Best San Diego Restaurants for Chase Sapphire Reserve® Credit in July 2026
NCnextcard team
Why you should get the Ink Business Cash® Credit Card June 2026
NC
nextcard teamPublished Sep 2, 2025Updated Jun 15, 2026
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
Looking to turn your everyday small business purchases into your next business trip? The Ink Business Cash® Credit Card makes it easy, offering bonus rewards in common business categories and the potential to turn cash back into valuable travel points.
It's one of my favorite business cards for good reasoning, with some useful spend categories that you can't really find elsewhere. I have it alongside an Ink Business Unlimited® Credit Card to optimize my spending in different earning categories.
This card currently has a limited-time welcome bonus: Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.
This is the best public offer this card has ever had. The Ink Cash has historically offered around $750 for the welcome bonus (after qualifying activities), so $1,000 is a big jump. And for a card with no annual fee, that's pretty rare.
Unknown block type "creditCard", specify a component for it in the `components.types` option
Technically the cash back you accumulate with the Ink Business Cash® Credit Card is earned as points. 1% cash back can also be referred to as 1x points.
If you want to truly maximize the value of your cash back/points, you need to have a qualifying transferable points credit card. Having the Ink Cash alone does not mean you will be able to transfer points to airlines or hotels. You need to have at least one of the following credit cards:
*Not to complicate things, but for Sapphire Preferred cardmembers, this 4:3 transfer ratio is effective immediately for new cardmembers who apply on or after June 15, 2026, and effective October 1, 2026, for cardmembers who applied prior to June 15, 2026. For Ink Business Preferred cardmembers, this 4:3 Hyatt ratio is effective October 1, 2026, for existing cardmembers and for new cardmembers who apply on or after October 1, 2026.
With one of these cards, you can convert your $1,000 welcome bonus cash back into 100,000 Chase points. There are several things you can do with 100,000 Chase points, including flying the world in business class if you transfer your Chase points to Chase's travel partners.
These travel partners also include hotels, allowing you to stay at a wide variety of destinations across the world. The options can be limitless.
As a travel-rewards credit card, the Ink Business Cash® Credit Card offers an extremely competitive earn rate for office supply spending to go toward your business travels. Here’s how the earn rate breaks down:
This structure allows you to buy all your office needs while earning an excellent earn rate at 5 points per $1 spent. The Ink Business Cash® Credit Card also doesn’t have all different types of earn rates you have to keep track of as it has simple, straightforward earn rates. The 2 points per $1 spent at grocery stores and restaurants can be helpful to stock the office fridge or if you go out for a company dinner.
The Ink Business Cash® Credit Card comes with no annual fee and strong earnings rates.
It's a card you can keep for a lifetime. And you can add your employees for no cost as authorized users. The points they earn spending on the card go right back to the business. For small businesses watching every dollar, this is a huge advantage.
Many competing business cards charge $95 or more per year, which means you'd need to earn that much in rewards just to break even. With the Ink Cash, every dollar you earn is pure value from day one.
One of the best features of the Ink Business Cash® Credit Card is the ability to transfer your Chase points to a wide range of partners. Chase has partnered with 14 loyalty programs (10 airlines and 4 hotels), and your points can be transferred in increments of 1,000.
This feature is best for travelers who want to get the best possible value out of their points by transferring to hotel and airline loyalty programs. Be sure to keep an eye on current transfer bonuses that can stretch your points even further. Here's a list of airline partners followed by hotel partners:
When thinking of booking a business trip with Chase points, it’s always great to have an example to visualize the points in action. So let’s use an example of one of my recent redemptions…
I found a flight with Singapore Airlines via Air Canada’s site from New York to Frankfurt. I was able to find this redemption using a third party award tool. The flight came out to 60,000 points plus a bit of fees. An amazing redemption considering that booking that same Singapore Airlines flight with cash would cost $1,500 or more.
Now let’s run through the process of booking this redemption. I went to my Chase Ink Business Cash® Credit Card and transferred the points to my personal Chase Sapphire Reserve® card. The reason I did this is because you are not able to transfer Chase points to travel partners on the Ink Business Cash® Credit Card.
At the time, Air Canada was offering a 30% transfer bonus. That meant I could transfer 47,000 Chase points to Air Canada to hit the 60,000 needed to book (I could not transfer an amount between 46,000 and 47,000 as Chase only offers transfers of increments of 1,000 points).
I then booked the Singapore Airlines business class flight flight via Air Canada from JFK to Frankfurt, Germany. Success! This is just one great example of how far your points can go.
With 100,000 points from the welcome offer, you could also book the Hyatt Regency Tokyo Bay for ~6 nights for that small business company trip. With deals like these, you can save thousands in travel for your business.
