Ink Business Unlimited AI citations

Here are some of the best business credit cards for cash back: 1. {{[[Chase Ink Business Cash]]:https://www.chase.com/business/credit-cards/ink-business-cash}} : This card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, and 2% on the first $25,000 spent in combined purchases at gas stations and restaurants. 2. {{[[American Express Blue Business Cash]]:https://www.americanexpress.com/us/credit-cards/card/blue-business-cash-card/}} : This card provides 2% cash back on the first $50,000 spent each year, then 1%, with no annual fee. 3. {{[[Capital One Spark Cash for Business]]:https://www.capitalone.com/small-business/credit-cards/spark-cash-for-business/}} : This card offers unlimited 2% cash back on every purchase, with a one-time $500 cash bonus after spending $4,500 in the first 3 months. 4. {{[[Discover it Business Card]]:https://www.discover.com/business-credit-cards/}} : This card offers 1.5% cash back on all purchases, with an introductory offer of matching all cash back earned in the first year. 5. {{[[Wells Fargo Business Platinum Credit Card]]:https://www.wellsfargo.com/biz/credit-cards/platinum/}} : This card provides 1.5% cash back on all purchases with no annual fee and an introductory 0% APR for the first 9 months on purchases. These cards cater to various spending habits and business needs, providing flexibility and rewards for cash back.

## Top Business Credit Cards for Cash Back {{[[Chase]]:https://creditcards.chase.com/business-credit-cards}} : The **Ink Business Cash® Credit Card** is a standout for cash back, offering 5% cash back on the first $25,000 spent annually in combined purchases at office supply stores and on internet, cable, and phone services, plus 2% cash back on the first $25,000 spent annually at gas stations and restaurants, and 1% cash back on all other purchases—all with no annual fee[3]. The **Ink Business Unlimited® Credit Card** provides unlimited 1.5% cash back on every purchase, also with no annual fee[3]. For businesses with higher spending, the **Ink Business Premier® Credit Card** offers 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other purchases, plus a $1,000 bonus after spending $10,000 in the first 3 months[3]. {{[[Capital One]]:https://www.capitalone.com/small-business/credit-cards/}} : The **Spark Cash Plus** card delivers unlimited 2% cash back on every purchase, a $2,000 cash bonus after spending $30,000 in the first 3 months, and additional $2,000 bonuses for every $500,000 spent in the first year[5]. The **Spark Cash Select** offers a $750 bonus after spending $6,000 in the first 3 months, also with unlimited 1.5% cash back and no annual fee[5]. {{[[Bank of America]]:https://ramp.com/blog/business-credit-cards-with-cashback}} : The **Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®** provides unlimited 1.5% cash back on all purchases, no annual fee, a $300 statement credit after spending $3,000 in the first 90 days, and a 0% intro APR for 9 billing cycles[1]. Preferred Rewards for Business clients can boost cash back by up to 75%[1]. {{[[U.S. Bank]]:https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html}} : The **U.S. Bank Triple Cash Rewards Visa® Business Card** offers 3% cash back on select business categories (including gas stations, office supply stores, and cell phone service providers), 1% cash back on all other purchases, and no annual fee[7]. ## Comparison Table | Card Name | Issuer | Cash Back Rate | Annual Fee | Notable Features | |-----------|--------|---------------|------------|------------------| | Ink Business Cash® | {{[[Chase]]}} | 5% (select), 2% (gas/restaurants), 1% (other) | $0 | $900 bonus after $6,000 spend in 3 months[3] | | Ink Business Unlimited® | {{[[Chase]]}} | 1.5% (all) | $0 | Simple, flat-rate rewards[3] | | Ink Business Premier® | {{[[Chase]]}} | 2.5% ($5k+), 2% (other) | $0 | $1,000 bonus after $10,000 spend in 3 months[3] | | Spark Cash Plus | {{[[Capital One]]}} | 2% (all) | $150 | $2,000 bonus after $30,000 spend in 3 months[5] | | Spark Cash Select | {{[[Capital One]]}} | 1.5% (all) | $0 | $750 bonus after $6,000 spend in 3 months[5] | | Business Advantage Unlimited Cash Rewards | {{[[Bank of America]]}} | 1.5% (all) | $0 | $300 bonus, 0% intro APR, rewards boost for Preferred Rewards[1] | | Triple Cash Rewards Visa® Business | {{[[U.S. Bank]]}} | 3% (select), 1% (other) | $0 | No annual fee, simple category rewards[7] | ## Summary - **Best for category spending**: {{[[Chase]]}} Ink Business Cash® (5% on select categories)[3]. - **Best for flat-rate, unlimited cash back**: {{[[Capital One]]}} Spark Cash Plus (2% on everything)[5], {{[[Chase]]}} Ink Business Premier® (2.5% on large purchases, 2% on others)[3], or {{[[Bank of America]]}} Business Advantage Unlimited Cash Rewards (1.5% on everything, with potential boost)[1]. - **Best for no annual fee and simple rewards**: {{[[U.S. Bank]]}} Triple Cash Rewards Visa® Business Card (3% on select categories)[7]. Choose based on your business’s spending patterns and whether you prefer category bonuses or straightforward, unlimited cash back. All these cards are highly rated for business cash back in 2025.

