Offered by: Chase

Ink Cash® Business Card

  • Earn $200 bonus cash back after you spend $3,000 in the first 3 months from account opening
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • No annual fee
724 Average Credit Score Approved for this Card
597 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
12 Months   12 Months  









Additional Details
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

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Annual Fee


Late Fee

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Cash Advance Fee

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Balance Transfer Fee

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Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

1. Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening

Compare Holders of This Card

Ink Cash® Business Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

21 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Frustrating Helpful to 1 out of 1 people

I have a charge account with no pre-set spending limit.  Account has to be paid in full on the due date which is no problem for me...

My issue is that they say there's no pre-set spending limit.  You DO have a credit limit and they won't tell you what it is, and they change it at will. 

So even though I pay a few thousand a week on this card (we charge 10-25K per month), they will still randomly shut it down.  Not a good experience when your business is in the transportation industry and your employees are using the card to buy GAS :(

Jan 22, 2014
Auto pay for Phone, internet , and cable Helpful to 5 out of 5 people

I use this card to auto pay accounts for our small business and personal cell phone, landlines, internet and cable bills as there is a 5% cash back for these. Also the 5% cash back is great for purchases at office supply stores which also sell... gift cards.

Not sure why so many negative reviews. This card fills a niche in my spending quite nicely.

JSD9's response was:    

  Jan 30, 2013

JSD9(5, 13)

Review by JSD9

5 Contributions 13 People Helped

The rewards are decent, but thats it... Helpful to 4 out of 4 people

I have this card for my church. No annual fees, cashback rewards. We pay in full each month and are never able to see a zero balance as it doesn't differentiate between balance due and current balance which can be a bit frustrating. Online account management is somewhat complicated. After 3 years we have decided it is time for something a little more straight forward. Looking for a new card.

Jan 22, 2013
Love this card! Helpful to 3 out of 4 people

This is a business credit card so it doesn't show up on my personal credit report. I love it. The opening credit line was a measily $5k when I first got it, but after a few months they trippled it to $15k and gave me a 0% balance transfer offer! One of my favorite cards.

Nov 01, 2012
Helpful to 4 out of 6 people

If you're looking to improve your credit, business cards won't do it. They don't show up on your personal credit history. I wish I had known that before I cancelled my longest held personal credit card.

jdwicklund's response was:    

  Jul 17, 2012

jdwicklund(1, 4)

Review by jdwicklund

1 Contributions 4 People Helped

See all 21 Reviews of Ink Cash® Business Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.