Chase Ink Business Cash®
Best for office & telecom spend — $0 annual fee
Earn 5% cash back on the first $25,000 at office supply stores and on internet/cable/phone services annually. 2% at gas stations and restaurants. A true workhorse for service businesses with zero annual fee.
Pros
- 5% on office supplies & telecom
- 2% at gas stations & restaurants
- 0% intro APR on purchases
- No annual fee
- Employee cards at no cost
Cons
- $25k annual cap on 5% categories
- No travel rewards
- Lower earn on general spend
American Express Blue Business Cash™
Best flat-rate cash back for simplicity
2% cash back on all eligible purchases up to $50,000 per year, then 1%. No annual fee, no tracking categories. Perfect if you don't want to optimize spending by category.
Pros
- Flat 2% on all purchases
- No annual fee
- Expanded buying power
- Employee cards free
- American Express protections
Cons
- 2% capped at $50k annually
- No travel rewards
- Requires good-excellent credit
Chase Ink Business Preferred®
Best for travel rewards & high spenders
3x points on travel, shipping, advertising, and internet/cable/phone on the first $150,000 combined annually. Points transfer to 14 airline and hotel partners at 1:1 for outsized value.
Pros
- 90k welcome bonus
- 3x on travel, shipping, ads, telecom
- $150k annual cap on 3x categories
- Primary rental car coverage
- Cell phone protection up to $600
Cons
- $95 annual fee
- Cap on bonus categories
- Requires excellent credit
Track everything from day one
Business credit cards dramatically simplify tax time — all deductible expenses in one statement. Use the spending categories to verify they match your actual business costs.
| Card | Fee | Best Earn | Sign-Up Bonus | Best For |
|---|---|---|---|---|
| Ink Business Cash | $0 | 5% office/telecom | $750 cash back | Office/telecom spend |
| Amex Blue Business Cash | $0 | 2% flat rate | No bonus | Simplicity |
| Ink Business Preferred | $95 | 3x travel/ads | 90k pts | Travel rewards |
| Amex Business Gold | $375 | 4x top 2 categories | 70k pts | High spenders |
| Capital One Spark Cash Plus | $150 | 2% unlimited | $2,000 bonus | High volume |
Calculate your monthly business expenses
See how your spending maps to reward categories to pick the card that maximizes your cash back.