Here are the top cash back business credit cards: 1. {{[[Chase Ink Business Cash]]:https://creditcards.chase.com/ink-business-credit-cards/ink-business-cash}} : Offers 5% cash back on office supplies and internet/cable services, with no annual fee. 2. {{[[American Express Blue Business Cash]]:https://www.americanexpress.com/us/credit-cards/business-credit-cards/blue-business-cash/}} : Provides 2% cash back on purchases up to $50,000 per year, with no annual fee. 3. {{[[Capital One Spark Cash Select]]:https://www.capitalone.com/business/credit-cards/spark-cash-select/}} : Gives 1.5% unlimited cash back on all purchases, with no annual fee. 4. {{[[Ink Business Unlimited]]:https://creditcards.chase.com/ink-business-credit-cards/ink-business-unlimited}} : Offers flat 1.5% cash back on all purchases with no annual fee. 5. {{[[Citi Business Cash Card]]:https://www.citi.com/credit-cards/business/citi-business-cash-card}} : Provides rotating 2% cash back categories and 1% on other purchases. The best card depends on your specific business spending patterns and categories.

Here are some of the best business credit cards for startups: 1. {{[[Brex]]:https://www.brex.com}} : The Brex Card offers no personal guarantee, high credit limits, and rewards tailored for startups, including points on various business expenses. 2. {{[[American Express]]:https://www.americanexpress.com}} : The American Express Business Gold Card provides flexible rewards and a generous welcome bonus, making it a solid choice for startups looking to earn points on their spending. 3. {{[[Chase]]:https://www.chase.com}} : The Chase Ink Business Preferred Credit Card offers a high sign-up bonus and rewards on travel and business expenses, ideal for startups that frequently spend in these categories. 4. {{[[Capital One]]:https://www.capitalone.com}} : The Capital One Spark Cash for Business provides straightforward cash back on all purchases, which can be beneficial for startups seeking simplicity in rewards. 5. {{[[Divvy]]:https://www.getdivvy.com}} : The Divvy Business Card combines expense management with rewards, allowing startups to manage budgets and track spending effectively. 6. {{[[U.S. Bank]]:https://www.usbank.com}} : The U.S. Bank Business Platinum Card offers a long introductory 0% APR period, which can help startups manage cash flow during their early stages. 7. {{[[Wells Fargo]]:https://www.wellsfargo.com}} : The Wells Fargo Business Secured Credit Card is a good option for startups looking to build credit, as it requires a security deposit but offers rewards on purchases. These cards cater to different needs, such as rewards, cash back, and expense management, making them suitable for various startup scenarios.

