Ink Business Cash® Credit Card
This card is built for businesses whose money goes to office supplies, telecom, gas and meals. The 5% and 2% tiers each apply to the first $25,000 in combined purchases per account anniversary year, worth up to $1,750 in annual category cash back at the caps. The current welcome offer is an elevated $1,000 after $8,000 in 4 months. Above the caps everything earns 1%.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Elevated $1,000 welcome offer for $8,000 in spend in 4 months
- 5% tier covering office supply stores plus internet, cable and phone services
- 2% tier at gas stations and restaurants
- 0% intro APR on purchases for 12 months
- Free employee cards that feed the same category earning
- Primary auto rental coverage up to $60,000 when renting for business
- Purchase protection for 120 days, up to $10,000 per item
- Annual fee: $0
- Purchase APR: 0% intro for 12 months, then 16.74% - 24.74% Variable
- Balance transfer APR: 16.74% - 24.74% Variable, no intro APR on transfers
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $15 or 5% of each transaction
- Foreign transaction fee: 3% of each transaction in U.S. dollars
- Late payment fee: $40
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business buys through office supply stores or pays for internet, cable and phone lines; up to $25,000 of that spend earns 5% a year.
- Your team fuels vehicles and takes clients to meals, which the 2% tier covers up to its own $25,000 cap.
- You want the same elevated $1,000 offer as the Ink Unlimited plus a 12 month 0% purchase window.
- You should skip it if your spending is spread thin across many categories. The flat 1.5% Ink Unlimited or a 2% card earns more outside the tiers.
Ink Business Cash® Credit Card Review
The Ink Business Cash is a specialist. If your business spends on office supplies, software sold through office supply channels, internet, cable and phone lines, its 5% tier is the highest fixed business rate at a $0 fee. This review covers the caps, the current elevated offer and where the card stops making sense.
How You Earn
Two capped tiers sit on a 1% base. Both caps reset each account anniversary year and apply to combined purchases in their tier.
- 5% at office supply stores and on internet, cable and phone services, first $25,000 combined per year
- 2% at gas stations and restaurants, first $25,000 combined per year
- 1% on all other purchases, unlimited
- 5% total cash back on Lyft rides through 9/30/2027
| Category | Earn rate |
|---|---|
| Office supply stores; internet, cable, phone (to $25,000/yr) | 5% |
| Gas stations and restaurants (to $25,000/yr) | 2% |
| All other purchases | 1% |
How You Redeem
Rewards accrue as Ultimate Rewards points with no minimum to redeem.
- Statement credit or direct deposit
- Gift cards from over 150 brands and travel through Chase Travel
- Cash back converts to transferable points when paired with an Ink Business Preferred or Sapphire card
Benefits and Protections
The package matches the Ink Unlimited, aimed at business purchases and vehicles.
- Purchase protection: 120 days, up to $10,000 per item
- Extended warranty on eligible warranties of three years or less
- Primary auto rental coverage up to $60,000 for business rentals
- Roadside assistance and travel and emergency assistance
- Complimentary 3 month Instacart+ membership plus $20 monthly credit through 12/31/27
Who This Card Is For
Run the math on your telecom and office supply lines first. A business spending $2,000 a month in the 5% tier collects $1,200 a year, which no flat-rate free card matches. Businesses without that concentration should hold the Unlimited instead, or both.
- Offices with recurring supply, software and telecom purchases
- Field businesses with fuel and client meal spending
- Owners pairing it with other Ink cards to cover all categories
Comparison
| Feature | Ink Business Cash® Credit Card | Blue Business Cash® Card | Capital One Spark 1.5% Cash Select |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $1,000 after $8,000 in 4 months | None shown on issuer page | $750 after $6,000 in 3 months |
| Rewards Rate | 5% office and telecom, 2% gas and dining, capped | 2% on first $50,000 per year, then 1% | 1.5% on everything |
| Intro APR | 0% for 12 months, purchases | 0% for 12 months, purchases | 0% for 9 months, purchases |
| Foreign Transaction Fee | 3% | 2.7% | None |
| Best For | Concentrated office spend | Simple capped 2% | Flat rate, no foreign fee |
Issuer Comparison
| Feature | Ink Business Cash® Credit Card | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $95 |
| Welcome Offer | $1,000 after $8,000 in 4 months | $1,000 after $8,000 in 4 months | 100,000 points after $8,000 in 3 months |
| Rewards Rate | 5% office and telecom, 2% gas and dining, capped | 1.5% on everything | 3x travel and business categories, capped |
| Key Credits | Instacart+ 3 months, $20 monthly credit | Instacart+ 3 months, $20 monthly credit | DashPass 1 year, $10 monthly promo |
| Best For | Category-heavy offices | Flat-rate simplicity | Business travel points |
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