Chase Ink Business Cash®: Cash Back King or Just Another Card?

The Quick Version

The Chase Ink Business Cash® Credit Card is a top pick for small business owners looking to earn robust cash back on everyday purchases without an annual fee. It offers 5% cash back on office supplies and select services, plus a $750 sign-up bonus if you meet the spending requirements. Just watch out for the high APR after the intro period.

What's Inside

This card packs a punch with 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year. You'll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% on all other purchases. Plus, there's a $750 bonus if you spend $6,000 in the first three months. The 0% intro APR for 12 months on purchases is great, but it jumps to 18.49%-24.49% variable after that.

What's Actually Good

The no annual fee is a big win, especially for cash-strapped small businesses. That $750 sign-up bonus isn't shabby either, provided you can hit the spending mark. The card's focus on business essentials like office supplies and internet services makes it a practical choice for many.

• ✅ 5% cash back on office supplies and select services
• ✅ No annual fee
• ✅ Attractive sign-up bonus of $750
• ✅ 0% intro APR for 12 months

The Catch

Here’s the rub: after the intro period, the APR can shoot up to 24.49%, which is steep if you carry a balance. Also, the lucrative 5% cash back is capped at $25,000 annually, so high spenders might find it limiting. To snag that $750 bonus, you'll need to spend $6,000 in three months — feasible for some, but not all.

• ❌ High APR after the intro period
• ❌ Spending cap on 5% categories
• ❌ Minimum spending requirement for sign-up bonus

Who It's For

If your business spends heavily on office supplies and internet services, this card is a match made in heaven. It's also a smart choice if you can pay your balance in full every month to avoid the high APR. However, if your business expenses are more varied, or you carry a balance, consider other options like the American Express Blue Business Cash™ Card, which offers a simpler rewards structure.

The Bottom Line

For small business owners focused on maximizing cash back with no annual fee, the Chase Ink Business Cash® is a strong contender. Just be mindful of the post-intro APR and spending caps. Need a solid start for personal credit building? Check out the Chase Freedom® Student: Solid Start for Credit Newbies.