Ink Business Cash℠ Credit Card
- Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn
- ANNUAL FEE $0
- BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater
Ink Business Cash℠ Credit Card's Additional Info
- MAX LATE FEE See Terms
FEE See Terms
- MAX PENALTY APR None
- GRACE PERIOD See Terms
- ONLINE RESPONSE No
RATE 25.74% (V)
FEE Either $15 or 5% of the amount of each transaction, whichever is greater.
TRANSACTION FEE 3% of each transaction in U.S. dollars
- SMART CHIP Yes, chip-and-signature
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
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We are a new business looking for an interest free card and have some questions. I tried the customer service number but there was not an option for new card inquiry. Can you give me a number to call?
- Market’s third biggest cash bonus. Just two of the 1,000+ credit cards in WalletHub’s database offer more up-front cash back than the $300 you’ll get for spending at least $3,000 within three months of opening the Chase Ink Cash Business Credit Card. They are the SimplyCash Plus Business Amex ($400 for spending $10,000 in the first year) and Capital One Spark Cash for Business ($500 for spending $4,500 in three months). And only Spark Cash offers a higher earning rate than Ink Cash: 11% back vs. 10% back. This alone makes Chase Ink Cash an elite cash back credit card.
- Excellent bonus-category earnings. The Ink Cash Business Credit Card is an excellent option for small businesses that spend a lot on office supplies as well as phone, internet and cable TV services. It offers 5% cash back – nearly five times the market average – on the first $25,000 that you spend on such items each year. To a lesser extent, Ink Cash is good for business owners with high gas and restaurant bills, too, offering 2% cash back on the first $25,000 spent in those categories each year. The 1% cash back that you’ll earn on all other expenses isn’t so hot, however. Neither is the fact that earnings are paid out just once per year, on your account anniversary. As a result, you may want to get a card with a higher everyday earning rate, such as Spark Cash for Business or Citi Double Cash, for purchases that don’t qualify for the 5% bonus rate.
- No annual fee. Out of the 57 credit cards currently offering at least 30,000 points/miles or $300 cash back as an initial bonus, only nine have no annual fee, according to WalletHub’s database. And the Chase Ink Cash Business Credit Card is one of them. That makes it $16.78 per year cheaper than the average credit card, market-wide. And that figures to be especially valuable for folks who want to use Ink Cash for only certain types of purchases. No one wants to pay an annual fee for a second credit card, and it can be difficult to earn enough rewards to offset the cost if you aren’t going to use a card every day.
- Take a pass on financing. Chase Ink Cash offers 0% introductory APRs on new purchases and balance transfers for the first 12 months your account is open. But more than 250 other cards offer 0% on both types of transactions for at least as long. More than 200 of them have lower balance transfer fees than Ink’s 3%. And almost all of those have better user protections, by virtue of being branded for personal use. More specifically, issuers have to wait until a cardholder is at least 60 days delinquent on payment before increasing the interest rate on an existing consumer-card balance. But they can do so with a business credit card whenever they want.
- Bad for international spending. Ink Cash applies a 3% foreign-transaction fee to the U.S. dollar amount of any purchase processed abroad, whether you’re traveling or just buying from an internationally based merchant. That should be a nonstarter for worldly small business owners, given how many no-foreign-fee credit cards are now available.
- Excellent credit required. Personal credit is what counts when it comes to business credit card approval, and yours must be pristine if you want to qualify for the Ink Cash Business Credit Card. So if you’re not sure where you stand, make sure to check your credit score for free on WalletHub before you apply.
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Last updated on: April 17th, 2017 at 12:48
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Offer last updated: Apr 17th, 2017 at 12:48 ET