Ink Business Cash^® Credit Card Review

Last Updated on July 27, 2026

Offer Rating

4.5 / 5

By Our Content Team

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.

Editor

01Card Offer

4.5

CompareCredit Score

4.5

CompareCredit Score

Limited Time Offer
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening

on Chase's secure site

Limited Time OfferEarn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
Rewards RateUp to 5% cash back on select purchases
Intro APR0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Product Details

Select to apply online
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.

Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

Select to apply online
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.

Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

02Pros & 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

03Why We Like It

Our Expert Review

Editorial Disclosure

Offer Rating

4.5 / 5

By Our Content Team

Key Benefit

Enjoy an extra-long 0% intro APR on purchases and up to 5% cash back on purchases

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 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from 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.