Ink Business Cash℠ Credit Card Review (2024.3 Update: 75k Offer)

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Ink Business Cash℠ Credit Card‎ Review

2024.3 Update: The 90k offer is expired. The current offer is 75k.

2023.9 Update: There’s a 90k link now, act fast before it dies! HT: DoC. [Update] The official offer is now also 90k.

2022.10 Update: The offer is now 90k, and it is the best ever offer on this card.

Application Link


  1. 75k offer: earn 75,000 Ultimate Rewards (UR) points after spending $6,000 within the first 3 months of card membership. The recent best offer is 90k.
  2. Although this card is advertised as a cash back card, it actually earns UR points. We estimate that Ultimate Rewards (UR) points are worth about 1.6 cents/point, see below for a brief introduction. So the 75k sign-up bonus could be worth about $1,200.
  3. Earn 5x UR per $1 spent on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. If you have a business that can max out these categories, that’s 125,000 UR per year!
  4. Earn 2x UR on gas and restaurant on the first $25,000 spent each year. Earn unlimited 1x UR per $1 spent on all other purchases.
  5. Purchase Protection – Covers your new purchases for up to 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  6. Primary car rental insurance. HOWEVER, unless you can prove that you are traveling on business (which you will be required to do in the case of a claim), you will be better using the primary car rental insurance on the Chase Sapphire Preferred or the Chase Sapphire Reserve.
  7. [Limited Time] Earn 5x UR points on Lyft, until March 2025. Here is the official link for this promotion.
  8. Refer a friend: You can earn 10,000 bonus UR points for every approved account you refer, up to a maximum of 5 approved referrals (50,000 UR points) per calendar year.
  9. No annual fee.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to UR Points

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what this 24-month clock starts from when you last got the sign-up bonus, not the time you open the account or close the account. [Correction] There is no such rule for Chase Ink series!
  3. Don’t apply for more than 1 Chase business credit cards within 30 days, it’s highly likely that you will get rejected.
  4. We recommend that you apply for this card after you have had a credit history for more than a year.


The sign-up bonus is really nice considering it is just a no fee card. Also it is a good card to earn 5x UR.

Related Credit Cards

After Applying

  • Call 800-453-9719 to check Chase business cards application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. It’s pretty hard to recon Chase business cards. Be prepared to be asked about a lot of details of how your business operates.

Historical Offers Chart

Application Link

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