Chase's Ink Business Cash® Credit Card is a standout business credit card option for small business owners. Those with established businesses and good to excellent credit can use the Chase Ink Business Cash card to earn rewards on routine expenses, and there's no annual fee for the card. Plus, the card has a valuable new card member bonus, and you can take advantage of its introductory annual percentage rate (APR) to finance major purchases and spread out the cost with no interest.

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Ink Business Cash® Credit Card

• Annual fee
  $0
• Welcome offer
  Earn $350 after spending $3,000 in the first 3 months, plus an additional $400 after spending $6,000 in the first 6 months
• Card type(s)
  Business, Cash-Back
• Introductory Purchases APR
  0% Intro APR on Purchases for 12 months
• Ongoing Purchases APR
  17.74% - 25.74% Variable
• Recommended credit score
  Good, Excellent

• Rewards rate
  • 5% cash back on the first $25,000 in combined spending at office supply stores and on internet, cable, and phone services each account anniversary year
  • 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account anniversary year
  • 1% cash back on all other purchases

• Benefits
  • Earn 5% cash back on Lyft rides through March 2025
  • Get a 10% bonus on the cash back you earn in your first year if you have a Chase Business Checking account on your card anniversary (available on cards opened between March and November 2024)

More card details: 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary

Additional benefits

The Chase Ink Business Cash card has several major benefits and added perks:

• Automatic credit line increases: Your account will be automatically reviewed for potential credit line increases every six months.

• Auto rental collision damage waiver: The card provides primary collision coverage on car rentals, reimbursing up to the actual cash value of the vehicle for theft and collision damage.

• Travel and emergency assistance services: If you're traveling for business and run into issues, the travel and emergency assistance hotline can connect you to assistance services.

• Roadside dispatch: As a card member, you can call roadside dispatch if you're locked out of your car or run out of gas. However, your car will be charged for any services provided.

• Purchase protection: New purchases are covered for 120 days against damages or theft up to $10,000 per claim and $50,000 per account.

• Extended warranty: The card extends the warranties on eligible items with warranties of three years or less by an additional year.

How to earn rewards

To maximize the value of the card, use it for your common business expenses, such as printer paper, ink, shipping supplies, or internet service. And if you take clients out to restaurants for meetings or have to drive long distances, use the card to pay for the restaurant bill or to put gas in your car to earn a high rewards rate. You can also add your employees to your account as authorized users, and you'll earn rewards on their purchases too.

Below is an example of how much you could earn if you spent $10,000 in a year with your card:

How to redeem rewards

Cash back is earned in the form of points, and each point is typically worth one cent each. You can redeem your Chase Ink Business Cash rewards in the following ways:

• Cash back: Redeem your rewards for statement credits or direct deposit to an eligible business checking or savings account.

• Travel: Book travel arrangements, such as hotel stays or car rentals with your points through Chase Ultimate Rewards®.

• Gift cards: With your card's rewards, you can use your points to purchase gift cards from major retailers and restaurant chains.

Who is the Ink Business Cash card best for?

The Chase Ink Business Cash card is for small business owners who spend significant amounts of money on office supplies and internet service. In those categories, you'll earn 5% cash back on the first $25,000 spent, and you'll also earn a higher rewards rate at restaurants or gas purchases. The card has no annual fee, and a generous introductory APR, making it a good option for microbusinesses and freelancers.

Ink Business Cash card pros

• Achievable cardmember bonus: Some business credit cards have steep spending requirements for new cardmember bonuses. But the Chase Ink Business Cash card is more attainable; you can earn the bonus by spending $6,000 over six months.

• No annual fee: Unlike many business cards, the Chase Ink Business Cash card has no annual fee, and it offers a surprising number of benefits and added perks.

• Introductory APR: The introductory APR offer gives you a full year to spread out the cost of expensive purchases and pay it off without interest.

Ink Business Cash card cons

• Charges foreign transaction fees: The Chase Ink Business Cash card charges a 3% foreign transaction fee for transactions made outside the U.S. or in foreign currency. For those who travel internationally for business, that fee is a significant drawback.

