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        铁锤坦克

        铁锤坦克Full Disclosure:铁锤坦克 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        U.P. Rating for Ink Business Cash? Credit Card Review: ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The Ink Business Cash? Credit Card is one of the best — if not the best — no annual fee business credit card on the market.

        The card has a wide-range of 5% and 2% cash-back categories and – when combined with a more premium Chase card — can turn earned cash-back into valuable Ultimate Rewards points. All of this in addition to purchase protection, rental car collision waivers, and extended warranty benefits that insure important business purchases from theft and loss.

        While all of these features sound great on paper, there are a lot of great business credit cards on the market. This can make it tough to pick the right card for your business — especially without knowing the ins-and-outs of the card’s extensive list of benefits.

        Here are all of the Ink Business Cash card’s benefits and assign them a cash value. Then, we’ll add all of these valuations up and give you our total valuation of the card and a quick summary.

        You can use the information outlined in this article to decide if the Ink Business Cash card is right for you and your business spend. Just note that the valuations assigned in this article are based on moderate business spend and travel, so they could be worth more or less depending on how much you travel and how much your business spends.

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        Rewards earning is undoubtedly the most intriguing part of the Ink Business Cash card and in this section, you’ll find an overview of how to earn and redeem its points. Plus, we’ll walk you through the card’s limited set of travel benefits, too.

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        Person Counting Money
        The Ink Business Cash card has 5% and 2% cash-back categories. Image Credit: Sharon McCutcheon via Unsplash

        The Ink Business Cash has a 5%, 2%, 1% cash-back earning structure. This means that some purchases earn 5% cash-back, some earn 2%, and the rest earn 1%.

        Obviously, the 5% cash-back categories are the most intriguing and lucrative. You’ll earn 5% cash-back on your first $25,000 (then 1%) in purchases in the following 2 categories:

        • 铁锤坦克Office Supply Stores: 铁锤坦克This includes purchases from Staples, OfficeMax, and other office supply stores. Note that these stores now sell much more than office supplies, so you can maximize this category by buying computers, snacks, and other business purchases at office supply stores. Many office supply stores sell retail gift cards, too, so you can buy gift cards for stores you frequent and use them to cover other everyday business expenses.
        • 铁锤坦克Internet, Cable, and Phone Services: 铁锤坦克This includes things like your internet bill, business cell phone charges, etc. Just note that it doesn’t cover hardware.

        The card’s 2% cash-back categories can be lucrative, too. These categories are subject also limited to $25,000 in purchases per year and then earn 1% cash-back. Here’s a look at the categories:

        • 铁锤坦克Gas Stations: 铁锤坦克You can use this on any gas station purchase, including food, beverages, car washes, and of course, gasoline. Just make sure the purchase is processed directly by the gas station and not any type of third-party mechanic.
        • 铁锤坦克Restaurants: 铁锤坦克This includes everything from fine dining to fast food to coffee shops, so you can make client meetings and ordering food to the office even more rewarding.

        As you’d expect, all other purchases earn 1% cash-back on the card with no cap. On top of this, cash-back earned with the Ink Business Cash card doesn’t expire as long as your account is open and in good standing, so there’s no rush to use the points you earn with the card.

        We highly recommend maximizing the 5% categories if you can. This will help you rack up bonus cash-back quickly, so 铁锤坦克we value the card’s 5% and 2% bonus categories at $300 annually.铁锤坦克

        This is under the assumption that your business can earn at least $300 in cash-back per year and cashes it out for statement credit.

        铁锤坦克However, there are ways to make this benefit worth?much more than our valuation.铁锤坦克 One easy way is to spend through the $25,000 limits for your 5% categories, giving you as much as $1,250 in cash-back.

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        Row of Seats on An Airplane
        You can use cash-back earned with your Ink Business Cash card for travel, statement credits, and more! Image Credit: Omar Prestwich via Unsplash

        There are a few ways you can redeem the cash-back earned with your Ink Business Cash card. Here’s a look at all of the different options with their respective valuations.

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        By far the most lucrative way to redeem your Ink Business Cash card’s cash-back is by transferring the cash-back to Chase Sapphire Preferred, Chase Sapphire Reserve? card, or Ink Business Preferred card. Doing this turns your cash-back into full-blown Chase Ultimate Rewards points that can be transferred to a number of different airline and hotel partners.

