The Ink Business Cash pays 5% back on office supply stores and on internet, cable, and phone services across a combined $25,000 of annual spend, which is a lot of 5% room for a card with no annual fee. Chase raised the signup bonus in June from $750 to $1,000 after $8,000 in spend within four months, and a 12-month 0% intro APR on purchases helps if you are financing startup costs. Gas stations and restaurants earn 2% on their own $25,000 cap, and everything past a cap or outside a category drops to 1%, so the card rewards businesses whose spending clusters in those specific buckets. It also carries a foreign transaction fee, which makes it a poor fit if you buy from overseas suppliers. Pair it with a flat-rate business card and the 1% base rate stops mattering much.
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% |
Utilities 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 |