- Click APPLY NOW to apply online.
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Rates & Fees
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome Offer$1,000 cash back
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Rewards Rate1.5% cash back
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Credit Needed
Bottom Line
This credit card has all the perks a business owner could want. A long intro APR, great rewards, and the $0 annual fee make this a great choice for anyone.
Our Take
The Good
The sign-up bonus is among the biggest we've seen for a business credit cards, and it's especially generous considering this card also comes with a $0 annual fee and a lengthy intro APR on purchases.
The Not So Good
There is a foreign transaction fee of 3% of each transaction in U.S. dollars, which means you might want to refrain from using this card overseas.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Penalty APR: Up to 29.99%
Ongoing Information
- Rewards Rate: Earn unlimited 1.5% cash back on every purchase made for your business
- Annual Fee: $0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Jun 15, 2026
The Ink Business Unlimited® Credit Card is a excellent option for business owners looking for a cash back credit card to boost their bottom line. This credit card has everything a business owner could want in a credit card - a $0 annual fee, a generous rewards rate, and a long intro APR.
For starters, as a new cardholder, you will earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening. But the cash back doesn't stop there. For ongoing rewards you earn unlimited 1.5% cash back on every purchase made for your business.
On top of the great cash back rewards, this card also comes with a long intro APR of 0% Intro APR on Purchases for 12 months, followed by an ongoing APR of 16.74% - 24.74% Variable. That means you can pay off your business expenses over time without worrying about being charged interest during the intro period. Overall, the long list of valuable perks make the Ink Business Unlimited® Credit Card a top choice for any business owner.
Expert Reviews of Ink Business Unlimited® Credit Card
The Bottom Line
This credit card has all the perks a business owner could want. A long intro APR, great rewards, and the $0 annual fee make this a great choice for anyone.
The Good
The sign-up bonus is among the biggest we've seen for a business credit cards, and it's especially generous considering this card also comes with a $0 annual fee and a lengthy intro APR on purchases.
The Not so Good
There is a foreign transaction fee of 3% of each transaction in U.S. dollars, which means you might want to refrain from using this card overseas.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNone
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Credit Needed
Bottom Line
This card is ideal for growing, revenue-generating businesses that need flexible access to capital. Review your funding limits and repayment terms to see how the Flex Line can work for your business.
Our Take
The Good
We like that the spending limit for this business card grows as your revenue grows, and you can get your funds deposited straight into your bank account.
The Not So Good
This card does not earn rewards, and it also presents some risks since you can sell a portion of your future earnings to get funds now.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Rated Excellent on Trustpilot with 800+ reviews
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
See Additional Details for Revenued Business Card
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Annual Fee$0
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Welcome Offer$750 Cash Back
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Rewards Rate1.5% - 5% Cash Back
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Credit Needed
Bottom Line
The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional cards and helpful expense reports.
Our Take
The Good
The card comes with no annual fee and you earn cash back on all purchases, all the time. and come with the option of automatic redemption.
The Not So Good
The card is designed for those who want cash back rewards, so if that’s not your priority then you might want to choose a different card.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Enjoy a 0% APR for the first 9 months of opening
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See Additional Details for Capital One Spark Cash Select
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Annual Fee$375
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Regular APR17.74% - 28.49% Variable
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Rewards Rate
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Terms Apply
1X - 4X points -
Credit NeededGood / Excellent
Bottom Line
American Express® Business Gold Card is a great business card with a generous rewards program. You can earn a large amount of points that you can easily redeem, while also enjoying a whole menu of other handy, business-friendly features. To see rates & fees for American Express® Business Gold Card, please click here.
Our Take
The Good
As a cardholder, you can earn extra points in the two eligible categories where your business spends the most each month, maximizing your rewards (on the first $150,000 in combined purchases in these categories).
The Not So Good
American Express® Business Gold Card is a business card, so it's not designed for individual use or for someone intending to carry a balance. The annual fee is also higher than most.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- Rates & Fees
See Additional Details for American Express® Business Gold Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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