Chase Ink Business Cash eliminates annual fees and offers a number of introductory benefits, including a 0 percent APR for the first 12 months and a cash back sign-up bonus. The card also provides good reward rates on business purchases.

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The Good

  • 0% Introductory APR
  • No Annual Fee
  • Sign-Up Bonus
  • Reward Rates
  • Free Employee Cards
  • Zero Liability Protection

0% Introductory APR

With the Chase Ink Business Cash card, cardholders get to take advantage of a 0 percent APR on purchases for the first 12 months after opening an account. 

No Annual Fee

The Chase Ink Business Cash card does not have an annual fee.

Sign-Up Bonus

For new Chase Ink Business Cash accounts, cardholders who spend at least $3,000 within the first three months of opening the account will receive a $500 cash back bonus.

Reward Rates

In terms of rewards, Chase Ink Business Cash cardholders can earn 5 percent cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Cardholders can earn 2 percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Cardholders can earn 1 percent cash back on all other purchases with no limits on the amount of cash back that can be earned.

Rewards do not expire for the life of the account and can be redeemed for cash back, gift cards, travel, and more.

Free Employee Cards

Chase Ink Business Cash cardholders can add employee cards to their account for no additional cost. Business owners who add employee cards to their account can set individual employee spending limits and earn rewards quicker.

Zero Liability Protection

Chase Ink Business Cash cards come with zero liability protection, which means cardholders won't be held responsible for unauthorized charges made with their card or account information.

The Bad

  • Foreign Transaction Fees
  • Late and Returned Payment Fees

Foreign Transaction Fees

For purchases made in other countries, Chase Ink Business Cash cardholders are subject to a foreign transaction fee of 3 percent of each transaction in U.S. dollars.

Late and Returned Payment Fees

If a payment is late or returned, Chase Ink Business Cash cardholders are subject to a fee of $39.

The Bottom Line

With no annual fee and solid cash back rates, the Chase Ink Business Cash card is a good option for business owners who want to earn rewards while keeping costs low. The 0 percent introductory APR and $500 cash back sign-up bonus are attractive options for the beginning of the account’s life. However, cardholders are subject to fees for foreign transactions, late payments, and returned payments.

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