Chase Ink Business Cash Credit Card

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site does not include all financial companies or all available financial offers. For additional details, see our Advertiser Disclosure.

Chase Ink Business Cash Credit Card
50K points
50K after $3K spend in 3 months
Click here. Scroll down to find more offers

$0 Annual Fee

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

Note: This card is known to be subject to Chase's 5/24 rule.

See also: How to sign up for Chase Ink cards

Overview

The Ink Cash is one of my favorite cards. It has no annual fee, and it earns valuable Chase Ultimate Rewards points with amazing category bonuses. 5X rewards for phone, TV, and internet is enough on its own to make this card worth having. The 5X office supply category, though, is where things get really interesting. Office supply stores such as Staples, Office Depot, and OfficeMax sell gift cards to other merchants, as well as bank gift cards. By purchasing gift cards from these stores, you can earn 5X rewards in far more categories of spend.

Rewards

Even though this card is advertised as a cash back card, it really earns Ultimate Rewards points. $500 in "cash back" is really 50,000 Ultimate Rewards points that can be redeemed for $500 in cash back.

Chase Ultimate Rewards points are super valuable and super flexible. At the most basic level, points can be redeemed for cash or merchandise, but you'll only get one cent per point value that way. A better option is to use points for travel. When points are used to book travel through the Ultimate Rewards portal, points are worth 1.25 cents each with premium cards (Sapphire Preferred or Ink Business Preferred, for example) or 1.5 cents each with the ultra-premium Sapphire Reserve card. Another great option is to transfer points from a premium or ultra-premium card to an airline or hotel program when high value awards are available (see this post for details). If your points are tied to a no-fee "cash back" Ultimate Rewards card, then first move those points to a premium or ultra-premium card before redeeming them in order to get better value.

Perks

  • Primary rental car theft and collision coverage when renting for business purposes.
  • 120 day purchase protection against damage or theft
  • One-year extended warranty on eligible warranties

Application Tips

Chase Application Tips


  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you have opened many cards in the past 12 months (10+ cards) and/or if your total credit available across banks far exceeds your annual income.

  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.

  • 24 Month Rule: You can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open (24 month wait is not required for Ink business cards)

  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card


This card is subject to 5/24, and you must have a business to apply. Unlike many other Chase cards, though, you CAN get the bonus on this card again even if you still have the same card open and/or received the bonus within 24 months.
Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Iberia, Aer Lingus, Marriott Business, and Ritz Carlton.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status.
Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Legally, it's fine. And, anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

If your application is denied: Call Chase’s reconsideration line to ask them to reconsider the decision. If you find that they denied you due to having opened 5 or more cards in the past 24 months, then make sure they are not counting any authorized user cards in your name. You may have to talk to a supervisor to get this done.

Another option is to ask your Chase banker in-branch to submit a special reconsideration form for you. Details about this form can be found here: Chase Special Consideration [Now for business cards only].

How to Meet Spend Requirements

Once you are approved for this card, you have three months to meet the required spend in order to get the signup bonus. With Chase, they’ll often actually give you more time: up to 115 days. If you think you’ll need more than 3 months to get it done, I recommend contacting Chase through secure message to ask for an exact date by which you must complete the spend.

You’re not supposed to use business credit cards for personal purchases, but it is quite common to do so. If you feel comfortable doing so, use the new card for all of your usual spend.

If your usual spend isn’t enough, consider paying a small fee to use your card to pay bills that can’t usually be paid by credit card, or to pay taxes, etc. See this post for many options for increasing credit card spend.

Keep or Cancel?

Keep! Since this card has no annual fee, there's no reason to cancel it. Plus, if you plan to cancel other Chase Ultimate Rewards cards, you can preserve your points by moving them to this card first.

Related Cards (Ultimate Rewards)

Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

Chase Sapphire Preferred Card
55K points
55K: 50K after $4K spend in the first 3 months + 5K after adding an AU and making a purchase

No Annual Fee First Year, Then $95

Chase Ink Business Unlimited
50K points
50K after $3K spend in 3 months

$0 Annual Fee

Chase Ink Business Cash Credit Card
50K points
50K after $3K spend in 3 months

$0 Annual Fee

Recent better offer: None. This is the best we've seen.

