Chase Ink Business Cash Review – Best No Fee Card Available?!?

MtM Review Score

Features
Welcome Offer
Bonus Categories
Long Term Value

Quick Take

The Chase Ink Business Cash credit card is the most valuable no annual fee business card offered on the market. It comes with a top notch earning structure, a great welcome offer, and some valuable perks as well.
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Chase Ink Business Cash Credit Card Review

The Chase Ink Business Cash is among the best value cards around currently. It comes with no annual fee, a compelling welcome offer and 5X bonus categories. For that reason it sits high in our wallet. In this Chase Ink Business Cash credit card review we’ll take a look at the card and why it is a winner for many business owners. 

Chase Ink Business Cash – Welcome Offer

Chase Ink Business Cash Credit Card Review

The current welcome offer on the Chase Ink Cash is:

  • 50,000 Ultimate Rewards points ($500 cash) after $3,000 in spend within the first 3 months. 

Our Take: This is one of our favorite bonuses and is extremely high for a no annual fee card. Learn More. 

Chase Ink Business Cash – Bonus Restrictions

The Chase Ink Business Cash card falls under the dreaded Chase 5/24 rule.  Click the link for more info, but basically you probably won’t be approved if you have opened up 5 or more revolving accounts in the past 24 months. 

In addition to 5/24, most Chase cards require a certain amount of time pass before you can get a card again, but not this one! There is no such terminology/restriction in the Ink Business Cash terms meaning you can potentially get this welcome offer for a second business or if you have had the card before. Make sure to check the latest data points to see how Chase is enforcing this. 

Chase Ink Business Cash Credit Card Review
You can earn 5X points in certain categories including office supply and internet!

Chase Ink Business Cash – Bonus Categories

This card is really a winner when it comes to bonus categories, especially if you consider it has no annual fee! We rack up huge amounts of points thanks to the 5X bonus categories and even the 2X categories are nice in a pinch as well.

The Chase Ink Business Cash card comes with the following earning structure:

  • 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at: Office Supply Stores and on Internet, phone, and cable services.
  • 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
  • 1% cash back on all other purchases

Learn More.

Points or Cashback?

While Chase uses the term “cashback”, you are actually earning Ultimate Rewards points which on their base level can be redeemed for $.01 cash each. Out of the box these points are not transferable to travel partners, however if you combine the Chase Ink Cash with a premium Ultimate Rewards card then your points suddenly have much more potential value. 

Pro Tip: If you have any of the following cards the Ink Cash’s points become transferable to travel partners:

Transferring your Chase Ink Cash points to one of the cards above also allows you to use the Chase Ultimate Rewards portal to book travel as well.  If you do not have a premium Chase Ultimate Rewards earning card then the points earned with your Ink Cash card will only be redeemable for cash back at 1 cent a piece.

Chase Ink Business Cash Credit Card Review
Primary rental car insurance is one of the best perks of the Chase Ink Cash business credit card.

Chase Ink Business Cash –  Cardmember Perks

While you will want to get a more premium credit card if you are looking for elite status and other high-end perks, the Chase Ink Business Cash delivers above its pay grade on features considering the lack of an annual fee. With purchase protection and primary rental car insurance on business trips it offers some features generally reserved for premium travel cards. 

The Chase Ink Business Cash comes with the following perks even though it has no annual fee:

  • Primary car rental insurance – it must be a business rental
  • 0% APR for the first 12 months
  • Extends the time period of U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
  • Covers your new purchases for up to 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Learn More.

Chase Ink Business Cash Credit Card Review
Ultimate Rewards points are valuable for travel if you also combine this card with a premium Chase product.

How Much Is the Bonus Worth?

The Chase Ink Cash’s welcome offer is pretty simple. On the surface it is worth $500, however you have the potential to unlock more value if you pair it with one of the premium Ultimate Rewards cards mentioned above. 

In our opinion transferable Ultimate Rewards points are worth 1.5 cents each when redeemed for travel, which would make this bonus potentially worth $750 if you are also carrying one of the other premium Chase Cards

Chase Ink Business Cash Review – Bottom Line

The Chase Ink Business Cash really shines with its 5X earning categories.  It is the only card still publicly available that earns 5x Ultimate Rewards on a consistent basis since the Chase Ink Plus was discontinued.  With the $25,000 yearly cap on 5X you have the potential of earning 125K Ultimate Rewards points every year fairly easily.

Where the card becomes valuable is when you pair it with an annual fee card like the Chase Sapphire Reserve or Chase’s most popular card Sapphire Preferred.  You can even pair it with the Chase Ink Preferred since they compliment each other nicely.  This unlocks the Chase Ink Cash’s points and allows them to be transferable to valuable travel partners like Hyatt and United Airlines etc.

With all of that said, even as a strictly cash back card the Chase Ink Cash has a decent value considering all of the perks and earning potential.

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Conclusion

The Chase Ink Cash Business credit card is a favorite here at MtM. With the generous 5X and 2X categories plus some very useful perks and no annual fee we feel this card is worth getting and keeping long term. The $500+ welcome offer is a nice bonus for signing up, but this card continues to deliver as you keep it which is also important. 

To sum it up, we have this card, we carry this card and we use this card. 

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5 COMMENTS

5 COMMENTS

    • You do need a business since it is a business card. Many people do things that constitutes as a business like sell items on eBay or own a rental house etc.

  1. I’ve kept this card long term now and find it especially more valuable now that I can just call up and transfer my points to my UR points balance with my CSR card, upping my value to 1.5% instead of 1.25% for travel purchases.

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