Ink Cash® Business Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: MasterCard
Cash Back
| Initial Bonus $200 |
Base Earn 1% |
Max Earn 5% |
Earn / Redeem Limit No |
- Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening.
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
- 1% cash back on all other card purchases with no limit to the amount you can earn.
| Intro Rate 0% |
Intro Period 6 months |
Regular Rate 13.24% (V) |
| Intro Rate0% | Intro Period6 months | Regular Rate13.24% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 19.24% (V) |
Cash Advance Fee 5% (min $15) |
- Cash back rewards do not expire.
- 0% introductory APR for 6 months on purchases and balance transfers.
- No annual fee.
- Customized business credit line to meet your business needs.
- Add employee cards and earn cash back on their purchases.
- Free additional cards for employees.
- Every purchase protected with free built-in Zero Liability Protection.
- Control and manage expenses easily with customized alerts and reports.
- Max Late Fee: $39
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 20 days
- Online Response: No
- Foreign Transaction Fee: 3%
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The card information shown on this page was last updated: May 24th, 2013 at 9:37 EDT
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This is my business credit card. I use it mostly for purchases over the internet. What I really like about it was that on one day I ordered multiple items from 3 different countries. I really did not think about that fact much, but the people at Ink Cash Business Card thought that these transactions were suspect. They called me within a few hours asking me if I had been to these countries. It took me a few seconds then I realized that the places I ordered from were outside the US. I told them that these were internet purchases and that they were all legitimate. I was so happy that they were watching out for me like this, I feel a little safer using this card.
March 29, 2013 at 05:17pm
The Ink Cash Business Card is what I currently use for my companies funds. Until something better comes out on the market, there really isn’t any other way to go. I get 2% cash back on the money my delivery trucks spend at gas stations and that adds up to quite a bit. We make a ton of deliveries every single day. I use it to pay our Internet and phone bills as well, since I get even more cash back for that. There is nothing better on this planet than getting paid to spend money, and that’s just the way I like it. Thanks to the Ink Cash Business Card, we’ve been soaring in rewards!
March 1, 2013 at 04:36pm
This is a great card for small business owners. I shopped around extensively before signing up and was surprised to discover how little incentives exist with big name cards. This card is terrific, what you see is what you get and they always deliver. You don't have to mess around with points, you just get great savings. The savings on gas was actually a lifesaver as a start up company that involved incessant travel throughout the state. Customer service is friendly, personable and always willing to help you solve any problem or just answer questions without being tied to a script. I am so pleased I will use Ink services to sign up for any additional personal credit cards I need and I won't hesitate to recommend them to all my fellow small business owners.
February 11, 2013 at 04:18pm
I have been using Chase Ink for a number of years now and I have got to say it is one of the best deals out there. Not only do you get the sign up bonus of a couple hundred bucks, but since I use a cell phone a lot (and the bill can get huge at times) Ink makes that more affordable by rebating 5% of the total cellphone bill. Got to love that! Customer service is also fantastic. If I have any sort of issue it takes only one call to deal with the problem. Very nice people to work with! Do get this card.
December 26, 2012 at 07:08pm
My favorite business credit card is the Chase Ink business card. I have the Ink Cash card, which I chose originally because I prefer cash back to rewards points, although I understand they have a points card too. I love the cash rewards because they never expire. It's exactly the right card for my business. There's never been an annual fee, which I love. What I like most is the consistency: I know exactly what to expect, and that's exactly what I get. My business is very small, so I can only recommend the card based on my experiences, but I would recommend it to any small business owner. As far as Chase is concerned, I'm a customer for life!
September 16, 2012 at 04:58am
I have one of these cards for my business, ScooterCabs. We've had the card for about 9 months now and have had 0 problems. We got a promotional 6 months no interest, which was great to put all the startup costs on. We got it paid off and now use it for all our ongoing expenses. The point system is great; the cash back is extremely effective for helping to pay off the balance each month. Our business uses a lot of gas (we're a designated driver service) so it's great to have an extra percentage there. We also get more back when we use it for phone bills. Our drivers all carry a company cell phone so this is great for us!
