Ink Business Cash Credit Card Overview
Datong Ink Business Cash® Credit Card (See rates and fees) This is a great option for small businesses looking to receive rewards in office supplies and select utilities, as well as in gas stations and restaurants. If you transfer the value of your reward to a card that earns Chase Ultimate Rewards points, you can more than double it. Card rating*: ⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
this Ink business cash It is one of the best unfamiliar business cards on the market.
It offers high-income daily expenses such as office supplies, wired, internet and telephone services, as well as huge returns at gas stations and restaurants. And, if you also have a premium chase card, you can unlock greater value by transferring the rewards to the final reward ecosystem.
The recommended credit score for applying for this card is 670 or higher.
Let’s take a closer look at the Ink Business Cash Credit Card so you can determine if it’s right for your business.
Pros and cons of cash in ink business
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Ink business cash welcome offer
this Ink business cash Profitable limited-time welcome bonuses are currently being offered. New applicants can earn $900 in cash bonus after spending $6,000 in purchase fees within three months of opening an account.
This is the highest bonus available in the card history, and it is the first time we have seen it since January 2024. Therefore, now is the best time to apply.
If you transfer your cashback reward to a card that receives the final reward points, such as the Ink Business Preferred® Credit Card, e.g. Chase SapphireReserve® (See rates and fees), Chase Sapphire Priority® Card (See rates and fees) or Chase Sapphire Reserve for Business- (See rates and fees).
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According to TPG’s September 2025 valuation, if you also own one of these cards, your cashback will be 90,000 ultimate reward points worth $1,845.
The preferred information for ink business is collected independently by partners. The card details on this page have not been reviewed or provided by the card issuer.
Ink business cash is subject to Chase’s 5/24 rule, which means you may be denied if you have opened five or more personal credit cards in all banks over the past 24 months.
Related: Your Guide to Chasing Ink Business Credit Cards
Ink business cash benefits
this Ink business cash is an unfamiliar card that offers modest benefits and perks.
One of the best privileges of this card for many small business owners is that you can ask your staff for a card without additional fees. You will receive their spending rewards and even set individual employee spending limits to greater control.
When you purchase qualified items in ink business cash, these purchases will be covered by extended warranty and purchase protections. These protections can save some serious cash for your business.
Extended warranty protection extends U.S. manufacturers’ warranty duration by one year, paying for three years or less. Purchase Protection covers your new purchase for 120 days to breach damage or theft, up to $10,000 per claim and $50,000 per account.
When you rent a car, you may be covered by Ink Business Cash’s automatic rental collision loss waiver when you reject the rental company’s collision insurance and charge your card with all rental fees. When renting, coverage is the primary and provides compensation for the actual cash value of most rental vehicles in the United States and abroad to repay the actual cash value of the vehicle.
Whether you are at home or abroad, you can call the welfare administrator for legal and medical referrals, as well as other travel and emergency assistance. Agents can provide guidance and information when needed, but you will be responsible for the cost of any services you receive.
Finally, Ink Business Cash has zero liability protection, which means you are not responsible for unauthorized expenses for using your card or account information. Chase will help protect your account with real-time fraud monitoring.
Related: Reasons for applying for cash in ink business
Rewards for earning cash in ink business
chase Ink business cashyou will earn:
- 5% cash back on office supply stores as well as wired, internet and telephone services (up to $25,000 per account anniversary year combined purchase)
- 2% cash back at gas stations and restaurants (up to $25,000 per combined purchase for the anniversary year of the account)
- Cash back from all other purchases 1%
5% cashback For a non-small card, this is one of the best cash credit card earning rates on the market, and it’s even better if you have a card that can win the ultimate reward points for chasing. You can then return cash to the Ultimate Reward Points and effectively earn 5 Ultimate Reward Points per dollar spent on office supplies stores as well as wired, internet and telephone services.
Since TPG’s September 2025 valuation of PEG Ultimate Rewards points of 2.05 cents, these categories have had a return on spending of over 10%.
Related: Commercial Credit Cards and Pay Cards – Which one is right for you?
Reward for redemption of ink business cash
Just chase Ink business cash Being a cash reserve card does not mean you have no option to redeem rewards. If you redeem your cash, you can use your funds as an account statement credit or enter a qualified U.S. checking or savings account via electronic deposit.
Other options such as gift cards, travel, unique experiences, Amazon Store with points and Apple Ultimate Rewards Store offer less than the face value for your cash returns. Therefore, we generally do not recommend that you redeem your rewards for these low-value options.
Related: How to Maximize Chase Ultimate Reward Points
Rewards for transferring cash for ink business
If you have a card such as Ink Business or a sapphire card that earns the ultimate reward points for Chasing Ultimate Rewards, you can unlock additional redemption options: You can convert your cash back rewards Ink business cash Chase the Ultimate Reward Points.
Another card that earns Chase Ultimate Rewards points must be registered with you, the owner of the company, or a member of the family to qualify. Once you point out your final reward income account, you can transfer them to airlines and hotel travel partners, or read directly through ChaseTravel℠ for a higher price.
TPG contributor Matt Moffitt converts cash back earned from his ink business into final reward points when he owns Chase Sapphire Reserve. He then transferred these points to the World of Hyatt to obtain redemption for high-value hotels.
Related: How to Book a Travel (and Save Points) with Chase Travel
Which cards compete with ink business cash?
this Ink business cash A great option if your main expenses match the office supply and utility bonus categories. But here are some other options:
For additional options, check out our full list of our best business credit cards.
Related: How to Get a Business Credit Card
Is the cash worth the ink business?
Ink business cash is ideal if your business is in its best bonus categories (office supplies stores, wired, internet and telephone services; or gas stations and restaurants). Once the cap is reached, the revenue from the bonus drops to 1%, so the card is best suited for businesses with moderate fees in these categories.
Bottom line
If you are looking for cash rewards or the ability to return cash to a transferable travel reward, the combination of simplicity and redemption potential makes ink business cash a great option.
If you frequently shop in an office supply store or pay cables, internet and telephone services with a credit card, please add Ink business cash A wallet can increase your expense income without paying an annual fee.
Apply here: Ink business cash
