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Earn $900 cash back and get 5% back in key spending categories without paying an annual fee


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Two small business credit cards are currently offering the best welcome offers that I ever recall seeing them publish but while both welcome deals are identical, it’s the all-around package offered by one of these cards that really catches the eye.

The fantastic welcome offer

For a limited time, both the Ink Business Unlimited® credit card and the Ink Business Cash® credit card are now offering a welcome bonus that allows successful new applicants to earn $900 in cash back* after they put $6,000 of eligible spending on their new card within 3 months of account opening.

There aren’t many circumstances under which $900 of cash back wouldn’t be viewed as a great bonus to be given but when you consider that it’s now being offered by two credit cards that don’t charge an annual fee and that both offer great value to cardholders, the deal looks more than just great. It looks fantastic.

*Holders of a Chase Sapphire card or the Chase Ink Business Preferred® credit card can take this cash back in the form of 90,000 Ultimate Rewards points that can be transferred across to a wide variety of other loyalty programs (more details on this later).

I would choose the Ink Business Cash® credit card

I love the Ink Business Unlimited® credit card as much as anyone (I’ll be writing about it in the next few days) but if I was in a situation where both the Ink Unlimited and Ink Cash cards were available to me and I had to choose one, the overall package offered by the Ink Cash credit card would ultimately sway my decision.

The package

Here are a few key things that you should know about the Ink Business Cash® credit card:

  • It doesn’t charge an annual fee
  • There’s no charge to add authorized users
  • It allows cardholders to earn 5% cash back on the first $25,000 spent in combined purchases (1% thereafter) in the following categories each anniversary year:
    • Office supply stores
    • Internet
    • Cable
    • Phone services
  • It allows cardholders to earn 2% cash back on the first $25,000 spent in combined purchases (1% thereafter) in the following categories each anniversary year:
    • Gas station purchases
    • Restaurants
  • Cardholders can earn 1% cash back on all other eligible transactions with no annual cap on earnings.
  • It provides cardholders with primary auto rental cover when renting for business purposes
  • It offers cardholders purchase protection which covers new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • It offers cardholders extended warranty protection
  • Cardholders get access to roadside dispatch

Unlocking the card’s earnings power

The key to unlocking the Ink Business Cash® credit card’s fantastic earnings power is the 5% cash back on offer at office supply stores (on up to $25,000 per year) because this is the earnings category that effectively allows cardholders to earn 5% cash back at an incredible number of other locations too.

As well as all the usual office essentials, office supply stores like Staples and Office Depot sell a wide variety of gift cards which when purchased with an Ink Business Cash® credit card will all earn a cardholder 5% cash back.

Examples of gift cards you can buy:

Travel
  • Delta
  • Southwest
  • Hotels.com
  • Airbnb
Dining/coffee shops
  • California Pizza Kitchen
  • Starbucks
  • Cheesecake Factory
  • Chili’s
  • Olive Garden
  • Domino’s Pizza
  • Yard House
  • Outback Steakhouse
Retailers
  • Amazon
  • Apple
  • Macy’s
  • Nordstrom
  • Crate & Barrel
  • Marshall’s
  • JC Penny
  • Sephora
  • Nike
  • TJ Maxx
Home improvement stores
  • Lowes
  • Home Depot
Streaming services
  • HBO now
  • Netflix
  • Apple Music
  • Spotify
Other
  • Whole Foods
  • Fandango
  • Google

And all of these are just examples. There are plenty of other gift cards where those came from and buying any of them will earn a holder of the Ink Business Cash® credit card 5% cash back on up to $25,000 of spending in a year.

Effectively, the Ink Business Cash® credit card allows a cardholder to enjoy 5% cash back on spending made in a wider variety of categories than any other card on the market…and it doesn’t charge an annual fee!

Getting even more value

There’s a lot to love about the Ink Business Cash® credit card but while it’s a great card in its own right, it gets even better if you also hold a Sapphire consumer card (i.e. a Chase Sapphire Reserve® credit card or Chase Sapphire Preferred® credit card) or the Ink Business Preferred® credit card.

Allow me to explain.

The cash back that the Ink Business Cash® credit card offers is paid out in the form of Ultimate Rewards points (1% cash back = 1 point) but these are not the same Ultimate Rewards points that are earned by the Sapphire cards or the Ink Business Preferred card. These are points that, at best, can be redeemed as statement credits at a value of 1 cent/point.

If, however, you hold a Sapphire card or the Ink Business Preferred card alongside the Ink Business Cash® credit card, the Ultimate Rewards Points you’ll earn will all be of the same type. The better type. The type that can be converted into World of Hyatt points, United Airlines miles, Singapore Airlines miles, and a lot more in a ratio of 1:1.

What this means is that if you pair the Ink Business Cash® credit card with a Sapphire Card or the Ink Business Preferred card, you can view the earnings that it offers in terms of the currencies that you can convert the points that it earns into.

