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Ink Cash® Business Card

Ink Cash® Business Card

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 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
  • Free employee cards
  • No Annual Fee

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A
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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee


Late Fee

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Cash Advance Fee

5%, Min; $15

Balance Transfer Fee

3%, Min: $5

Saving Details

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

Note: Sample data consists of Credit Karma members who hold this card.

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!

14 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

zxpyly(2, 21)

very nice business credit card Helpful to 1 out of 1 people

I have $12,000.00 limit,wow ,when My father own the business ,aplied the business crdit card. then I'm charge the company,transfer to under my name,very easy.keep same credit limit

zxpyly's response was:    

Mar 21, 2015

brsh37(1, 7)

A new twist! Helpful to 7 out of 8 people

Just found out that if you get a statement for $8000 and you pay $7000 because you didn't have payments equal or greater to the statement balance, you have to pay interest on the entire statement balance,  not the remainder owed.  I was charged $100 interest on the remaining balance, so I called and asked what the interest rate was, they said 13.9% and then explained this game.  So basically they can charge 120% interest, but legally because its not based off the current balance, but maximum balance.  I really don't know why companies have to be so sneaky like this, they might as well base it off the weather..  Anyway after finally understanding what they are saying they refunded the interest, so no skin lost this time, but need to treat this think like an amex instead..  Hopefully this will help you avoid being charged this way!

brsh37's response was:    

Dec 06, 2014
Frustrating Helpful to 11 out of 13 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

JSD9(5, 28)

Auto pay for Phone, internet , and cable Helpful to 16 out of 19 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
The rewards are decent, but thats it... Helpful to 7 out of 9 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

See all 14 Reviews of Ink Cash® Business Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2015 through June 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.