 12 months | N/A | 0% Intro APR on Purchases for 12 months | N/A |
| Regular APR | |||
| 14.74% - 20.74% Variable | 17.49% - 22.49% Variable | 14.74% - 20.74% Variable | 14.74% - 20.74% (Variable) |
| Intro Balance Transfer APR | |||
| N/A | N/A | N/A | N/A |
| Regular Balance Transfer APR | |||
| 14.74% - 20.74% Variable | 17.49% - 22.49% Variable | 14.74% - 20.74% Variable | 14.74% - 20.74% (Variable) |
| Balance Transfer Fee | |||
| Either $5 or 5% of the amount of each transfer, whichever is greater. | Either $5 or 5% of the amount of each transfer, whichever is greater | Either $5 or 5% of the amount of each transfer, whichever is greater. | $0 at this Transfer APR |
| Recommended Credit | |||
| Excellent | Excellent | Excellent/Good | Excellent |
| Card Details | |||
| Ink Business Cash® Credit Card | Ink Business Preferred® Credit Card | Ink Business Unlimited® Credit Card | Capital One Spark Cash Select - $500 Cash Bonus |
The Ink Business Cash® Credit Card is a great card for businesses that spend at office supply stores and on internet, cable and phone services. Not only will you enjoy a higher rate on these purchases than with competing cards, but you will also get a solid intro period for new purchases, allowing you to take time to pay off new transactions without accruing interest — all great benefits for $0 annual fee.
