Ink Business Cash℠ Credit Card Review

Our Detailed Review of This Card

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The Ink Business Cash℠ Credit Card offers business owners a great combination of a compelling cash rewards card and a 0% intro APR card. Its strong features make it a terrific choice for both startups and established businesses.

Right off the bat, new cardholders will earn a spectacular $500 cash back bonus when they spend $3,000 on the card in the first 3 months. This is on top of the generous rewards rates of 5% cash back for office supplies, cable, Internet and telecom services (on up to $25,000 in purchases per year), 2% cash back on gas and dining (on up to $25,000 in purchases per year) and 1% cash back on all other expenditures. The $25,000 category limits for the 5% and 2% cash back are significantly higher than spending caps of other business cash back cards. And if you go over $25,000 in purchases in the higher cash back categories, you'll earn the default 1% cash back, which is still pretty good. As an added plus, the card charges no annual fee and offers free employee cards, which are a great way to earn even more rewards. You can redeem your earned rewards for cash back (of course), but also for gift cards or travel.

The Ink Business Cash℠ Credit Card also offers a 12-month 0% intro APR on purchases and balance transfers. Having a year-long zero interest period can save you some money, whether you're making standard business purchases or you're just starting your business and need to invest in merchandise and infrastructure. You can also take advantage of the 0% intro APR to transfer over balances from high-interest cards and pay no interest on your balance for a year.

Additional features include purchase protection and extended warranty protection. Purchase protection covers new purchases for 120 days against damage or theft for up to $10K per claim, while warranty protection extends the manufacturer's warranty by a year on eligible purchases. There's also a mobile app that lets you take a picture of your receipts and then tag and file them instantly.

Combining a $500 intro bonus and great cash back rewards with a 0% intro APR on purchases and balance transfers, Ink Business Cash is a top choice for a versatile and rewarding business credit card.

Redeem Rewards

  • Unlimited cash back rewards.
  • 1 point equals 1% or $0.01 cash back. For example, 5,000 points can be redeemed for a $50 check.

Fees and APR
  • Annual Fee: $0.
  • Purchase APR: 0% Intro APR on Purchases for 12 months Then 15.49% - 21.49% variable.
  • Balance Transfer APR: 0% Intro APR on Balance Transfers for 12 months, then 15.49% - 21.49% Variable.
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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