The Chase Ink Business Cash Credit Card is a popular credit card designed specifically for small business owners who want to earn rewards on their business expenses. The card offers cash-back rewards on various business-related purchases such as office supplies, internet, cable, and phone services, and even gas stations.

In addition to the rewards program, the card also comes with a host of benefits that are geared toward business owners. This includes purchase protection, extended warranty coverage, and an auto rental collision damage waiver, among others.

The card has no annual fee and offers a 0% introductory APR for the first 12 months on purchases and balance transfers. The APR will change depending on the prime rate after the introductory period.

Overall, the Chase Ink Business Cash Credit Card can be a valuable tool for small business owners looking to earn rewards and take advantage of useful benefits.

Now that we have an overview of the Chase Ink Business Cash Credit Card and its features, let’s dive deeper into the benefits that this card can offer to small business owners.

$900 Cash Back:

After making $6,000 in purchases during the first three months of starting your account, you’ll receive a $900 extra cash back

This offer means that if you spend $6,000 or more on purchases within the first three months of opening your account, you will receive a cashback bonus of $900. This is a significant amount of cash back, which can be used towards your business expenses or redeemed for other rewards.

5% Cash Back:

Every account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and for internet, cable, and phone services:

This feature allows you to earn 5% cash back on your combined purchases at office supply stores and on internet, cable, and phone services, up to a maximum of $25,000 per account anniversary year. This can help you save money on essential business expenses and earn rewards at the same time.

2% Cash Back:

Every account anniversary year, get 2% cash back on the first $25,000 spent in a combined gas station and restaurant purchases:

This feature allows you to earn 2% cash back on your combined purchases at gas stations and restaurants, up to a maximum of $25,000 per account anniversary year. This is a great way to earn rewards for your business-related travel and dining expenses.

Fraud Protection:

Your card transactions will be scrutinized for potential indications of fraud using real-time fraud monitoring when you use Fraud Protection:

This feature means that Chase will monitor your card transactions for any suspicious activity and notify you if they detect any signs of fraud. This can help protect you from unauthorized charges and other fraudulent activity.

Zero Liability:

You won’t be liable for fraudulent charges made using your card or account details if you choose Zero Liability:

This feature guarantees that any unauthorized charges made using your card or account details won’t be held against you. If you notice any unauthorized charges on your account, you can report them to Chase, and they will investigate the matter.

No yearly Fee:

This card does not charge an annual fee, which can help you save money on your business expenses.

Chase Ultimate Rewards:

You may swap rewards for cash back, gift cards, travel, and more with Chase Ultimate Rewards®:

This feature allows you to redeem your cashback rewards for a variety of options, including cash back, gift cards, travel, and more. Chase Ultimate Rewards® is a flexible rewards program that allows you to choose the reward option that works best for you.

0% Introductory APR:

Introductory APR of 0% on purchases for 12 months:

This feature means that you won’t be charged any interest on purchases made with your card for the first 12 months after opening your account. This can help you save money on your business expenses and manage your cash flow more effectively.

Pros:

No annual fee

One of the key benefits of the Chase Ink Business Cash Credit Card is that it does not charge an annual fee. This can help you save money on your business expenses and avoid paying unnecessary fees.

Intro APR period

The card offers a 0% introductory APR for 12 months on purchases. This can be a great way to save money on interest charges if you need to make a large purchase or have other expenses that you need to pay off over time.

New cardholder bonus offer

With the current offer, you can earn $900 in bonus cash back after spending $6,000 on purchases in the first three months from account opening. This is a significant cash back bonus that can help you offset your business expenses or redeem for other rewards.

Cons:

Requires good/excellent credit

To be approved for the Chase Ink Business Cash Credit Card, you will need to have good to excellent credit. This means that if your credit score is less than ideal, you may not be able to qualify for the card.

Low rate outside bonus categories

While the card offers generous rewards on certain categories, such as office supply stores, gas stations, and restaurants, the rewards rate on other categories is only 1%. This may not be as competitive as other rewards credit cards on the market.

Spending caps on bonus rewards

The card has spending caps on bonus rewards, which means that once you reach the maximum spending limit for a bonus category, you will only earn 1% cash back on additional purchases in that category. This can limit the number of rewards you can earn in certain categories, particularly if you have high business expenses in those areas.

Overall, the Chase Ink Business Cash Credit Card can be a valuable tool for small business owners looking to earn rewards and take advantage of useful benefits. With no annual fee, a 0% introductory APR, and a generous rewards program, this card offers a great way to save money on essential business expenses while earning cash back rewards. Additionally, the card comes with fraud protection and zero liability, which can help protect you from unauthorized charges and other fraudulent activity. If you’re a small business owner looking for a credit card that can help you save money and earn rewards, the Chase Ink Business Cash Credit Card is definitely worth considering.