The Ink Business Cash pays 5% at office supply stores and on internet, cable, and phone services, which makes it one of the strongest no-fee picks for a small business with real overhead in those categories. That 5% applies to a combined $25,000 a year before dropping to 1%, and gas and restaurants earn 2% on a separate combined $25,000. The signup bonus was recently cut from $1,000 to $750, still earned after $6,000 in spend over three months, and there is a 12-month 0% intro APR on purchases. The catch is a 1% base rate on everything outside those categories, plus a foreign transaction fee, so it works best alongside a flat-rate card rather than as your only business card. The 5% on Lyft through September 2027 and a three-month Instacart+ trial are minor extras.
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% |
TV, Internet & Streaming Services 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 |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Ink Business CashBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.