The Capital One Spark Cash Select is another no-annual-fee business card worth considering alongside the Ink Business Cash® Credit Card. It also takes a simpler approach to rewards with a flat 1.5% cash back rate on every purchase. Let's break down how the two compare.
With the Spark 1.5% Cash Select, you earn a $750 cash bonus after spending $6,000 in the first 3 months from account opening. You also earn unlimited 1.5% cash back on every purchase with no category restrictions or spending caps. On top of that, you can earn 5% cash back on hotels and rental cars booked through Capital One Business Travel.
| Feature | Ink Business Cash | Spark Cash Select |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | $1,000 cash back (limited-time) | $750 |
| Min. Spend for Bonus | $8,000 in 4 months | $6,000 in 3 months |
| Top Earn Rate | 5x on office supplies, internet, cable, phone | Earn unlimited 1.5% cash back on every purchase. |
| Secondary Rate | 2x at gas stations and restaurants | Earn unlimited 1.5% cash back on every purchase. |
| Base Rate | 1x on all other purchases | Earn unlimited 1.5% cash back on every purchase. |
| Bonus Spend Cap | $25,000/year per category | N/A |
| Transfer Partners | Yes (with qualifying Chase card) | Yes (with qualifying Capital One card) |
Both cards have no annual fee, which is great for keeping business expenses low.
The Spark 1.5% Cash Select shines with its simplicity. You earn 1.5% on every purchase with no categories to track and no spending caps. That makes it a strong pick for businesses with diverse spending that doesn't fall neatly into the Ink Cash's bonus categories. The Spark’s $750 welcome bonus also has a lower spending requirement ($6,000 vs. $8,000), making it easier to hit.
However, if your business spends heavily on office supplies, internet, or phone services, the Ink Business Cash® Credit Card pulls ahead with 5x points in those categories. And the Ink Cash's limited-time $1,000 welcome bonus is $250 more than what the Spark offers. Most importantly, if you or your employees travel for business, the ability to convert Ink Cash points into Chase transfer partner currencies is a huge advantage that the Spark Cash Select simply can't match. For me, Chase points are hard to pass up. It is such an affordable and enjoyable way to travel the world.
This nextcard article covers the key differences between the Ink Business Unlimited® Credit Card and the Capital One Spark Cash Select in more detail.
The Ink Business Cash® Credit Card is best for small business owners who spend around $25,000 on office supplies and internet/phone services. It is a simple go-to card for all your business needs. If you run a home office, a small storefront, or a growing startup, the 5x earn rate on office supplies and internet/phone services can add up quickly. And if you or your employees travel, it can save you money with the generous welcome offer along with its earn rates. Pairing this card with a premium Chase card like the Chase Sapphire Reserve® or Ink Business Preferred® Credit Card lets you pool your points and get even higher redemption value through card comparison tools.
If you are looking for a card to buy all your office supplies and internet/phone service with, then the Ink Business Cash® Credit Card is the card for you! Its simple, straightforward earning categories allow you to spend more time on your business and less time worrying about how to use the card. And the best part is that all the earnings on your card can go to your next company trip. Saving you hundreds or even thousands of dollars!
Unknown block type "creditCard", specify a component for it in the `components.types` option
No, the Ink Business Cash® Credit Card has no annual fee. You can keep the card indefinitely without paying any yearly cost, and authorized users can be added at no extra charge.
You cannot transfer points directly from the Ink Business Cash alone. You need to pair it with a qualifying Chase card like the Chase Sapphire Reserve®, Sapphire Reserve for Business℠, Chase Sapphire Preferred® Card, or Ink Business Preferred® Credit Card. Once paired, you can pool your points and transfer them to Chase's 10 airline and 4 hotel partners.
Note that transfer rates may vary by card: the Sapphire Reserve cards transfer at 1:1 to all partners, while the Sapphire Preferred and Ink Business Preferred transfer to Hyatt at a 4:3 ratio (some cardholders may have 1:1 transfers, but this is true for all CSP and Ink Preferred cardholders on October 01, 2026).
You earn 5x points per dollar at office supply stores and on internet, cable, and phone services (up to $25,000 per year). You also earn 2x points per dollar at gas stations and restaurants (up to $25,000 per year). All other purchases earn 1x.
The current limited-time $1,000 cash back welcome bonus is equivalent to 100,000 Chase Ultimate Rewards points. When paired with a qualifying Chase card, those points can be transferred to airline and hotel partners for potentially much greater value, especially for business class flights.
Yes, you can add employees as authorized users at no additional cost. Any purchases they make on the card earn points that go directly to your account, helping you accumulate rewards faster.
