Chase Ink Business Cash Card introduction

The Chase Ink Business Cash Credit Card gives a healthy and balanced 5% cash back on workplace materials and also choose energies, in addition to 2% cash back at dining establishments and also gasoline station. Given these groups, the Chase Ink Business Cash is a strong no-annual-fee small-business credit card. You can about increase the worth of your benefits if you move them to a card that makes Chase Ultimate Rewards factors. Card Rating*: ⭐⭐⭐⭐

*Card Rating is based upon the point of view of TPG’s editors and also is not affected by the card provider.

If your business does not have considerable traveling prices, you might not see the worth in having a traveling benefits card. But the Chase Ink Business Cash Card supplies charitable returns on a wide range of workplace costs like materials, web, wire and also phone company while billing no yearly charge and also offering numerous redemption choices .

The Chase Ink Business Cash Card is a cash-back business card, which indicates compensatory your benefits is simple. However, a lot more profitable redemption choices are offered if you couple it with a card that makes Ultimate Rewards factors. Let’s take a closer check out the Chase Ink Business Cash Credit Card so you can choose if it’s a great suitable for your business.

Ink Business Cash welcome deal

The Chase Ink Business Cash Card has its deal of $900 perk cash back after you invest $6,000 on acquisitions in the very first 3 months after account opening.

Plus, you can transform the cash-back perk right into Ultimate Rewards factors if you move your cash-back benefits to a card that makes Ultimate Rewards factors, such as the Ink Business Preferred Credit Card, Chase Sapphire Reserve or Chase Sapphire Preferred Card. According to TPG’s evaluations, 90,000 Ultimate Rewards factors deserve $1,800.

Related analysis: Why do Chase and also TPG listing various worths for Ultimate Rewards factors?

Earning benefits on the Ink Business Cash

With the Chase Ink Business Cash Card, you’ll gain 5% cash back on the very first $25,000 you make in mixed acquisitions each account wedding anniversary year at workplace supply shops and also on web, wire and also phone company. Plus, you’ll gain 2% cash back on the very first $25,000 you make in mixed acquisitions at gasoline station and also dining establishments each account wedding anniversary year. You’ll additionally gain 1% cash back on all various other acquisitions, consisting of on costs over $25,000 each account wedding anniversary year in the 5% and also 2% groups.

5% cash back goes over for a no-annual-fee card, among the most effective cash back credit card earning prices on the marketplace, and also it’s also much better if you have a card that makes Chase Ultimate Rewards factors. Then you can move your cash back to Ultimate Rewards factors and also properly gain 5 Ultimate Rewards factors per buck invested at workplace supply shops and also on web, wire and also phone company. Since TPG worths Ultimate Rewards factors at 2 cents each, that’s a 10% return on costs in these groups.

Related analysis: Chase Ink Business cards face-off: Cash vs. Unlimited vs. Preferred

Redeeming benefits on the Ink Business Cash

Just since the Chase Ink Business Cash Card is a cash-back card, that does not imply you do not have choices for retrieving your benefits. You can retrieve your cash-back benefits for present cards, traveling and also cash at stated value. If you retrieve for cash, you can obtain your cash as an account declaration credit or via a digital down payment right into a qualified U.S. monitoring or interest-bearing accounts.

Other choices will certainly give much less than stated value for your cash-back benefits, such as distinct experiences, Amazon Shop with Points and also Apple Ultimate Rewards Store. We usually do not suggest compensatory your benefits for these lower-value choices.

If you have a card like the Ink Business Preferred Credit Card, Chase Sapphire Reserve or Chase Sapphire Preferred Card that makes Chase Ultimate Rewards factors, you open an extra redemption alternative: You can transform the cash-back benefits on your Ink Business Cash Card to Chase Ultimate Rewards factors.

The various other card that makes Chase Ultimate Rewards factors need to be signed up to the proprietor of the business, you or a participant of your house to certify. Once you relocate factors over to an Ultimate Rewards-making account, you can move them to airline company and also resort traveling companions or publication traveling straight via the Chase website at a far better price.

Related analysis: How to optimize your Chase Ultimate Rewards factors

Ink Business Cash advantages

The Chase Ink Business Cash Card is a no-annual-fee card that supplies small advantages and also advantages.

One of the card’s ideal advantages for numerous small-business proprietors is that you can ask for cards for workers at no added price. You’ll gain benefits for their costs and also you can also establish specific staff member costs limitations for higher control.

When you buy qualified products with the Ink Business Cash Card, these acquisitions will certainly be covered by acquisition security and also expanded service warranty security. Purchase security covers your brand-new acquisitions for 120 days versus damages or burglary at approximately $10,000 per case and also $50,000 per account, while expanded service warranty security expands the duration of a U.S. maker’s service warranty by an extra year on qualified service warranties of 3 years or much less. These securities can conserve your business some major cash.

When you rent out a cars and truck, you can be covered by the Ink Business Cash Card’s car service crash damages waiver when you decrease the rental business’s crash insurance coverage and also bill the whole rental price to your card. Coverage is key when renting out for business objectives and also gives compensation approximately the real cash worth of the car for burglary and also crash damages for the majority of services in the U.S. and also abroad.

Whether you go to house or abroad, you can call the Benefits Administrator for lawful and also clinical recommendations in addition to various other traveling and also emergency situation aid. Agents can give support and also info when required, yet you’ll be accountable for the price of any type of solutions you acquire.

Finally, the Chase Ink Business Cash Card includes zero-liability security, which indicates you will not be delegated unapproved fees made with your card or account info. Chase will certainly aid protect your account making use of real-time scams tracking.

Related analysis: Reasons to get the Chase Ink Business Cash Card

Which cards take on the Ink Business Cash?

The Chase Ink Business Cash Card is an outstanding option if your key costs straightens well with the workplace supply and also energies perk groups. But below are a few other choices:

• If you have a tendency to invest a lot more on traveling, delivery and also advertising and marketing: The Ink Business Preferred Credit Card functions well with the Ink Cash given that having the Ink Preferred enables the Ink Cash to properly gain Ultimate Rewards factors. For a $95 yearly charge, the Ink Preferred makes gain 3 factors per buck on approximately $150,000 in costs each account wedding anniversary year on traveling, delivering acquisitions, web, wire and also phone company and also advertising and marketing acquisitions with social networks websites and also internet search engine. For even more info, review our complete review of the Ink Business Preferred.

For added choices, take a look at our complete listing of the most effective business charge card.

Read a lot more: How to obtain a business credit card

Is the Ink Business Cash worth it?

The Ink Business Cash is ideal matched for small-business proprietors that invest much less than $25,000 annually in mixed acquisitions. With strong, easy advantages and also no yearly charge, it’s a wise choice for company owner that desire a cash-back increase for their acquisitions, particularly at workplace supply shops and also on web, wire and also phone company.

Bottom line

The mix of simpleness and also the possibility for redemptions make the Ink Business Cash Card a great option if you’re seeking cash-back benefits or the capacity to transform cash back to transferrable traveling benefits. If you regularly patronize workplace supply shops or pay web, wire or phone energies by credit card, including the Ink Business Cash Card to your budget can raise your profits on these costs without needing you to pay an extra yearly charge.

Apply below for the Chase Ink Business Cash Credit Card with a $900 sign-up perk.

Additional coverage by Ryan Wilcox and also Mike Cetera.