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Chase Ink Business Cash® Card review (2022) – A fantastic no annual fee card

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Generally speaking, if you want a credit card that offers impressive earnings power you have to be prepared to pay for it, and, in a lot of cases, paying for it means taking on annual fees of at least $495/year. Not with the Ink Business Cash® Credit Card from Chase.

The Ink Business Cash® Credit Card offers cardholders the potential to unlock significant savings courtesy of the earning rates that the card offers, and when paired with a Chase Sapphire personal card or with the Chase Ink Business Preferred® Card (review) it becomes one of the best earning credit cards on the market today.

The Chase Ink Business Cash® Credit Card

In Brief

The Ink Business Cash® Credit Card is a great card that offers cash back on spending in select categories and while that cash back can be very generous all on its own, it can also be converted to valuable Chase Ultimate Rewards points (1% cashback = 1 point) if the cardholder also holds the Chase Sapphire Preferred® Credit Card ($95/year), the Chase Sapphire Reserve® Card ($550/year) or the Chase Ink Business Preferred® Card (review) ($95/year).

In Detail

Here’s what you need to know about the Ink Business Cash® Credit Card

Annual Fee:

  • $0 (zero)

Cost of Additional/Employee Cards:

  • $0 (zero)

Current Welcome Bonus:

  • $750 cash back after you spend $7,500 on purchases in the first 3 months – this converts to 75,000 Ultimate Rewards points if you also hold a Chase Sapphire card or the Chase Ink Preferred Card (find out more)


Earn 5% cash back on the first $25,000 spent in combined purchases in the following categories each anniversary year (converts to 5 points/dollar if you also hold a Chase Sapphire card or the Chase Ink Preferred Card):

  • Office supply stores
  • Internet
  • Cable
  • Phone services

Earn 2% cash back on the first $25,000 spent in combined purchases in the following categories each anniversary year (converts to 2 points/dollar if you also hold a Chase Sapphire card or the Chase Ink Preferred Card):

  • Gas station purchases
  • Restaurants

Earn 1% cash back (1 point/dollar) on all other transactions with no annual cap on earnings.

Other Key Benefits:

  • Primary auto rental cover when renting for business purposes
  • Purchase protection – covers new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Extended warranty protection
  • Roadside dispatch

Why This Is A Great Card

The Welcome Offer

The $750 cash back after you spend $7,500 on purchases in the first 3 months is essentially free money (albeit free money that comes with a high spending requirement). The Ink Business Cash® Card doesn’t charge an annual fee so as long as you don’t carry a balance on this card (and you shouldn’t), the money the welcome bonus is offering is genuinely “free”.

In addition, the $750 cash back can be taken as 75,000 Ultimate Rewards Points if you also hold a Chase Sapphire card or the Chase Ink Preferred Card so as I value Ultimate Rewards Points at 1.5 cents each (based on the value I know that I can get out of them with ease), the welcome bonus is effectively worth $1,125. That’s an incredibly impressive return from a welcome offer on a credit card that doesn’t charge an annual fee.

Related: Why you should hold one of the Chase Sapphire Cards

The Earnings

The key element to unlocking the Ink Business Cash® Credit Card’s fantastic earnings power is the 5% cash back on offer at office supply stores (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.

For a lot of people, office supply stores conjure up images of pens, pencils, stationery, printers, ink, and everything else that goes into an office. For fans of the miles and points game, office supply stores mean only one thing – gift cards.

As well as all the usual office essentials, office supply stores like Staples and Office Depot sell a wide variety of gift cards which will all earn 5% cash back when purchased with the Ink Business Cash® Credit Card. If the cardholder also holds a Sapphire personal card or the Chase Ink Business Preferred® Credit Card, that 5% cash back can be converted to 5 points/dollar which, based on my valuation of 1.5 cents/point, is equivalent to a 7.5% rebate.

Examples of gift cards you can buy:


  • Delta
  • Southwest
  • Hotels.com
  • Airbnb

Casual Dining/Coffee Shops:

  • California Pizza Kitchen
  • Starbucks
  • Cheesecake Factory
  • Chili’s
  • Olive Garden
  • Domino’s Pizza
  • Yard House
  • Outback Steakhouse

Retail stores:

  • Macy’s
  • Nordstrom
  • Crate & Barrel
  • Marshall’s
  • JC Penny
  • Sephora
  • Nike
  • TJ Maxx

Home improvement stores:

  • Lowes
  • Home Depot

Streaming services:

  • HBOnow
  • Netflix
  • Apple Music
  • Spotify

Other services:

  • Amazon
  • Apple
  • Whole Foods
  • Fandango
  • Google

That’s just a taster. Walk into any office supply store and take a look at the gift cards they sell and you’ll see that the Ink Business Cash® Credit Card offers 5% cash back with more retailers and service suppliers than just about any other credit card currently available…and it comes with no annual fee!

If you’re prepared to pair it with, for example, the $95/year Ink Business Preferred® card, the Ink Business Cash card becomes incredibly powerful.

  • Most credit cards will only offer, at most, 1 point/dollar or 2% cash back with the majority of retailers/service providers I’ve listed above (outside of quarterly promotions). The Ink Business Cash® Credit Card will earn a minimum of 5% cash back (on up to $25,000 of purchases)

I can’t think of another credit card (let alone a no annual fee credit card) that can generate this level of cash back with this variety of retailers/service providers.

Primary Auto Rental Cover

Unlike a lot of credit cards, the Chase Ink Business Cash® credit card offers cardholders primary auto rental cover as long as the rental company’s collision insurance is declined, the rental is for business purposes, and the entire rental cost is charged to the card.

Considering how many small businesses require their employees (and owners) to rent cars, this can be an incredibly useful benefit to have.

A Word Of Caution

Buying things with gift cards purchased at an office supply store using the Ink Business Cash® credit card can be a fantastic way to rake in the cashback or Ultimate Rewards points, but there is something to be aware of. Buying things with a credit card offers consumers a degree of protection (unless they’re using a Citi credit card) in the event that something they buy goes wrong, gets broken soon after purchase, or if it simply has to be returned.

Shopping with gift cards offers no such protection so it’s always a good idea to use a credit card to part-pay for the larger purchases.

Bottom Line

On its own, the Ink Business Cash® Credit Card from Chase is a fantastic cashback card that has few peers. When combined with one of the Chase Sapphire cards or the Chase Ink Business Preferred® Credit Card it becomes part of a fantastic pairing that opens up an incredible number of great earning opportunities across most spending categories.

Quite simply, it’s a card that all serious miles and points fans should have in their wallets – find out how to apply.

A Fantastic No Annual Fee Card

The Freedom Flex Credit Card is a no annual fee card from Chase and is a “must-have” credit card for fans of Chase’s Ultimate Rewards program. Fantastic earning rates, useful benefits, and no annual fee is always a winning combination.

Current Welcome Offer

New cardholders will earn $200 (or 20,000 Ultimate Rewards Points) after they spend $500 on the Freedom Flex credit card in the first 3 months of opening their new account.

Some Of The Great Earning Rates & Benefits:

  • 5% cash back (or 5 points/dollar) on:
    • Up to $1,500 of spending in quarterly revolving categories
    • Travel purchased through Chase’s travel portal
  • 3% cash back (or 3 points/dollar) on:
    • Dining (includes take-out and delivery)
    • Spending at drugstores
  • 1% cash back (or 1 point/dollar) on spending in all other categories
  • Complimentary cell phone protection

Click for more details on the Chase Freedom Flex 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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