Ink Business Cash® Credit Card
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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% on Purchases
12 months
Reward Rate
1%-5%
0% on Balance Transfers
N/A
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
- 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.
- 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.
- $0 Annual Fee: It does not charge an annual fee, which can help reduce business expenses while benefiting from a robust rewards program.
- 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.
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.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Trip Delay Reimbursement, Roadside Assistance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 18.49% - 24.49% (V) APR |
| Purchases | 0% 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/13/2023 | Experian | ||
| Approved | 12/13/2023 | TransUnion | ||
| Approved | 12/13/2023 | Equifax | ||
| Approved | 01/03/2023 | Experian | ||
| Approved | 07/04/2023 | Experian | ||
| Approved | 07/04/2023 | Equifax | ||
| Approved | 07/04/2023 | TransUnion | ||
| Approved | 01/06/2023 | TransUnion | ||
| Approved | 01/06/2023 | Equifax | ||
| Approved | 01/06/2023 | Experian | ||
| Approved | 01/12/2024 | TransUnion | ||
| Denied | 08/10/2023 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 5% cash back
- Earns Chase Ultimate Rewards points
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
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
Rating
4.5
Rewards Range
1x to 5x Points
Annual Fee
$695