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Chase Ink Business Cash Review: 5% cash back for established businesses

Chase Ink Business Cash Review: 5% cash back for established businesses


Why we like this card: If your business is profitable and you have good to excellent credit, you can use the Chase Ink Business Cash® Credit Card to earn up to 5% cash back in select categories without paying an annual fee. 

You can also take advantage of the card’s promotional 0% annual percentage rate (APR) offer for 12 months to finance the purchase of office equipment or supplies—a nice plus to help your business spend and save simultaneously.

Pros

  • Up to 5% cash back in select categories
  • Generous bonus offer
  • No annual fee

Cons

  • Requires good to excellent credit
  • Charges foreign transaction fees

Chase Ink Business Cash: Overview

APR

  • Intro: 0% introductory APR for 12 months from account opening (after that, the variable APR will be 18.49%–24.49%)
  • Purchase: 18.49%–24.49% variable
  • Balance transfer: 18.49%–24.49% variable
    • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash advance: 29.99%
    • Cash advance fee: Either $15 or 5% of the amount of each transaction, whichever is greater
  • Penalty: Up to 29.99%
  • Annual fee: $0
  • Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars
  • Late payment fee: $40
  • Returned payment fee: $40

For those with good credit, the Chase Ink Business Cash® Credit Card could be a useful credit card for business expenses. It provides up to 5% cash back on common business spending categories like internet service, and you can get additional cards for your employees at no extra charge. 

The Chase Ink Business Cash Card has some valuable added benefits despite a $0 annual fee. For example, if you have to travel for work, the card includes perks like an auto rental collision damage waiver. You can also score extended warranty protection for purchases. 

The downside? This card charges foreign transaction fees, so if you travel internationally for work, that can be an expensive drawback. Using another card without foreign transaction fees, such as the United Business Card or American Express Gold Card, may be a better choice if your travels tend to take you abroad. 

Chase Ink Business Cash: Rewards

With the Chase Ink Business Cash Card, you’ll earn 5% cash back on the first $25,000 you spend in combined purchases in select categories each year. Eligible categories include: 

  • Office supply stores
  • Internet, cable, and phone services

You’ll also earn 2% cash back on the first $25,000 spent in combined purchases…

Click Here to Read the Full Original Article at Fortune | FORTUNE…