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Chase Ink Business Cash

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SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

6 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 15.49% - 21.49%
(Verified 08/16/2022)
Balance Transfer APR  (Variable APR) 15.49% - 21.49%
(Verified 08/16/2022)
Credit Score Range 670 - 850
Annual Fee $0
Number of Reviews 6

Chase Ink Business Cash Review

Key Takeaways

  • Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of up to $500 if you spend $3000.
  • Competitive APRs. Chase Ink Business Cash has a variable purchase APR that ranges from 15.49% up to 21.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Chase Ink Business Cash charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Gas rewards. 2% cashback on eligible gas purchases.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Chase Ink business Cash

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 15.49% up to 21.49%.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on their purchases.
  • Chase Ink Business Cash reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.

Chase Ink business Cash FAQ

Who is Chase Ink business Cash designed for?

This is a credit card issued by Chase Bank.

This business card is designed for small business owners with good credit. The minimum credit score to apply is 670.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 15.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 21.49%.

It also has a variable cash advance APR of 27.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

Chase Ink business Cash Rates & Terms
Purchase APR 15.49% - 21.49%
Balance Transfer APR 15.49% - 21.49%
Cash Advance APR 27.24%
Penalty APR 29.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $40.
  • A returned payment fee of up to $40.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Chase Ink business Cash Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does it offer a cash back or rewards program?

Yes, Chase Ink business Cash offers a rewards program to its customers. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $500 after you spend $3000.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (877) 242-7372.

What is the support contact email?

The support contact email for this business credit card is customerdepartament@chase.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Chase Ink Business Cash report your account activity to credit bureaus?

Yes, Chase Ink Business Cash reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Chase Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Chase Ink business Cash

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening. 5% cash back, Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. 2% cash back, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases–with no limit to the amount you can earn. Employee cards at no additional cost. Employee cards let you set individual spending limits and help you earn rewards even faster. Redeem for Cash Back rewards, Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Monitor and protect your business, Stay on top of your business with Fraud Protection, Purchase Protection, personalized Account Alerts.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

Icon for Business Credit Cards
View all business credit cards offered by Chase Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $15
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $40
Minimum Cash Advance Fee ($) Starting at $15
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Returned Payment Fee Up to $40
Customer Type Business
Minimum Age 18
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Assistance
All Other Purchases 1% cash back on all other purchases.
Bonus Rewards $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
No Reward Expiration Period
Rewards Categories
  • 5% Cash Back on Internet / Cable / Phone Services up to $25000 annually
  • 2% Cash Back on Gas up to $25000 annually
  • 5% Cash Back on Office Supplies up to $25000 annually
  • 2% Cash Back on Restaurants up to $25000 annually
  • 1% Cash Back on Every Purchase
Signup Bonus Starting at $500
APR Type Variable APR
Balance Computation Daily balance method (including new transactions).
Cash Advance APR (Variable APR) 27.24%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 15.49% - 21.49%
(Verified 08/16/2022)
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 15.49% - 21.49%
(Verified 08/16/2022)
Card Network Visa
Card Type
  • Rewards
  • Cashback
  • Gas
  • Bonus Offers
  • Zero Percent

Chase Ink Business Cash Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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