The annual fee for the Ink Business Cash is $0, making it a good choice for small businesses. However, you need to be aware of the $39 late payment, 3 percent foreign transaction fee, and 5 percent balance transfer fee (or $5 fee, whichever is higher). If you carry a balance on the card, you will be subjected to the 15.49 percent to 21.49 percent variable APR rate after the initial 0 introductory APR ends.