The Ink Business Cash Credit Card is an impressive small-business card that delivers significant value for owners who spend within its bonus categories. Plus, your purchases transfer into Chase Ultimate Rewards points that can be redeemed for travel rewards such as World of Hyatt hotel stays or discounted flights on ANA and Virgin Atlantic airlines.
1. No Annual Fee
The Ink Business Cash Credit Card provides a competitive return on expenses commonly used by businesses while providing a lucrative sign-up bonus to new cardholders. Ideal for businesses that make significant expenditures in key categories like office supplies and internet/cable/phone services, rewards can be redeemed through Chase Ultimate Rewards for cash back, statement credits, gift cards merchandise and travel – making this card ideal for frequent spenders!
As opposed to other cards that pay out cash rewards, Ink Business Cash’s rewards come in the form of points which can be redeemed on Ultimate Rewards website and transferred between Chase cards. Furthermore, its travel and shopping protections include primary rental car collision damage waiver coverage and extended warranty coverage (on purchases covered by their original U.S warranty of three years or less).
The Ink Business Cash card’s no annual fee can be an attractive feature for small business owners. For those unable to maximize all three bonus categories on this card, alternative credit cards with higher annual spending limits and earning three times points on certain purchases might offer greater value; others with no bonus categories (such as Ink Business Unlimited Credit Card ) might offer better fits;
2. 5x Cash Back on Office Supplies
The Ink Business Cash Credit Card has long been one of the premier no-fee business cards, but recently it’s become even better with an generous welcome bonus, solid returns on common expenses, travel and purchase protections not always found with other cards and travel benefits not always seen elsewhere. Up to $25,000 spent annually can earn 5% rewards at office supply retailers (such as Staples or OfficeMax) internet cable phone services (like Verizon) – should your spending exceed this threshold there are other cards with higher spending caps or better returns rates that could better suit you than this one.
As with restaurant and gas purchases, your company can earn 2% back up to $25K spent annually with this card – that’s an outstanding return that makes business travel much more efficient! Maxing out this category won’t take long when using this card for business travel purposes.
The Ink Business Cash gives businesses who ship regularly an attractive reward option by offering three times points for shipping purchases – making this card especially appealing. Just be wary that certain merchants may classify as different stores and not award 3x points! Your rewards can be redeemed for cash, gift cards and merchandise through Chase Ultimate Rewards; plus they can be combined with other Chase cards and personal Ultimate Rewards accounts to stretch out the value of each dollar spent! This flexibility can make an outstanding business credit card truly exceptional.
3. 2x Cash Back on Gas & Restaurants
The Ink Business Cash Credit Card from Chase is designed specifically to meet the needs of small businesses that spend heavily in Chase’s bonus categories, with an attractive sign-up bonus and earning rate, including spending caps of $25,000 in each of its two highest earning categories each year.
Spend over the threshold amount in any one category and your card earns you one percent back per dollar spent, adding up quickly. Plus, Ink Business Cash boasts excellent gas and restaurant rewards rates, making it the ideal card for dining out for work purposes or taking clients out to lunch.
Frequent Miler team’s favorite card, Ink Business Cash is highly favored among their Frequent Miler members due to its well-rounded earnings structure, impressive welcome bonus, and useful benefits like car rental insurance and purchase protection. It makes an ideal card choice for those seeking to maximize their rewards potential by stacking premium Ultimate Rewards-earning Chase credit cards together.
American Express’ Blue Business Plus Credit Card provides a great alternative to annual fees, offering comparable earnings potential: two Amex Membership Rewards points are earned for every $1 spent on everyday business expenses up to the maximum spending limit, and one point per dollar on other eligible expenses. In addition, this card comes equipped with key protections like extended warranty coverage that helps ensure equipment and electronics remain protected against damage or theft.
4. Purchase Protection
Frequent Miler team favorite cards, this business credit card from Chase offers excellent rewards in Chase’s 5x categories for businesses that frequently spend in these areas. There’s a generous welcome offer and no annual fee; and earning 5x on cell phone service, cable television subscriptions, office supplies stores, select streaming services and internet is easy with it. Plus you earn Chase Ultimate Rewards points that can be transferred across partners plus one of the best car rental insurance policies around!
The Ink Business Cash offers purchase protection by extending manufacturer warranties by one year on eligible purchases made with its card, plus various perks such as fraud protection, personalized account alerts and employee cards to help small business owners manage spending more effectively.
While the Ink Business Cash is a solid choice for many types of businesses, its limited rewards in certain categories may make it less suitable. Therefore, we advise pairing it with another travel credit card to maximize rewards potential if your business spends heavily in areas it does not cover (travel cards are an ideal example), or choose another business credit card offering higher returns for gas and restaurant spending (NerdWallet’s list of best business credit cards can help make a decision easier). To help make your choice easier NerdWallet has created a comprehensive list of best business credit cards – use NerdWallet’s list of best business credit cards to find just the perfect card!
5. Extended Warranty Coverage
Are You A Business Owner Looking for the Ideal Way to Reward Common Expenses? Look No Further! The Ink Business Cash Credit Card Offers strong returns on spending, rewarding welcome bonuses and useful shopping and travel protections for no annual Fee!
Though not without some restrictions, the Ink Business Cash card remains an attractive solution for small businesses that want to maximize their spending. For instance, this card features purchase protection that covers new purchases for up to 120 days from damage or theft; coverage amounts to $10,000 per claim and $50K total per account. Furthermore, this card offers car rental collision damage waiver coverage, eliminating the need to purchase additional coverage through rental agencies.
As an added perk, this card offers 5 percent back on office supply stores and internet, cable and phone services up to $25,000 of combined spending each account anniversary year – an impressive rate when combined with any premium Ultimate Rewards-earning card; these points can then be transferred over to Chase’s wide variety of travel partners.
However, if your spending falls outside the bonus categories and annual fee. Check out NerdWallet’s credit card matcher tool to quickly find your ideal card!
6. Personalized Account Alerts
The Ink Business Cash credit card boasts a generous welcome offer and many additional perks that make it a top choice among entrepreneurs. Some of its most valuable benefits include purchase protection and extended warranty coverage that could save your business thousands in equipment purchases; as well as free rental car collision damage waiver, which could save money when renting vehicles for business use.
Ink Business Cash card’s Ultimate Rewards transfer partners allow for maximum value from your points, enabling you to use them towards travel and luxury hotel perks with partners such as World of Hyatt, ANA Mileage Plus, Virgin Atlantic as well as Chase’s limited-time shopping portal where qualifying purchases earn extra cash back rewards.
The Ink Business Cash card is an excellent choice for small businesses that spend frequently in its bonus categories and want to take advantage of its impressive earning rates and perks. Also consider it if you wish to earn three times points on common business expenses such as office supplies, gas, internet cable phone services and phone services; alternatively the Amex Blue Business Plus (terms apply) offers free charging and has a lower annual spending cap.
