Chase Ink Business Cash

• The $750 welcome bonus requires $6,000 in 3 months - that's $2,000/month, which is a real spend target for a no-annual-fee card, so map out your actual business expenses before you apply and make sure the number is genuinely reachable without manufactured spend propping it up.
• The 5% earn rate on office supplies and internet/cable/phone is a combined $25,000 annual cap - meaning those two categories share the bucket, and once you hit $25K across both, everything drops to 1%, so if your phone bill alone is substantial, factor that into how fast the cap disappears.
• The 2% on gas and dining is also a combined cap at $25,000 annually - same logic as above, two categories sharing one ceiling, which is fine for most small businesses but worth knowing if you're a fleet-heavy operation expecting big gas volume.
• The points are worth 1 cent each as cash back, but they're technically Chase Ultimate Rewards points - which means if you ever pair this card with an Ink Preferred or a Sapphire card on your account, those same points can move into the full UR travel ecosystem and potentially stretch further than straight cash back.
• NO foreign transaction fee waiver - this card charges 3% on purchases made outside the U.S., which makes it the wrong card to reach for on international travel or with foreign vendors, full stop.
• The 0% intro APR on purchases lasts 12 months from account opening - genuinely useful if you're planning a big equipment purchase or cash flow timing play, but the variable rate that kicks in after the intro period isn't decorative, so have a plan before you lean on it.
• Points do not expire while the account is open, but closing the account means losing them immediately - not a gotcha unique to this card, but worth knowing before you ever decide to downgrade, product-change, or close anything in your Chase lineup.

The Ink Business Cash is the no-annual-fee workhorse for small business owners who stack serious cash back on office supplies and internet/phone bills — 5% up to $25K annually is genuinely hard to beat at $0 cost. Toss in a $750 welcome bonus and a 0% intro APR period and this card basically pays for itself before you've even bought a printer cartridge.