Chase Ink Business Cash℠

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on Chase's secure website.
  • Earn $300 Cash Back when you spend $3,000 in first 3 months of account opening
  • 5% Cash Back at office supply stores & on cable/telecom, up to $25K annually
  • 2% Cash Back on gas & restaurants, up to $25K annually
  • 1% Cash Back on everything else
  • $0 Annual fee
  • Credit Needed: Good, Excellent
  • View Terms

Why We Like It

The Chase Ink Business Cash℠ is one of our top-rated Cash Back cards with no annual fee and is great for typical office purchases.

A huge sign-up bonus: Earn a $300 Cash Back Bonus after you make $3,000 in purchases within 3 months of account opening!

Earn 5% Cash Back at office supply stores and on internet, cable, cell phone, or other telecom services on the first $25,000 spent (annually).

Earn 2% Cash Back at gas stations and restaurants on the first $25,000 spent (annually), plus 1% unlimited Cash Back on everything else

This card also offers a generous 0% APR introductory period on purchases and balance transfers for the first 12 billing cycles from account opening

Bonus Offer

$300 Cash Back after making $3,000 in purchases within first 3 months of account opening

Get an introductory APR rate of 0% for 12 billing cycles for BOTH purchases and balance transfers from the date of account opening


What many people don't realize: The self-employed and sole proprietors are able to apply without having to provide a federal tax ID (EIN), license or revenue stream. This could be a great rewards card if you're a freelancer, Etsy or eBay seller, or even if you're just getting started consulting or writing.

Simply use your personal Social Security Number, and credit lines will be extended based on your established personal credit history. We recommend you have Good to Excellent (690 - 850) credit before applying for this card.

You may achieve a higher line of credit if you're able to show a revenue stream or additional business documentation, but you could still qualify for the card as well as the sign up bonus even if you don't have this.

Balance transfer fee is 5% of transfer amount, or $5, whichever is greater.

Cash Back is redeemed through statement credit or electronic deposit into a bank account.

Add employee cards for no additional fee. You manage their spending, and you earn Chase points for every dollar they spend so you can earn rewards faster. Say goodbye to inefficient employee reimbursements!

Additional benefits include:

  • Ink Mobile App: receipt & employee spending management
  • Purchase Protection: cover purchases for 120 days against damage or theft
  • Extended Warranty on purchases made with the card
  • Roadside Assistance
  • Auto Rental Insurance: coverage for damage due to collision or theft
  • Baggage Delay Reimbursement
  • Lost Luggage Reimbursement

Card Details

Intro Purchase APR 0% for 12 billing cycles on purchases from account opening
Intro Balance Transfer APR 0% for 12 billing cycles on balance transfers from account opening
Foreign Transaction Fee 3%
Annual Fee $0
Rewards Rate Up to 5% Cash Back on purchases
Rewards Rate Details Cash Back rewards don't expire as long as your account is open
Credit Needed Good, Excellent

Editorial Disclosure

Opinions expressed here are author's alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Thoughts from Actual Users

"My own personal experience has been great. I don't have DUNS or D&B; however, chase still provided me a card with a small credit limit. Now, 4 years later, as my company has grown so has my credit limit. Never been turned down by chase for a credit increase and I love being able to track my employees' spending individually because of the different card numbers provided. And I love the cash back!" Mia M. of Rochester, NY

"Great Business Card. I've only had the card a few months and already have enough reward points available for redemption. I love the benefits and expense reporting too." Quincy G. of Washington, DC

"Great card for business owners. This card screams for business expenses. You can read it in the benefit section. This is simply the best one stop shop for business related expenses hands down. It even includes a end of the year report that will be very accountant friendly." Tim T. of Corpus Christi, TX

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