The Chase Ink Business Cash® Credit Card (see rates and fees) was the first business credit card I ever opened, and it’s my number one recommendation today for small businesses.
It’s not just my opinion — my whole team thinks so too. Motley Fool Money just named it our Best Business Credit Card of 2026.
If you run a small business, side hustle, or even a one-person LLC, this card checks a rare combo of boxes: a massive welcome offer, a great 0% intro APR offer on new purchases, and some of the strongest everyday cash back rates around.
Why this card wins best business card of 2026
The main reason this business card fits so many businesses is because it keeps paying you back in lots of places, instead of shining in just one small niche.
You get no annual fee, straightforward cash back, and built-in breathing room thanks to the 0% Intro APR on Purchases for 12 months (a 16.99% – 24.99% Variable APR applies after). That’s huge when you’re covering startup costs, inventory, software, or marketing early on.
It also earns higher cash back in places real businesses spend money, not luxury perks you’ll never use. That’s why it keeps showing up as a top pick year after year.
How to earn the welcome offer
This is one of the most approachable welcome offers out there.
Here’s how it works: Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Back in the day, my business spent nearly $5,000 on insurance alone. If you’ve got a large bill like that, it can potentially cover most (or even all) of the requirement on its own. If not, all those small monthly expenses can add up to earn the bonus also.
If you’re launching something new or upgrading tools in early 2026, this bonus alone can cover a surprising amount of ground.
A full year of no interest on purchases
The 0% Intro APR on Purchases for 12 months is one of the most underrated perks here for business credit cards. (When the intro period ends, a 16.99% – 24.99% Variable APR applies.)
It gives you flexibility to spread payments out on big purchases without interest while keeping cash in your business. Instead of taking out a $10,000 loan with interest and fixed payments, you could charge that expense to the card, pay about $1,000 per month, and avoid interest entirely during the first year.
There’s no balance transfer offer, so this card works best for new spending rather than moving old debt.
Ongoing cash back that keeps working
Beyond the welcome offer and 0% intro APR, this card continues to give you solid value year after year — without an annual fee.
Here’s how the ongoing rewards break down:
- 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
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other purchases
- $0 annual fee
This setup works well for many small businesses because it rewards everyday operating costs — not just one narrow category.
That said, if your business starts spending heavily outside those bonus buckets, it can make sense to pair or switch to the Ink Business Unlimited® Credit Card. That card earns a flat rate on everything, which keeps rewards simple once you outgrow category caps.
Make your business rewards bigger in 2026
This card helped me keep things simple when I opened my first business account. And since it carries no annual fee, I never had to worry about “making it worth it,” even on low spending years.
Between the welcome offer, ongoing cash back, and a full year of interest-free purchases, it’s easy to see why it earned Motley Fool Money’s top business card award for 2026.
Review the Ink Business Cash® Credit Card to see full details and find out if it fits your business.
