Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card has an excellent welcome offer, one of the highest out there. It also offers 5% cash back on categories like office supply stores and on internet, phone, and cable–categories where any business is likely to spend money. Employee cards are available at no additional cost. If you’re still setting up or investing in your business, you can make good use of the 0% introductory APR offer on purchases for the first 12 months, then 18.49% - 24.49% variable APR. There’s no annual fee, and you get some nice travel benefits as well. We dive into the details and your approval odds in this Ink Business Cash review.

Our Rating

4.8/5.0

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400

Annual Fee

$0

0% Intro on Purchases

12 months

Reward Rate

1%-5%

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Editorial Review

The Ink Business Cash® Credit Card stands out as a sterling choice for small business owners looking to maximize cash back on everyday expenses without incurring an annual fee. This card offers an impressive cash-back program with high reward rates in common business categories such as office supplies and telecommunications services.

Additionally, the card features an attractive introductory 0% APR on purchases, making it a smart option for those planning significant upfront investments. With its flexible cash-back rewards and cost-saving perks, the Ink Business Cash® Credit Card is tailored to bolster the financial toolkit of any small business.

Four Awesome Features of the Ink Business Cash® Credit Card

  1. High Cash Back Rates in Select Categories: This card provides 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. Additionally, it offers 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year and 1% cash back on all other purchases.
  2. Introductory APR Offer: The card includes a 0% introductory APR on purchases for the first 12 months from account opening, then 18.49% – 24.49% variable APR. This feature is especially useful for businesses planning to make large purchases and wanting to pay them off over time without accruing interest.
  3. $0 Annual Fee: It does not charge an annual fee, which can help reduce business expenses while benefiting from a robust rewards program.
  4. Redemption Flexibility: Cash back earned can be redeemed in various ways, including direct deposit into most U.S. checking and savings accounts, statement credits against previous purchases, gift cards, and travel expenses. This flexibility makes it easier for businesses to utilize rewards in a way that best suits their needs.

Frequently Asked Questions (FAQ)

What are the eligibility requirements for the Ink Business Cash® Credit Card?

To qualify for the Ink Business Cash® Credit Card, applicants typically need good to excellent credit, which generally means a credit score of 690 or higher. Additionally, the applicant must own or operate a business ranging from a sole proprietorship to a larger enterprise. The application process will require details about the business, such as its type, revenue, and years in operation.

Can the cash back earned on the Ink Business Cash® Credit Card expire?

No, the cash back earned on the Ink Business Cash® Credit Card does not expire as long as the credit card account remains open and in good standing. This allows cardholders to accumulate rewards over time and use them when it’s most beneficial for their business.

Is there a limit to the cashback I can earn on the Ink Business Cash® Credit Card?

The card has a cap on higher cashback rates; cardholders earn 5% and 2% cash back on up to $25,000 in combined purchases in bonus categories (office supply stores, internet, cable, phone services, gas stations, and restaurants) each account anniversary year. After reaching this cap, purchases in these categories earn cash back at the standard rate of 1%, which is also the rate for all other purchases outside of these categories, with no maximum limit.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Trip Delay Reimbursement, Roadside Assistance, Trip Cancellation Insurance

Rewards

1% cash back
On all other eligible purchases
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Select Categories
Earn 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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars
Regular APR18.49% - 24.49% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 18.49% - 24.49% (V) APR after that.

What Credit Score Is Required to Get the Ink Business Cash® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 753

Average Approved Credit Score: 782

App StatusDateCredit ScoreBureauCredit Limit
Approved12/13/2023
781
Experian
$3,000
Approved12/13/2023
805
TransUnion
$3,000
Approved12/13/2023
811
Equifax
$3,000
Approved01/03/2023
753
Experian
---
Approved07/04/2023
755
Experian
$3,500
Approved07/04/2023
791
Equifax
$3,500
Approved07/04/2023
815
TransUnion
$3,500
Approved01/06/2023
757
TransUnion
$5,000
Approved01/06/2023
763
Equifax
$5,000
Approved01/06/2023
764
Experian
$5,000
Approved01/12/2024
810
TransUnion
$4,000
Denied08/10/2023
763
Experian
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Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points
Cons
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express

Rating

4.5

Rewards Range

1x to 5x Points

Annual Fee

$695

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