The Ink Business Cash Credit Card comes with lucrative earning categories at high rewards caps. Since there’s no annual fee, you don’t have to worry about spending enough to break even on the annual fee. Anyone who spends in areas typical to a business may find this card makes a good match for their expenditures.
Rewards: 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 purchases.
Welcome Offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee: $0
Other Benefits and Drawbacks: The Ink Business Cash Credit Card lets you earn lucrative rewards without an annual fee, so it’s a solid choice for many business owners. The biggest potential drawback is that there are caps in the bonus categories. If you spend a ton of money on business purchases in the elevated earnings categories each year, you might ultimately earn more with a flat-rate earnings card.
But you do get employee cards without any additional cost and you’ll also be eligible for auto rental coverage on vehicle rentals used for business purposes, purchase protection, extended warranties and more just for being a cardholder.
If you pair this card with a premium Chase card like the Chase Ink Business Preferred, Chase Sapphire Preferred or Chase Sapphire Reserve, you’ll unlock the ability to redeem your earnings as Chase Ultimate Rewards. Points can be redeemed for travel for 25 to 50% more, depending on which card you have, or you can transfer your points to travel partners including United and Hyatt.