Ink Business Cash Credit Card

The Ink Business Cash earns a strong 5% at office-supply stores and on internet/cable/phone (first $25,000/year combined), which is the play if you buy gift cards or stock supplies there, plus 2% at gas and restaurants. The $25,000 cap is the real ceiling: max it and that's $1,250 back, but spend past it and you drop to 1%, so high-volume businesses should pair it with a flat-rate card. No annual fee and a 12-month 0% intro APR sweeten it; the 3% foreign fee and 5/24 rule are the downsides. Like the other Inks, its cash back turns transferable when paired with a premium Chase card; check current terms on Chase's site.

Ink Business Cash Credit Card at a glance

Rewards & perks

• 5% back at office supply stores and on telecom services
• 2% back at gas stations and restaurants
• Combine it with premium Chase cards to make point transfers possible

Pros

• Carries no yearly fee
• Healthy 5% and 2% earning categories
• A 0% intro APR on purchases

Cons

• The bonus categories stop at $25,000 per year
• Tacks on a 3% fee for foreign transactions
• Falls under the Chase 5/24 rule

Who should apply

• A real business or side gig qualifies, sole proprietors included
• Personal credit in the good-to-excellent range
• Falls under the Chase 5/24 rule

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Chase site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.