Who is Ink Cash Designed For?

The Ink Cash business credit card is a solid choice for small businesses that spend a lot on office purchases and appreciate the simplicity of a no-fee cash back card. It is also a smart option for small companies that spend on gas and dining and want to offer their employees a business card that doesn’t charge an annual fee.

However, if your company spends more than $25,000 on bonus categories (telecom services, office supplies, dining, and gas), look elsewhere. The cash back reward rates drop to 1% when you hit the $25k limit.

What are the Rates for Ink Cash?

There is an intro 0% APR on purchases and balance transfers for the first 12 months; after that, the purchase and balance transfer rates range from 14.24% APR to 20.24% APR depending on your creditworthiness. There is a 29.99% APR penalty fee if you’re late on payments. Careful with this one. Chase calls the penalty rate a default APR. It is triggered when you fail to make a minimum payment and may apply to your account indefinitely.

Cash advances and overdrafts have a 25.99% APR.

What Are the Fees for Ink Cash?

The Ink Cash business credit card doesn’t have an annual fee. A winning feature for businesses looking to save money. It does, however, charge a 3% foreign transactions fee and a 5% or $5 fee on balance transfers.

Ink Cash also charges a $15 or 5% cash advance fee, which is high compared to other credit cards. Late payments and returned payments come with a $39 fee.

What Is The Ink Cash Rewards Program Like?

The Ink Cash business credit card rewards program has three categories:

-       Office supplies and telecom services offer a 5% cash back

-       Restaurants and gas station purchases get 2%

-       All other purchases get 1%

The rewards rate is high for the supplies and services small businesses need. The catch is there is a $25,000 limit on the bonus categories. Companies that spend more than $25,000 on supplies, telecom services, restaurants, and gas should get another business card.

What about the Ink Cash Signup Bonus?

The signup bonus is the reason you should get this card even if it is as a secondary card. Spend $3,000 in the first three months, and you receive a $300 bonus cash back. Not bad for a card without an annual fee.

Does the Ink Cash Card Have Any Other Benefits?

Absolutely. As well as a decent signup bonus and rewards program, Ink Cash also has the following perks:

-       Employee cards at no additional cost

-       Purchase protection (up to a maximum of $50k)

-       Extended warranty protection

-       Auto rental collision damage waiver

How Is Ink Cash Better Than Other Credit Cards?

The Ink Cash business credit card combines no annual fee and packs a cash back rewards rate of up to 5%. If you are a small business that spends a lot on purchases that fall within the bonus categories, this card is an excellent choice. Although the 3% foreign transaction fee limits the use of the car abroad, it has valuable perks for domestic consumers, such as auto rental collision waiver and extended warranty protection.


  • Credit Score Range
    600 - 800
  • Minimum Age
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • No Annual Fee
  • Card Type
    • Cash Back
    • Balance Transfer
    • Rewards
  • 0% Introductory APR
  • Card Network
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Lost Luggage Insurance
  • Travel Insurance
  • Cashback
  • Rewards Categories
    • Every Purchase
    • Groceries
    • Internet / Cable / Phone
    • Office Supplies
    • Restaurants
  • Balance Computation
    Daily balance method (including new transactions)
  • Penalty APR
  • Purchases APR (variable)
    14.24% - 20.24%
  • Transfer Fee
    5% ($5 minimum)
  • Balance Transfer APR (variable)
    14.24% - 20.24%
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