Credit Card
Chase Ink Business Cash
Best no-annual-fee business card for everyday spending categories.
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Annual fee
$0
APR
18.49%-24.49% variable
Rewards rate
5% office supplies/internet, 2% gas/restaurants, 1% everything else
Sign-up bonus
$350 after $3,000 in first 3 months
Rating breakdown
Pros
- No annual fee
- 5% cash back on office supplies and internet/cable/phone (first $25K/year)
- 2% at gas stations and restaurants (first $25K/year)
- 0% intro APR for 12 months on purchases
Cons
- 5% categories cap at $25,000/year combined
- 1% on everything outside bonus categories
- No sign-up bonus as generous as some competitors
- Foreign transaction fees (3%)
Who this card is for
If your business spends on office supplies, internet, cable, or phone services, the 5% cash back in those categories is hard to beat with no annual fee. The 2% on gas and restaurants adds up quickly for businesses with employees on the road or client meals.
Where it falls short
The $25,000 annual cap on bonus categories means high-spending businesses will hit the ceiling. Once you’re past $25K combined in the 5% and 2% categories, everything drops to 1%. For businesses spending more than that, a card with uncapped rewards (like the Amex Blue Business Cash) may be a better fit.
Bottom line
The Chase Ink Business Cash is the best “set it and forget it” business card for small operations. No annual fee, solid cash back in common business categories, and a useful intro APR period. It won’t maximize rewards for every dollar, but it costs you nothing to hold and earns well on the spending most small businesses already do.
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