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Chase Ink Business Cash® Credit Card
5x bonus categories. No annual fee. Ability to convert into Ultimate Rewards. The Chase Ink Business Cash® Credit Card is a card I keep squarely in my wallet, and one you should highly consider acquiring with this all time high sign up bonus. It’s one of the best small business credit cards you can hold and the current offer also has a tiered bonus that yields $350 or 35k Ultimate Rewards after $3k spend in 3 months, but if you spend a total of $6k in 6 months, you’ll get another $450 bonus or 45k Ultimate Rewards.
- Note that this gives small business owners extra time to hit the minimum spend requirement.
Remember, even though this card earns cash back, if you hold any other Chase card that earns Ultimate Rewards ( Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card), you can convert your cash back into UR. Transfer partners is how we take those amazing flights and stay in incredible hotels. Let’s take a look at the Chase Ink Business Cash®
Chase Ink Business Cash® Credit Card
The Chase Ink Business Cash® has no annual fee, gives you access to some great 5x bonus categories, and has a stunning welcome offer
Welcome Offer
Up to $750 or 75k Ultimate Rewards
- Earn $350 when you spend $3,000 on purchases in the first three months
- $400 when you spend $6,000 on purchases in the first six months after account opening
Annual Fee
$0
Points Earned
Cash Back in the form of Ultimate Rewards.
- 5x Bonus points at
- Office Supply stores
- Internet, Cable, and Phone Services
- capped at $25k
- 2x Bonus points at
- Gas Stations
- Restaurants
- capped at $25k
- .No Annual Fee
90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.
I know a lot of businesses incentivize their employees with gift cards as contest prizes, when they hit sales, thresholds, sign a new lease, renew contracts, etc. Many Office Supply stores sell gift cards and this gives you the ability to earn 5x points on office supply purchases. Pretty awesome if you ask me.
Also, if you carry a I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.
- Chase Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
I used Hyatt points to stay at the Park Hyatt New York – Hyatt is a transfer partner of Chase Ultimate Rewards
Chase Ink Business Cash® Credit Card Benefits
I’m going to explain everything as if you are converting in UR. That’s where I extract the most value ( off partner transfers) and it’ll just make it easier to explain and digest.
- 5x points at
- Office Supply stores
- Internet, Cable, and Phone Services
- capped at $25k
- 2x points at
- Gas Stations
- Restaurants
- capped at $25k
5x earn rate explained
I mentioned up above that you can earn 5x at the following places
- 5x points at
- Office Supply stores
- Internet, Cable, and Phone Services
- capped at $25k
A lot of businesses hold special promotions for their employees and reward them with gift cards to their favorite restaurants, online retailers, or shopping centers. A great place to buy gift cards for these promotions are office supply stores. You’ll earn 5x points for your business. A win-win.
It’s also a no-brainer to put Internet/Cable/Phone bills on this card. You can earn thousands of bonus points by paying with this card.
No Annual Fee
Simply put. No annual fee. As long as you have this card, you won’t be forking any money over to keep it.
Chase Ink Business Cash® Credit Card
The Chase Ink Business Cash® has no annual fee, gives you access to some great 5x bonus categories, and has a stunning welcome offer
Welcome Offer
Up to $750 or 75k Ultimate Rewards
- Earn $350 when you spend $3,000 on purchases in the first three months
- $400 when you spend $6,000 on purchases in the first six months after account opening
Annual Fee
$0
Points Earned
Cash Back in the form of Ultimate Rewards.
- 5x Bonus points at
- Office Supply stores
- Internet, Cable, and Phone Services
- capped at $25k
- 2x Bonus points at
- Gas Stations
- Restaurants
- capped at $25k
- .No Annual Fee
90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.
I know a lot of businesses incentivize their employees with gift cards as contest prizes, when they hit sales, thresholds, sign a new lease, renew contracts, etc. Many Office Supply stores sell gift cards and this gives you the ability to earn 5x points on office supply purchases. Pretty awesome if you ask me.
Also, if you carry a I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.
- Chase Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
Make your Ultimate Rewards more valuable: Pair it with a premium Chase card
When you pair your Chase Ink Business Cash® with a card that earns transferrable Chase Ultimate Rewards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Chase Ink Business Preferred® Credit Card you can combine the points into that account to make them more valuable – you can read our full explanation of how to combine points here.
Increase the value for Chase Travel Redemptions
If you carry a Chase Sapphire Reserve you can transfer from the Chase Ink Business Cash® to the Reserve 1:1. Chase Reserve points can be redeemed for 1.5 cents a point in Chase Travel meaning you’ve increased the value of your points by 50% just by transferring. This effectively means that card earns 2.25 cents back per dollar spent.
Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card:
When you transfer from Chase Ink Business Cash® into either of these cards your points are able to be redeemed at 1.25 cents per point in Chase Travel. That’s a 25% increased in value, and you’re effectively earning: 1.5×1.25 = 1.875 cents towards redemptions in Chase Travel.
Redeem your points at a higher value when combining points into a premium card
They can be transferred into partner programs.
When you combine points into an account that earns transferrable points, they are magically converted and you can now enjoy transfer partners.
For instance, if you had 90k Chase Ink Business Cash® Ultimate Rewards and combined them with 10k Chase Sapphire Preferred Ultimate Rewards, you’d have 100k Ultimate Rewards that could be redeemed for $1250 in the Chase Travel Portal, or transferred into travel partners. Pretty awesome!
I don’t have a small business, Miles. You may, and not know it. Keep reading.
Chase is very friendly to entrepreneurs and small business owners. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ).
Who qualifies?
- Online Coaches, tutors, etc
- Uber and Lyft drivers (assuming they still get 1099s whenever you’re reading this).
- DoorDash, GrubHub and Postmates
- Social Media income ( TikTok, Instagram, YouTube )
- Cater Waiters
- Personal Trainers
- Dog Walkers
- Freelance graphic designers and web designers
- Singers, artists, dancers, models, etc
- Virtual Assistants
- Ebay, Amazon and Facebook resellers
If you run a small side business and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out. Personally, I have 3 businesses that I run, two have an EINs, and one doesn’t. I still need to keep all of their records separate, and so I have cards for each business.
If you want more information on this, read our full small business guide here
Is the Chase Ink Business Cash® restricted by 5/24
Yes. Every single card that earns Ultimate Rewards ( or cash back that can be converted into UR) is restricted by 5/24. However, Chase business cards don’t add to your number.
What are some great uses of Ultimate Rewards?
You can find an extensive list of the best uses of Chase Ultimate Rewards here, but let’s peruse a few aspirational travel redemptions – these options are specifically for transferrable Ultimate Rewards:
Air France/KLM FlyinBlue
I’ve redeemed FlyinBlue multiple times for international business class – rates range from 55k to 77k each way depending on the route
Emirates – 102k from New York to Milan on the A380 or Newark to Athens on the 777
Another cool option would be to redeem 102k to fly Emirates first on many routes around the world.
Virgin Atlantic
I’ve flown Virgin Upper Class many times for 47.5k Virgin miles + $800 in fees. While you’ll pay a hefty sum in taxes and fees, availability is great.
United
You could redeem 60k United miles for a one way business class flight from the US to Europe
Overall
This is a no brainer to add to your wallet if you qualify for a small business credit card, which most of you do.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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