Best Overall for Simple Rewards: Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card earns a flat rate of 1.5% cash back on every purchase, with no annual fee. Its simple and straightforward rewards structure makes it easy to understand and maximize value, and the absence of an annual fee keeps costs low. This card combines well with other Chase cards for more reward options and is ideal for small businesses seeking simplicity and predictable rewards across all spending categories. A potential downside is the lack of bonus categories, so you might miss out if you spend heavily in specific areas.