Chase Ink Business Cash® Credit Card: 5% on office supplies for small businesses

The Ink Business Cash® Credit Card is a cash back card for small business owners who want purchasing power combined with increased rewards on business purchases like office supplies, internet, cable, and phone services, gas, and restaurant purchases. The Ink Business Cash carries no annual fee.

The card’s biggest strength is its bonus cash back categories. The Ink Cash earns 5% cash back on the first $25,000 in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services. The card also earns 2% on $25,000 in combined purchases at gas stations and restaurants, plus 1% cash back on all other purchases. Although rewards are marketed as cash back, the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Chase Ultimate Rewards® card and redeemed for greater value.

The Chase Ink Business Cash® credit card also offers a handful of benefits useful to small business owners, including primary auto rental collision damage waiver when renting for business, purchase protection and extended warranty protection.

Chase Ink Business Cash® Credit Card at a glance

Welcome bonus

Card rewards

The Chase Ink Business Cash rewards small business owners who spend heavily on business purchases like office supplies, internet, cable and phone services. Details are below.

5% bonus categories

Office supply stores: 5% cash back
Internet, cable and phone services: 5% cash back

You earn 5% cash back for the first $25,000 in spending across all 5% bonus categories during your card anniversary year. After you spend $25,000 across these categories, you will earn 1% cash back for these purchases until your next account anniversary.

2% bonus categories

Gas stations: 2% cash back
Restaurants: 2% cash back

Similar to the 5% categories, you earn 2% cash back for the first $25,000 in spending across all 2% bonus categories during your card anniversary year. After you spend $25,000 across these categories, you will earn 1% cash back for these purchases until your next account anniversary.

All other purchases: 1% cash back

Chase Ultimate Rewards card synergies

Chase Ultimate Rewards points can always be redeemed for cash back rewards at one cent each. This makes 10,000 points worth $100. But your points can become even more valuable when you hold a premium Ultimate Rewards credit card.

If you hold a Chase Sapphire Preferred® Card, Chase Sapphire Reserve, or Ink Business Preferred card, you have access to a handful of redemption options that can increase the value of your points:

• Point transfers to airline and hotel partners
• Increased value when you redeem for travel through Chase Ultimate Rewards
• Pay Yourself Back options

To use the points you earned from your non-premium Ultimate Rewards credit card for one of these redemptions, simply transfer your Ultimate Rewards points to your premium Ultimate Rewards credit card.

How to apply:

A few notes on applying for Chase cards

• Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened. See our coverage about Chase 5/24 for more.
• How often you can earn a welcome bonus on a Chase card varies by card family.
  • Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
  • Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months.
• You can only hold one Chase Sapphire-branded card at a time.
• If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
• Chase business cards do not report to personal credit reports as long as they are current.

Should you keep the card after the first year?

The Chase Ink Business Cash® Credit Card is offered with no annual fee. As it is a business credit card, it will not report to your personal credit report unless you make a late payment, so it won’t help you build your credit. But if you frequently purchase items at office supply stores, charge internet, cable or phone services to your card or use the card for restaurant purchases, it can be well worth keeping this card around. Here are the benefits that might make this card worth keeping after the first year.

• 5% earnings on office supply store purchases
• 5% earnings on internet, cable and phone services
• 2% earnings at gas stations
• 2% earnings at restaurants
• Extended warranty and purchase protection
• Primary auto rental collision damage waiver insurance when renting for business on a no-annual-fee card

Card benefits

In addition to earning generous rewards across a variety of business categories, the Chase Ink Business Cash card offers a limited suite of benefits for small business owners who travel or purchase durable goods using the card.

Primary auto rental collision damage waiver (when renting for business): Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Frequently asked questions