Earn 1,000 when you spend $8,000 on purchases in the first four months after account opening.
Ink Business Cash® Credit Card
LIMITED TIME OFFER
$1,000 Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
Brendan PaulesAnyone who watches Daily Drop on YouTube knows that I love the Chase Ink business cards and actually have every single one of them in my wallet. And while we don't typically talk about cash back credit cards, the Chase Ink Business Cash really comes to life when combined with something like the Chase Ink Business Preferred since this allows you to convert all of the cash back that you earn into Chase Ultimate reward points. And considering it has no annual fee, earning 5% cash back or 5x points per dollar on major business categories like office supplies, internet, and phone services makes this a fantastic card for your small business or side hustle and one that I'll be keeping in my wallet for years to come.
Comparable Cards
Ink Business Unlimited® Credit Card
Annual Fee: $0
Welcome Offer
$1,000 Bonus Cash Back Bonus Points
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Pros & Cons
Pros
Solid earnings rates on everyday business expenses
Ability to pool points together with other Chase credit cards
Great welcome offer
Cons
3% foreign transaction fee
Rewards Summary
5% cash-back per $1 (or 5X points) on the first $25,000 spent in combined purchases each account anniversary year at office supply stores, internet, cable, and phone services
5% cash back on Lyft rides through 9/30/27
2% cash-back per $1 (or 2X points) on the first $25,000 spent in combined purchases each account anniversary year on dining and gas
1% cash-back per $1 (or 1X points) on all other purchases
Additional Benefits
- Add additional employee cards at no additional cost (and expedite earning rewards!)
- Complimentary three-month lnstacart+ membership
- As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
How to make the most of your Ink Business Cash® Credit Card
When it comes to Chase Ultimate Rewards, the best way to maximize your points is to redeem them with travel.
[.dontreco] We don’t recommend: Turning your points into cash-back [.dontreco]
While you can redeem your points for cash back or gift cards at a rate of 1 cent per point, or use Chase's Pay Yourself Back option, it simply doesn’t provide the best value.
[.sometimesreco] We sometimes recommend: Using the Chase Travel Portal [.sometimesreco]
If you hold a more premium Chase card, you can redeem your points for flights, hotel stays, and car rentals through Chase TravelSM at varying rates. While this is a decent option, it’s still not the best.
[.alwaysreco] We always recommend: Using transfer partners at a 1:1 ratio to stretch your points. [.alwaysreco]
The bottom line is — if a flight or hotel room can be bought with cash, you can use your points to book it. If pairing with a premium card, transferring your Chase points to airline and hotel partners. can yield much more value. Top picks include Hyatt, United, British Airways, IHG One Rewards, and so many more. Taking advantage of these transfer partners is one of the best ways to justify your Ink Business Cash. Chase often runs bonus promotions, giving you up to 30% more points or miles when you transfer to a partner.
But how can I actually transfer my Ultimate Rewards points?
Transferring your Chase points is a super simple process. Simply log in to your Chase account and click on “points” in the top right corner. Then, you’ll see three dots on the top of the screen. Click those and select “transfer points to partners.” From there, you’ll be able to view any bonuses and available transfer options. Let the travel commence!
Offer History
Offer Dates
Offer Details
- Current Offer since Jun 2026Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Nov 2025 through Jun 2026Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
- Sep 2025 through Nov 2025Earn $900 when you spend $6,000 on purchases in the first three months after account opening.
- Mar 2024 through Sep 2025Earn $350 after you spend $3,000 on purchases in the first three months your account is open. Plus, an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Jan 2024 through Mar 2024Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening
- Sep 2023 through Jan 2024Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening.
- Mar 2023 through Sep 2023Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening.
- Dec 2022 through Mar 2023Earn a $900 cash bonus after spending $6,000 on purchases within three months of account opening.
- Oct 2022 through Mar 2023Earn a $900 cash bonus after spending $6,000 on purchases within three months of account opening.
- Nov 2020 through Oct 2022Earn a $750 cash bonus after spending $7,500 on purchases within three months of account opening.
Who Should Get The Ink Business Cash® Credit Card?
- The Small Business Owner
The Ink Business Cash is perfect for people who own small businesses and want to earn some extra cashback on everyday purchases. Imagine getting paid back every time you stock up on office supplies, pay your internet bill, or even grab lunch for the team—this card’s got your back with cashback on the stuff you already buy. The cherry on top? This card has no annual fee and a solid welcome offer, giving you a solid boost. It’s the kind of card that makes you feel like you’ve cracked the code to smarter spending.
- The Chase Enthusiast
Adding the Ink Business Cash card to your wallet is a smart move, especially if you already have another Chase card like the Chase Sapphire Preferred® Card. Why? Because it lets you double-dip on rewards. The Ink Business Cash offers solid cash back on categories like office supplies and utilities, which you can combine with the points you earn on your Sapphire Preferred. Since both cards earn Ultimate Rewards points, you can pool them together for even bigger travel redemptions through Chase’s portal or transfer partners. Pairing multiple Chase cards is a super-duper way to rack up tons of extra Ultimate Rewards points, and the Ink Business Cash is a great place to start.
Who Should Not Get The Ink Business Cash® Credit Card?
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending.
If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Ink Business Cash, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
Recommended Credit
The recommended credit score for the Ink Business Cash is good to excellent. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the coveted Ink Business Cash.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Frequently Asked Questions (FAQs)
What is the 5/24 rule for Chase?
The 5/24 rule for Chase means that if you've opened 5 or more credit cards from any issuer in the past 24 months, you’re unlikely to be approved for most Chase credit cards, including the Ink Business Cash card.
How much is the cash advance fee for the Ink Business Cash?
The cash advance fee for the Chase Ink Business Cash card is either $15 or 5% of the amount of each transaction, whichever is greater.
Is Chase Ink Business Cash hard to get?
The Chase Ink Business Cash card can be tough to obtain if you don’t have a solid credit score and a well-established business, but it’s more accessible for those who meet these criteria.
How often does Chase Ink increase credit limit?
Chase may increase your credit limit automatically, typically every 6 to 12 months, based on your credit history and usage, though you can also request an increase.
What is the 48-month rule for Chase Ink Business Cash?
The 48-month rule for Chase Ink Business Cash is a restriction that prevents you from earning the welcome offer if you've received one on the same card in the past 48 months.
Our Experts
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.