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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Chase Ink Business Cash card review: Great for office supplies and technology services
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
September 13, 2025 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A business card offers elevated rewards at office supply stores, select utilities, gas stations and restaurants, with no annual fee.
Rewards can be converted to a flexible travel program if paired with a premium card, unlocking higher redemption value.
The card provides purchase protections, extended warranty, and primary rental car coverage for business rentals.
Employee cards can be added at no extra cost, with spending controls for each user.
What to consider
Bonus rewards are capped at $25,000 in combined purchases per year for certain categories, after which a lower rate applies.
To maximize travel value, rewards must be transferred to a compatible premium card registered to the same owner or household member.
Approval is subject to a rule limiting new card approvals if five or more personal cards have been opened in the past 24 months.
What you'll miss from the article
A detailed comparison of competing business cards and strategies to maximize reward redemptions for travel or cash back.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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.
2%
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year.
1%
Earn 1% cash back on all other purchases.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.74% - 24.74% Variable
Recommended credit
670-850
Good, Excellent
Ink Business Cash Credit Card overview
Chase’s (see rates and fees) is a great choice for small businesses looking to earn bonus rewards on office supplies and select utilities and at gas stations and restaurants — for no annual fee. And you can more than double the value of your rewards if you transfer them to a card that earns Chase Ultimate Rewards points. Card Rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The is one of the best no-annual-fee business cards on the market.
It offers high earning rates on everyday expenses like office supplies, and cable, internet and phone services — plus strong returns at gas stations and restaurants. And if you also hold a premium Chase card, you can unlock even greater value by transferring rewards to the Ultimate Rewards ecosystem.
Let’s take a closer look at the Ink Business Cash Credit Card so you can decide if it’s a good fit for your business.
Ink Business Cash pros and cons
Pros
Cons
High earning rate at office supply stores and on cable, internet and phone services
No annual fee
Limited benefits compared to a more premium Ink Business card
Requires another Chase card to maximize value
Ink Business Cash welcome offer
The is currently offering a normal welcome bonus. New applicants can earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
If you also have one of these cards, your cashback will become 75,000 Ultimate Rewards points worth $1,538, according to TPG's September 2025 valuations.
The Ink Business Cash is subject to Chase’s 5/24 rule, meaning you’ll likely be denied if you’ve opened five or more personal credit cards across all banks in the past 24 months.
The is a no-annual-fee card that offers modest benefits and perks.
One of the card’s best perks for many small-business owners is that you can request cards for employees at no additional cost. You’ll earn rewards for their spending, and you can even set individual employee spending limits for greater control.
When you purchase eligible items with the Ink Business Cash, these purchases will be covered by extended warranty and purchase protections. These protections can save your business some serious cash.
Extended warranty protection extends the period of a U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less. And purchase protection covers your new purchases for 120 days against damage or theft at up to $10,000 per claim and $50,000 per account.
When you rent a car, you can be covered by the Ink Business Cash's auto rental collision damage waiver when you 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 rentals in the U.S. and abroad.
Whether you’re at home or abroad, you can call the Benefit Administrator for legal and medical referrals as well as other travel and emergency assistance. Agents can provide guidance and information when needed, but you’ll be responsible for the cost of any services you obtain.
Finally, the Ink Business Cash features zero liability protection, which means you won’t be held responsible for unauthorized charges made with your card or account information. Chase will help safeguard your account using real-time fraud monitoring.
Just because the Chase is a cash-back card doesn’t mean you don’t have options for redeeming your rewards. If you redeem for cash, you can receive your money as an account statement credit or through an electronic deposit into an eligible U.S. checking or savings account.
Other options, such as gift cards, travel, unique experiences, Amazon Shop with Points and Apple Ultimate Rewards Store, provide less than face value for your cash-back rewards. So, we generally don’t recommend redeeming your rewards for these lower-value options.
If you have a card such as the Ink Business Preferred or a Sapphire card that earns Chase Ultimate Rewards points, you unlock an additional redemption option: You can convert the cash-back rewards on your to Chase Ultimate Rewards points.
The other card that earns Chase Ultimate Rewards points must be registered to you, the company’s owner or a household member to qualify. Once you move points to an Ultimate Rewards-earning account, you can transfer them to airline and hotel travel partners or book travel directly through Chase Travel℠ at a better rate.
TPG contributing editor Matt Moffitt converts the cash back he earns on his Ink Business Cash to Ultimate Rewards points as he holds the Chase Sapphire Reserve. Then he transfers those points to World of Hyatt for high-value hotel redemptions.
The is an excellent choice if your primary spending aligns well with the office supply and utilities bonus categories. But here are some other options:
If you tend to spend more on travel, shipping and advertising: The works well with the Ink Business Cash since having the Ink Preferred allows the Ink Business Cash to effectively earn Ultimate Rewards points. For a $95 annual fee, the Ink Business Preferred earns 3 points per dollar on travel, shipping purchases, and advertising purchases with social media sites and search engines (on up to $150,000 in spending each account anniversary year). To learn more, read our full review of the Ink Business Preferred.
If you're looking for flat-rate cash back for your business spending: The Capital One Spark Cash Plus earns an unlimited 2% cash back on every purchase without having to remember bonus categories. It's an easy way to rack up cash-back rewards if your business spends outside of the typical bonus categories offered by business cash-back cards. To learn more, read our full review of the Capital One Spark Cash Plus.
The Ink Business Cash is ideal if your business spends under $25,000 each year in its top bonus categories (office supply stores, cable, internet and phone services; or gas stations and restaurants). Once you hit that cap, bonus earnings drop to 1%, so this card works best for businesses with moderate expenses in these categories.
Bottom line
The combination of simplicity and the potential for redemptions makes the Ink Business Cash a good choice if you’re looking for cash-back rewards or the ability to convert cash back to transferable travel rewards.
If you frequently shop at office supply stores or pay cable, internet and phone services with a credit card, adding the to your wallet could elevate your earnings on these expenses without requiring you to pay an annual fee.
