Ink Business Cash® Credit Card–Up to 5% Cash Back

The Ink Business Cash® Credit Card offers an excellent signup bonus, one of the highest bonuses out there. It also offers 5% cash back on categories like office supply stores, and on internet, phone and cable–categories where any business is likely to spend money. Employee cards are available at no additional cost. If you’re still setting up or investing in your business, you can make good use of the 0% introductory APR offer on purchases for the first 12 months. There’s no annual fee, and you get some nice travel benefits as well. We dive into the details and your approval odds in this review.

Our Rating

4.8/5.0

Welcome Offer

Earn $750 bonus cash back

Annual Fee

$0

0% on Purchases

12 months

Reward Rate

1%-5%

0% on Balance Transfers

N/A

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Trip Delay Reimbursement, Roadside Assistance, Trip Cancellation Insurance

Rewards

1% cash back
On all other eligible purchases
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Select Categories
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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars
Regular APR18.49% - 24.49% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 18.49% - 24.49% (V) APR after that.

What Credit Score Is Required to Get the Ink Business Cash® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/13/2023
781
Experian
$3,000
Approved12/13/2023
805
TransUnion
$3,000
Approved12/13/2023
811
Equifax
$3,000
Approved01/03/2023
753
Experian
---
Approved07/04/2023
755
Experian
$3,500
Approved07/04/2023
791
Equifax
$3,500
Approved07/04/2023
815
TransUnion
$3,500
Approved01/06/2023
757
TransUnion
$5,000
Approved01/06/2023
763
Equifax
$5,000
Approved01/06/2023
764
Experian
$5,000
Approved01/12/2024
810
TransUnion
$4,000
Denied08/10/2023
763
Experian
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Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points
Cons
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express

Rating

4.5

Rewards Range

1x to 5x Points

Annual Fee

$695

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