Ink Business Cash℠ Credit Card Review (2025.9 Update: $900 Offer)

physixfan 2025-09-11 2025-09-11

Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer.

2025.9 Update: The $900 offer comes back.HT: DoC.

2024.3 Update: The $900 offer is expired.The current offer is $750.

2023.9 Update: There’s a $900 offer link now, act fast before it dies! HT: DoC.[Update] The official offer is now also $900.

Application Link

Benefits

90k offer: earn 90,000 Ultimate Rewards (UR) points after spending $6,000 within the first 3 months of card membership.
This is the best offer on this card.
Although this card is advertised as a cash back card, it actually earns UR points.We estimate that Ultimate Rewards (UR) points are worth about 1.6 cents/point, see below for a brief introduction.So the 75k sign-up bonus could be worth about $1,200.
Earn 5x UR per $1 spent on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. If you have a business that can max out these categories, that’s 125,000 UR per year!
Earn 2x UR on gas and restaurant on the first $25,000 spent each year.Earn unlimited 1x UR per $1 spent on all other purchases.
Purchase Protection – Covers your new purchases for up to 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Primary car rental insurance.
HOWEVER, unless you can prove that you are traveling on business (which you will be required to do in the case of a claim), you will be better using the primary car rental insurance on the Chase Sapphire Preferred or the Chase Sapphire Reserve.
Refer a friend: You can earn 10,000 bonus UR points for every approved account you refer, up to a maximum of 5 approved referrals (50,000 UR points) per calendar year.
No annual fee.

Disadvantages

It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to UR Points

You can earn UR points with Chase Freedom Student, Chase Freedom, Chase Freedom Unlimited (CFU), Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), Chase Ink Cash (Business), Chase Ink Unlimited (Business), Chase Ink Preferred (Business), etc.

You can move your UR points from one UR card to another at any time.

UR points never expire.You will lose the UR points on one card if you close the account, but you can prevent losing your UR points by moving the points to another UR card beforehand.

If you have Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Preferred (Business), UR points can be transferred to some hotel points.One of the best way to use UR points is to 1:1 transfer to Hyatt points.UR points can also be transferred to some airline miles.

One of the most common and best way to use UR points is to 1:1 transfer them to United Airlines (UA) miles (Star Alliance), and combine them with the UA miles earned from the UA card.Other good options are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), etc.If you use UR points in this way, the value is about 1.6 cents/point.

If you have Chase Sapphire Reserve (CSR), you can redeem your UR points for up to 2.0 cents/point towards air tickets or hotels on Chase Travel with the "Points Boost" feature; if you have Chase Sapphire Preferred (CSP) or Chase Ink Preferred (Business), the value is up to 1.5 cpp (or 1.75 cpp for premium cabin).

If you have any of the UR cards, you can redeem your UR points at a fixed rate 1 cent/point towards cash.

In summary, we estimate that UR points are worth about 1.6 cents/point.

For more information about UR points, see Maximize the Credit Card Points Values (overview), and Introduction to UR: How to Earn and Introduction to UR: How to Use (very detailed).

Recommended Application Time

[5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is.The number of new accounts includes all credit card accounts, not only Chase accounts.
See this post for details about how to possibly bypass this rule.
You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months.Note that what this 24-month clock starts from when you last got the sign-up bonus, not the time you open the account or close the account.[Correction] There is no such rule for Chase Ink series!
Don’t apply for more than 1 Chase business credit cards within 30 days, it’s highly likely that you will get rejected.
We recommend that you apply for this card after you have had a credit history for more than a year.

Summary

The sign-up bonus is really nice considering it is just a no fee card.Also it is a good card to earn 5x UR.

Related Credit Cards

After Applying

Call 800-453-9719 to check Chase business cards application status.

This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.

Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805.It’s pretty hard to recon Chase business cards.Be prepared to be asked about a lot of details of how your business operates.

Historical Offers Chart

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.