        These transfer partners include:

        Chase Airline Transfer PartnerMin TransferTransfer Ratio
        (Chase > Airline)
        Transfer Time
        铁锤坦克Aer Lingus AerClub1,0001:1Almost Instant
        British Airways Executive Club1,0001:1Almost Instant
        Flying Blue AIR FRANCE KLM
        1,0001:11 hour
        Emirates Skywards1,0001:1New, pending reports
        Iberia Plus1,0001:1Almost Instant
        JetBlue1,0001:1Almost Instant
        Singapore Airlines KrisFlyer
        1,0001:11-2 days
        Southwest Airlines Rapid Rewards1,0001:1Almost Instant
        United Airlines MileagePlus1,0001:1Almost Instant
        Virgin Atlantic Flying Club1,0001:1Almost Instant
        Chase Hotel Transfer PartnerMin TransferTransfer RatioTransfer Time
        World of Hyatt
        1,0001:1Almost Instant
        IHG Rewards Club1,0001:11 day
        Marriott Rewards1,0001:12 days

        Transferring points to these partners lets you score some incredible deals. You can stay in luxurious hotel suites by transferring to World of Hyatt, book ANA first class with Virgin Atlantic, or cheap tickets to Europe with Air France/KLM Flying Blue. In fact, we have a guide that shows you all of the best ways to redeem Ultimate Rewards points for maximum value.

        This makes the Ink Business Cash card’s bonus earning rates even more valuable for those with Ultimate Rewards earning cards. If you max out the 5% back categories and transfer the cash-back to one of these cards, you’re looking at an incredible 125,000 Ultimate Rewards points.

        We value this point haul at a whopping $2,437.50 based on our October 2019 valuation?of 1.95 cents per Ultimate Reward point.

        But we get it: not all businesses will be able to max out these categories. 铁锤坦克So with that in mind, we value the ability to turn your Ink Business Cash card’s cash-back to Ultimate Rewards points conservatively at $300.铁锤坦克 Remember though, this can easily be worth more if you spend more on the card.

        On the other hand, this benefit is worth $0 if you don’t have an 铁锤坦克Ultimate Rewards earning credit card. So, you can disregard this benefit if you don’t have one of these credit cards.

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        Further, you can link your Ink Business Cash card to pay for Amazon purchases using cash-back in your account. However, this isn’t something we recommend doing.

        This is because you’ll get a measly $0.8 per 1% cash-back in value when using your points on Amazon purchases, so you’re better off redeeming for a statement credit. 铁锤坦克Because of this, we give the benefit a $0 valuation for the purposes of this article.?铁锤坦克

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        Likewise, you can use your cash-back to purchase gift cards through the rewards portal. However, there’s no real benefit to doing this — you’ll get the same value as if you simply requested cash-back. 铁锤坦克So with this in mind, we value this redemption option at $0.铁锤坦克

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        One of the biggest upsides to getting an Ink Business Cash card is that the card has no annual fee for the life of the account. This means that so long as you pay down your card on-time and in full each month, you’ll never pay any type of fee for using your Ink Business Cash card.

        Other competing business credit cards have annual fees between $49 and $95, 铁锤坦克so we’ll value this benefit at $75 per year铁锤坦克.

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        Likewise, you can add unlimited employee cards to your Ink Business Cash card for free. This lets you consolidate expenses and earn rewards on your employee’s purchases, making business purchasing easier (and cheaper) than ever.

        Plus, you can use Chase’s online dashboard to track your employee’s spending in real-time, giving you peace of mind when employees are on the road or making purchases for a client.

        铁锤坦克Like no annual fee, we value this benefit at $75 per year.铁锤坦克 However, the value of this benefit can be much higher if you have lots of employees, or worth $0 if you’re a freelancer or run a sole proprietorship that has no additional employees.

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        Tesla Model 3 On A Hill
        Pay for business car rentals with your Ink Business Cash card and you’ll get a free primary damage waiver. Image Credit: Charlie Deets via Unsplash

        All rental cars paid with the Ink Business Cash card are eligible for a primary rental car collision waiver. This means that Chase will reimburse you for charges incurred as a result of damage to (or theft of) a rental car when it’s in your possession.

        Just note that a few conditions must be met in order for Chase to pay out on your reimbursement claim. These include:

        • You have to pay for the rental with your card.
        • You have to decline the collision damage waiver offered by your rental car company.
        • You must be renting for business purposes.
        • You’re not renting in Ireland, Israel, or Jamaica as coverage isn’t valid in these countries.
        • You’re not renting off-road vehicles, sports cars, or trucks; these types of vehicles aren’t eligible for coverage, so check with Chase if you’re unsure if your rental is eligible.

