Why we like it

Although advertised as a cash back card, rewards are earned as Ultimate Rewards® points. These points can be redeemed for cash, travel, gift cards, and more, but what we like most is being able to combine them with other cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® to get greater value for travel, whether redeeming through Chase Travel℠ or transferring to airline and hotel partners.

The rewards structure is one of the best for business cards with no annual fee: It earns 5% cash back on the first $25,000 spent each account anniversary year in combined purchases in office supply stores, internet, cable, and phone services, 2% cash back on the first $25,000 spent each account anniversary year on restaurants and gas stations, and 1% on all other purchases.

It also has additional benefits such as travel and rental car insurance, and the rewards never expire as long as the account remains open.

Welcome Bonus

Up to $750

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Rewards

5%

5% cash back on the first $25,000 spent on office supply stores, internet, cable, and phone services each account anniversary year.

2%

2% cash back on the first $25,000 spent on restaurants and gas stations each account anniversary year.

1%

1% cash back on all other purchases.