chase ink cash

The Chase Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card credit card gets a bit less discussion than its sister cards, the Ink Business Preferred® Credit Card and the Ink Business Unlimited® Credit Card.

The Chase Ink Business Preferred has the biggest bonus (currently 100,000 Ultimate Rewards points when you spend $8,000 within 3 months) as well as included cell phone insurance and the Chase Ink Business Unlimited is the “easiest” Ink card, earning a flat 1.5x Ultimate Rewards on everything made for your business uncapped.

Specifically, the Chase Ink Business Unlimited and Chase Ink Business Cash both earn points worth a penny each, but if you also hold a Chase Ink Business Preferred, Chase Sapphire Reserve® or a Chase Sapphire Preferred® Card then they become normal transferable points (when you combine them to your other account).

The Chase Ink Business Cash®  is a hidden gem.

If you have a Chase Sapphire Reserve, which allows you to spend in the travel portal at a value of 1.5 cents per point, you can freely transfer points from the Ink Unlimited and Ink Cash there. The other two cards would be worth 1.25 cents each in the travel portal – or, preferably, utilize the Chase Ultimate Rewards transfer partners.

What Makes the Chase Ink Business Cash® Credit Card So Valuable?

Chase Ink Business Cash Credit Card

Not only does it not have any annual fees, but it earns 5x points on your first $25,000 each account anniversary year in office supplies.

Office Supply stores like Staples and Office Depot are generally chock full of gift cards for almost any store or chain you may shop at.

My favorite shopping hack is to use my Ink Cash card to buy Amazon Gift Cards and load those to my account for future use (for all except electronics, which I’ll still use a credit card with purchase protection).

Of course, any other business supplies you need at office supply stores and on internet, cable and phone services each year – which all earn the 5x points – are great too.

You’ll also earn get 2x Ultimate Rewards points on the first $25,000 spent (combined) at gas stations and restaurants each account anniversary year.

The Math

If you have a Chase Sapphire Reserve to transfer your points to, buying gift cards works out as follows:

Purchase up to $25,000 a year of gift cards and earn 5x Ultimate Rewards on them. Transfer to your linked Chase Sapphire Reserve card. Redeem for 1.5x per point in the travel portal (5x X 1.5x = 7.5% yield) or get even higher yields when you strategically transfer to Chase Ultimate Rewards travel partners like Hyatt.

If you don’t have a Chase Sapphire Reserve but you do have a Chase Sapphire Preferred or Chase Ink Business Preferred, those will get you 1.25 cents in the travel portal for a minimum cash back yield of 6.25%.

Those gas and dining purchases will then also yield a minimum of 3% with a linked Reserve or 2.5% with a linked Preferred.

Also see:

Do You Need a Conventional Business to Apply?

You may be surprised. Of course, if you have a conventional small business you are eligible for his card. But any sort of side business / side hustle also makes you eligible. If you’re not sure, read this post about qualifying for a business credit card for more information.

Learn how to apply for the Chase Ink Business Cash credit card.


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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.


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