7 Reasons to Get the 90K Ink Business Cash

7 Reasons to Get the Ink Business Cash


Updated: The Ink Business Cash now offers 90,000 bonus points signup offer, with a lower $6000 minimum spend, so we've updated our post.

We just got approved for the Ink Business Cash, one of the best no annual fee business credit cards (the other is the AMEX Blue Business Plus). Here are five reasons to get the card

1. 90,000 Ultimate Rewards Points Bonus

We don't know of any other no annual fee cards currently offering a 90,000 points bonus; for example, the no annual fee AMEX Blue Business Plus only comes with a welcome bonus of 15,000 points.


2. No Annual Fee

Both for personal and for business credit cards, you want at least one credit card with a no annual fee, that you can keep forever. For regular automatic billing it can be a hassle changing out one's business card should you decide that the annual fee isn't worth it (see the AMEX Business Platinum, which now has a $695 annual fee).


3. Earn 5X on Internet, Cable, Cell Phone Services and Office Supply Stores

Why earn only one point per dollar when you can earn 5 points per dollar on Internet, cell phone service, and office supply store spend, and for no annual fee? There is a limit of $25,000 per year that earns the 5X bonus, which should be a sufficient limit for most small businesses.


4. Earn 2X on Restaurants and Gas Stations

Earn 2X points on spend at restaurants and gas stations, ideal for those who spend a significant amount on business meals whether while traveling or entertaining clients.


5. $6000 Minimum Spend

Even the previous minimum spend of $7500 wasn't that much spend over the course of three months, but the current offer is even better, just $6000 minimum spend to earn the 90,000 bonus points. And it's less than half the spend of the 100,000 Ink Business Preferred, which requires $15,000 spend to earn the 100K bonus.


6. Doesn't Count Towards Chase 5/24

To be eligible for the Ink Business Cash, you'll need to be under Chase 5/24 (fewer than 5 credit card applications within the past 24 months), but the card itself doesn't count towards Chase 5/24, since it's a business card and isn't reported to the credit bureaus (note that while this is true of most card issuers, it's not true of all: Capital One *does* report its business cards to credit bureaus, which is just one reason why we've never bothered with any Capital One cards).


7. Pair It With Another Chase Card to Transfer to Frequent Flyer Programs

If You Have an Ink Business Preferred, Sapphire Preferred or Sapphire Reserve card you can combine the points you earn with your Ink Cash with your other Chase card in order to transfer these Ultimate Rewards points to airline frequent flyer programs. As a rule of thumb, we recommend not redeeming Ultimate Rewards points or other frequent flyer miles or points unless you'll earn at least 2 cents per point in value; ideally the value should be higher. Even at the 2 cents per point minimum, the 90,000 bonus points are worth $1800 in value. And if you redeem them for certain business class or first class award tickets the resulting value could be much higher. We've used our Ultimate Rewards points to transfer to partners such as United MileagePlus, British Airways Executive Club, and Virgin Atlantic Flying Club to reserve tickets in SWISS Business Class, Qatar Qsuites Business Class, ANA The Suite First Class and others. On its own, similar to the Chase Freedom, Ink Business Cash points can't transfer out to travel partners.

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