        Further, note t铁锤坦克hat this coverage does not pay out for damage to other driver’s cars or injuries.铁锤坦克 It simply covers damage that you incur to the vehicle itself, so make sure to either bring proof of car insurance or purchase car insurance from the rental car company when you rent a car using your Ink Business Cash card.

        铁锤坦克We value this benefit at $150 铁锤坦克because it can save you a lot of money if you usually pay for the collision damage waiver offered by the rental company.

        Further — since the waiver pays for up to the value of the car — it can potentially save you thousands of dollars if you ever get into a wreck or have a rental car stolen while it’s in your possession.

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        Continuing on the topic of rental cars, Chase has partnered with rental car company Avis to provide exclusive savings and elite status-like benefits to Ink Business Cash cardholders. After connecting your card account with Avis, you can take advantage of the following benefits:

        • Exclusive discount offers for Avis Rentals.
        • 1 rental reward day for every 7 qualifying days rented; this is 2x as fast as regular Avis members.
        • Rentals are eligible for a complimentary 1-car-class upgrade on your rental (if available).
        • Discounts on GPS rentals.

        Connecting your card is simple: head to Chase’s website and click the 铁锤坦克Access Ink Insider 铁锤坦克button under the Avis header. Once connected, Avis will provide you with an Avis Worldwide discount number to use when making rentals铁锤坦克. 铁锤坦克Enter this number when you make a reservation and you’ll receive exclusive discounts on your rentals and all of the other benefits listed above.

        铁锤坦克We value this benefit at $75, but it can be worth a lot more if you frequently rent cars from Avis.铁锤坦克 Regardless, always make sure to price-compare Avis rental prices with other rental companies for the best deal.

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        The Ink Business Cash card includes access to a roadside dispatch hotline.

        This service is available 24 hours a day, and Chase’s team can get you in touch with companies that provide towing, jumpstarting, tire changing, lockout service, winching, gas delivery, and more. The fees for specific roadside services are provided when you call, and if accepted, will be billed to your Ink Business Cash card account.

        铁锤坦克We value this benefit modestly at $25.铁锤坦克 You’re unlikely to ever have to use the benefit, and it will cost you when you do. Regardless though, the benefit can provide peace of mind when driving for work or pleasure.

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        Likewise, the Ink Business Cash card gives you access to a travel and emergency assistance hotline. This benefit provides access to legal and medical referrals as well as other types of travel and emergency assistance.

        Again, you’re responsible for paying for the cost of any goods or services provided by the companies or individuals that Chase connects you with, but having a number to call to get these referrals undoubtedly provides peace of mind.

        铁锤坦克Like the roadside dispatch benefit, we value access to travel and emergency assistance services at $25.铁锤坦克

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        The Ink Business Cash card offers usually offers a sizable welcome bonus to new cardholders. In short, this is a lump-sum of cash-back that’s awarded after a new cardholder spends a certain amount of money on the card within a set amount of time from opening the card.

        Here’s a look at the card’s current welcome bonus:

        While the card’s welcome bonus fluctuates from time to time, it’s rare for the bonus to go under $500.铁锤坦克 If you transfer this $500 in cash-back to a Sapphire or an Ink Business Preferred card, it will turn into 50,000 Ultimate Rewards points.铁锤坦克 We value these points at 1.95 cents per point, meaning that a $500 welcome bonus could be worth as much as $975 if you have another Ultimate Rewards card.

        铁锤坦克We’ll value this benefit at $500+ for the purpose of this article铁锤坦克. And while that’s certainly nothing to scoff at, we recommend turning the cash-back earned with this card into Ultimate Rewards points if you can. As discussed earlier, doing this will give you much?more as you can transfer points to travel partners.

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        Clean Office With People Working on Computers
        Protect your business’ purchases with the Ink Business Cash card’s purchase protection benefits. Image Credit: Austin Distel via Unsplash

        Now that you know the points and travel benefits, let’s take a look at the Ink Business Cash card’s purchase protection benefits. These benefits provide financial assistance if you break, lose, or otherwise incur damage to equipment purchases. This provides peace of mind and can save you thousands of dollars depending on what your business purchases to get the job done.

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        You’ll never need to purchase extended warranty again when you have an Ink Business Cash card.

        This is because all purchases made with your card receive an additional year of warranty on top of the product’s standard warranty. The warranty is backed by Chase, and you can open a warranty claim by simply calling the number on the back of your credit card.

