Chase Ink Business Cash Credit Card Review

The Chase Ink Business Cash is the ideal card for small businesses that want a no annual fee card that earns points on gas, dining, internet, phone, and cable expenses. 

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Chase Ink Business Cash

Key features

  • Annual fee: $0
  • Sign-up bonus: 50,000 Ultimate Rewards points after $3,000 in spend within the first 90 days of account opening
  • Spending Multipliers:
    • Earn 3X points on internet, cable, and phone services*
    • Earn 2X points on gas stations and restaurants*
    • Earn 1X points on all other purchases

           *on up to $25,000 in combined category purchases each cardmember year

  • Foreign transaction fees: 0%
  • Primary collision damage waiver (CDW) when renting for business purposes

Review: Is the Chase Ink Business Cash Worth It?

The Chase Ink Business Cash is ideal for small business that has up to $25,000 in select category spend. Earn 5X on up to $25,000 each cardmember year in combined purchases on internet, cable, and phone services. Earn 2X on up to $25,000 each cardmember year in combined purchases on gas and dining.

The Chase Ink Cash compliments the premium travel cards like the Chase Ink Preferred, Chase Sapphire Preferred, or the Chase Sapphire Reserve because you can pool Ultimate Rewards together and redeem points at a better value with the Chase Ultimate Rewards Travel Portal and transfer partners.

Travel confidently with built-in travel protections when you book trips with the Chase Ink Business Cash. Below are a handful of travel benefits:

  • Primary auto rental collision damage waiver (CDW) when renting for business purposes
  • Travel and emergency assistance services
  • Roadside dispatch 

Chase Ink Preferred vs. Chase Ink Cash vs. Chase Ink Unlimited

Chase Ink Business Card Spending Multipliers

The Chase Ink Cash is perfect for small or new businesses because it doesn't have an annual fee, and you have spending multipliers for select categories. Depending on the your expenses, pick the Chase Ink card that fits your business.

Chase Ink Preferred

  • Earn 3X points on up to $150,000 in combined purchases:
    • Travel
    • Shipping expenses
    • Internet, cable, and phone services
    • Social media and search engines ads

Chase Ink Cash

  • Earn 5X points on up to $25,000 in combined purchases:
    • Internet, cable, and phone services
  • Earn 2X points on up to $25,000 in combined purchases:
    • U.S. gas stations 
    • Restaurants

Chase Ink Unlimited

  • Earn unlimited 1.5X points on all purchases

How Much Are Chase Ultimate Rewards Points Worth?

Depending on how you plan on redeeming your Chase Ultimate Rewards points, they can be worth between 1-2 cents per point. 

Chase Ultimate Rewards Redemption Rates
Value Per Point
Statement Credits 1 cent
Cash Back 1 cent
Gift Cards 1+ cent
Travel via Chase Ultimate Rewards Travel Portal 1.25-1.5 cents
Airline and Hotel Transfer Partners 1.25+ cents

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”