Business Cash Card: A Comprehensive Guide to Benefits and More

A business cash card is a type of prepaid card that allows businesses to manage their expenses and track their spending more efficiently.

With a business cash card, you can set spending limits and controls to prevent overspending and unauthorized transactions.

Businesses can also benefit from real-time transaction tracking and alerts, which help identify potential issues quickly.

This feature can be especially useful for small business owners who need to keep a close eye on their finances.

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The Ink Business Cash Credit Card and Ink Business Unlimited Credit Card offer some amazing benefits that can help your business save money and stay protected.

You'll get access to 0% APR for 12 months from account opening, which can give you some breathing room to pay off purchases without interest.

The variable APR that applies after the intro period is 17.49% - 25.49% for the Ink Business Cash and 17.49% - 23.49% for the Ink Business Unlimited.

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Both cards also come with a range of insurance perks, including rental car collision coverage, travel and emergency assistance services, roadside dispatch, purchase protection, and extended warranty protection.

Here are the insurance benefits you can expect with either card:

Adding employee cards to your account is also free, which can make it easier to manage expenses and keep track of who's spending what.

With a business cash card, you can rest assured that you're protected against any unauthorized transactions. This protection is known as zero liability protection, which means you won't be held responsible for any fraudulent charges on your card.

This protection is a huge relief, especially if you're using your card for online transactions or traveling abroad. You can use your card with confidence, knowing that you're not liable for any unauthorized charges.

Zero liability protection is a standard feature of many business cash cards, so be sure to look for it when choosing a card for your business. It's a valuable perk that can save you a lot of stress and hassle in the long run.

In the event of a dispute, you can rely on the card issuer to investigate and resolve the issue quickly. This can help minimize any disruption to your business and get you back to work as soon as possible.

If you need assistance while traveling, you can contact your card's Benefit Administrator for help with legal and medical referrals, among other issues. This is especially useful if you're traveling internationally.

The Chase Ink Preferred earns travel rewards, making it a great option for business owners who frequently travel. You can earn points that can be redeemed for 1.25 cents each toward a travel purchase through the Chase Travel Portal.

With the Chase Ink Preferred, you can also transfer points to Chase Ultimate Rewards airline and hotel partners, which can offer outsized value. This means you can redeem your points for more than just travel purchases.

Here are the benefits of the Chase Ink Preferred:

The Chase Ink Cash & Unlimited also offer cash back or travel rewards, but with a twist. You can earn points that can be redeemed for travel purchases at a higher value if you have a companion card like the Chase Sapphire Preferred or Chase Sapphire Reserve.

If you have the Ink Business Cash or Unlimited card in conjunction with one of these cards, you can redeem your points for 1.25 or 1.5 cents each toward a travel purchase through the Chase Travel Portal.

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Traveling can be unpredictable, and things don't always go as planned. If you need help while abroad, you can contact your credit card's Benefit Administrator for assistance with medical referrals.

Having a trusted contact can be a lifesaver in a foreign country. Your Benefit Administrator can provide you with legal and medical referrals, helping you navigate unfamiliar situations.

It's always a good idea to have a plan in place for emergencies. Contacting your Benefit Administrator can help you get the help you need quickly and efficiently.

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The Ink Business Preferred Credit Card is a travel rewards card that earns Ultimate Rewards points, which can be redeemed for 1.25 cents each toward a travel purchase through the Chase Travel Portal.

You can also transfer points to Chase Ultimate Rewards airline & hotel partners, offering outsized value. Points can be converted into cash back, but this isn't the most optimal way to redeem, as you can get at least 1.25 cents per point toward travel purchases.

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To maximize your rewards, consider pairing the Ink Business Preferred Credit Card with the Chase Sapphire Reserve Card, which allows you to pool points and redeem them at the rate of 1.5 cents per point.

Here are the redemption rates for points earned on the Ink Business Preferred Credit Card:

With the Ink Business Preferred Credit Card, you can earn 90,000 bonus points after spending $8,000 on purchases in the first 3 months, worth $900 cash back or $1,125 toward travel.

The Ink Business Cash and Ink Business Unlimited cards both offer cash back rewards, but each card excels in different spending categories.

