Chase Ink Business Cash Review | 5x Points, No Annual Fee

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The Ink Business Cash® Credit Card is one of the best business credit cards available today.

This cash back business credit card is one of the cards in my wallet that I use for my veteran owned small business.

Chase Ink Business Cash Credit Card for Veterans and Military

Ink Business Cash® Credit Card
Learn how to apply on our partner's secure site

  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • 5% cash back on the first $25,000 spent at office supply stores, internet, cable, phone services
  • 2% cash back on on the first $25,000 spent at restaurants and gas stations
  • 1% cash back on everything else
  • Member FDIC
  • No annual fee

The card offers a large welcome bonus offer after you meet minimum spend requirements, has a 5% cash back category on the first $25,000 spent on common small business expenses such as office supply stores, internet, cable, and phones services

While this card is marketed as a cash back card, the points are earned as Chase Ultimate Reward points and can be combined with other Chase Ultimate Reward point cards such the Chase Sapphire Reserve® Card and

Chase has a fantastic line up of business credit cards called the Chase Ink Business credit cards. These Chase Ink cards include the Ink Business Unlimited® Credit Card, the Ink Business Preferred® Credit Card, and the Ink Business Premier℠ Credit Card.

Chase Ink Cash 5x Categories

The 5x categories for the Ink Business Cash® Credit Card are on the first $25,000 of combined purchases per cardmember year on:

  • Office supply stores (like Staples and OfficeMax)
  • internet
  • cable TV
  • phone service including mobile phones and landlines

You can also earn 2% cash back on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations.

Finally, you earn 1% cash back on all other eligible purchases.

Chase Ink Business Cash Benefits

The Chase Ink Business Cash Card offers primary auto rental collision damage waiver insurance. It is valid globally when renting for business purchases.

Eligibility for Business Credit Cards

Many people are surprised to learn they are eligible for business credit cards. The most common and simplest business structure in America is the “sole proprietorship.” Essentially, you are the business!

You can use your Social Security Number when you apply for business credit cards and you do not need a Employer Identification Number or EIN.

You do not need to be a limited liability corporation or LLC when you apply for a business credit card. However, you may increase your chances of getting approved for a business credit card if you have an LLC.

Chase business credit cards do not count against your Chase 5/24 status. However, you need to be under 5/24 in order to qualify for Chase business credit cards.

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