For most businesses, the Ink Business Cash card offers the best credit card option.
A big reason for that? Ink Business Cash has great rewards. This cash back card gives you up to 5% cash back―the highest of any card on this list. Sure, that high percentage comes with some limitations. It applies only to the first $25,000 you spend on office supplies, internet, phone, or cable each year (with the year starting on your account anniversary date).
But even with those limitations, it’s hard to top that 5% rate. And you still get plenty of cash back on other purchases, too. You get 2% cash back on the first $25,000 you spend at gas stations or restaurants each year. All other purchases get you 1% cash back.
High rewards aside, Ink Business Cash still makes for a great card. With no annual fee, a competitive APR, free employee cards (that also earn rewards), and a nice signup bonus for new cardmembers, it would be a perfectly decent card even if you didn’t max out your 5% cash back reward.
That said, depending on your spending habits, another card on this list might end up rewarding you more (if you never spend at office supply stores and pay your internet bill by ACH transfer, for example).
But for many small businesses, Ink Business Cash offers unbeatable rewards on top of an already solid credit card―making it our overall favorite small-business credit card.
If you’d prefer flat-rate rewards, you can opt for Ink Business Unlimited instead.
Like Ink Business Cash, Ink Business Unlimited has no annual fees, gives you free employee cards, and charges a competitive APR range.
The difference? Ink Business Unlimited gives you 1.5% cash back on all your purchases. That can make it a better deal for businesses that don’t do much spending in the specific reward categories Ink Business Cash was designed for.