The Ink Business Cash card earns a generous welcome bonus, with new cardholders earning up to $750 in bonus cash back, including $350 for spending $3,000 in the first three months and another $400 when spending $6,000 total in the first six months.

To earn the welcome bonus on the Ink Business Cash card, cardholders must spend $6,000 on purchases in the first six months, with the option to earn $350 for spending $3,000 in the first three months and another $400 when spending $6,000 total in the first six months.

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The Ink Business Unlimited card offers a similar welcome bonus, with new cardholders earning $750 in bonus cash back after spending $6,000 on purchases in the first three months from account opening.

The rewards on the Ink Business Cash and Ink Business Unlimited cards can be redeemed for cash back, gift cards, travel through Chase Ultimate Rewards, and more, with a maximum value of one cent per point.

Here are the rewards categories for the Ink Business Cash and Ink Business Unlimited cards:

The welcome bonus is a great way to get started with your new credit card. You can earn up to $750 in bonus cash back with the Ink Business Cash credit card.

To earn the bonus, you'll need to spend a total of $6,000 on purchases in the first six months. This can be broken down into two smaller spending requirements: $3,000 in the first three months and an additional $3,000 in the next three months.

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Here's a breakdown of the bonus structure:

This welcome bonus is a great incentive to increase your spending on business expenses, especially if you can average at least $2,000 per month.

Flexible redemption options are a key feature of rewards credit cards, and the Ink Business Cash Card is no exception. You can redeem your rewards as cash back, but you also have other options.

You can redeem your rewards for gift cards, which is a great option if you have specific stores or restaurants you frequent. You can also use your rewards to pay for travel through Chase Ultimate Rewards.

The rewards on the Ink Business Cash Card are technically awarded as Ultimate Rewards points, which means you can combine them with points earned through other Chase cards. This can make your rewards more lucrative.

You can redeem your Ultimate Rewards points for a maximum value of one cent per point. However, if you pair your Ink Business Cash Card with another Chase credit card, you can increase the value of your points.

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With the Chase Sapphire Preferred Card or Ink Business Preferred Card, you can redeem your points for 1.25 cents each toward a travel purchase. If you have the Chase Sapphire Reserve Card, you can redeem your points for 1.5 cents each toward a travel purchase.

Here are some options for redeeming your rewards points:

You can also transfer your points to one of Chase's partner travel programs at a 1:1 ratio. This can potentially get you even more value out of your points.

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The Ink Business Cash card offers a generous welcome bonus, but did you know that you can also earn additional cash back through the Chase shopping portal? This can be incredibly lucrative if you shop with participating partner stores that qualify for 2% or 5% cash back categories.

You can also take advantage of Chase Offers, a limited-time offer program for all Chase cardholders. This means you can earn extra cash back on specific purchases or categories.

To maximize your rewards, consider increasing your spending to at least $2,000 per month on average, as mentioned in the welcome bonus requirements. This will help you meet the $6,000 threshold in the first six months and earn the full $750 cash back bonus.

Here are some additional Chase perks to keep in mind:

These rewards can add up quickly, making the Ink Business Cash card an attractive option for business owners who spend $2,000 or more monthly on business expenses.

The Ink Business Cash and Ink Business Unlimited cards offer cash back rewards at good rates, but each card excels in different spending categories.

You can earn up to $750 in cash back with the Ink Business Cash card, but it requires spending $6,000 on purchases in the first six months. This bonus offer is combined with a 0 percent introductory APR on new purchases for 12 months.

The Ink Business Unlimited card also offers a $750 welcome bonus, but it requires spending $6,000 on purchases in the first three months from account opening.

To earn the welcome bonus on the Ink Business Cash card, you need to spend $3,000 in the first three months and another $3,000 in the first six months.

The Ink Business Cash card offers 5 percent cash back on up to $25,000 spent at office supply stores and on internet, phone, and cable services each account anniversary year.

You can also earn 2 percent cash back on restaurant and gas purchases (up to $25,000 each account anniversary year) with the Ink Business Cash card.

Here's a summary of the rewards offered by the Ink Business Cash and Ink Business Unlimited cards:

Keep in mind that these rewards are in addition to the welcome bonus offered by each card.