Unlock Business Savings with the Chase Ink Business Cash Card

The Chase Ink Business Cash® Credit Card is an excellent choice for small business owners, particularly those who frequently purchase office supplies and utilize various technology services. This card offers a generous 5% cash back on office supply purchases and select utilities, along with 2% cash back at restaurants and gas stations, all up to the first $25,000 spent in combined purchases each account anniversary year. With no annual fee, it’s an attractive option for businesses looking to maximize their rewards.

For businesses that do not incur significant travel expenses, a travel rewards card may not seem necessary. However, the Chase Ink Business Cash Card stands out by providing substantial cash back on everyday office expenses, including supplies, internet, cable, and phone services. Additionally, the rewards can be further enhanced if transferred to a card that earns Chase Ultimate Rewards points, effectively doubling their value.

To apply for the Chase Ink Business Cash Card, a recommended credit score of 670 or above is advised. The card is designed for straightforward cash-back redemption, making it user-friendly for busy business owners.

One of the most enticing features of the Ink Business Cash Card is its welcome offer: earn $900 cash back after spending $6,000 on purchases within the first three months of account opening. This cash-back bonus can be converted into Ultimate Rewards points if you also hold a card that earns those points, such as the Ink Business Preferred® Credit Card or the Chase Sapphire Reserve®. According to The Points Guy’s January 2025 valuations, 90,000 Ultimate Rewards points can be worth as much as $1,845, providing substantial value for savvy spenders.

A standout benefit of the Ink Business Cash Card is the ability to request additional cards for employees at no extra cost. This allows business owners to earn rewards on employee spending while maintaining control through individual spending limits. Furthermore, purchases made with the card come with purchase protection and extended warranty benefits. New purchases are protected against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account. This coverage can save businesses significant costs over time.

When renting a vehicle for business purposes, the Ink Business Cash Card also offers an auto rental collision damage waiver, which provides primary coverage if you decline the rental company’s insurance. This coverage can reimburse you for theft and collision damage, making it a valuable benefit for businesses that require travel.

Whether traveling domestically or internationally, cardholders can access legal and medical referrals through the Benefit Administrator, providing peace of mind during emergencies. Additionally, the card features zero liability protection, ensuring you won’t be held responsible for unauthorized charges, thanks to Chase’s real-time fraud monitoring.

The cash-back structure of the Chase Ink Business Cash Card is particularly appealing. You earn 5% cash back on the first $25,000 spent each account anniversary year at office supply stores, as well as on internet, cable, and phone services. Additionally, you’ll earn 2% cash back on the first $25,000 spent at gas stations and restaurants each year. All other purchases earn a flat 1% cash back.

This 5% cash back rate is one of the most competitive among no-annual-fee cards, and it becomes even more advantageous when paired with a card that earns Chase Ultimate Rewards points. By transferring cash back to Ultimate Rewards points, you can effectively earn 5 points per dollar spent on eligible office supply and utility purchases. Given that TPG values Ultimate Rewards points at approximately 2.05 cents each, this translates to an impressive 10% return on spending in these categories.

While redeeming rewards for cash is easy—either as a statement credit or direct deposit—other options like gift cards and travel experiences may offer lower value. Therefore, it’s generally advisable to opt for higher-value redemption methods.

If you hold a card like the Ink Business Preferred Credit Card or Chase Sapphire Reserve, you can convert cash-back rewards from the Ink Business Cash Card into Ultimate Rewards points. This conversion opens up opportunities to transfer points to airline and hotel partners or book travel directly through Chase Travel℠ at a more favorable rate.

The Ink Business Cash Card is particularly well-suited for small business owners who spend less than $25,000 annually in combined purchases. It provides valuable benefits and no annual fee, making it a smart choice for those looking to earn cash back on essential business expenses, especially in office supply and utility categories.

In summary, the Chase Ink Business Cash Card is an excellent option for small business owners seeking a straightforward cash-back rewards program. Its combination of simplicity, robust cash-back earning potential, and the ability to convert rewards into travel points makes it a versatile tool for managing business expenses. If your spending habits align with the card’s bonus categories, adding the Ink Business Cash Card to your wallet could significantly enhance your cash-back earnings without the burden of an annual fee.

For more information or to apply for the Chase Ink Business Cash Card, visit their official website.

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