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The Chase Ink Business Cash Credit Card

The Chase Ink Business Cash credit card gets a bit less discussion than its sister cards, the Chase Ink Business Preferred and the Chase Ink Business Unlimited. The Chase Ink Business Preferred has the biggest bonus (currently 80,000 points when you spend $5,000 in 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 uncapped with a $500 (convertible to 50,000 Ultimate Rewards points) bonus when you spend $3,000 in 3 months.

But the Chase Ink Business Cash  is a hidden gem.

It also offers a $500 (convertible to 50,000 Ultimate Rewards points) bonus when you spend $3,000 in 3 months and the points earned, like the others, can be freely moved to your other Chase Ultimate rewards cards. 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.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

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

Chase Ink Business Cash Credit CardNot 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 are generally chock full of gift cards for almost any 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 Amazon.com account for future use (for all except electronics, which I’ll still use an American Express card for their amazing 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

As long as 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.

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 more abut the Chase Ink Business Cash credit card.

yottaWhat is Yotta Savings?: The Yotta Savigs account is a really fun way to earn interest at a higher rate than Marcus while having some fun each night when the Yotta prize ball drops. Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. Plus, it's fun! | Read my review of Yotta.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


  1. […] The Ink Cash will give you 5x points on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on Internet, cable, and phone services.  So if you spend heavily on any of those categories, you probably want the Ink Cash. And then all of those expenses (except cell phone bills if you also have the Ink Preferred since that card offers free cell phone insurance) would go on this card. We’d also use the Ink Cash for gas and dining for 2x (up to $50,000). Also see: Using the Chase Ink Business Cash credit card for 7.5% or more off of just about anything. […]


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