Michael Anderson
Friday, May 8, 2026 at 1:21 AM EDT
Ink Business Cash® Credit Card
A strong-value business card with top-tier cash-back rates, a large bonus, and no annual fee.
- Select “Apply Now” to apply online
- $0 annual fee
- $350 bonus after $3,000 spend in 3 months; plus $400 after $6,000 spend in 6 months
- 5% cash back on office supplies and internet, cable, phone (first $25,000/year)
- 2% back on gas and dining (first $25,000/year)
- 1% back on all other purchases
- 0% intro APR on purchases for 12 months; then ~17.49%–25.49% variable APR
- Fraud protection, purchase protection, and employee cards at no extra cost
- Automatic credit line reviews every six months
Credit Card Review
The Ink Business Cash® card helps small business owners earn more in key expense areas. You can earn up to $750 cash back: $350 after spending $3,000 in the first three months, plus another $400 after spending $6,000 in the first six months. The card pays 5% cash back at office supply stores and on internet, cable, and phone services, up to $25,000 per year. You also earn 2% cash back on gas and dining, up to $25,000 per year. All other purchases earn 1% back.
A 12-month 0% intro APR on purchases provides breathing room for large early expenses. After that, the APR ranges from 17.49% to 25.49% based on your credit. Employee cards are free, helping you earn rewards faster while tracking spending. The card also offers business protections, including purchase coverage and zero liability for fraud. Automatic credit line reviews can help your account grow over time.
You can redeem rewards as cash back, statement credits, gift cards, or travel through Chase Ultimate Rewards®. When paired with a premium card like the Ink Business Preferred® or Sapphire Reserve®, your points become even more valuable. The card integrates with popular accounting software, making expense tracking easier for small businesses. Built-in alerts and digital wallet compatibility improve security and convenience. With no annual fee, it’s one of the best starter cards for small business owners who want rewards without extra costs.
- Large tiered bonus offer
- High cash back in key business categories
- No annual fee
- Intro APR helps with early purchases
- Rich business protections
- Bonus categories have annual spending caps
- Lower return on general purchases
- APR increases after intro period
How to Apply for Ink Business Cash® Credit Card
Check Eligibility
Confirm Ink Business Cash® Credit Card fits your business size and spending needs (cash flow, travel, vendor purchases, or employee cards).
Prepare Your Information
Prepare personal details plus business name, business type, revenue, years in business, and tax identification information if requested.
Apply on the Issuer Site
Use the Apply button for Ink Business Cash® Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approved credit limit, employee card options, expense tools, and reward categories before first use.
Activate and Set Up
Activate the card, connect it to accounting/expense workflows, and set controls for employees if the issuer supports them.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Ink Business Cash® Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Ink Business Cash® Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I apply for Ink Business Cash® Credit Card as a sole proprietor?+
Many business cards allow sole proprietor applications using personal information plus basic business details, but issuer requirements vary.
Will applying for Ink Business Cash® Credit Card affect my personal credit?+
Most issuers check personal credit when you apply for a business card, so a hard inquiry may appear on your personal credit report.
What details should I have ready for Ink Business Cash® Credit Card?+
Prepare business name, business type, estimated revenue, time in business, and your personal guarantor information if requested.
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