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Chase cash back categories 2017

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Chase Freedom Cash Back Calendar 2017

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Best 2017 Cash Back Credit Cards – Compare & Apply Online

Searching for the right credit card can become a bit overwhelming. We review hundreds of offers to help find the best cash back cards and offer straightforward advice to review top offers and promotions. Contributions to this section are from Steven Moore, who has been covering consumer finance and the credit card markets since 2006. You can learn more and connect at his Google+ page

Chase cash back categories 2017

Top 10 Cash Back Card Offers – July 2017

1. Discover it – Double Cash Back for the first 12 months, 1% thereafter.

2. Bank America Rewards – 1% on all purchases, additional % for grocery and gas.

3. Barclay Cash Forward – 1.5% for all purchases, no annual fee

4. Capital One Quicksilver Cash Back – 1.5% on all purchases, no annual fee.

5. AMEX Blue Cash Preferred – 1% for all purchases, additional percentage for grocery, gas, retail

6. Chase Freedom – 1% on all purchases, great signup bonus opportunity.

7. Credit One Bank – 1% on gas/groceries, ideal for those with good credit scores.

8. Preferred Cash Rewards – Exclusively for USAA Members, 1.5% cash back

9. Susan G Komen – Cancer awareness card

10. Citi Double Cash Back Card – 1% when you purchase, 1% when you payback

Get the Most from Your 2017 Cash Back Credit Card Offers

What exactly does cash back mean? Is it just some gimmick credit card companies use to lure you in? Can you really get money back on money spent? Of course you can. It’s typically referred to as investing, and this principle applies completely with cash back credit cards, particularly as we look forward to the coming year.

How Much Can You Expect Back in 2017?

The old standard for cash back rewards of one percent still lingers on many cards, but quite a few have increased it to five. If you happen to be a big spender with plastic, this is your opportunity to score. Major banks all have programs that will pay you back five percent when you spend within a certain criteria. Categories and thresholds do apply, however, if you can work the details into your budget, the cash back you earn makes for sweet reward.

What Do You Have to Do to Earn it?

Determine the pattern to your spending habits, and match them with the card that will pay you back the most. While that may sound simple, deciphering the stipulations can be a complex and frustrating experience. Look first for the total amount of money you are required to spend in order to qualify for the advertised cash back rate and then make sure you can reach it. Plan on paying your bill in full when it arrives too. Consider also where the money must be spent, such as at a gas station or restaurant. Sometimes the perks rotate, so planning your purchases is the best way to maximize the return on spending. Many credit card companies also insist that you make a special request for your cash back, while it’s on autopilot with others. Additionally, you may need to select how your redemption is applied, like whether it’s toward your balance or in the form of a gift.

How Can You Get Even More Out of the Deal?

Eliminate possible restrictions, fees and other headaches involved with dealing with unknown variables. Find out exactly what terms apply, make sure you will be able to meet them in the specified time period and prepare a budget well in advance. For example, when the terms tell you when to buy from a certain category, stock up! Don’t simply say, “Well I don’t need that now”. Be as calculated and cunning in earning your cash back rewards as the companies are in divvying them out. They are betting on consumers being forgetful about categories and stipulations that qualify them for the big bucks. Many consumers fail to keep up their end of this complicated bargain, but you can be meticulous with your finances and reap huge rewards for your diligence.

Cash back should mean just that: Money right back in your pocket. Make 2017 the year you take the bull market by the horns and maximize on all the investments you make.


Best Cash-Back Credit Cards of 2017

It’s no surprise cash back rewards are among the most popular credit card perks. Cardholders paying off balances each month can avoid interest charges to earn lucrative cash back on everyday necessities, including groceries, gas and at restaurants. What’s not to like about cold, hard cash in your pocket, right? We’ve vetted some of the most popular cash-back credit cards on the market to offer our picks for what we think are the best.

Chase cash back categories 2017

Bank of America® Cash Rewards Credit Card

Best for: Bonus cash back and $0 annual fee

Cardholders looking for a solid cash-back credit card should expect one packed with valuable features, such as Bank of America® Cash Rewards. This credit card dishes out a lucrative $150 new cardholder cash rewards bonus offer and one of the lower spending thresholds we’ve come across, requiring cardholders to spend at least $500 on purchases in the first 90 days. Tons of other perks are available as well, including bonus-category cash back of 3% on gas and 2% at grocery stores and wholesale clubs (on the first $2,500 quarterly in combined bonus category purchases), a 0% intro APR offer, and your FICO® Score for free. For these reasons, we think it’s also one of the best credit cards of 2017. Read our full Bank of America® Cash Rewards review to learn more.


