Chase Ink Business Cash

Chase Ink Business Cash

The Chase Ink Business Cash credit card, issued by Chase Bank, is designed specifically for small business owners looking to maximize their cash flow while earning valuable rewards. As a popular option among business credit cards, it stands out due to its attractive rewards structure, substantial sign-up bonuses, and a host of additional benefits. This detailed review explores the various features of Chase Ink Business Cash, helping potential cardholders make an informed decision.

Card Type

Chase Ink Business Cash is a cashback credit card that focuses on providing significant rewards for business-related purchases. It is tailored to meet the needs of small business owners who want to earn cash back on everyday expenses while managing their business finances effectively.

Annual Fee

One of the standout features of the Chase Ink Business Cash card is that it comes with no annual fee. This makes it an appealing choice for small business owners who want to keep costs low while enjoying the benefits of a rewards credit card.

Rewards Program

The rewards program for the Chase Ink Business Cash card is particularly competitive. Cardholders earn 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, cardholders earn 2% cashback on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% cashback on all other purchases. Cashback rewards can be easily redeemed in various ways, including statement credits, checks, or direct deposits, giving users flexibility in how they use their rewards.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus. Currently, for a limited time, users can earn an additional $750 in cashback after spending $7,500 on purchases in the first three months from account opening. This offer not only enhances the card’s value but also incentivizes new business owners to try it for their expenses.

APR (Annual Percentage Rate)

The Chase Ink Business Cash card offers a regular APR of 15.49% to 21.49% (variable), depending on creditworthiness. Additionally, there may be promotional offers with 0% introductory APR for the first 12 months on purchases, providing businesses with the opportunity to finance larger purchases without incurring interest immediately.

Foreign Transaction Fees

For frequent travelers, the Chase Ink Business Cash card is an excellent option as it does not charge any foreign transaction fees. This makes it suitable for businesses that operate internationally or require travel to meet clients and customers.

Balance Transfer Options

The card also features balance transfer options, allowing cardholders to transfer balances from other high-interest credit cards. Transfers may qualify for 0% APR for an introductory period, allowing users to save on interest while paying down debt.

Additional Fees

While the card does not have an annual fee, it is important to be aware of other additional fees. These include late payment fees of up to $39 and cash advance fees, which may vary. Understanding these fees helps users avoid unexpected charges and manage their finances efficiently.

Card Benefits and Perks

Cardholders of the Chase Ink Business Cash enjoy multiple benefits and perks, including travel insurance, purchase protection, and extended warranty coverage on eligible purchases. Additionally, card members can access exclusive concierge services to assist with travel and entertainment arrangements.

Customer Protections and Insurance

The card prioritizes customer protections, offering features such as zero liability on fraudulent transactions, purchase protection on new items against damage or theft, and rental car insurance to cover rental vehicles when the card is used for payment, ensuring peace of mind for business expenditures.

Eligibility and Credit Score Requirements

To apply for the Chase Ink Business Cash credit card, applicants should have a recommended credit score in the range of 680 to 720. Other criteria for approval may also include business revenue and credit history, making it beneficial for those with good credit standing.

Introductory Offers

As mentioned earlier, the 0% introductory APR for 12 months on purchases is a notable feature of this card. This offer helps organizations maintain liquidity during the initial stages of growth without the burden of immediate interest charges.

Special Features or Unique Selling Points

The Chase Ink Business Cash provides unique benefits that make it attractive to business owners, such as versatile cashback redemption options and robust expense management tools that integrate with accounting software, simplifying bookkeeping.

How to Apply

Applying for the Chase Ink Business Cash credit card is straightforward. Interested individuals can visit the UpCube.net for more comprehensive financial insights. To start your application process, visit the