        Nearly all purchases are eligible for this extended warranty, but there are a few things to keep in mind. The first is that the product’s original warranty must be 3 years or less — products with longer standard warranties aren’t eligible. Further, items purchased for resale, medical equipment, software, and used/pre-owned items are also not eligible for extended warranty protection from Chase.

        This benefit covers up to $10,000 per warranty claim with up to $50,000 in claims per account. Plus, your Ink Business Cash card must be open and in good standing in order to claim this benefit.

        This benefit can save you some serious money, especially if you need to fix things like cameras, high-end computers, or construction equipment. 铁锤坦克With that in mind, we value this benefit at $200, but it can be worth much more if you max out the $50,000 in claims.铁锤坦克

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        All purchases you make with your Ink Business Cash card are protected from damage and theft for the first 120 days of ownership. So if you buy a new laptop for an employee and the screen cracks a month after purchase, Chase will reimburse you for the laptop’s repair or replacement — just call the number on the back of your card to file a claim.

        This coverage is capped at $10,000 per claim and $50,000 per card account. 铁锤坦克With that in mind, we value this benefit at $200 as you’re not likely to use it often.铁锤坦克 But when you do use it, it can save you thousands of dollars, so make sure to make all big-ticket business purchases with your Ink Business Cash card.

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        All in all, we value the card’s benefits at a total of $1,475 if you have another Chase Ultimate Rewards card to transfer the cash-back to; otherwise, we value the card at $1,125 if you don’t. Note that both of these valuations do not include the card’s hefty welcome bonus.

        With all of this in mind, we think that the Ink Business Cash card is one of the most powerful business credit cards on the market. The card’s 5% and 2% bonus earning categories let you earn thousands of dollars in additional cash-back per year, and the ability to turn cash-back to Ultimate Rewards points with other Chase cards means that you can score lots of free travel by making everyday business purchases.

        However, the card has some downsides, too. For example, the card charges a 3% foreign transaction fee. If you bought a $1,000 piece of equipment that’s charged in euros, you’d pay $1,030 with no benefit to you.

        Still not sure if the Ink Business Cash card is right for your business? Check out our complete guide to Chase Ink benefits and bonus categories?where we take a look at all 3 variants of the Chase Ink credit cards and compare their rewards earning side-by-side. Use this guide to find which Ink Business card will help your business earn the most cash-back or Ultimate Rewards points on business purchases.


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        Yes, unfortunately, the Ink Business Cash card charges a foreign transaction fee of 3%. All transactions that take place outside of the United States — whether in person or with a foreign company online — will incur an additional fee equal to 3% of the transaction.

        This includes online purchases charged in another currency. For example, if you purchased a piece of equipment and were charged in euros, you’d pay the 3% fee regardless of where the purchase physically took place or where the product is shipped from.

        There are a ton of business credit cards available without foreign transaction fees, so the Ink Business Cash card is not your best choice for foreign purchases. Consider the 铁锤坦克Ink Business Preferred card — an Ink card that doesn’t charge these fees — if you often make foreign business purchases.

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        Yes! Freelancers, “solopreneurs,” and other sole proprietors can apply for the Ink Business Cash card. In fact, this card is a great option for freelancers that spend lots on dining, office supplies, and shipping.

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        No, the Ink Business Cash card does not have a travel bonus category. Consider the 铁锤坦克Ink Business Preferred card if you make lots of business travel purchases. This card offers 3x points on all travel up to $150,000 per year (then 1 point per dollar).

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        There are 3 Ink Business cards that are currently offered by Chase:

        Each of these cards has its own list of pros and cons, so check out our Ink comparison article for a comparison of benefits, points earning, fees, and more.

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        Although Ink Business calls their rewards cash-back, rewards earned by the card are actually a form of Ultimate Rewards points.

        However, the Ultimate Rewards points earned by the Ink Business Cash card are not transferable to airline or hotel partners.

        To do this, you must pair this card with a premium Ultimate Rewards earning card — like an Ink Business Preferred card or Chase Sapphire card — and move then combine points with the premium account to transfer to Chase’s extensive list of travel partners.

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        Unfortunately, Chase doesn’t post the Ink Business Cash card’s Guide to Benefits online.

        Instead, Chase will send you a copy of the Guide to Benefits after you’re approved for the card. This guide includes a full explanation of all of the card’s features, purchase protections, and other benefits.

        Andrew Kunesh

        铁锤坦克

        Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City. He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt.

        铁锤坦克Disclaimer:铁锤坦克 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 铁锤坦克Click here to see a list of advertisers that we work with.铁锤坦克