The Best Cash Back Credit Cards

Latest Update November 1, 2016

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The best cash back credit cards offer at least 2% cash back on certain purchasing categories (one our favorite swings as high as 6% for groceries). Choosing the right card for you comes down to knowing your spending habits, and matching the biggest rewards to your biggest expenses.

A whopping 6% cash back on groceries, coupled with 3% back on gas and department stores, and 1% on everything else makes this card a no-brainer for anyone with mouths to feed and a car to drive.

The secret to getting the most cash out of a cash back credit card is knowing where you spend your money. Many cards offer their highest cash back percentages only for purchases in certain categories, like groceries, restaurants, or gas. And some cards offer those high cash back percentages in categories that rotate every quarter, which means you might not always be able to take advantage of them (like 5% cash back on gas when you don’t own a car).

It’s necessary to get really familiar with your spending habits before you apply for a cash back card. We recommend using a personal finance app like Mint or YNAB to track your spending by category — then you can use those learnings as a roadmap to the card that will give you the most for your money.

Chase cash back categories 2017

Blue Cash Preferred® Card from American Express Earn 6% cash back on groceries, 3% on gas and department stores, and 1% on everything else.

That card might very well be the Blue Cash Preferred® Card from American Express, which gets an unbeatable 6% back on up to $6,000 of groceries per year, 3% on gas and department stores, and 1% on everything else. Those rewards are good enough that, if your spending habits align, you can likely pay off its $95 annual fee and still have more cash back than any other card.

Some of our other top picks include the Chase Freedom®, the Discover it® Cashback Match™, and the U.S. Bank Cash+™ Visa Signature® Card, which all offer 5% cash back on categories that rotate each quarter, and 1% on everything else. These cards are great if your spending habits are varied: you may get 5% back on gas during the summer months of road trips and then 5% back on Amazon.com during holiday shopping.

If you can max out your rewards, the Discover it® Cashback Match™ is the better bet — at the end of your first year, Discover matches all the cash back you’ve earned. If you’re a smaller spender, the Chase Freedom® is a good option; it gives a nice $150 cash back even if you only spend $500 in the first three months. (It also makes the perfect second card to pair with another high-rewards card, like the Chase Sapphire Preferred® Card — but more on that later.) We like the U.S. Bank Cash+™ Visa Signature® Card if you have some consistency in your expenses: you get to choose one “everyday” category (groceries, for example) that earns an unlimited 2% back in addition to the 5% and 1% rewards already baked into the card.

How We Chose the Best Cash Back Cards

We looked at over 25 of the top cash back cards and started comparing numbers, looking at their cash back categories and ranking them by whether they offered higher, or lower, rewards percentages than their competitors.

Is a card that offers the very highest cash back percentage automatically the best? Not always. Like we mentioned, if a card’s biggest perks are in a category you don’t shop in often, you’ll miss out. And, there’s always the risk you might start justifying purchases you can’t afford just because you want to earn extra cash back.

Overall, though, yes: The cards with the highest rewards in categories that align with your spending habits are the best cards for you. These cards often cap how much cash back you can earn; if you hit your max, you’ll earn less cash back on future purchases — often just 1% cash back per dollar spent. Even so, you’ll still likely earn more than if you get a credit card with a flat cash back rate across all purchases.

Picking the right card for you is going to require some math, so we’ve put together some charts to help you understand just how much cash you might earn from each of the top cards if you max out their cash back offers. Not everybody will earn that maximum cash back, but it’s a good point of comparison as you decide which one is right for you.


Chase Ink Business Cash℠ Credit Card Review

"A New Small Business Owner’s Best Friend"

This card offers great rewards and no annual fee, as well as a 0% intro APR. Any new business owner that needs to get going will enjoy this card.

