Chase Ink Business Cash Credit Card

Best for Daily Spending with No Annual Fee

Chase Ink Business Cash Credit Card

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Pros
  • Scale up your business with a nice introductory offer of 0% interest on purchases and balance transfers in the first 12 months (and no annual fee, ever!)
  • Add authorized users with spending caps
  • Earn cash back on purchases you're already making for your business
Cons

If you don't spend a lot on office supplies, telecom services, gas or dining, then this probably isn't the best business credit card for you. Without a moderate to high spend in any of these categories, you won't be able to maximize the rewards this card offers.

Highlights
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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
  • Employee cards at no additional cost
  • No Annual Fee
Details

Application Process: Apply online, with a simple application similar to (though not completely the same as) Chase's consumer credit card offerings.

Annual Fee: Absolutely none! It's a beautiful thing.

APR: Expect a variable APR between 14.24% to 20.24%, but first, 12 months of 0% APR. Additionally, money transfers cost 5% of the total amount, and foreign transactions cost 3% of the total transaction.

Rewards: The Chase Ink Business Cash Credit Card offers a number of useful rewards:

  • 5% cash back on office supplies and cable/telecom services, with a $25,000 annual spending limit
  • 2% cash back on dining and gas (also up to a $25,000 annual spend)
  • Unlimited 1% cash back everywhere else

Rewards come in the form of cash back, and redemption starts with a minimum of $20. 

Bonus OffersGet $300 cash back when you spend $3,000 within the first 3 months.

Card attributes
  • Variable APR
    14.49% - 20.49%
  • Cash Advance APR
    26.24%
  • Bonus Offers
    Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Rewards Rate
    1.0%
  • Annual Fee
    $0
  • Intro APR
    0% on Purchases and Balance Transfers for 12 months
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