Ink Business Cash

The Ink Business Cash from Chase offers a $750 sign-up bonus worth approximately $750. You need to spend $6,000 in 3 months, which requires planning but is achievable with regular expenses.

As a business card, the Ink Business Cash does not report to personal credit bureaus (for most issuers) and does not count toward Chase's 5/24 limit — though you must be under 5/24 to be approved. You do not need an LLC to apply — sole proprietors with any side income qualify.

Beyond the sign-up bonus, the card earns 5% combined office-supply, internet, cable and phone purchases, up to $25,000 per account anniversary year, 2% combined gas-station and restaurant purchases, up to $25,000 per account anniversary year on top of 1% on other purchases. Ultimate Rewards points can be transferred to airline and hotel partners for outsized value, or redeemed at 1.25-1.5x through the Chase travel portal with a Sapphire card.

With no annual fee, this card is a keeper — you can hold it indefinitely without cost. The card requires good credit (670+).