The Chase Ink Business Cash Card is a popular choice for small business owners looking to earn cash back on their everyday business expenses. With a generous rewards program and no annual fee, it offers a great value for those who don’t have significant travel costs. In this article, we will provide an overview of the Ink Business Cash Card and its benefits, as well as tips on how to maximize your rewards.
One of the standout features of the Ink Business Cash Card is its welcome offer. Currently, the card offers a $900 cash back bonus after you spend $6,000 on purchases in the first three months. This is a great opportunity to earn a significant amount of cash back right from the start.
The rewards program of the Ink Business Cash Card is another reason why it’s a popular choice for small business owners. You’ll earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. These categories cover a wide range of business expenses, making it easy to earn cash back on your everyday purchases.
One of the unique features of the Ink Business Cash Card is the ability to transfer your cash back rewards to a card that earns Chase Ultimate Rewards points. This can significantly increase the value of your rewards, as Ultimate Rewards points can be redeemed for travel at a higher rate. For example, 90,000 Ultimate Rewards points are worth $1,845 according to TPG’s valuations.
In addition to its rewards program, the Ink Business Cash Card also offers several benefits and perks that are useful for small business owners. One of the most valuable perks is the ability to request cards for employees at no additional cost. This allows you to earn rewards on their spending and set individual spending limits for greater control.
The card also offers purchase protection and extended warranty protection, which can save your business money on eligible purchases. When you rent a car, you’ll be covered by the card’s auto rental collision damage waiver, providing primary coverage for theft and collision damage.
If you ever need legal or medical assistance while traveling, you can call the Benefits Administrator for guidance and information. The card also features zero-liability protection, meaning you won’t be held responsible for unauthorized charges made with your card.
When it comes to earning rewards, the Ink Business Cash Card offers competitive rates. You’ll earn 5% cash back on the first $25,000 you spend in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, you’ll earn 2% cash back on the first $25,000 you spend in combined purchases at gas stations and restaurants each account anniversary year. All other purchases earn 1% cash back.
The ability to redeem your cash back rewards is another important aspect to consider. With the Ink Business Cash Card, you can redeem your rewards for gift cards, travel, or cash at face value. You also have the option to transfer your cash back rewards to a card that earns Ultimate Rewards points, unlocking additional redemption options such as transferring points to travel partners or booking travel directly through the Chase portal.
Overall, the Chase Ink Business Cash Card is a solid choice for small business owners who want to earn cash back on their everyday business expenses. With its generous rewards program, no annual fee, and valuable benefits, it provides a great value for those looking to maximize their rewards. Whether you’re a frequent office supply shopper or spend a lot on internet and phone services, this card can help you earn cash back on these expenses without any additional fees.