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I have been told that the higher welcome offer below will be removed by 9 AM EST on 1/18/2024, so if you had considered applying for the card, you’ll want to act soon

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The Chase Ink Business Cash Card is a great card to add to your collection. With incredibly high rewards to be earned, any small business owner would benefit from the perks. And remember, you may have a business even if you don’t actually think you have one. Here are 5 reasons why you should have this card in your pocket:

An Outstanding Welcome Offer

The sign up bonus for the Chase Ink Business Cash Card is advertised as the ability to bonus_miles_full. This welcome offer is just about the highest welcome offer I have ever seen for a card with no annual fee. Yes, the spending requirement is higher than average, but if you have the ability to meet it, it’s a big bonus. Another way to look at the spending requirement is to divide it over three months, which may make it more palatable.

But it’s actually Chase Ultimate Rewards points

This is a great savings for any business owner. But the real value is that really they just give you the bonus in Chase Ultimate Rewards points. If you have a premium Chase card such as the Chase Sapphire Preferred, Ink Preferred or Chase Sapphire Reserve, you can combine your points and then your Ultimate Rewards points could be worth even more when redeemed for travel or transferred to Chase Ultimate Rewards transfer partners.


Awesome bonus categories (5% and 2%)

After earning your bonus, now comes the REAL savings! The Chase Ink Business Cash Card has the following earning categories:

  • 5% cash back on the first $25,000 spent at office supply stores and communication services such as internet, cable, and phone. If you maximize this, it ends up being a $1,250 savings per year.
  • 2% cash back on the first $25,000 spent at gas stations and restaurants. If you maximize this, it send up being a $500 savings per year.
  • 1% unlimited cash back on all other charges.

As you can tell, there is immense savings to be had with the Chase Ink Business Cash Card. While you might not be able to get all the way up to the limit, having the ability to get 5x Ultimate Rewards on internet, cable and phone bills as well as take advantage of Visa / Mastercard deals at Staples or Office Depot is a nice perk.

a couple of people in a car

Primary Rental Car Coverage and Travel Protections

The Chase Ink Cash card also offers primary car rental coverage in most countries around the world, as long as you are renting the car for business purposes. Renting a car using a credit card that has primary car rental coverage can be a big time and money saver if you happen to get into an accident or cause damage while renting.

(SEE ALSO: How a Chase car insurance claim saved my mom nearly $900)

(SEE ALSO: Why you’re foolish to rent a “standard” car)

The Chase Ink card also offers travel and emergency assistance services.

No Annual Fee

So many high earning or travel rewards credit cards now have annual fees attached. You can make up for that cost if you maximize your card properly, and there are a few credit cards I will pay the annual fee on. But the good news with the Chase Ink Cash card is that it doesn’t have an annual fee, so there’s no need to justify any fees at all for signing up for or keeping the card.

Other Chase Ink cards

The Chase Ink Cash card is one in a family of Chase Ink cards – here are 2 of the other cards in that family if you’re interested

There’s also the old Chase Ink Plus card which also offers 5x on office supply stores (with a $50,000 annual limit) but it is no longer available for new signups.  All of these Chase cards are subject to Chase 5/24. So if you’re over 5/24, you likely will not be approved for any of these Chase credit cards. One other thing to note is that this is a business credit card, and typically business cards do not count towards increasing your 5/24 count.

(SEE ALSO: Which Chase Ink card is best?)

(SEE ALSO: The 2 types of cards not subject to Chase 5/24)

The Bottom Line

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If you have a qualifying business and are looking for a card with an excellent signup bonus and solid perks with no annual fee, the Chase Ink Business Chase is an excellent option to consider. If you have other Chase premium credit cards, it makes the value of the rewards you get from the Chase Ink even more valuable, since you can potentially combine them to get up to 50% additional value.

Do you have the Chase Ink Business Cash card? Let us know your experience in the comments

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