Ink Business Unlimited® Credit Card

Although it is marketed as a cashback card, rewards are earned as Ultimate Rewards® points. These points can be redeemed for cash, travel, gift cards, and more, but what we like the 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 partner airlines and hotels.

It has no annual fee and the rewards structure is simple and straightforward: It earns 1.5x on all purchases, with no limit.

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