Ink Business Cash® Credit Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

This no annual fee card is a favorite for business owners trying to maximize the rewards they earn on business purchases. Cardholders enjoy up to 5% cash back, plus 0% intro APR on purchases and a big sign up bonus.

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Ink Business Cash Credit Card card art Rates & Fees

Ink Business Cash® Credit Card

4.5 BCC Score
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on Chase's secure site

Welcome Offer
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Rewards Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Intro APR
0% Intro APR on Purchases for 12 months and N/A, then 16.74% - 24.74% Variable
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa®
  • Earn $750 when you spend $6,000 on purchases in the first three months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Complimentary three-month lnstacart+ membership.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Pros

  • 0% Intro APR on Purchases for 12 months
  • Up to 5% cash back and a lucrative sign up bonus
  • Pay no annual fee for you and your employees

Cons

  • There is an annual cap on the amount of cash back you can earn in the 5% and 2% categories
  • No intro APR on balance transfers

OUR EXPERT REVIEW

Why We Like It

For business owners looking to maximize the rewards on their daily expenses, the Ink Business Cash® Credit Card could be a great fit. This card offers generous cash back rates in common spending categories for business owners. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

To kickstart your cash back earning, new cardholders can earn a big sign up bonus: Earn $750 when you spend $6,000 on purchases in the first three months after account opening. There is no annual fee with this credit card, which is a great perk considering all the cash back it offers. You can also get employee cards for no additional cost.

In addition to the cash back rewards, the Ink Business Cash® Credit Card comes with 0% Intro APR on Purchases for 12 months. That lengthy intro period is among the longest we've seen for a business credit card and can really come in handy if your business needs to finance a large purchase, like an inventory order, or just float expenses during the slow season. After the intro period, the ongoing APR is 16.74% - 24.74% Variable.

Pros & Cons

Pros

  • 0% Intro APR on Purchases for 12 months
  • Up to 5% cash back and a lucrative sign up bonus
  • Pay no annual fee for you and your employees

Cons

  • There is an annual cap on the amount of cash back you can earn in the 5% and 2% categories
  • No intro APR on balance transfers

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