Chase Ink Cash Business 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.

Welcome Bonus

Card / NotesBonus / Annual Fee
Chase Ink Cash® Business Credit Card
----> Click Here

Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants

See also: How to sign up for Chase Ink cards
50K after $3K spend in 3 months

No annual fee

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

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!

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 Ultimate Rewards points for office supply purchases, phone, TV, and internet
    (5X rewards are for up to $25,000 spend per cardmember year)
  • 2X Ultimate Rewards points for gas and restaurants

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.

Ultimate Rewards points can be redeemed for cash or merchandise for 1 cent per point value.  Or, points can be moved to a premium card such as the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve for even more value:

  • Purchase Travel through the Chase Ultimate Rewards travel site after moving points to the Ink Business Preferred or Sapphire Preferred card (1.25 cents per point value)
  • Purchase Travel after moving points to the Chase Sapphire Reserve card (1.5 cents per point value)
  • Transfer to a variety of airline and hotel programs (per point value varies from very low to extremely high when points are used this way)

Related Cards

All of the following cards earn Ultimate Rewards points.  Those marked with an asterisk are premium cards that allow points to be transferred to select airline and hotel loyalty programs. The others are advertised as cash back cards, but they really earn Ultimate Rewards points.  You can move those points to loyalty programs indirectly by moving them first to a premium card and then to an airline or hotel program:

* Premium card. Points can be transferred to select airline and hotel loyalty programs.

Related Posts

Many more great credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.

Questions?

Please comment below.

Leave a Reply

40 Comments on "Chase Ink Cash Business Credit Card"

avatar
  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

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

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

[…] 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

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 […]