The Chase Ink Cash Business Card is a highly rewarding business card with no annual fee. It boasts some great cash back bonus earning categories, which are frequent expenses for most businesses. The main drawback are the bonus category earning limits at $25,000 in spend for 5% cash back categories, and $25,000 in spend for 2% bonus categories.
Right now you can get $200 in bonus cash back after spending $3,000 in the first month by apply for the Chase Ink Cash Card.
Chase Ink Cash Bonus Categories
| Purchase Category | Cash Back |
|---|---|
| Office Supply Stores | 5% |
| Cell Phone Bills | 5% |
| Landline Telephone Bills | 5% |
| Internet Bills | 5% |
| Cable TV Bills | 5% |
| Gas Stations | 2% |
| Restaurants | 2% |
| Airfare Booked Through Ultimate Rewards | 2% |
| Hotels Booked Through Ultimate Rewards | 2% |
| All Other Purchases | 1% |
Cash Back Bonus for airfare and hotel bookings
A little known benefit of the Chase Ink Cash Business Card is that you earn an extra point for booking airfare and hotels through Chase Ultimate Rewards. Although you may be able to find a hotel booking cheaper on either the hotel chain website, or through Expedia, Priceline, Hotwire, or Orbitz, the airfare is often the same whether you book through an Online Travel Agency, or here on the Ultimate Rewards website, so this could be a great way to earn additional cash back on this card.
Chase Ink Cash Bonus Category Limits
The main drawback of the Ink Cash Card is the fact that you are limited to earning 100,000 in bonus points per calendar year in each bonus category. To clarify, this bonus is limited to the following:
Chase Ink Bonus Earning and Spending Limits
| Purchase Category | Spending Limit | Point Earning Limit |
|---|---|---|
| 5% Cash Back Categories | $25,000 | 100,000 |
| 2% Cash Back Categories | $25,000 | 25,000 |
| 1% Cash Back Categories | No Limit | No Limit |
If your business plans to spend more than $25,000 in the 5% cash back bonus categories, it may be advisable to apply for the Chase Ink Bold or Ink Plus card instead. Unfortunately both cards come with a steep $95/year annual fee, which is a big turn off for some.
Bottom Line
The Chase Ink Cash Card is a no-brainer card to get for small business owners, or individuals who are running a small business. The card comes with very generous bonus earning categories, and no annual fee. The card does limit the number of points, or cash back you can earn per year, but this likely may not matter for many people who do not spend more than $2,000 per month at office stores, mobile phone, internet and cable TV expenses.