For a business card with no annual fee, 5% back on office supply stores plus internet, cable, and phone service is a strong everyday rate, and it runs on a combined $25,000 of annual spend before falling to 1%. Chase raised the signup bonus from $750 to $1,000 in June, now payable after $8,000 of spend in four months, and pairs it with 12 months of 0% intro APR on purchases for anyone financing startup costs. Gas stations and restaurants add 2% under their own combined $25,000 cap. The ceilings are the real catch: past them everything earns 1%, and the card charges foreign transaction fees, so overseas spending belongs on a different card. The regular APR of 16.74% to 24.74% is reasonable, but not a reason to carry a balance past the intro period.
Earn rates & credits
| Category | Rate |
|---|---|
Office Supply Stores Office supply stores; combined $25,000/year cap with internet/cable and phone services; 1% thereafter on first $25,000/yr, then 1% | 5% |
TV, Internet & Streaming Services Internet and cable services; combined $25,000/year cap with office supplies and phone services; 1% thereafter on first $25,000/yr, then 1% | 5% |
Phone Services Phone services; combined $25,000/year cap with office supplies and internet/cable services; 1% thereafter on first $25,000/yr, then 1% | 5% |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5% |
Gas Gas stations and restaurants (combined cap with dining) on first $25,000/yr, then 1% | 2% |
Dining Gas stations and restaurants (combined cap with gas) on first $25,000/yr, then 1% | 2% |
Everything Else | 1% |
Card details
Regular APR | 16.74%–24.74% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | Yes |