Chase Ink Cash Business Card Review: $250 Bonus Cash Back

by Silicon Valley Blogger on 2012-01-054

Chase Ink Cash Business Credit Card

Having a business credit card can make it convenient to buy office supplies and to book travel, and can help you manage your business with a separate form of tracking for your expenses. Now I happen to have a soft spot for cash back credit cards as it’s been the easiest way to get rewarded for using a card. If you’re a business owner and want to keep track of your business expenses through your credit card, then the best kind of card to get would be one that paid you back for your spending. And the Chase Ink Cash (SM) Business Credit Card is precisely that kind of card that gives you cash rewards.

Chase Ink Cash Business Credit Card: Main Features

Chase has retooled this card so that it emphasizes the cash reward perks more strongly. Here’s what you’ll get:

  • This business card has generous cash back features, which starts off with a $250 cash back bonus in total, which is broken down as follows: $100 on the first purchase you make and another $150 once you spend $5,000 during the first 3 months as a Chase customer. This bonus of $250 is only available to new customers.
  • As for the everyday reward features of this card, here’s what you’ll get: earn 5% cash back on certain spending categories such as office supply stores, landline, cable and wireless services. The 5% earnings are made against a maximum of $25,000 spent each year. You’ll also get 2% cash back when you spend at gas stations, restaurants and other dining establishments. Likewise, this 2% reward is generated against the first $25,000 that is spent annually. For all other expenditures, get an unlimited 1% cash back, by default. That is, the points you earn for all other categories won’t be capped.
  • This card also has an introductory offer of 0% APR on purchases and balance transfers for 12 months. At the end of the period, your rate will reset after Chase reviews your creditworthiness.
  • There’s no annual fee for this card.
  • When you shop through Chase Rewards Plus (Chase’s online store), you have a chance to earn up to ten times the usual number of points. Be sure to enroll at Chase Rewards Plus to earn the points there.
To apply for the Ink Cash (SM) Business Card With $250 Cash Back, here’s where to go.
Ink Cash (SM) Business Card Promotion

Comparing Chase Ink Cash Business Card To Similar Business Cards

Here’s how the Chase Ink Cash business card measures up against other business cash back cards:

Chase Ink Cash Business Card
Capital One Spark Cash Select For Business
American Express SimplyCash Business Card
Cash Back Bonus Up to $250 ($100 after first purchase, $150 after spending a certain amount 50% bonus on the cash back you earn annually Automatic 3% to 10% cash back on business expenses from certain merchants
Everyday Rewards From 1% to 5% on various spending categories Earn 1% cash back From 1% to 5% on various spending categories
Card Terms 0% intro APR on balance transfers and purchases for 12 months 0% intro APR on purchases for 6 months 0% intro APR for 6 months, 9 months or 12 months, depending on credit history
Annual Fee None None None

From what we’ve seen, the Ink Cash card is a great choice given the combination of rewards benefits plus 0% APR terms that it affords a customer. But you’ll need excellent credit to qualify for the card.

Find out more about these cards in our Business Card Offers Page.
Business Credit Card Offers

Chase Ink Cash Provides Flexibility

Here are a few more noteworthy characteristics of this card:

  • Redeeming your points is easy. With this card, redeeming your points is straightforward. After the bonus period, you’ll begin accumulating everyday points. Once you’ve reached 5,000 points, it’s possible for you to get $50 cash back. Or you can opt for gift cards to restaurants, various stores, services, and even hotels that you like.
  • You can manage your balance as you see fit. To help you manage your cash flow, you have several options. For instance, you can select your preferred payment date. Also, your credit line is customized to fit the needs of your business. You can also choose to carry your balance over time or you can skip the interest payments by paying your balance in full each month. It’s your choice.
  • Get free additional cards for your employees. In the event your employees need credit cards, you can issue them Ink Cash cards for no additional charge. You’ll earn cash back on their purchases as well. Follow your employees’ expenditures by choosing spending limits for them and follow up with balance updates. If you like, you can receive alerts by text, email, or phone. That way, you have better oversight over your account’s activity, even with multiple users.
  • The card has good security features. The card offers purchase protection, too. There’s a Zero Liability Policy for times when you find unauthorized charges on your account, and there’s a Fraud Early Warning Service that can assist you.

If you tend to use a business credit card fairly often, it may be a smart idea to upgrade to a card that offers cash back. As a business card that doesn’t charge an annual fee, Ink Cash (SM) looks like a great choice to help you start earning cash back for your business.

Created October 17, 2010. Updated January 5, 2012. Copyright © 2012 The Digerati Life. All Rights Reserved.

{ 4 comments… read them below or add one }

Coco October 23, 2010 at 8:15 am

I own this card and it’s worked out pretty well for me. Have had no issues with it. I also like Chase Freedom. But have been thinking of picking up an Amex Open card though. Have thoughts on that?

Ask Questions June 30, 2011 at 2:26 am

@Coco, I have been using Chase Ink Cash Business Card and never had any problems with it.


Sun July 13, 2011 at 12:38 am

I think this card is good for me. First of all, it has a pretty huge cash back reward right off the bat. It looks like a great option and I am strongly considering picking it up after I do enough research.

Silicon Valley Blogger April 19, 2012 at 5:12 pm

Take note that the terms have changed recently: part of the cash reward of $250 is immediately available after your first purchase now (so you won’t have to wait to spend a certain amount within a fixed period of time). Another improvement here is that the 0% intro APR offer has been extended from 6 months to 12 months.

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