Credit Cards (US)
Ink Business Cash® Credit Card review: unlimited rewards at no annual fee
Read on this Ink Business Cash® Credit Card review to find out all the benefits of holding a card that offers cash back on essential office supplies.
by Aline Augusto
Ink Business Cash® Credit Card: up to 5% cash back on purchases
This review of the Ink Business Cash® Credit Card will show you how this card might help you out with your daily business finances.
How to apply for an Ink Business Cash® Credit Card
Learn how to apply for an Ink Business Cash® Credit Card and start earning unlimited cash back on office supply purchases, among other perks.
So, if you are looking for unlimited rewards at a $0 annual fee, you just have found an excellent choice.
| Credit Score | Good – Excellent |
| APR | Purchase APR: 17.74% – 23.74% variable; Balance Transfer APR: 17.74% – 23.74% variable; Cash Advance APR: 29.49% variable. |
| Annual Fee | $0 |
| Fees | Foreign transaction fee: 3% on each; Balance transfer fee: $5 or 5% of the amount of each transaction, whichever is greater; Cash Advance: $15 or 5% of the amount of each transaction, whichever is greater; Late Payment: $40; Returned Payment: $40; Return Check: $0 |
| Welcome bonus | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. |
| Rewards | 5% cash back on combined purchases each account anniversary on the first $25,000 at essential office supplies and bills; 2% cash back on combined purchases each account anniversary on the first $25,000 at restaurants and gas stations; 1% cash back on everything else |
But, before applying for one, take a look at this full review to balance the pros and cons!
How does the Ink Business Cash® Credit Card work?
The Ink Business Cash® Credit Card is offered by Chase, a complete bank with physical branches and ATMs.
Whereas other business cards charge an annual fee, this one doesn’t while offering a whole bunch of benefits.
Firstly, you can get one of the most generous welcome bonuses available: $750 cash back when spending $6,000 within three months of account opening.
Plus, it provides you with a 0% introductory APR on purchases for 12 months.
Although APRs are quite high, rates are based on your creditworthiness, which means the higher score you have, the lowest rates you get.
Additionally, this Ink Business card features cash back on all purchases, as follows:
- 5% cash back on combined purchases each account anniversary on the first $25,000 at essential office supplies and bills (such as cable, internet, and phone);
- 2% cash back on combined purchases each account anniversary on the first $25,000 at restaurants and gas stations;
- 1% cash back on everything else.
As can be seen on this Ink Business Cash® Credit Card review, the highest reward rate is destined for office supplies, which means you will increase earnings since the card is designed for businesses.
Even though it may seem an obvious fact, not all business credit cards allow you to earn good reward rates on office supply purchases.
Lastly, this card offers some other essential perks, including:
- Fraud Protection
- Purchase Protection
- Flexible redemption program
- Employee cards at no additional cost
- Travel assistance
On the other hand, it is important to mention that other fees may apply, and you can check out them right above on the chart.
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Ink Business Cash® Credit Card benefits
In sum, as shown on this Ink Business Cash® Credit Card review, this might be one of the most suitable cards for business owners.
But the advantages and disadvantages are listed below so you can decide if it would suit your business needs in particular.
Pros
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening;
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year;
- 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 purchases;
- Round-the-clock monitoring for unusual credit card purchases;
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information;
- No Annual Fee;
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®;
- 0% introductory APR for 12 months on purchases;
- Member FDIC.
Cons
- APRs might be quite high after the introductory period;
- It is not the best card for traveling.
How good does your credit score need to be?
According to similar cards, this one probably requires a good credit score when applying for it, although this information is not disclosed.
How to apply for an Ink Business Cash® Credit Card?
If you want to earn rewards on office supply purchases, an Ink Business Cash® Credit Card might be worth considering. Then, learn how to apply!
How to apply for an Ink Business Cash® Credit Card
Learn how to apply for an Ink Business Cash® Credit Card and start earning unlimited cash back on office supply purchases, among other perks.
Aline Augusto
Aline Barbosa
Senior Editor
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