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BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We buy all products with our own funds, and we never accept free products from manufacturers.Read more 

Best of the Best: Ink Business Unlimited Credit Card

Bottom Line: A flexible and consistent cash back program, 12-month 0% APR on purchases, and no annual fee make the Ink Business Unlimited a practical choice for most businesses purposes.

Pros: In addition to 1.5% cash back unlimited on businesses purchases, this card comes with a 0% introductory APR on purchases for 12 months for new accounts. Variable APR would be in the 14.74% - 20.74% range. No annual membership fee.

Cons: Rewards aren't quite as generous as those offered by similar cards, but this may not be a concern if travel isn't a major part of your business. 

 

Best Bang for the Buck: Capital One Spark Cash for Business

Bottom Line: If you are looking for a credit card for your business that offers an excellent consistent cash back program, this is the one to choose.

Pros: With 2% cash back unlimited, the Spark card is an industry leader for small businesses with medium to high expenditures. New card holders get $500 cash back when they spend just $4,500 in the first 3 months. Online account access is user-friendly.

Cons: Only the first year of membership is free, then the annual fee is $95. APRs are high, even for members with excellent credit. 

 

Also Recommended: American Express Blue Business Cash Card

Bottom Line: The generous intro APR and no membership fee make this card a suitable choice for many small businesses; however, not best for those with monthly expenses $50,000+.

Pros: Stands out for allowing members to spend above credit limits based on credit worthiness and card use. 12-month 0% APR on purchases and balance transfers and in the 14.74% - 20.74% variable range thereafter. Earns 2% cash back with the first $50,000 spent each year, then 1% after the limit is reached. No annual fee.

Cons: Due to the decrease in rewards points, this card may not be the best pick for those with monthly business expenses that exceed $50,000. 

 

Also Recommended: Ink Business Preferred Credit Card

Bottom Line: With an excellent rewards program that includes bonus points and impressive travel perks, this is an excellent choice for business owners who rely on travel.

Pros: Offers 80,000 bonus points when you spend $5,000 within the first 3 months of opening an account, which equals $1,000 in travel rewards. 3X bonus points on travel and select business categories per $1 spent up to $150,000 and 1X thereafter. Rewards points don't expire. No foreign transaction fees. Includes employee cell phone protection.

Cons: Annual membership fee is $95. Variable APR starts in the 17.49% - 22.49% range. Some card holders gripe about receiving a low credit line that didn't fit their business spending needs.

 

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Why trust BestReviews?
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We buy all products with our own funds, and we never accept free products from manufacturers.Read more 
How we decided

We purchase every product we review with our own funds — we never accept anything from product manufacturers.

52 Models Considered
10 Hours Researched
1 Experts Interviewed
678 Consumers Consulted
Zero products received from manufacturers.

We purchase every product we review with our own funds — we never accept anything from product manufacturers.

The team that worked on this review
  • Jennifer
    Jennifer
    Writer
  • Melinda
    Melinda
    Web Producer

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