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Is the Ink Business Cash credit card worth it?

This small-business card targets rewards on specific categories

Summary

Is the Ink Business Cash card the right choice for you? It could be – if you spend a lot at office supply stores and on your internet, cable and phone services.

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The Ink Business Cash® Credit Card from Chase comes with a solid welcome offer, charges no annual fee and features a tiered cash back program that can help business owners generate plenty of rewards dollars when they use the card.

But this doesn’t mean this card is right for every business owner. To earn the most cash back, you’ll need to spend plenty at office supply stores and on internet, cable and phone services. If these aren’t major expenses of your business, the Ink Business Cash card might not be your best choice.

Why is the Ink Business Cash card worth it?

The Ink Business Cash card can be a valuable addition to your wallet, depending on your business’ main expenses.

Targeted rewards for small businesses

Depending on your business expenses, you can earn cash back quickly with this card. You’ll earn 5% cash back on the first $25,000 you spend in a year on combined purchases at office supply stores and on internet, cable and phone services. It’s important to note each year starts on the anniversary of the date you signed up for your card.

You’ll also earn 2% cash back on the first $25,000 spent in a year at gas stations and restaurants. You’ll earn 1% cash back on all other purchases.

Lack of fees

The Ink Business Cash card is not an expensive one to own. It charges no annual fee. And you can add employee cards at no additional cost. You can set individual employee spending limits on these cards to make sure your workers don’t overspend. And you’ll earn cash back rewards on the purchases your workers make with these employee cards.

Perks

This card also provides perks that help protect your business. The Business Cash card, for instance, offers zero liability protection, meaning you won’t be held responsible for unauthorized charges made with your card or account information.

The card also comes with purchase protection, which covers your new purchases for 120 days against damage or theft up to $10,000 a claim and $50,000 an account.

You can take advantage of the card’s extended warranty protection, too. This service extends the length of a U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

And if you travel frequently, you might benefit from the Ink Business Cash card’s travel and emergency assistance services. This perk provides medical referrals or other travel and emergency assistance when you are traveling.

A solid welcome offer

The Ink Business Cash card is offering a welcome bonus of $750 cash back for cardholders who spend $7,500 on purchases within the first three months of opening their accounts.

When is the Ink Business Cash card not worth it?

While the Business Cash card is a good fit for many business owners, depending on your spending habits and how much you spend each year, it’s not the right card for everyone. There are two instances in which this card might not be the best fit for you.

You don’t spend in the right categories

If you don’t spend much at office supply stores or on your internet, cable or phone services, the Ink Business Cash card might not be the right choice. Those categories are the ones in which you’ll earn 5% cash back. If you’re not racking up purchases in these areas, your cash back rate will be far less.

The same holds true if you don’t spend much at gas stations or restaurants. These spending categories earn 2% cash back. If you don’t use your card much at these venues, you won’t generate cash back very quickly, either.

You spend too much each year

One of the drawbacks of the Ink Business Cash card is that there are limits to how much you can spend and still earn either 5% or 2% cash back on your purchases.

You’ll only earn 5% cash back on the first $25,000 of combined purchases you make in a year at office supply stores or for your internet, cable and phone services. If you go over that limit, you’ll only earn 1% cash back on these purchases until your next year of purchases begins.

That same $25,000 yearly spending limit also holds for the 2% cash back you’ll earn on purchases at gas stations and restaurants. If you spend more than that in a year, you’ll only earn 1% on these purchases until your next spending year begins.

Should you get the Ink Business Cash card?

The Ink Business Cash card might be a good fit if your small business has relatively low expenses. That’s because of the $25,000 yearly spending limits the card imposes on its 5% and 2% cash back categories.

If your business expenses generally don’t rise past this level, and if internet, phone, cable and office supplies are some of your biggest expenses, the Chase Ink Business Cash card could prove lucrative for you.

If your business expenses regularly soar past that $25,000 limit each year, then you might consider an alternative business card that gives you unlimited cash back on all purchases. An example? The Capital One Spark Cash Plus. This card provides unlimited 2% cash back on all purchases, with no yearly limits. That could make this an attractive card if your business racks up more expenses during the year. Be aware, though, that while the Ink Business Cash card does not charge an annual fee, the Spark Cash Plus card does, charging cardholders $150 a year.

Bottom line

If you’re interested in a cash back credit card that can earn you rewards quickly, the Ink Business Cash card might be a good fit for your wallet. The key is to make sure you spend enough – but not too much – in the categories that will earn you 5% or 2% cash back. If you do, the Business Cash card could provide a boost to your business’ bottom line each year.

If you spend in a wider variety of categories, then you might consider a business card that offers unlimited cash back on all purchases. If that unlimited cash back figure is 2% of all purchases, you might earn more than you would with the Ink Business Cash card, depending on how you use it (and whether it has an annual fee).

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report
Reward
16.35%
Student
17.07%
Airline
16.04%
Business
14.59%
Cash Back
16.47%

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