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers

Chase cash back categories 2017Chase cash back categories 2017

  • Chase cash back categories 2017Cell Phones / Landlines
  • Chase cash back categories 2017Dining
  • Chase cash back categories 2017Gas (Driving)
  • Chase cash back categories 2017Internet / Cable
  • Chase cash back categories 2017Office Supplies

1- 800-935-9935 (Available 24/7)

So you’ve taken the plunge: you’re incorporated! Now officially a small business owner, you have your business plan made and ready to execute. Now, where can you get a small business line of credit or loan to get you started?

If you don’t want to get small business loans and prefer a card with no annual fee, then the Chase Ink Business Cash℠ Credit Card is an excellent first choice.

Chase cash back categories 2017 Are you a stressed business owner? Get the financing you need to hire the help you want by using the Chase Ink Business Cash℠ Credit Card.

Sign-Up Bonus and Earning Categories

Kick off your business credit card rewards by earning bonus cash back after you spend the required amount in the allotted time from account opening (see above). This reward goes straight into your Ultimate Rewards balance.

The Chase Ink Business Cash℠ Credit Card also typically has an introductory APR, which is an excellent benefit for a new business that has not yet developed a good cash flow.

Use this to your advantage to avoid paying interest on a business loan.

To earn cash rewards, use the card on common business expenses. Earn 5% cash back 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.

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Bottom Line: The Chase Ink Business Cash℠ Credit Card earns 5% cash-back at office supply stores, on cell phones, internet and cable, and 2% at gas stations and restaurants!

Chase Ink Business Cash℠ Credit Card Benefits for Businesses

Sign up for the card under your own social security number or under your business Employee Identification Number (EIN).

This means that if you own multiple small businesses, you can sign up for multiple cards and get the sign-up bonus for each!

Chase provides free employee cards so they can make authorized purchases for your business and earn you rewards points. You’ll want to make sure they spend the card at the appropriate stores to maximize your 5% and 2% cash-back benefits.

Points earned from your card are pooled into your Chase reward program account.

You can use them for cash-back in the form of statement credit starting at 2,000 points ($20), or you can use them in the Chase rewards portal for shopping, travel, gift cards, and more.

Bottom Line: Always look for ways to maximize the value of your points, which may include getting multiple cards. The Chase Ink Business Cash℠ Credit Card can be combined with other Ultimate Rewards cards.

Additional Benefits of the Chase Ink Business Cash℠ Credit Card

If you have Chase travel cards (which will only cost $95/yr), you can pool all of your points earned under the Chase Sapphire Preferred® Card to take advantage of this card’s travel rewards.

These benefits include a 20% discount off flights purchased through the travel portal plus the ability to transfer points to your favorite loyalty programs, which is generally where the highest value redemptions are earned.

Essentially, this is an automatic 25% boost to your points value! See the Card Math section for details.

Chase provides business services for you with this card to help you manage your affairs.

These include the free Mobile Ink App, which helps you track your spending, file receipts, set spending limits for your employee cards, and get instant alerts from every purchase so you can track your business activity in real-time.

If you’re a business owner spending more than $25,000 on the card in the categories available in a given year, then you likely won’t maximize your value with this card.

Above this threshold, you should upgrade to the Chase Ink Business Preferred℠ Credit Card or another business card.

The Chase Ink Business Preferred℠ Credit Card also works in conjunction with the Chase Freedom®, but it gives you the same rewards that the Chase Sapphire Preferred® Card does (i.e. the travel portal and transfer partners).

You’ll find the Chase Sapphire Preferred® Card useful if you spend a lot in travel and dining, as these two categories are not represented on the Chase Ink Business Preferred℠ Credit Card.

Bottom Line: The Chase Ink Business Cash℠ Credit Card is a very valuable business card for the small business owner just getting started. It has low risk, a strong rewards structure, and the ability to utilize with the other Chase all-star cards.

  • You’re a new small business owner without a lot of cash flow
  • You are a small business owner who utilizes the categories and doesn’t spend over $25k
  • You also own the Chase Freedom®, Chase Sapphire Preferred® Card or Chase Ink Business Preferred℠ Credit Card
  • You’d like to add more cash reward points to your Chase reward program account
  • You are a high-spending small business ($25k+) in the designated rewards categories
  • You don’t utilize these categories in your business

How you maximize your cash rewards is only up to your imagination!

For instance, use the Chase Freedom® during it’s category bonus quarter to purchase gift cards for business expenses through grocery stores.

This helps you offset any spending above the $25k thresholds on the card, ensuring that you get as many points for your dollar as possible.

