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Feature summary
| Chase Ink Business Cash® | |
|---|---|
| Welcome bonus | Earn $750 bonus cash back (in the form of 75K UR points) after you spend $7,500 on purchases in the first 3 months from account opening. |
| Annual Fee | none ($0) |
| Major Features | 5X earning on office supply stores + internet, cable, and phone services ($25K membership year limit) |
| 2X earning on gas stations and restaurants ($25K membership year limit) | |
| Transferable | Not by itself. Needs Sapphire Preferred or Sapphire Reserve or Ink Business Preferred. |
| Caution | Subject to 5/24 rule when you apply; foreign transaction fee |
| Verdict | One of the best no-fee business cards |
| Partner Site | Learn more about this product |
Did you know?
Ink Business Cash® Credit Card is categorized as a business card that offers a cash back based upon your business-related spendings.
But did you know that you actually earn Ultimate Rewards points (Chase's proprietary rewards points) rather than cash?
A new cardmember will earn “$750 bonus cash back” after spending $7,500 on purchases in the first 3 months after account opening.
But according to the offer details, “You will receive 75,000 bonus points with this bonus offer, which can be redeemed for $750 cash back.”
In other words, you earn Ultimate Rewards Points, which of course has many more (and often more useful) options than a cash redemption.
For example, if you also hold Chase Ink Business Preferred® Credit Card, you can combine your Ultimate Rewards points from Ink Business Cash® Credit Card into those of Chase Ink Business Preferred® Credit Card. And because Ink Business Preferred® Credit Card has the feature of transferring points to leading frequent travel programs at full 1:1 value, you can transfer Ultimate Rewards points to Hyatt's World of Hyatt Program at 1:1 ratio.
Hyatt points are valuable, and you can redeem 40K Hyatt points for a one-night stay at Park Hyatt New York, which retails in the range between $800 and $1,000.
