The Ink Business Cash card from Chase Bank is our overall favorite cash back small-business credit card.
One reason why? It has the best cash earning potential. Ink Business Cash earns up to 5% cash back―the highest rate we’ve found on a business credit card. (The average maximum cash back rate on this list is 2.25%, less than half that.)
You can earn that 5% rate on the first $25,000 you spend in a few categories, including internet, phone, cable, and office supply store purchases. Other categories earn lower rates, like 2% on gas and restaurant purchases and 1% on all other purchases. So depending on how your business spends, you could earn quite a lot of cash―or you could get mostly a 1% rate.
Regardless of how you spend, Ink Business Cash offers a nice welcome bonus, letting you get an additional $750 in cash back if you spend $7,500 in your first three months with your Chase business credit card.
And cash rewards aside, we still like plenty of things about Ink Business Cash. It has no annual fee and no employee card, making it affordable for business owners. Plus, Ink Business Cash has a competitive (though not rock-bottom) APR, and you get 12 months of 0% APR to start you off.
So while Chase’s Ink Business Cash may not be the right card for every business (depending on how you spend), its high rewards rates, low fees, and competitive interest make it our top cash back business credit card.