As one example, you could purchase gift cards for office supply stores if you’ll spend over the $25k bonus limit in that categories. In this way, you’d keep earning more than 1x per dollar, which it would drop down to if you reached your bonus spending limit.

Chase cash back categories 2017 Office supply spending can be very lucrative when using the Chase Ink Business Cash℠ Credit Card in combination with the Chase Freedom® Card!

How To Use the Chase Ink Business Cash℠ Credit Card: The Upgraded Way™

With this card, there are so many ways to maximize your points that it’s hard to know where to begin! Here’s a list of all of our tips to help you out:

Tip #1: Know exactly where you’re spending in each of the categories.

Make sure you aren’t surpassing any spending thresholds, which will reduce your earning from 2x or 5x down to 1x.

Tip #2: Prioritize your spending in the 5x category, which is one of the highest earning on any card around.

Since you can open this card even if you’re not incorporated (for example, if you’re making some extra cash on the side), it’s a great idea to get it and then put your spending in these categories on the card.

Tip #3: Utilize your full $25k threshold on the card; find ways to spend it if you can’t!

If you have some purchases in lower earning categories you need to make, check around for gift card deals at office supply stores like Staples or Office Depot to earn 5x points.

You could potentially find deals for restaurants, airlines, eBay or many other categories where you may only earn 1-3x points on another card.

Tip #4: Put as much business spending on the card as you can, but also use higher earning cards when you can.

You can’t always pay for things with a card (rent, insurance, etc.), but finding a way to put whatever you can on there will help you earn points for everything.

Tip #5: Get your free employee cards right away!

Have your employees put any business-related expenses on the card. Whether you have them reimburse the card personally or you keep it as a business expense is up to you and the IRS, but the more people spending the quicker your rewards will rack up.

For instance, put your employees’ phone, cable, and internet bills on the cards as expenses if they work at home. Pay for gas on any trips or food for any clients they may take out for dinner.

You’ll earn sign-up bonuses and also maximize your ability to earn points by widening the amount of categories covered.

First, use the Chase Freedom® Card for all spending in the quarterly bonus categories to earn 5x points on the $1,500 limit while keeping you from reaching your spending thresholds.

Then, use the Chase Sapphire Preferred® Card to pay for all dining- and travel-related expenses to earn unlimited 2x points, at least on any amount over the $25k threshold.

Finally, use the Chase Ink Business Preferred℠ Credit Card on travel as well (in place of the Chase Sapphire Preferred® Card). This widens your spending thresholds so you can continue to earn points for expenses.

Tip #7: Use your card with customers or clients for any business-related expenses, such as gas for travel and food for business meetings.

Tip #8: Use the Chase Freedom® Card to purchase gift cards if you’ve maxed out other categories; you can get gift cards from supermarkets.

You earn an additional 1x-12x+ points for purchases! In addition, you may be able to purchase things that you couldn’t get a good deal on otherwise.

For instance, you can purchase things through Walmart/Sam’s club, Groupon, Bed Bath & Beyond, and GiftCertificates.com.

See the our reviews for the Chase Freedom® and Chase Sapphire Preferred® Card for more details.

Tip #10: Don’t stop with just utilizing other Chase cards for points; use airline and hotel dining programs, too.

Sign up to a dining program to earn a ton more points in programs of your choice! The more you eat out the more points you’ll earn, and it’s completely free.

Chase cash back categories 2017 Don’t forget to sign up to your favorite airline or hotel dining program to earn additional points on top of the 2% cash-back you’ll get from the Chase Ink Business Cash℠ Credit Card!

Chase Ultimate Rewards is a great online portal to use because it is so versatile.

With the Chase Ink Business Cash℠ Credit Card, all your points accumulate into your account where they can then be used directly, transferred between other cards, or used for travel or shopping redemption.

Using Your Chase Ultimate Rewards Points for Travel

Overall, the most valuable way to redeem points is to first have the full range of cards suggested. Then, combine all your points into one portal.

The Chase Sapphire Preferred® Card or Chase Ink Business Preferred℠ Credit Card portals are where you’ll be able to get the most value for your points.

Here, you can use all your points in the Chase Travel portal to book flights with no blackout dates at 20% off. You’ll earn frequent flier miles and be able to use your status if you have it.