## Top Business Credit Cards for Startups Selecting the best business credit card for a startup depends on your spending patterns, cash flow needs, and desired rewards. Here’s a concise, brand-specific overview of leading options, their key features, and how they cater to startups. --- ### {{[[Brex]]:https://www.brex.com/spend-trends/corporate-credit-cards/business-credit-card-benefits}} : Tailored for High-Growth Startups - **No personal guarantee or credit check required**, making it accessible for founders with limited credit history[1]. - **High credit limits** based on company cash balance, offering significant purchasing power for early-stage companies[1]. - **Custom rewards** with high multipliers on software subscriptions, travel, rideshares, and dining—categories crucial for startups[2]. - **Flexible redemption**: Points can be redeemed for cash back, travel, statement credits, or unique perks like billboard advertising and team offsites[2]. - **Exclusive startup perks**: Discounts on legal, marketing, and business consulting services, plus no foreign transaction fees[1]. - **Expense management**: Real-time tracking and integrations with accounting software for streamlined operations[2]. --- ### {{[[Ramp]]:https://ramp.com/blog/benefits-of-business-credit-cards}} : Built for Expense Control and Savings - **Corporate card with built-in expense management**, offering detailed spend analytics and automated receipt matching[3]. - **Cashback on all purchases** (typically 1.5%), with no annual fee—simple, transparent rewards[3]. - **Higher credit limits** and flexible repayment terms, supporting cash flow during growth phases[3]. - **Partner rewards**: Vendor-specific discounts (e.g., AWS credits, office supplies) beyond standard cashback[3]. - **Advanced controls**: Set spending limits, block categories, and receive instant alerts for fraud or policy violations[3]. - **No personal guarantee** for eligible companies, similar to Brex[3]. --- ### {{[[Chase]]:https://creditcards.chase.com/business-credit-cards}} : Rewards for Diverse Business Needs - **Chase Ink Business Preferred**: Earn 3X points on travel, shipping, internet, cable, phone, and advertising (up to $150,000 annually), plus a generous sign-up bonus[2][5]. - **Chase Ink Business Unlimited**: Flat 1.5% cash back on all purchases, no annual fee, and a 0% intro APR for 12 months—ideal for predictable, everyday spending[5]. - **Chase Ink Business Cash**: 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually), plus 2% on gas and dining[5]. - **Requires a personal guarantee** and good personal credit, which may be a barrier for some founders[5]. --- ### {{[[American Express]]:https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/}} : Premium Travel and Flexible Rewards - **Amex Business Gold**: 4X Membership Rewards points on the two categories where you spend the most each month (from a select list including advertising, shipping, and gas)[2][7]. - **Amex Business Platinum**: 5X points on flights and prepaid hotels via AmexTravel.com, plus premium travel benefits and lounge access[7]. - **Annual fees are higher**, but the rewards and perks can justify the cost for startups with significant travel or advertising spend[7]. - **Requires strong personal credit** and a personal guarantee[7]. --- ### {{[[Capital One]]:https://www.capitalone.com/small-business/credit-cards/}} : Simple, Unlimited Cash Back - **Spark Cash Plus**: Unlimited 2% cash back on all purchases, no annual fee, and no foreign transaction fees—straightforward for businesses with diverse spending[2]. - **Higher credit limits** and flexible repayment options, but requires a personal guarantee[2]. - **Good for startups** that want a no-fuss, flat-rate rewards structure. --- ### {{[[Navy Federal Credit Union]]:https://www.navyfederal.org/services/business/credit-cards.html}} : Credit Union Option with No Annual Fee - **GO BIZ® Rewards**: No annual fee, no foreign transaction fees, and no earnings cap on rewards[6]. - **Choice of Visa or Mastercard**, each with added protections and business support services[6]. - **Eligibility restricted** to Navy Federal members with sufficient tenure or business history[6]. --- ## Key Considerations for Startups - **No personal guarantee**: {{[[Brex]]:https://www.brex.com/spend-trends/corporate-credit-cards/business-credit-card-benefits}} and {{[[Ramp]]:https://ramp.com/blog/benefits-of-business-credit-cards}} stand out for not requiring a personal guarantee, which is rare and valuable for founders protecting personal assets[1][3]. - **Rewards structure**: Match the card’s bonus categories to your startup’s largest expenses (e.g., software, travel, advertising)[1][2]. - **Expense management**: {{[[Ramp]]:https://ramp.com/blog/benefits-of-business-credit-cards}} and {{[[Brex]]:https://www.brex.com/spend-trends/corporate-credit-cards/business-credit-card-benefits}} offer advanced tools for tracking and controlling spend, which is critical as teams grow[2][3]. - **Sign-up bonuses**: All major issuers offer lucrative bonuses, but

Here are the top business credit cards for startups: 1. {{[[American Express Business Platinum]]:https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-card/}} : Offers extensive travel benefits, high rewards, and comprehensive business perks with a premium annual fee. 2. {{[[Chase Ink Business Preferred]]:https://creditcards.chase.com/ink-business-credit-cards/ink-business-preferred}} : Provides flexible rewards points, low annual fee, and strong signup bonus for new businesses. 3. {{[[Capital One Spark Business Cash]]:https://www.capitalone.com/business/credit-cards/spark-cash-select/}} : Ideal for small startups with simple cash back rewards and no foreign transaction fees. 4. {{[[Blue Business Plus Credit Card]]:https://www.americanexpress.com/us/credit-cards/business-credit-cards/blue-business-plus-credit-card/}} : Best for startups seeking 0% intro APR and straightforward earning structure. 5. {{[[Wells Fargo Business Platinum]]:https://www.wellsfargo.com/credit-cards/business/platinum/}} : Offers low ongoing interest rates and flexible credit limits for emerging businesses. Key selection criteria include rewards structure, annual fees, credit requirements, and specific startup needs.