---
title: Best for Small Business Rewards
description: 'This card—which is one of Money''s 2014 #BestCreditCards—offers a fat 5% back on categories in which entrepreneurs tend to spend.'
authors:
  - name: kerrirenzulli
    url: https://money.com/author/kerrirenzulli/
    at_money_since: 2014
    articles: 1
    covers:
      - Career Advice
    former_staff: true
published: '2014-09-22T19:59:17.000Z'
modified: '2024-04-16T04:25:22.000Z'
section: Family Finance
tags:
  - $5
  - cash back
  - cell phone
  - Chase Ink Cash
  - Credit Cards
  - Money's Best Credit Cards
  - office supplies
  - Small Business
  - Wireless
canonical: https://money.com/collection-post/best-small-business-rewards-card/
type: Article
source: structured-blocks
---

> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![Illustration](https://img.money.com/2014/09/140919_ff_credit_smallbusiness.jpg?crop=0px%2C224px%2C2100px%2C1181px&quality=85)

### [**Chase Ink Cash**](http://www.nerdwallet.com/blog/credit-cards/chase-ink-cash-review/)

**APR:** 0% for first 12 months, then 13%

**Annual Fee:** $0

**Sign-up Bonus:** $200 cash back after spending $3,000 in the first three months

**Rewards:** 5% cash back on up to $25,000 in combined purchases at office supply stores and on cellular phone, landline, Internet, and cable-TV services; 2% at gas stations and restaurants on up to $25,000; 1% on everything else

**Why It’s a Winner:** Big payouts in categories in which small-business owners are likely to spend. High caps in the top-paying categories make this card especially valuable (the typical maximum in 5% categories on consumer cards is more like $6,000 to $8,000 a year).

Let’s say you spend $25,000 on office supplies and utilities and $10,000 on gas and restaurants. You’ll get $1,650 in cash back that first year, including the bonus, for a return of 4.7%. Moreover, there’s no annual fee to eat into your rewards.

**Caveat:** With a post-intro rate of 13%, this isn’t the right card for a business that can’t pay off its bill every month. Finance charges levied for carrying a balance will exceed the value of any rewards.

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