Or, you can use points to transfer to a variety of travel partners.

These include British Airways, Southwest Airlines, and more. By using these redemption methods, you will garner $0.0125 per mile or more.

You can use your points to redeem for things in the shopping portal, but since this usually only gets you $0.01 per mile (and often much less), we don’t generally recommend doing it.

Occasionally, deals do pop up that could increase the value (such as some gift cards), but we deem the Ultimate Rewards portal to be the best for travel overall.

Another option is the Chase Experience portal. Here, they put together unique experiences that you can book with your points. These may or may not hold value to you; feel free to look through them to see if the value is worth it.

You’re also able to use the money for statement credit, but again you will only earn $0.01 per mile, which under-utilizes your points’ potential. The lowest amount you can cash in for credit is 2,000 points (equal to $20).

The Chase Ink Business Cash℠ Credit Card does not have any direct partners outside of the Chase Shopping portal. Through this portal, you earn additional cash back rewards at places like Groupon, Walmart, and Bed Bath & Beyond.

Our Chase Freedom® review has some more details.

Earn More Partners With More Cards

If you have a Chase travel reward credit card, you will have access to the travel partners that allow you to transfer points at a 1:1 ratio to the following loyalty programs:

Let’s use some math to find out if the Chase Ink Business Cash℠ Credit Card is worth it. Since this is a business card, we’ll come up with some small business numbers to help determine the usefulness. A quick recap on the card:

We’re going to summarize this section here since the card math gets a little complex:

Point 1 : The card is worth it if you won’t max out those $25,000 ($25k) categories and have a low-spending business.

Point 2 : It becomes more valuable (no matter the spending level) when you combine it with the Chase Freedom®. This card can be added to your strategy at no cost and even comes with its own sign-up bonus!

Point 3 : Using this card with the Chase Sapphire Preferred® Card can be valuable as well, but there is a minimum amount of spending and reward redemption that will make it so.

This calculation will be unique to your situation, but the goal would be to utilize the travel and dining categories to fill in any gaps, and use the travel portal and points transfer options to get enough value to make up for the $95 annual fee.

Recall that the fee is waived for one year, which helps.

Point 4 : The Chase Ink Business Preferred℠ Credit Card card beats out the Chase Ink Business Cash℠ Credit Card in a lot of cases with its much larger sign-up bonus and larger spending thresholds (even though it comes with the $95 fee).

It also provides the same travel benefits as the Chase Sapphire Preferred® Card. Basically, know what you are going to be spending and get the appropriate card.

Each business is different, and those unique aspects of your business should drive which card you get.

Point 5 : One strategy is to start with the Chase Ink Business Cash℠ Credit Card to collect the bonus and utilize the card while you get your business going.

Later, upgrade to the Chase Ink Business Preferred℠ Credit Card to collect another sign-up bonus and maximize your reward potential. Always think outside the box!

So, onto the math.

Example 1: Typical Small Business Finances

As a small business owner, let’s assume you have a variety of expenses in the following amounts yearly (say your business is a local consultancy).

The majority of your spending ends up being in the “other” category. You have a decent amount in the higher rewards categories but still come in well below the thresholds.

We assumed here that you do all your business on your cell phone and have no need to use a landline or to watch cable TV at work, so we put zeros in those categories.

In addition, we assumed there is a weekly meal you purchase for a client and that you’ll be driving frequently throughout the year. We estimated a variety of other expenses.

To calculate the points you’ll earn, we will separate them into their earning categories and total dollars spent, then calculate the points earned over the year:

Bottom Line: In total, at this spending you could earn 204,400 pts, which is worth $2,040 at direct conversion when using the Chase Ink Business Cash℠ Credit Card. That’s a pretty good reward for no annual fee!

But what is the trade off when you start having higher expenses?

Example 2: Adding Additional Employees – Is the Card Still Worth It?

Let’s say that you end up hiring an additional three people to work for you as your client base grows. All of the expenses that are based on an individual will quadruple now that there are four total people, and your new expenses look like this:

Bottom Line: Your new rewards will change because your 2-5% rewards are limited to a maximum of $25k, after which your rewards will come in at 1%.

Below we’ll explore how Example 2 might look while comparing other cards to the Chase Ink Business Cash℠ Credit Card.