You could now view the card as one that offers 5 Hyatt points/United Airlines miles/Singapore Airlines miles/Aeroplan points/Avios per dollar on the first $25,000 spent in combined purchases at office supply stores, and on internet, cable, and phone services, as well as 2 points/miles/Avios on the first $25,000 spent in combined purchases made at gas stations and at restaurants.

Those are fantastic returns on spending and as I’ll now show, not only can these returns be had for no more than $95 in annual fees per year but they can also be had alongside some great benefits too.

The power pairings

Both the Chase Sapphire Preferred® credit card (review) and the Ink Business Preferred® credit card (review) only charge $95 in annual fees so someone who holds one of those cards alongside the no annual fee Ink Business Cash® credit card would open up access to an incredible array of benefits and earnings rates for under $100 per year.

Ink Business Cash® credit card + Chase Sapphire Preferred® credit card

For $95 per year, this card pairing would offer the following:

  • 5 points/dollar on travel purchased through Chase Ultimate Rewards*
  • 5 points/dollar on Lyft rides (through March 2025) – link
  • 5 points/dollar on the first $25,000 spent in combined purchases at office supply stores, and on internet, cable, and phone services
  • 3 points/dollar on dining worldwide
  • 3 points/dollar on online grocery spending#
  • 3 points/dollar on select streaming services
  • 2 points/dollar on all travel that isn’t booked through Chase Ultimate rewards^
  • 2 points/dollar on the first $25,000 spent in combined purchases made at gas stations and at restaurants.
  • 1 point/dollar for eligible spending in all other categories

*Hotel purchases that qualify for the $50 Anniversary Hotel Credit will not earn 5 points/dollar
^Chase’s “travel” category is very broad so you’ll earn 2 points per dollar on everything from airfare, rental cars, and hotel bookings to car parking, tolls, and ride-sharing services.
#Excludes Target, Walmart, and wholesale clubs

  • $50 in statement credits each card anniversary year for hotel stays purchased through Chase Ultimate Rewards
  • 10% anniversary points bonus (Chase Sapphire Preferred card only)
  • Primary auto rental cover
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Purchase protection
  • Extended warranty protection
  • No foreign transaction fees (Chase Sapphire Preferred card only)
  • Get 1.25 cents/point in value when you spend your points on travel through the Chase Ultimate Rewards portal
  • Transfer points to 11 airline partners and 3 hotel partners in a 1:1 ratio (details)

It’s hard to think of a better value pairing between a consumer card and a small business card.

Read a review of the Chase Sapphire Preferred® credit card here.

Ink Business Cash® credit card + Ink Business Preferred® credit card

For $95 per year, this card pairing would offer the following:

  • 5 points/dollar on the first $25,000 spent in combined purchases at office supply stores, and on internet, cable, and phone services
  • 3 points/dollar on the first $150,000 spent in combined purchases on travel^, shipping purchases, advertising purchases made with social media sites and search engines
  • 2 points/dollar on the first $25,000 spent in combined purchases made at gas stations and at restaurants.
  • 1 point/dollar for eligible spending in all other categories

^Chase’s “travel” category is very broad so you’ll earn 3 points per dollar on everything from airfare, rental cars, and hotel bookings to car parking, tolls, and ride-sharing services.

  • Primary auto rental cover
  • Cell Phone protection
  • No foreign transaction fees (Ink Business Preferred card only)
  • Trip cancellation/interruption insurance
  • Purchase protection
  • Extended warranty protection
  • Roadside dispatch
  • Transfer points to 11 airline partners and 3 hotel partners in a 1:1 ratio (details)
  • Get 1.25 cents/point in value when you spend your points on travel through the Chase Ultimate Rewards portal

Read a review of the Ink Business Preferred® credit card here.

Personally, I think that the Chase Sapphire Preferred/Ink Business Cash combination is the better combination of the two, but I’m not about to argue with anyone who says that the Ink Business Preferred/Ink Business Cash works better for them – each to their own!

Bottom line

The Ink Business Cash® credit card is now offering a welcome bonus that allows successful new applicants to earn $900 in cash back after they put $6,000 of eligible spending on their new card within 3 months of account opening and when you consider this alongside the overall earnings and benefits package that this card offers, it’s hard not to think that this is one of the best credit card deals that we’ve seen this year.

Find out how to apply for the Ink Business Cash credit card

Our Favourite All-Round Travel Card

The Chase Sapphire Preferred® Credit Card is Chase’s incredibly popular entry-level travel rewards card which has recently been refreshed and made better than ever.

It currently comes with a welcome offer of 60,000 points after a successful applicant spends $4,000 on purchases in the first 3 months of card membership and it charges an annual fee of $95 in return for a list of good earning rates and benefits.

Our Favorite Benefits:

  • 5 points/dollar on most travel purchased through Chase Ultimate Rewards
  • 3 points/dollar for spending on dining worldwide
  • 3 points/dollar for spending on select streaming services
  • 2 points/dollar for spending on travel worldwide
  • Redeem points at 1.25 cents each when booking travel through Chase Ultimate Rewards.
  • Annual $50 credit for hotels booked through Chase 
  • Primary auto rental cover

Click for more details on the Chase Sapphire Preferred® Credit Card

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

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