The Chase Ink Business Cash® credit card is a practical tool for small business owners who want to earn cash back on everyday operational expenses. With a well-structured reward system, it helps companies get more value from essential business purchases.
In addition to earning rewards, the card offers a compelling welcome bonus and useful features to streamline expense tracking and employee spending. And with no annual fee, it becomes an affordable option for businesses seeking financial efficiency.
Read on to discover how this card works, its key benefits, and how to apply with confidence.
Meet the Issuer
Chase is one of the most trusted banking institutions in the United States, known for offering reliable and innovative financial products. Its credit card lineup includes both consumer and business options tailored to a wide range of customer needs.
For business owners, Chase provides dedicated credit cards that combine rewards, spending insights, and account security. The Ink Business Cash® card is one of their top products, especially suited for businesses looking to get returns on their day-to-day costs.
Main Benefits of the Card
Welcome Bonus: Earn up to $750 in cashback. $350 after spending $3,000 in the first three months, and an additional $400 after spending $6,000 within the first six months.
5% Cashback: Receive 5% cashback on the first $25,000 spent annually at office supply stores and on internet, phone, and cable services.
2% Cashback: Earn 2% cashback on combined purchases up to $25,000 annually at gas stations and restaurants.
1% Cashback: Get unlimited 1% cashback on all other purchases made with the card.
Free Employee Cards: Issue employee cards at no extra charge and set custom spending limits.
Business Expense Tools: Easily monitor and manage business spending through Chase’s online dashboard.
Built-in Purchase Protections: Includes extended warranty and coverage for theft or damage on eligible purchases.
No Annual Fee: Access all card benefits without any yearly maintenance cost.
Chase Ink Business Cash: Fees and Commissions
This card charges no annual fee, offering businesses an opportunity to earn rewards without adding to their overhead.
It features a 0% introductory APR on purchases for the first 12 billing cycles. Once the promotional period ends, a variable APR ranging from 17.49% to 25.49% applies, based on your credit rating.
A foreign transaction fee of 3% is applied to purchases made outside the U.S.
Rates and conditions may change at any time. Always verify current terms on Chase’s official website before applying.
Card Limit
The credit limit is based on the business owner’s financial credentials, including credit history, revenue, and business profile. Stronger financials can result in a higher starting credit line.
As your business grows and payment behavior remains consistent, you may request an increase in the limit. Chase also allows you to set individual spending limits for employee cards, giving you better control over company expenses.
Positive points
- Generous cashback categories:Earn higher returns on business essentials like office supplies and communication services.
- Strong signup offer:Up to $750 in bonus cashback within the first six months.
- No annual cost:Enjoy all card features without paying a yearly fee.
Negative points
- Spending caps:The highest cashback rates are limited to the first $25,000 in eligible spending per category per year.
- International fees:3% surcharge applies to foreign purchases.
- Credit qualifications:Approval may be difficult for businesses with a weak or limited credit history.
How to Apply for Chase Ink Business Cash Credit Card
- Visit the official Chase website.
- Go to the section for business credit cards.
- Choose the Ink Business Cash® card.
- Click “Apply Now” to begin.
- Complete the application with business and personal details.
- Enter your financial information accurately.
- Review everything and submit.
- Await approval and further instructions from Chase.
How to Contact Chase Ink Business Cash
- Phone: 1-800-242-7338
- Customer Support: Available 24/7
- Online Chat: Accessible via the Chase app or website
- Email: Through the secure online portal
The Ink Business Cash® card by Chase is an excellent tool for entrepreneurs and small business owners seeking to improve financial control while earning cashback. Whether you’re just starting out or scaling up, this card offers flexibility, value, and rewards that align with your company’s daily needs.