• Only those with good to excellent credit will qualify: Only business owners with good to excellent personal and business credit will qualify for the card. If your credit is less-than-stellar, or you're just getting your business off the ground, you may not qualify.

• No promotional APR on balance transfers: Although the Chase Ink Business Cash card has a promotional APR on purchases, it doesn't apply to balance transfers.

How to make a Chase Ink Business Cash payment

You can make a payment online, through the Chase mobile app, or by mailing a check:

• Online

• Mobile app

• Phone: 1-800-436-7958

• Mail:

Cardmember Services

P.O. Box 6294

Carol Stream, IL 60197-6294

Chase Ink Business Cash card customer service info

• Customer service availability info:

  • Monday through Friday: 7:00 a.m. to 11:00 p.m. EST

  • Weekends: 10:00 a.m. to 7:00 p.m. EST

• Phone number: 1-800-432-3117

• Chase Ink Business Cash login page

Alternative cards to consider

If the Ink Business Cash card isn't the right card for your business, these alternatives may be a better fit:

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Ink Business Unlimited® Credit Card

• Annual fee
  $0
• Welcome offer
  Earn $750 bonus cash back after spending $6,000 in the first 3 months
• Card type(s)
  Business, Travel
• Introductory Purchases APR
  0% Intro APR on Purchases for 12 Months
• Ongoing Purchases APR
  17.74% - 23.74% Variable
• Recommended credit score
  Good, Excellent

• Rewards rate
  1.5% unlimited cash back on every business purchase

• Benefits
  • $0 annual fee
  • Generous intro APR on purchases
  • You won't be held responsible for unauthorized charges made with your card or account information

Why we like it: If you prefer the simplicity of a card with a flat cash-back rate, the Chase Ink Business Unlimited card is a good choice. Like the Ink Business Cash card, it has no annual fee, but it allows you to earn a flat 1.5% cash back on all purchases.

• Read our full review of Chase's Ink Business Unlimited credit card

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The Blue Business® Plus Credit Card from American Express

Rates & fees, terms apply

• Annual fee
  $0
• Welcome offer
  15,000 Membership Rewards® points after spending $3,000 in first 3 months
• Card type(s)
  Business
• Introductory Purchases APR
  0% on purchases for 12 months from date of account opening
• Ongoing Purchases APR
  17.74% - 25.74% Variable
• Recommended credit score
  Excellent, Good

• Rewards rate
  2x points on everyday business purchases such as office supplies or client dinners (applies to the first $50,000 in purchases per year, 1x after that). Terms and limitations apply.

• Benefits
  • $0 annual fee
  • 0% intro APR on purchases for 12 months (then variable rate 17.74% - 25.74% based on your creditworthiness and other factors at account opening; APR will not exceed 29.99%)

Why we like it: The Blue Business Plus Credit Card from American Express has no annual fee, but it has a simpler rewards structure than the Chase Ink Business Cash card. You'll earn two points per $1 spent on all purchases, up to $50,000 per calendar year. After that, you'll earn one point per $1 spent on all other purchases.

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Capital One Spark Miles for Business

• Annual fee
  $0 for the first year, then $95
• Welcome offer
  Earn 50,000 bonus miles after spending $4,500 within the first 3 months
• Card type(s)
  Business, Travel
• Purchase APR
  25.74% variable
• Recommended credit score
  Good, Excellent

• Rewards rate
  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 2x miles on all other purchases

• Benefits
  • Get a statement credit of up to $120 to cover the application fee for TSA PreCheck or Global Entry
  • Transfer your miles to more than 15 travel partners
  • Enjoy international travel without additional fees on purchases made abroad

Why we like it: For those who frequently travel for work, the Capital One Spark Miles for Business card is an excellent choice. It doesn't have an annual fee for the first year (a fee of $95 applies after that). The card doesn't charge foreign transaction fees, and you can enjoy added perks like TSA PreCheck or Global Entry fee credits. Plus, the card allows you to earn unlimited two miles per $1 spent on all purchases.

• Related: We reviewed Capital One's Spark Miles for Business card

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.