August 15, 2012 at 03:49pm
With my newly formed independent publicist company I wanted a credit card I could use in conjunction. I work in the entertainment industry and Ink allows me to spend on office supplies, wireless services, landline communications, and cable services. I also am a fan of 2% back in gas since I'm on the road a lot as well as dining rewards since I'm often taking clients out. I've already earned $150 back after my first purchase and have already earned an extra $100 for already spending $5,000. I'm eating out or entertaining clients almost daily, and can't imagine using another card. Being a brand new business the 0% into APR for the first six months was a key for me since I'm a new business. If you have a business similar to mine I highly recommend Ink.
July 18, 2012 at 04:10pm
The last time I took a look at the Chase Ink Cash Business Credit Card, it only offered 0% on purchases and balance transfers for 6 months, which wasn’t very competitive. Chase has obviously upped the ante with its revamped Ink Cash offer since it now offers 0% for 12 months. Since business credit cards don’t have the same protection against random interest rate increases as personal credit cards, having a year of an assured 0% rate would be helpful for a small business owner looking to use a single credit card for business spending and funding. It also lets people who want to do a balance transfer make purchases with their card without wasting a bunch of dough on interest that comes from not having a grace period (when you revolve a balance you don’t have one!). If I were in the market for small business cards, I still think I’d go with the Ink Bold with Ultimate Rewards and either the No Balance Transfer Fee Slate Card or one of the Citicards offering 0% for 18 months, depending on if I wanted to transfer a balance or just avoid interest on new purchases, instead of the Ink Cash. The Ink Bold just offers better rewards and the others are personal cards with way longer 0% rates than the Ink Cash. Whichever way you turn though, it’s clear that Chase is sure stepping up its game and is a major player in the low interest and business card areas. I bet my man Won Buddy Lee is loving it, isn’t that right?
April 26, 2012 at 06:20pm
I have this card. I like it. Customer Service is great. You never wait. Once you log in to your account, there are extra features to track spending in categories, produce some reports and set up payment schedule reminders and other services. great ready-made paperwork to email to your accountant. The Ultimate Rewards is a great bonus that Chase should advertise more. The Ink qualifies for it and you can earn points and discounts through a great variety of well-known merchants like Target, HP, Walmart, Kohls, JCP, Sears, Best Buy and tons more. The 5% Cash back categories are pretty good though not overly lucrative for big ticket items. The 2% on gas is very useful. Good card to have for those 5% expenses and Ultimate Rewards. Other cards give better rewards for other categories if you don't mind carrying multiple cards.
March 28, 2012 at 04:57pm
There are a few different Chase Ink credit cards out there and the Ink Cash Business Card - $250 Bonus Cash Back should immediately appeal to small business owners who value straightforward, simple rewards. Cash is the most straightforward rewards currency because you can immediately tell how lucrative a card will be since you don’t have to figure out what points or miles are worth and can be redeemed for. Immediate appeal is not going to dictate the card you get though, so lets see exactly what the Ink Cash Business Credit Card has to offer. To start the Ink Cash offers $250 cash back for spending $5,000 in the first three months. Moving forward you get 5% cash back on the first $25,000 spent on on office supplies as well as cable and phone services. You also get 2% cash back on the first $25,000 spent on gas and dining and 1% cash back on everything else. In terms of rates, the Ink Cash Business Card gives you 0% on both purchases and balance transfers for six months. Does it stack up? When it comes to rewards, the Ink Cash Card is competitive but not necessarily the most lucrative. The Ink Bold with Ultimate Rewards offers a $500 initial bonus and 5X points on the first $50,000 your company spends each year on the same types of things the Ink Cash gives you 5% cash back for, on $25,000 spent. It doesn’t matter that it’s a charge card because when it comes to interest rates, you want to be talking about personal credit cards anyway. They do not increase your personal liability but they do prevent issuers from changing your interest rates without cause since they are protected by the CARD Act. There are also a couple Citicards offers 0% for 21 months, so I’d start there when looking for a card to handle funding. Having a business credit card is still important though, and Chase’s Ink Cash Card and Ink Bold with Ultimate Rewards are both good offers, which you choose depends on how much your company spends in the first few months and throughout the year.
January 18, 2012 at 03:23pm