Chase Ink Business Cash is the perfect credit card for small business owners who want to earn high cashback on everyday business expenses. With no annual fee and generous rewards on office-related purchases, it’s designed to help you reinvest in your company.
This card offers up to 5% cashback on key categories like office supplies, internet, and phone services—plus a strong welcome bonus and 0% intro APR. It’s a smart financial tool to manage and grow your business efficiently.
Keep reading to learn why the Chase Ink Business Cash is one of the best business credit cards in the market for value, flexibility, and long-term savings.
Meet the Issuer
JPMorgan Chase is a trusted financial partner for millions of individuals and businesses. Through its Ink Business card line, the bank offers powerful tools tailored to the needs of entrepreneurs and growing companies.
Chase is known for its user-friendly online banking, strong fraud protection, and rewards programs that deliver real value. Business clients benefit from dedicated resources and tools to track expenses and optimize cash flow.
The Ink Business Cash card is a reflection of Chase’s commitment to supporting businesses with reliable, secure, and flexible financial products.
Main Benefits of the Card
5% cashback: Earn 5% on office supply store purchases and internet, cable, and phone services (up to $25,000 per year).
2% cashback: Get 2% back at gas stations and restaurants (up to $25,000 annually).
1% cashback: Unlimited 1% cashback on all other purchases without restrictions.
No annual fee: Keep more cash in your business with no yearly card cost.
Employee cards at no extra cost: Issue cards to employees and set individual spending limits.
Chase Ink Business Cash: Fees and Commissions
This card has no annual fee, making it cost-effective for businesses that want to earn rewards while controlling expenses. Balance transfers incur a 5% fee or $5 minimum.
Foreign transaction fees are 3%, so it’s best used for domestic business purchases.
Fees and rates may change at any time. Visit the official Chase website to confirm current terms before applying.
Card limit
The credit limit for the Chase Ink Business Cash card is determined by your business income, personal credit profile, and financial history. Limits tend to be higher than personal cards, starting at $3,000 and going upwards.
Responsible use and strong financials can lead to limit increases and better long-term business credit opportunities.
Positive points
- High Cashback Rates:Earn 5% on office supplies and internet, cable, and phone services, plus 2% on gas and dining—helping businesses maximize rewards on essential expenses.
- No Annual Fee:Enjoy valuable benefits without any yearly cost, making it a budget-friendly option for small business owners focused on savings.
- Strong Intro Offer:Get a generous $750 cash bonus after reaching the minimum spend, providing immediate value for new cardholders.
Negative points
- Foreign Fees Apply:This card charges additional fees on international purchases, which may reduce its value for global business use.
- Spending Caps:Bonus cashback categories are limited to $25,000 in combined annual purchases—after that, rewards drop to 1%.
- No Travel Perks:Unlike some premium business cards, it doesn’t include travel benefits such as lounge access or trip protection.
How to Apply for Your Chase Ink Business Cash
- Visit the official Chase website
- Click on “Business Credit Cards” and select “Ink Business Cash”
- Click “Apply Now”
- Enter your business name, type, and EIN (or SSN if sole proprietor)
- Provide your business revenue and years in operation
- Fill in your personal information as the business owner
- Submit your application for review
- Receive an approval decision online or by email
- Receive the card by mail in 7–10 business days
- Activate and start earning cashback on business expenses
How to Contact – Chase Ink Business Cash
For questions or assistance, Chase Business Support is available:
- Customer Service Phone: 1-800-242-7338
- Email: Use secure messaging via Chase Business Online
- Live Chat: Accessible through the Chase mobile app or website
The Chase Ink Business Cash® Card is a top-tier choice for small businesses that want to earn cashback, avoid annual fees, and simplify expense tracking. With powerful rewards on essential categories and tools to manage your business efficiently, this card delivers long-term value. Apply now and start turning your business purchases into real savings.