Further Comparing: Chase Sapphire Preferred® Card and Chase Freedom® Card (Example 2)

As we mentioned above, this card works well with other Chase cards, so what if you’re also using the Chase Freedom® and Chase Sapphire Preferred® Card in your strategy?

To find out the potential improvement, you would have to figure out where these cards will be the better choice for spending. We will only compare business spending; otherwise, the math will just get messier!

Let’s start with the Chase Freedom®, which earns quarterly bonuses of 5%. The business categories that it has the potential to cover are restaurants and gas stations, both of which only earn 1-2x points when using the above two cards.

It can also double for the office supply category if you use Amazon.com to purchase office supplies, which would only be relevant if you went over the maximum limit since all cards earn 5x in this category already.

Keep in mind that these categories can change any time, and we are using the 2015 categories for this estimate.

With this in mind, during the quarters you earn 5x for restaurants and gas stations, let’s assume you use the Chase Freedom® Card to maximize rewards rather than the Chase Ink Business Cash℠ Credit Card.

Spending Scenario Notes: Chase Sapphire Preferred® Card

The same idea works for the Chase Sapphire Preferred® Card in travel and dining. With the Chase Ink Business Cash℠ Credit Card, you’ll add 8,000 additional points ($80) to your total when the Chase Sapphire Preferred® Card is used for your travel expenses (only an additional 1x is earned) in Example 1.

However, at the higher spending limit, you should use the Chase Freedom® and the Chase Sapphire Preferred® Card to really maximize and offset any spending over the $25k limit.

After factoring in the usage of the Chase Freedom®, there is $3,200 of spillover cash in the 2x earning categories in Example 2.

By using the Chase Sapphire Preferred® Card in the restaurant category, you will earn 2x points (1x more) plus an additional 3,200 points ($32).

Hot Tip: Just use the Chase Sapphire Preferred® Card for all restaurants, since there is no limit to your earnings and it is equal to the business cards. This saves you money in that category threshold!

In this example, the total value of the Chase Sapphire Preferred® Card comes to $112 at direct conversion of points, which goes beyond the $95 fee.

It also gives you the now added benefit of using your points with the multitude of travel partners with Chase. This allows you to up the ante on the value of your points depending on how you spend them.

Bottom Line: The Chase Sapphire Preferred® Card adds both points/dollar value and benefit value to the Chase Ink Business Cash℠ Credit Card.

Spending Your Points Optimally

Using the trio of cards, you earn 389,100 points over the year with the Chase Ink Business Cash℠ Credit Card.

This is $4,863.75 of direct travel value through the Chase Sapphire Preferred® Card travel portal. Your other option is to transfer those miles into your British Airways account and use it to book travel on Oneworld partners.

Assuming a 60,000 point round-trip ticket to Europe (worth about $1,200 cash), you are now able to get six full round-trip tickets to Europe, which is worth $7,200 at that price.

Get even more value if you use points to upgrade from your existing ticket or book a higher class.

Note that some carriers (like British Airways) charge fees for international travel, so be sure to book on one where this difference in value makes sense.

Bottom Line: Consistently spending your points in the best possible way extends the value of any card!

Chase cash back categories 2017 Make sure to take some time to review how to optimally earn and spend points; you may be surprised about where you are missing out!

Again, this is a more complicated card math than our other reviews due to the fact that the card has so much potential to combine its use with other cards to benefit your business.

We didn’t even take into account your own personal spending, which just further boosts value and justifies the multiple cards.

Final Note: Remember that the Chase Ink Business Preferred℠ Credit Card provides similar benefits to the Chase Sapphire Preferred® Card, so it may be worth it to get one or the other, but not necessarily both.

As always, do your own calculations (or ask us for help!) and figure out what makes the most sense for you.

Bottom Line: The Chase Ink Business Cash℠ Credit Card upwards of $2,000 in value per year using our calculations!

The Gritty Details: Everything Else You Need To Know

Your rewards points will show up in your rewards portal found under your account. If you have multiple Chase cards, they will all be linked on your main account overview page and also in the Ultimate Rewards portal itself.

From there, you can select the points summary in the top right to navigate between cards, and this is also where you transfer points between portals. It is a simple step that must be taken in order to maximize the rewards.

Always make sure you are purchasing from qualified merchants. Some merchants do not count in a category you might think, and the best way to check is by reviewing your statements or looking it up online.

