Ink Business Unlimited

The Ink Business Unlimited keeps things simple: 1.5% cash back on every purchase with no annual fee and no categories to track, which suits businesses whose spending doesn't cluster in any particular area. Chase recently trimmed the signup bonus from $1,000 to $750, still earned after $6,000 in spend over three months. Twelve months of 0% intro APR on purchases gives you room to finance equipment or startup costs without interest. The tradeoff is that a flat 1.5% is a modest rate, and the card charges a foreign transaction fee, so it's a poor choice for international spending. Treat the 5% on Lyft rides through September 2027 and the three-month Instacart+ membership as minor extras.