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$450 Annual Fee

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

Chase Freedom Unlimited
Up to 17.5K points
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

$0 Annual Fee

Chase Freedom®
Up to 17.5K points
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

$0 Annual Fee

53
Leave a Reply

avatar
48 Comment threads
5 Thread replies
4 Followers
 
Most reacted comment
Hottest comment thread
6 Comment authors
Nick ReyesHans MastGreg The Frequent MilerSteveP Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of
trackback

[…] this card with the no-fee Chase Freedom Unlimited which earns 1.5X everywhere, and the no-fee Business Ink Cash which earns 5X in select categories.  Points from both no-fee cards can be moved to your Sapphire […]

trackback

[…] Staples gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] you have an Ink Cash card or the SimplyCash Plus Business Card, you’ll earn 5X rewards at office supply stores. Many […]

trackback

[…] you pay using a card that earns 5x like the Chase Ink Plus or Chase Ink Cash, you will earn 935 Ultimate Rewards points. Alternatively, an Amex Simply Cash Plus Business card […]

trackback

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a […]

trackback

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a […]

trackback

[…] Staples gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] no-fee Chase Ink Cash Business Credit Card offers 5X Ultimate Rewards points per dollar for office supply purchases, phone, TV, and internet; […]

trackback

[…] gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] Full details about the Ink Cash Business Card can be found here.  The short version is that the card has no annual fee, and it offers great 5X Ultimate Rewards category bonuses (office supply purchases, phone, TV, and internet), up to $25K spend per year.  Remember that you can get better value from those points by freely moving the points to a premium card account such as the Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, or Ink Plus. […]

trackback

[…] Unlimited cards.  The Ink Business family of cards consists of the Ink Business Preferred, and Ink Cash.  Exiled (no longer available) members of this family include Ink Plus, Ink Bold, and Ink […]

trackback

[…] Chase Ink Cash: 30K after $3K spend in 3 months […]

Richard Shih
Guest
Richard Shih

It is 5x cash back, not Ultimate rewards points right?

Nick Reyes
Editor

This card earns Ultimate Rewards points. If you don’t have a “premium” card also, the points can only be used for cash back (at one cent per point). If you have a “premium” Ultimate Rewards card (Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred, Ink Plus), then you can combine your Ultimate Rewards and transfer them to partners (or, if you have the Sapphire Reserve, you can use them for 1.5 cents each towards travel)

trackback

[…] gift card rebates are an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] extend your bonus earning by buying gift cards that are good at other stores.  For example, the Chase Ink Cash card offers 5X at office supply stores (and TV, internet and phone).  You can go to Staples or Office […]

trackback

[…] Digital Gifts, which has been known to code at 5X with a Chase Ink Plus or Ink Cash card, is offering a $100 Lowe’s gift card for $90 via eBay and also 10% off $100 or more in […]

trackback

[…] $420 in Visa gift cards ($400 now and $20 by rebate)+ 2,069.5 Ultimate Rewards at 5X (with an Ink Cash or Ink […]

trackback

[…] gift card rebates are still an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] $25 eBay Gift Code with it (for $200 total). PayPal Digital Gifts has been known to code at 5X on Chase Ink Cash / Chase Ink Plus (no longer available) […]

trackback

[…] easily, this can still be a good deal for a free 5X on $300 in spend if you have a card such as a Chase Ink Cash or Ink Plus that earns 5X at office supply stores. See our Best Category Bonuses page for more […]

trackback

[…] the gift cards with your Chase Ink Cash or Ink Plus card to earn 5 Ultimate Rewards points per […]

P
Guest
P

Does the 5x phone category includes cell phones (ATT, Verizon, T-mobile, etc.)?

Are hulu and netflix 5x categories (TV, internet)?

trackback

[…] gift card rebates are still an easy win as you can earn 5x with a card like the Chase Ink Plus or Ink Cash and get a rebate worth more than the activation fee on the […]

trackback

[…] $100 AirBnB gift card for $91. Purchases from PayPal Digital Gifts have been known to code at 5x on Chase Ink Cash and Ink Plus cards. According to at least one report I’ve read, they may also code as 3X on […]

trackback

[…] by paying with a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus or Chase Ink Cash. To maximize rewards and minimize activation fees as a percentage of cost, you would want to buy […]

trackback

[…] rewards, you’ll want to buy two $200 gift cards and pay with a card that earns 5x like the Chase Ink Cash card. Assuming you are selling the Staples gift card, the final math would look like […]

trackback

[…] rewards, you’ll want to buy two $200 gift cards and pay with a card that earns 5x like the Chase Ink Cash card. Assuming you are selling the Staples gift card, the final math would look like […]

trackback

[…] the Chase Offer or the Amex Offer, use a card that earns 5x / 5% at office supply stores like the Chase Ink Cash (or Ink Plus if you still have it). See our Best Category Bonuses page for other […]

trackback

[…] for a $150 card. Additionally, purchases through the Swych app have been known to earn 5x on the Chase Ink Cash or Ink Plus cards when paying with […]

trackback

[…] Ink Cash Business […]

trackback

[…] that might help make up for not having the Bank of America deal. Also note that paying with your Ink Cash or Ink Plus (no longer available to new applicants) would yield 5x on the full purchase price […]