Auto rental collision damage waiver – When you decline a car rental agency’s insurance, you are able to get coverage for the full value of the car, with some exceptions that will be in your cardmember agreement.

While on non-business cards this is typically a secondary insurance, meaning your insurance must be utilized first, for business trips this will act as a primary insurance.

Purchase protection – For 120 days after purchases, the credit card issuer will insure you against damage and theft for up to $10,000 per incident and $50,000 maximum per account. You’ll have to have all your purchase information plus any information about the incident before submitting to Chase for review.

Extended warranty protection – For warranties of three years or less, Chase will extend the length of the manufacturer’s warranty by one year. Exceptions will apply, and there will be a limit to the amount of coverage (see your agreement).

Mobile Ink app – This app helps you manage your spending on your card, and is only available for iOS and Android.

Purchase alerts – When you sign up for purchase alerts, a push notification will be sent to your phone anytime the card is used. This doesn’t necessarily cover every purchase, but the information is always available in your Chase app.

Photo Credits / Credit/Copyright Attribution:
Business Owner Thinking: Dragon Images/Shutterstock

Desk Office Supplies: Tashatuvango/Shutterstock

Friends Dining Laughter: Rawpixel.com/Shutterstock

Stylish Travel Maps: Sergey Peterman/Shutterstock

Chase Sapphire Preferred® Card

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    Is the Chase Ink Business Cash℠ Credit Card a good card? Is it worth it?

    We think that the card is good for anyone spending less than $25,000 per year on your card, and anyone who will utilize the other Chase cards to optimize their reward points.

    Having a business line of credit is very beneficial to you, especially when starting up. When you’re in a pinch, a business cash advance also goes a long way.

    To fully use the card to its potential, you should also get the Chase Sapphire Preferred® Card or Chase Ink Business Preferred℠ Credit Card.

    Does the Chase Ink Business Cash℠ Credit Card have a 0% APR offer?

    Is the Chase Ink Business Cash℠ Credit Card a cash-back card?

    Earn 5% cash back 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.

    Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

    However, in practice, it works as a points card. The cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the reward points in the online shopping portals to earn rewards or transfer them to another Chase card account.

    What is the difference in the Chase Freedom® Card vs Chase Ink Business Cash℠ Credit Card?

    While they are both cash-back cards, the main difference is where bonuses are offered. While the Chase Freedom® offers rotating 5% categories each quarter, the Chase business credit card allows you to earn 5% in select categories year round.

    The Chase Freedom® also limits your earning on the first $1,500 of each quarters’ categories, while the business card allows you to get 5% all year in the same categories on up to $25,000.

    After hitting either cards’ limits, you will earn a 1% cash back reward.

    Finally, for business card holders, Chase offers free cards for employees as well as tools to help manage and track your spending. You can add one authorized user on your Chase Freedom® Card, and you can utilize the Chase BluePrint to help manage your finances.

    Can the Chase Ink Business Cash℠ Credit Card use Ultimate Rewards?

    Yes! You can transfer your cash-back into the Ultimate Rewards Portal in order to utilize the Chase rewards available. Simply log in to your account, click on Ultimate Rewards, and you will see your points balance on the account.

    Does the Chase Ink Business Cash℠ Credit Card provide travel rewards?

    With these, you are able to transfer the points you earn on any Chase Ultimate Rewards card to one of those two cards to unlock the travel benefits.

    What is the Chase Ink Business Cash℠ Credit Card foreign transaction fee?

    What is the Chase Ink Business Cash℠ Credit Card login?

    Is the Chase Ink Business Cash℠ Credit Card free? What is the annual fee?

    What are the benefits of the Chase Ink Business Cash℠ Credit Card?

    This cash-back is usable as statement credit or in Chase Ultimate Rewards portal.

    Next, because it is a business card, Chase offers employees free cards. It also offers business apps and tools to help manage and track your spending.

    Finally, the card offers a variety of insurances, including purchase, auto rental, and extended warranties.

    How many Ultimate Rewards cards are there?

    • Chase Ink Business Cash℠ Credit Card
    • Chase Freedom®
    • Chase Freedom Unlimited℠
    • Chase Sapphire Preferred® Card
    • Chase Ink Business Preferred℠ Credit Card
    • Chase Sapphire Reserve℠ Card

    What are the best small business cash back credit cards?