Points, Miles & Credit Cards

Review: Chase Ink Business Cash® Credit Card

November 13, 2025

6 min read

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Table of Contents

Who is the Ink Business Cash® Card for?

This no-annual-fee business card is a great option for small businesses and freelancers who spend a lot on telecom services and office supplies.

Quick facts about the Chase Ink Business Cash Card?

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Earning rate:

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
Earn 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
Earn 5% total cash back on Lyft rides through 9/30/27.

Welcome offer: bonus_miles_full

Pros and cons

Pros:

High bonus rates on select categories of internet, cable, and phone services
No annual fee business credit card
Pairs well with other Chase cards

Cons:

Foreign transaction fee
Limited travel benefits
Mediocre earning rate outside of bonus categories

Our take

This cash-back card is rewarding on its own, but when you pair it with a travel card, the points you earn can be used for travel.

Ink Business Cash® Credit Card Review

Whether you run an online business that ships products to consumers, or just spend a lot on office supplies and telecommunications, the card_name stands out because of the high earning rate it offers. You can earn 5% cash back on office supply stores and internet, cable, and phone services on the first $25,000 spent each account anniversary.

Even better, these benefits come with no annual fee. The current welcome offer is: bonus_miles_full

Earning rewards with Ink Business Cash® Credit Card

The card_name earns cash-back rewards in the form of Ultimate Rewards® points. Here’s the earning structure:

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.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 5% total cash back on Lyft rides through 9/30/27.

Redeeming points with Ink Business Cash® Credit Card

You could redeem the points you earn in the form of statement credit, cutting your bill each month.

However, if you have an Ink Business Preferred®*, Chase Sapphire Reserve®, or Chase Sapphire Preferred Card®, you can combine the Ultimate Rewards® points you earn from the Chase Ink Cash to one of those three cards.

Then, you’ll be able to transfer the points to airline and hotel partners for free travel. We walk you through the process of moving the Ultimate Rewards® points in this guide.

^{*All information about the Ink Business Preferred® Credit Card has been collected independently by Going.}

^{The Ink Business Preferred® Credit Card is no longer available through Going.}

Welcome offer on the Ink Business Cash® Credit Card

The welcome offer on the card_name is currently: bonus_miles_full.

What can you get with this offer ? If you have one of the card mentioned above, you could redeem these points with Chase transfer partners to get:

One roundtrip premium economy ticket to Singapore (transfer to KrisFlyer).
One roundtrip economy ticket to Paris, Amsterdam, or other cities in Europe (transfer to Flying Blue).
Close to a roundtrip business class ticket to European or Asian cities.

Additional benefits on the Ink Business Cash® Credit Card

Employee business cards at no additional cost: You can set employee spending limits.
Auto rental collision damage waiver: Useful for when renting a car on business trips
Purchase and extended warranty protection: Shop with peace of mind

Complementary cards to Ink Business Cash® Credit Card

The card_name is part of Chase’s suite of business credit cards. Here’s the others:

card_name
card_name
card_name

Ink Business Preferred® Credit Card

If you spend significantly on internet, cable and phone services, but would rather have a business credit card that earns travel points instead of cash-back rewards, the card_name might be worth considering. That said, if you have another Chase card that earns transferable, flexible travel points, like the card_name, you can simply combine the points you’d earn on the Chase Ink Cash and redeem them for travel through the Sapphire card’s network of Ultimate Rewards® transfer partners.

^{All information about the Ink Business Preferred® Credit Card has been collected independently by Going.}

^{The Ink Business Preferred® Credit Card is no longer available through Going.}

Read our review

Ink Business Unlimited® Credit Card

For small business owners who spend less on office supplies or telecom services, the card_name might be a better option. It also comes with no annual fee and offers cash-back rewards at a flat rate of 1.5%. This could also be a complementary card to pair with the Chase card_name.

Read our review

Frequently asked questions about the Chase Ink Business Cash Card

How is the welcome bonus paid?

The welcome bonus comes in the form of Chase Ultimate Rewards® points. You can redeem it for cash back in the form of statement credit, but if you have other Chase travel cards, you can transfer points to redeem with travel partners.

Can freelancers apply for the Chase Ink Business Cash card?

Yes. Freelancers, sole proprietors, and entrepreneurs can apply for the Ink Business Cash card. If you have a side hustle or sell items online, you might qualify for a business credit card.

What counts as office supply stores with the Chase Ink Business Cash card?

Office supply stores is determined by the merchant code on your credit card statement. From past experience, Staples and Office Depot count. Chase outlines its own criteria about [rewards categories](https://www.chase.com/personal/credit-cards/rewards-category-faq).