Steve
Guest
Steve

I’ve had this card for years and after subscribing to your newsletter last year thought I was getting the 5x benefits that I read here time and time again. However, my recent cash back amount didn’t quite add up and I noticed the following on my statement: “Of your $40 cash back monthly maximum. You’ll earn 1% cash back per $1 on every purchase–plus an additional 2% cash back (total of 3%) per $1 on the first $2,000 spent, per month, in combined purchases: gas stations, restaurants, office supply stores and home improvement stores.” I thought I must have another card, but after reading and re-reading your description it appeared that I did, indeed, have this card so I called and asked why I wasn’t getting the benefits that even their online description of the card stated as you state above. “Oh, you are a long term customer and have the original terms [perhaps from 2006] of the card from when you obtained the card,” I was told. “We can update your card to reflect the current cash back terms if you’d like.” “Yes, I would like that,” was the only logical answer. Feel free to let others know in case they, too, have older cash back terms on this card, and thank you for stating the current benefits.

trackback

[…] a link on our Best Offers page or more information on our dedicated Chase Ink Cash Business Credit Card […]

trackback

[…] the ability to get 10% off at Whole Foods in addition to earning an easy 5x with a card like the Ink Cash card (currently featuring an increased signup bonus). In my experiences, Staples gift card […]

trackback

[…] Chase Freedom: 5X in rotating categories each quarter […]

trackback

[…] a nice discount at 10% plus the chance to earn easy Ultimate Rewards points with a card like the Chase Ink Cash. If it is no longer in stock when you click the link, you can try checking back — sometimes […]

trackback

[…] a nice discount at 10% plus the chance to earn easy Ultimate Rewards points with a card like the Chase Ink Cash. If it is no longer in stock when you click the link, you can try checking back — sometimes […]

trackback

[…] week. Wednesday, 5/9/18 only, that list includes Staples.com. Paired with 5x from a card like the Chase Ink Cash or another card that earns one of the Best category bonuses at office supply stores, that could […]

trackback

[…] Chase Ink Business Cash (no annual fee) 1X base; 5X office supplies, 5X cellular/landline/cable, 2X gas and restaurants […]

trackback

[…] is an awesome offer for a card with no annual fee and matches the current opening offer on the Chase Ink Cash. While some people had speculated that the Chase Ink Cash would be discontinued upon the release of […]

trackback

[…] notes: If you pay with a Chase Ink Plus or Ink Cash, the $8.95 fee is more than made up for by the 5X Ultimate Rewards points earned (5 X 308.95 = 1545 […]

trackback

[…] gift card. Best of all, Swych purchases have been known to code at 5x when purchased with the Ink Cash card and paying through PayPal (or the no longer available Ink Plus). If you have the Chase […]

trackback

[…] still show the current 5X and 2X rewards categories (You can find the application by starting on Frequent Miler’s Ink Cash information page and clicking through from […]

trackback

[…] you choose). Still, this is a good deal especially since Swych purchases paid for with a Chase Ink Cash (or Ink Plus) card through PayPal have been known to code at […]

trackback

[…] is a nice deal because you could stack it with 5x on a Chase Ink Cash (or Ink Plus, which is no longer available for new applicants) or use another card that eanrs one […]

trackback

[…] have either of those offers available, this can still be a good deal when stacked with 5x on an Ink Cash card or other cards that earn the Best Category Bonuses at office supply […]

trackback

[…] purchases to make at Office Max / Office Depot today and it would stack nicely with 5x rewards on a Chase Ink Cash card. The terms state that gift cards are excluded, and that might be the case. I have not made Office […]

Hans Mast
Guest
Hans Mast

Please update this post. It does not seem to have 5x anymore. And plus this post makes no mention of the 5x cap.

Nick Reyes
Editor

The Ink Cash card does still have 5x categories. Perhaps you’re looking at a different card — like the Ink Business Unlimited? You may have to scroll around to find the card you want.

Good suggestion on the 5x cap – I’ve added that info to the bonus categories section.