Chase Ink Business Cash Credit Card Review (2025)

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A no-annual fee card that earns up to 5x Ultimate Rewards? Let me introduce the Chase Ink Cash. This is one of the most rewarding credit cards out there, and it’s been a fixture in the wallets of the FM Team for years. There’s a ton to like about this unsung workhouse and it’s a great bedrock card for any points and miles enthusiast willing to dive into the world of business cards.

a close up of a logo

Chase Ink Business Cash Current Welcome Offer

Chase Ink Business Cash Review

The Ink Business Cash is one of the Frequent Miler team’s favorite cards. There’s no annual fee and a couple of decent 2x categories, but the real winner is the $25k per year in 5x earning on cell phone service, cable, office supply stores, select streaming services, and internet. Although it’s advertised as a cash back card, it actually earns valuable Chase Ultimate Rewards points that can be transferred to a variety of partners when paired with any premium Ultimate Rewards-earning card. It provides car rental insurance, purchase protection and often has one of the best welcome offers in the Chase ecosystem. In our opinion, this card is a must-have.

  • Earning Categories: 
    • 5X at cell phone, cable, office supply stores, select streaming services, and internet on up to $25,000 in total purchases per account anniversary year
    • 5x on Lyft rides (through March 2025)
    • 2x at gas stations and restaurants
    • 1x everywhere else
  • Travel Protections:
    • Auto Rental Coverage: Primary auto rental CDW (collision damage waiver) when renting for business purposes. Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad.
    • Baggage Delay Insurance: Accidental death or dismemberment coverage of up to $500,000.
  • Purchase Protections:
    • Extended Warranty: One additional year, on eligible warranties of three years or less (US warranties only).
    • Damage and Theft Protection: Covers new purchases for 120 days against damage or theft up to $10,000 per claim/$50,000 per account.
  • Who’s this card for? Anyone that’s comfortable getting a business card.
  • Is the Ink Business Cash a keeper? Absolutely, with no annual fee and terrific 5x categories, there’s no reason to not have one (or more) in your wallet.
a woman whispering into a man's ear
The Ink Business Cash is one of my most irreplaceable cards.

Chase Ink Business Cash Pros and Cons

Pros

  • Awesome 5x categories
  • No annual fee
  • Often has one of the best welcome offers of the Ultimate Rewards-earning cards
  • Good transfer partners, especially for folks looking for domestic airline and hotel programs
  • Miles can be shared across cards and cardholders
  • Unusually for a fee-free card, provides primary rental car insurance, travel and purchase protections
  • Can have more than one for the same business

Cons

  • 3% foreign transaction fee
  • Must be paired with a “premium” card to transfer to partners
  • Not the most exciting group of airline partners

Chase Transfer Partners

Related Cards

Ultimate Rewards Business Cards

Ultimate Rewards Consumer Cards

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32 Comments
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Justin

I’m probably just a bit slow at figuring out how to maximize this card, but outside of MS, lately I’ve been using the card to buy the fee free $200 Visas or MasterCard at staples when they offer it and then using it to pay my utility bills, gas and electric.

I’ve also been purchasing target e-gift cards on the Staples website, loading them onto the target circle app. If anyone has any regular organic monthly spend at target for things like groceries, it probably can add up to a good chunk of points.

I think I can hit 100-125k pts annually on this card with a reasonable amount of effort

AG Thomas

I am only seeing 20k for referral bonus on my portal. Is there any tip to get 40k referral bonus?

Adam

40k referral bonus ended a while ago

Joseph Robbins

I am FINALLY out of 5/24 jail and want this card. I have a quick question though please.

  • 5X at cell phone, cable, office supply stores, select streaming services, and internet on up to $25,000 in total purchases per account anniversary year

So does this mean I can get 5x paying my cell and internet bills? That would be a nice 20,400 points per year extra!

CJA

Yes

Sofia

Yes, but YouTube TV doesn’t register as cable services. DirectTV and AT&T do register correctly

Rod Brady

Does Chase do a hard pull for the Ink Business Cards?

Gabi

I applied to, and got approved for the CIC yesterday and Chase pulled my credit on Transunion. Would you please elaborate on how it doesn’t count toward 5/24, please?
When looking at my credit report, how would I know which pulls count and which ones don’t? Thanks!

Oren S

I know the 90k offers are going away..

But I just had a friend refer me for 100k points and they still get their 40k points for referring. Not sure if this referral promo is common.

Gib

Hey guys,
The article says you can have more than one per business? I have an old Ink Plus can I get the bonus on the Ink Cash as well?

Gib

How do you sign-up for more than one? Is there a data point/web article on that one?

Last edited 1 year ago by Gib

[…]  Chase Ink Business Cash Credit Card Review […]

Jayson

The Chase Ink Business Cash is a powerful card, combined with a Chase premium card. 5X in Office Stores (for Gift Card Purchases like Amazon, Visa Gift Cards, Home Depot Uber ect..) is great. Plus internet and telephone services at 5X is a keeper card.

Also I can stack 5X with my Netflix & Spotify Subscription, both code as internet for Chase. So easy 5X

Last edited 1 year ago by Jayson
Points Finder

“5X at …select streaming services”

Where can one find documentation for this? Is this a typo?

Biggie F

Not sure you will find documentation, but I read about it, tried it, and I can tell you that it works for Netflix. Haven’t tried it for anything else.

Points Finder

Cool. I’ll give it a shot with (HBO) Max.

Jayson

It works for me for Spotify and Netflix. Both code as internet

5150d

Old business cash card was better and is grandfathered. Can I apply for this one if I have the old one too?

ECR12

One Datapoint. Applied for the Ink Cash and was instantly rejected at 6/24 (FICO of ~830). I had hoped I’d have a chance after all the recent 5+/24 approval datapoints but wasnt to be.
Have had 4 biz cards but never through Chase. Guess I’ll wait for official reason before trying reconsideration.

Abc007

My referral bonus shows $900 and 40K UR for me. That means P1 and P2 mode can score more.

Frequent Miler Superfan

You get 900 for referring?

abc007

no. 40K UR for me.