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[EXPIRED] Chase Ink Business Cash® Credit Card

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EXPIRED DEAL. Please note that the credit card offer mentioned in this post has expired. This information is provided for historical reference only and may no longer reflect the current terms, benefits, or availability of the mentioned product. We strive to present the most accurate and up-to-date information, but offers can change frequently and without prior notice. For the latest credit card offers and details, we recommend visiting the issuer’s official website or contacting them directly.

Our Take:

With no annual fee and a generous sign-up bonus of $900, this card is well-suited for businesses that frequently incur expenses on office supplies and telecom services. It offers practical financial benefits for those looking to get more value from their routine spending.

The main downside is that the bonus categories have a yearly cap, which may not be the best for big spenders who want to maximize their rewards.

Positive
  • No annual fee
  • Up to 5% back (5 points per dollar) for common business purchases
  • Cash back can be converted into travel rewards
Negatives
  • Reward earnings are limited to the first $50,000 spent annually
  • Only small business owners qualify

Key Features:

Welcome Bonus – $900 Cashback:
Secure 90,000 bonus points, convertible to $900 cashback, by making purchases worth $6,000 within the initial three months of account opening. These points are non-expiring as long as your account is active.

Cashback Rewards (1% to 5%):

  • Earn 5% cash back on the first $25,000 spent annually at office supply stores and internet, cable, and phone services.
  • Enjoy 2% cash back on the first $25,000 spent at restaurants and gas stations.
  • Earn 1% cash back on all other purchases.
  • Get a special 5% cash back on Lyft rides until March 31, 2025.
  • For users undeterred by spending limits, consider the Chase Ink Business Unlimited® Credit Card.

Rates and Fees:

  • Zero annual fee.
  • A 3% transaction fee applies to foreign purchases. For frequent overseas transactions, the Chase Ink Business Preferred® Credit Card is advisable

Eligibility Criteria:

  • A credit score ranging from good to excellent (690 to 850) is required.
  • Adherence to Chase’s 5/24 Rule: Applications may be declined if you’ve opened five or more credit cards (from any bank) in the past 24 months.

Exclusive Perks:

  • Employee Cards: Obtain additional cards for employees at no extra charge for quick and easy access to business funds.
  • Auto Rental Collision Waiver: Receive primary coverage for auto rental collision damage, covering up to the vehicle’s actual cash value.
  • Travel Assistance: 24/7 travel and emergency assistance is available, with travel accident insurance coverage of up to $500,000.
  • Baggage Protection: Claim up to $3,000 for lost luggage per insured person and receive $100 per day for baggage delays exceeding six hours.
  • Purchase Protection: Enjoy 120 days of protection against damage or theft for your purchases, with coverage of up to $10,000 per claim or $50,000 per account.
  • Extended Warranty: Get an additional one-year warranty on U.S. manufacturer’s repair warranties (three years or less) for your purchases.
  • Reward Transfers: Transfer rewards to various Chase accounts accumulating Chase Ultimate Rewards® points for potentially higher travel value. Consider pairing with the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® to enhance the value of your earnings.

Bottom Line

The combination of simplicity and the potential for redemptions make the Ink Business Cash Card a good choice if you’re looking for cash-back rewards or the ability to convert cash back to transferrable travel rewards. If you frequently shop at office supply stores or pay internet, cable or phone utilities by credit card, adding the Ink Business Cash Card to your wallet could elevate your earnings on these expenses without requiring you to pay an additional annual fee. 

Frequenly Asked Questions (FAQ)

Is the Ink Business Cash® Credit Card worth it?
The Ink Business Cash® Credit Card comes without an annual fee, making it an attractive option for virtually any small enterprise to try out. It’s particularly advantageous for those who incur significant expenses at office supply outlets or on internet, cable, or phone services annually, as it stands as one of the top choices available in such categories.

What is the fee for Ink Business Cash® Credit Card?
The Ink Business Cash® Credit Card has $0 annual fee.

How do you qualify for Ink Business Cash® Credit Card?
Eligibility for the Ink Business Cash® Credit Card requires you to run a small business, which could be as straightforward as a side hustle such as babysitting, tutoring, or coaching. The key criterion is that it generates income.

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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