Chase Inc. Cash Business Card: 2024 Review

of Ink Business Cash® Credit Card is a great business credit card that offers cash back, but it can be a lucrative card if your company's operating expenses include office supplies and internet, cable, and phone bills.

In these areas, you'll earn 5% cash back on up to $25,000 in combined annual spending. If you max out this bonus category each year, you'll earn $1,250 cash back per year. Gas stations and restaurants also earn 2% cash back, but this is also capped at $25,000 per year.

The low bonus category limits also make it less of a value as an everyday business credit card, and the mere 1% return on other spending makes it hardly competitive. Ink Business Cash® Credit Card To make the most of your rewards, it's best to pair it with a flat-rate cash-back card (here are some great options).

• You want to optimize your rewards by taking advantage of bonus categories.

• It spends $25,000 per year on office supplies and communication services.

• Experience managing multiple business credit cards.

• I would rather earn cash back than travel rewards.

you US Bank Business Triple Cash Rewards World Elite Mastercard® if: Ink Business Cash's bonus categories are quickly maxed out. Why? The Business Triple Cash rewards card has the same bonus categories and a lower rate, but no cap. Earn 3% cash back on eligible purchases at gas stations, office supply stores, mobile phone service providers and restaurants, and 1% cash back on all other eligible online purchases. 12 month introductory APR term and annual fee matching $1000.0.

you Wells Fargo Signify Business Cash℠ Card if: Do you like the simplicity of flat-rate rewards? With the Signify Business Card, you earn 2% back on all purchases. You wouldn't get this level of rewards on all purchases without paying an annual fee.

Sign-up bonus: You'll earn $350 after you spend $3,000 on purchases in the first three months after account opening, and an additional $400 after you spend $6,000 on purchases in the first six months after account opening.

• 5% cash back on up to $25,000 in annual spending at office supply stores, cable TV, Internet and phone services.

• 2% cash back on up to $25,000 in annual spending at gas stations and restaurants.

• 1% cashback on all other spending.

interest rate: 0% introductory APR for 12 months on purchase, then 18.49% – 24.49% variable continuing APR..

Foreign Transaction Fee: 3%.

of Ink Business Cash® Credit CardThe 5% category is valuable and in line with typical small business spending. It's especially useful for small spenders who won't exceed the $25,000 annual rewards limit in the middle of the first quarter. Spending up to the limit will earn you $1,250 in cash back per year.

Double cash back at gas stations and restaurants (2% instead of 1%) isn't anything special these days, but it's a nice return if you don't want to mess around with other credit cards to get higher points. Employee credit card It's free to use, so you can even get rewarded for your staff's expenses while they're on the road.

Even if you are faced with big expenses Ink Business Cash® Credit CardIn addition to the bonus categories, this card comes with two other features that make it worth purchasing: an introductory 0% APR period and a noteworthy sign-up bonus.

Card 0% Introductory APR Offer It's a great option for financing start-up costs or big purchases, and if you're planning on making a big expense anyway, this sign-up bonus is an easy way to earn it. You'll earn $350 after you spend $3,000 on purchases in the first three months after account opening, and an additional $400 after you spend $6,000 on purchases in the first six months after account opening. This is because the annual fee is $0.

If you have a business or personal card from the issuer, it pays to keep your cards in the Chase family, as you can combine rewards earned on different cards and increase the redemption value of your cards in the process.

One popular strategy is to use Ink Business Cash for big-ticket spending categories — in this case, getting 5% or 2% cash back on office supplies, phone bills, restaurants, and gas — and use a separate Chase business card for everything else.

of Ink Business Unlimited® Credit Card Ink Business Cash is a great complementary product to Ink Business Cash. 1.5% Cash back on everything with no rewards cap. An extra 0.5 percentage points will be credited towards all other purchases.

Looking for travel rewards? Ink Business Cash Ink Business Preferred® Credit Cardallows you to earn 3x points on bonus categories (travel, delivery purchases, communications, and ad purchases on social media sites and search engines).

Chase Ultimate Rewards® points are typically worth about 1 cent per point. Ink Business Preferred® Credit Card When you book travel using points with Chase, their value rises to 1.25 cents. Ink Business Cash® Credit Card To Ink Business Preferred® Credit Card To get a higher reimbursement rate.

Similarly, two Chase consumer cards: Chase Sapphire Preferred® Card And that Chase Sapphire Reserve® — When you redeem for travel through Chase, you get 1.25 cents and 1.5 cents in points, respectively, which means that if you use these cards for personal spending, you can combine those points with the points you earn on travel. Ink Business Cash® Credit Card Make the most of your travel rewards.

You earn higher points (3%) in the same categories (office supplies, communications, gas, restaurants), but there's no cap on how much you can earn in these bonus categories. So if you spend $75,000 a year in these four categories, you'll get $2,250 cash back each year. With Ink Business Cash, you can get up to $2,000 cash back.

If your business has relatively small expenses on office supplies and cable/internet/phone service, you're missing the main reason to use this card long term — consider other cards instead. Cashback business card Simpler benefits and no annual fee.

of Wells Fargo Signify Business CardFor example, offers unlimited 2% cash back on every purchase, no annual fee, long APR terms and a competitive welcome offer: Earn a $500 cash rewards bonus after you spend $5,000 on purchases in the first three months.

of Ink Business Cash® Credit Card Included 3% foreign transaction fee, so don't use it for international purchases (such as buying from international vendors or using your card overseas).

Your main business expenses are Ink Business Cash® Credit CardIn the business bonus category, it makes sense to get one. Ink Business Cash® Credit Card You'll also receive other perks, including a fantastic welcome offer and a long introductory APR period.

However, smart business owners will pair this card with a higher rewards card and everyday spending. If you don't mind the hassle of carrying multiple business cards and don't spend a lot on stationery and communications, which have the highest rewards rates, a flat-rate cash-back card is a better choice.