Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
If you want a credit card that makes running your business easier instead of bogging you down with benefits that are complicated to redeem, the Ink Business Cash® Credit Card (see rates and fees) is worth a closer look.
It has no annual fee and is especially rewarding for common small business and side hustle expenses, with additional rewards on purchases such as gas, internet and office supplies.
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Chase Ink Business Cash welcome bonus
The current welcome bonus is $750 when you spend $6,000 on purchases in the first 3 months after account opening.
Keep that in mind when applying, as you'll want to ensure you'll be able to spend at least $2,000 a month on the card. Otherwise, you risk missing out on the bonus or overspending to try and meet the bonus, which you'll want to avoid.
You earn the $750 cash bonus as Ultimate Rewards® Points. This is important to understand if you have other Chase credit cards that allow transfers to travel partners, such as the Chase Sapphire Preferred® Card (see rates and fees) or the Ink Business Preferred® Credit Card (see rates and fees). You can move points between Chase credit card accounts, which means the bonus and other rewards you earn with the Ink Business Cash can be converted to flexible travel rewards. Instead of redeeming for cash back or gift cards, you could transfer your points to an airline and book a luxury flight for a fraction of the cost of paying cash.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.09% with a daily balance of $5,000,000 or below; 3.90% with a daily balance above $5,000,000
$100 to open account
2.75%
None
How to qualify for the Ink Business Cash welcome bonus
To earn the Chase Ink Business Cash Credit Card's welcome bonus, you need to get approved and spend $6,000 on purchases in the first three months after the account is opened. That's three months from the date the account is opened, not three months from when you receive the card in the mail.
Most transactions qualify as purchases and will help you earn the bonus. However, there are exceptions — fees, interest, cash advances and other cash-like transactions (lotto tickets, gambling charges, etc.) don't count as purchases and won't help you meet the $6,000 spending threshold.
You need some sort of business to qualify for a business credit card. But this could be a part-time endeavor, side hustle, freelance work or independent contractor gig. Completing a Chase business credit card application is slightly different from applying for a consumer card but it's not as complicated as it sounds. Depending on your business structure, for example, you may be able to use your Social Security number as your business tax ID.
You'll want a good to excellent credit score to increase your odds of approval. You should also abide by the unofficial Chase 5/24 rule, which says it's harder to get approved for certain Chase credit cards if you've opened five or more credit cards from any bank in the past 24 months..
Alternative business credit cards to consider
If the Ink Business Cash doesn't have what you're looking for in a business credit card, there are alternatives.
If you're looking for a business travel credit card, the Chase Ink Business Preferred® Credit Card has a reasonable $95 annual fee and earns transferable travel rewards. You'll also receive 3X points in a range of business-related categories on up to $150,000 in combined purchases each calendar year (then 1X points).
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
If you prefer to earn flat-rate cash-back rewards, The American Express Blue Business Cash® Card is a solid choice. It earns 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter and has no annual fee (see rates and fees). Plus, you can take advantage of a generous intro APR on purchases.
The American Express Blue Business Cash® Card is an ideal fit for a growing business because it offers an intro APR for purchases and a generous cash-back rate.
- Valuable intro-APR offer for purchases for 12 months
- No annual fee
- Additional cash back is capped
- It has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
- See Rates & Fees
Balance transfer fee
Refer to Terms and Conditions
Foreign transaction fee
2.7% of each transaction after conversion to US dollars.
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For rates and fees of the American Express Blue Business Cash® Card, click here.
