HomeCredit CardsChase Credit CardsThe Chase Ink Business Cash® Credit Card review (2023) - a fantastic...

The Chase Ink Business Cash® Credit Card review (2023) – 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 card_name from Chase.

The card_name 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 card_name (review) it becomes one of the best earning credit cards on the market today.

The card_name

In brief

The card_name 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% cash back = 1 point) if the cardholder also holds the card_name (annual_fees/year), the card_name (annual_fees/year) or the card_name (review) (annual_fees/year).

In detail

Here’s what you need to know about the card_name:

Annual fee:

  • annual_fees

Cost of additional/employee cards:

  • $0 (zero)

Current welcome bonus:

  • bonus_miles_full.


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 card_name):

  • 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 card_name):

  • 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 $900 cash back after you spend $6,000 on purchases in the first 3 months is one of the better (but not the best) welcome bonus this card has offered, but as the card_name doesn’t charge an annual fee, this continues to be of of the best bonuses around.

In addition, the $900 cash back can be taken as 90,000 Ultimate Rewards Points if you also hold a Chase Sapphire card or the card_name, 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), I consider the welcome bonus to be worth $1,350.

That’s a very 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 fantastic earnings power of the card_name 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 card_name. If a cardholder also holds a consumer Sapphire card or the card_name, 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:

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

Home improvement stores:

  • Lowes
  • Home Depot

Streaming services:

  • HBO
  • 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 card_name offers 5% cash back with more retailers and service suppliers than just about any other credit card currently available… and it it doesn’t charge an annual fee!

If you’re prepared to pair it with, for example, the annual_fees/year card_name, the card_name 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 card_name will earn a minimum of 5% cash back (on up to $25,000 of purchases)
  • If you want to earn 5 points/dollar (terms apply) with Delta or Southwest you’ll have to pay for a premium credit card like the card_name which costs annual_fees/year (rates & fees). The card_name doesn’t charge an annual fee and will earn 5% cash back (or 5 points/dollar) every time.
  • If you shop at Amazon with any great frequency (and most people do), the best you can expect from most credit cards is a 2% rebate. The card_name can generate a 5% rebate 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 card_name 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 card_name can be a fantastic way to rake in the cash back or Ultimate Rewards points, but there is something to be aware of. Buying things with a credit card offers consumers a degree of protection in the event that something they buy goes wrong, gets broken soon after purchase, or if it simply has to be returned (unless they’re using a Citi credit card), while shopping with gift cards offers no such protection.

That’s why it’s always a good idea to use a credit card to part-pay for any larger purchases.

Bottom line

On its own, the card_name from Chase is a fantastic cashback card that has few peers. When combined with one of the Chase Sapphire cards or the card_name 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.

For rates and fees of card_name, please visit rates & fees

Our Favourite All-Round Travel Card

The card_name is Chase's incredibly popular entry-level Ultimate Rewards card which offers strong earnings on travel and dining and some great benefits too. Right now and in exchange for an annual fee of annual_fees, this card is offering all successful new applicants the following welcome bonus:


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 here for more details

Regarding Comments

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