Ink Business Cash® Credit Card

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Ink Business Cash® Credit Card

03/20/24 05:37 pm

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Looking for a business credit card that maximizes your cash back on every purchase? Let's take a closer look at what the Ink Business Cash® Credit Card has to offer.

Overview of Ink Business Cash® Credit Card:

The Ink Business Cash® Credit Card is designed with the small business owner in mind, blending a generous cash back program with practical benefits. Here's a snapshot:

Annual Fee: $0
Intro Bonus: Earn $350 bonus cash back after spending $3,000 in 3 months with an additional $400 cash back after spending $6,000 in 6 months.
Reward Rates: Up to 5% cash back in select categories
Intro APR: 0% on Purchases for 12 months
Regular APR: 18.49% - 24.49% Variable

Pros and Cons of Ink Business Cash® Credit Card:

Every card has its highs and lows; here's how this one stacks up.

Pros:

High Reward Rates: Up to 5% back in key business categories.
Generous Intro Bonus: Earn $350 bonus cash back after spending $3,000 in 3 months with an additional $400 cash back after spending $6,000 in 6 months.
No Annual Fee: Keep more of your earnings.
Intro APR Offer: Manage cash flow easier with 0% APR on purchases.
Employee Cards at No Extra Cost: Maximize rewards across your team.

Cons:

Bonus Category Caps: $25,000 spending cap in bonus categories.
High Regular APR: Rates can be steep after the intro period.
No Bonus on Large Purchases: Beyond bonus categories, it's a flat 1% back.
Good to Excellent Credit Required: Not for businesses with lower credit scores.

Everything Ink Business Cash® Credit Card Can Do For You:

This card isn't just about transactions; it's about leveraging every dollar spent.

Office Supply and Utility Rewards: Maximize everyday expenses like internet and phone services with 5% cash back on up to $25,000 a year.
Dining and Fuel Perks: Get 2% back on up to $25,000 per year when you dine out or refuel.
Cash Flow Flexibility: The intro APR period gives breathing room for big purchases.

Unique Benefits of Ink Business Cash® Credit Card:

Diving deeper, several features stand out for savvy business owners.

Tailored to Small Business Needs:

From high cash back rates in office supplies and utilities to dining and gas stations, this card caters specifically to common small business expenses. It’s like getting a built-in discount on your operational costs.

Seamless Rewards Management:

Managing rewards is straightforward, whether converting cash back into actual dollars, redeeming for gift cards, or planning travel through Chase Ultimate Rewards®. Plus, adding employee cards lets you centralize spending and rewards while maintaining control over limits.

Zero Liability & Expense Control:

The Ink Business Cash® Credit Card offers peace of mind with Zero Liability for unauthorized charges and allows you to set spending limits on employee cards. This ensures your business is protected while keeping expenses in check, blending security with smart budget management seamlessly.

Introductory APR for Cash Flow Ease:

Kickstarting with an introductory 0% APR on purchases for the first 12 months, the Ink Business Cash® Credit Card is a boon for businesses planning significant investments or navigating cash flow management.

This feature allows you to spread out the cost of big purchases without accruing interest over the initial year, giving your business the financial flexibility to grow and scale strategically. Whether it's upgrading equipment or stocking up on inventory, this card supports your financial planning with a grace period that's hard to beat.

Things to Look Out For:

The Ink Business Cash® Credit Card has a lot to offer, but it might not fit everyone.

Spending Caps on Bonus Categories: Ideal for small to medium spends in specific categories.
Post-Intro APR: Be wary of carrying a balance post-intro period.
Bonus Categories: If your spending isn't in these areas, you might find better value elsewhere.

Conclusion:

The Ink Business Cash® Credit Card shines for small business owners looking for a no-annual-fee card that rewards everyday business expenses. With its generous cash back rates, intro bonus, and flexible reward options, it's a solid choice for managing business spending effectively. However, businesses with larger spending might hit the cap on bonus categories.

Ready to amplify your business spending with cash back rewards? The Ink Business Cash® Credit Card might just be the tool you need.

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.

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