The Chase Ink Business Cash is a great card. It comes with no annual fee and 5X bonus categories. It's in our wallet because of that. It's one of the best no annual fee credit cards. In this Chase Ink Business Cash credit card review, we will look at the card and why it is a winner.

On 11/7/22, there was a new update.

Chase Ink Business Cash – Welcome Offer At All-Time High

Chase Ink Business Cash Credit Card Review

The current welcome offer on the Chase Ink Cash is:
  • 90,000 Ultimate Rewards points ($900 cash) after $6,000 in spend within the first 3 months.

The no annual fee card is one of our favorites. The best offer we have ever seen on the card is this one. It is possible to learn more.

Chase Ink Business Cash – Bonus Restrictions

If you have opened five or more revolving accounts in the last 24 months, you won't be approved for the Chase Ink Business Cash card.

Most Chase cards require at least two years before you can get a card again, but not this one. If you've had the card before, you can potentially get this welcome offer for a second business. Check the most recent data points to see how Chase is implementing this.

Chase has shut down accounts of people with too many recent applications and people with too much credit available to them across all banks. People who have less than 5 applications in the last two years will not have this problem.

Chase Ink Business Cash Credit Card Review
You can earn 5X points in certain categories including office supply and internet!

Chase Ink Business Cash – Bonus Categories

The card is a winner in the bonus categories. If it has no annual fee, thats even more true. We accumulate a lot of points with the bonus categories. The 2X categories are great in a pinch.

The Chase Ink Business Cash card comes with the following earning structure:
  • 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at Office Supply Stores and on Internet, phone, and cable services.
  • 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants.
  • 1% cash back on all other purchases.

Learn More

Points or Cashback?

Chase uses the term "cashback", but you are actually earning Ultimate rewards points that can be used for cash. If you have a premium Ultimate rewards card, these points can be used to travel partners. Your points have more value.

If you have any of the following cards, the Ink Cash's points can be used to travel.

You can use the Chase Ultimate rewards portal to book travel if you transfer your Chase Ink Cash points to one of the above cards.

Chase Ink Business Cash Credit Card Review
Primary rental car insurance is one of the best perks of the Chase Ink Cash business credit card.

Chase Ink Business Cash –  Cardmember Perks

If you're looking for high-end perks and elite status, the Chase Ink Business Cash is a good choice, even though it doesn't have an annual fee. It offers some features that are usually reserved for premium travel cards.

Even though it has no fee, the Chase Ink Business Cash has perks.

  • Primary car rental insurance – it must be a business rental
  • 0% APR for the first 12 months
  • Extends the time period of U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less
  • Covers your new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account

Learn More

Chase Ink Business Cash Credit Card Review
Ultimate Rewards points are valuable for travel if you also combine this card with a premium Chase product.

How Much Is the Welcome Offer Worth?

The Chase Ink Cash welcomes you with a simple offer. It is worth a lot on the surface. If you pair it with one of the Ultimate rewards cards, you can get more value.

We think that Ultimate rewards points are worth at least 1.5 cents each when redeemed for travel. If you carry one of the other premium Chase cards, this bonus could be worth more than a thousand dollars.

Chase Ink Business Cash Review – Bottom Line

Since the Chase Ink Plus was discontinued, the Chase Ink Business Cash is the only card that earns 5x Ultimate Reward on a consistent basis.

When you pair the card with a Chase card, it becomes valuable.

The Chase Ink Cash has a decent value even though it is only a cash back card.

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Conclusion

At Miles to Memories, the Chase Ink Business Cash credit card is one of our favorites. The generous 5X and 2X categories, as well as some very useful perks and no annual fee, make this card worth getting and keeping. Signing up for the $900+ welcome offer is a nice bonus, but this card keeps delivering as you keep it, which is important.

To sum it up: we have this card, we carry this card, we use this card and we love this card.

exp-player-logo Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Capital One Venture increased their welcome offer by 75k.

Capital One Venture is increasing their offer. You can earn 75,000 miles after spending $4000 in the first 3 months of your card's existence. Venture will give you 2X miles on all purchases and Capital One travel. Cash back and transfer to travel partners can be done with points.

Learn more about this card and its features!