Chase Ink Business Cash card review: earn Ultimate Rewards points with no annual fee

If you’re a small business owner in search of a credit card that can supercharge your rewards and offer a substantial sign-up bonus, the Chase Ink Business Cash card might be the perfect fit for you. In this comprehensive review, we’ll delve into the benefits and drawbacks of this card, helping you make an informed decision about adding it to your wallet.

Sign-up bonus

Chase is currently offering an impressive sign-up bonus for the Ink Business Cash card. You can earn a whopping 75,000 Ultimate Rewards (UR) points after spending just $6,000 within the first three months of card membership. These UR points can be incredibly valuable, estimated to be worth about 2 cents each, making the 75k bonus worth a staggering $1,200!

Earning rate

One of the standout features of this card is its generous rewards structure.

Chase Ink Business Cash credit card at a glance

📎 – 5x points on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services
⛽️ – 2x points at gas stations and restaurants on the first $25,000 annually
🛒 – 1x miles on all other purchases

Note that office supply stores often sell gift cards for major retailers that count for 5x points. If you can maximize the 5x categories, you can earn up to 125,000 points each account year from them alone.

Rating: 4.5 out of 5.

Chase Ink Business Cash

You can earn a signup bonus of 75,000 Ultimate Rewards points when you get the Chase Ink Business Cash card and spend $6,000 within the first six months. This valuable bonus is worth around $750 in cash back or at least $1,500 in travel when you redeem through Chase or transfer points to airline and hotel partners.






75,000 points



Redeeming points

The Chase Ink Business Cash earns Ultimate Rewards points, which are extremely valuable and flexible. You have a few options:

  • If you have a Chase Sapphire Preferred or Reserve card, you can combine points from cards and transfer them 1:1 to airline and hotel partners like United, Hyatt, and more. This can provide huge value.
  • If you have a Sapphire Preferred, get 1.25 cents per point on travel booked through Chase. With a Sapphire Reserve, get 1.5 cents per point.
  • Redeem for cash back at 1 cent per point if you don’t have a Sapphire card.

Based on Maximizing Credit Card Points Values, we value Chase Ultimate Rewards around 2 cents each when transferred to partners with a Sapphire card. Without a Sapphire card, the straight cash redemption value is 1 cent per point.


Besides earning rewards, the Ink Business Cash offers useful benefits:

Primary rental car insurance

This is valuable protection against damage or theft when renting a car for business purposes. It can save you money on rental insurance.

Purchase protection

Get up to $10,000 per claim and $50,000 per account year against theft or damage on new purchases for 120 days.

Earn 5x points on Lyft rides

Through March 2025, cardholders earn 5x points on all Lyft rides, helping you rack up rewards on everyday transportation.

Referral bonuses

You can earn 40,000 bonus points for each approved referral, up to 200,000 points per year. An easy way to get additional points.

Travel and emergency assistance services

Get help booking travel or assistance with emergencies when away from home.

Foreign transaction fee

The card does have a 3% foreign transaction fee, so it’s not the best for international use.

Annual fee

The Chase Ink Business Cash card comes with no annual fee. This makes it easy to keep the card long-term and continue earning rewards without paying a yearly cost.

Qualifying for a business card

You might be wondering if your business qualifies for a business credit card like the Chase Ink Business Cash. The good news is that you don’t need to run a large corporation to be eligible. In fact, many small businesses, freelancers, and sole proprietors can apply for and obtain a business credit card. As long as you have a profit-generating endeavor, whether it’s a side gig, consulting work, or even selling items online, you can potentially qualify.

Importantly, your business doesn’t necessarily have to be profitable at the time of application. You can include projected income or revenue, demonstrating your business’s potential for financial success.


The application process for the Ink Business Cash card is straightforward and can be completed online. To qualify, you’ll want to have a credit score of 700 or higher before applying. One key eligibility rule to know is Chase’s 5/24 policy – if you’ve opened 5 or more credit card accounts across all banks in the past 2 years, you may not be approved. Aside from having good credit, you’ll need to provide personal details like your income and your business info. After submitting the application, you’ll generally receive a decision within 2 weeks or less. If approved, your new Ink Business Cash card will be mailed out within a few business days.

Bottom line

With its generous welcome bonus, solid earning rates, and no annual fee, the Chase Ink Business Cash is a great business card choice. If you can maximize the 5x bonus categories, it’s easy to rack up rewards points each year. Just be sure to mind Chase’s application rules when applying.

You can use our referral link to sign up for the Chase Ink Business Cash credit card.

Non-affiliate disclosure: all information about the this card have been collected independently by On Points With Kids and has not been reviewed by the issuer.

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