Chase Ink Business Cash® Credit Card Review
Disclosure: Easy Travel Points, LLC has partnered with CardRatings for our coverage of credit card products. Easy Travel Points, LLC and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. This compensation may impact how and where links appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The card_name is one of my favorite business cards to earn points for travel. It has a great bonus and earning points is straightforward and easy to do. With one key feature of this card, the points can really add up quick.
It’s no secret that I’m a big fan of earning Chase Ultimate Rewards points. So when they have a business card that comes with a large welcome bonus and no annual fee, you get my attention. Besides, if own a business, or have a side hustle, I always recommend having a business card to keep your expenses separate.
In order to open a Chase business card, you have to be under 5/24. In a nutshell, that means you can only have applied for fewer than 4 personal credit cards within the past 24 months. Otherwise, Chase will automatically decline you. If you want more information on this, read this article I wrote about Chase’s 5/24 rule.
The Welcome Bonus
New card_name cardmembers can earn a fantastic welcome bonus. bonus_miles_full This bonus is paid in 75k Chase Ultimate Rewards points. This is a fantastic bonus for a card that doesn’t have an annual fee.
If you liked that, keep reading and I’ll show you how to make these points worth even more.
Earning Points
Earning points is pretty simple with the card_name. On most purchases, you’ll earn 1 Ultimate Rewards point for every dollar spent. However, the card comes with a couple bonus categories that let you earn points faster.
You’ll earn 2x points on purchases made at gas stations and restaurants. These bonus points are limited to the first $25k in combined purchases made each anniversary year in these categories. Plus, you will earn 5x points on all purchases made at office supply stores and on internet, phone and cable services. The bonus is also limited to a combined $25k in purchases for these categories each anniversary year.
Using Your Points
The card_name is marketed as a cash back card. The cash back earned on this card is given to in the form of Ultimate Rewards points. If you only have this card, you can only redeem those points for cash.
However, one great feature of the Ultimate Rewards program is that Chase gives you the ability to combine all of your points into one account. By doing that, you can now transfer your points to one of Chase’s travel partners so you can get even more value out of them! That’s why I always recommend having one of Chase’s premium cards in your wallet.
One of my favorite Chase transfer partners is Hyatt. We have used our points to to stay at the Ventana Big Sur that typically costs over $2k per night. We’ve also used our Chase points to fly our family to Hawaii! By moving your points to a premium card, you can easily get more value out of your points.
Other Benefits
The card_name comes with a couple other benefits that I like; primary car rental insurance and extended warranty coverage.
Car Rental Insurance – By paying for your entire rental car with this card, you get primary collision damage waiver coverage. Simply decline the collision insurance when renting your car. Here’s a great article from One Mile at a Time about the CDW coverage that comes with Ink business cards.
Extended Warranty – On eligible purchases, you can extended the US manufacturer’s warranty coverage by one additional year simply by paying for the item with this card. I’ve used this coverage multiple times over the years and has saved me a lot of money.
Final Thoughts
The card_name is a fantastic card and you should really consider adding it to your wallet. With no annual fee, a large welcome bonus and great bonus earning categories, this card is one of my favorites. I typically earn the most points each year using this card.
Disclosure: Easy Travel Points, LLC has partnered with CardRatings for our coverage of credit card products. Easy Travel Points, LLC and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. This compensation may impact how and where links appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
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