Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A cash-back business credit card helps your company's money go further. These cards reward your spending, essentially offering you 1% to 5% off business expenses — typically as a statement credit, though some cards let you redeem cash back as points for travel. Businesses can choose a flat-rate business credit card, which gives the same cash-back rate for all purchases, or a card that pays a higher rate in certain bonus categories (advertising, office supplies, gas, cell phone service, etc.).
Best cash-back business credit cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for choosing your bonus categories.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash-back boost for Bank of America customers.
- Capital on Tap Business Credit Card: Best cash-back card for fair credit.
- Capital One Spark Cash: Best for unlimited 2% back + no foreign transaction fees.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back + no foreign transaction fees.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office expenses.
- Ink Business Premier® Credit Card: Best for 2.5% back on purchases of $5,000 or more.
- Ink Business Unlimited® Credit Card: Best overall cash-back business card.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for 2% back on up to $50K in purchases per year.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back + no cap on bonus categories.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back + no annual fee.
While all of our picks for cash-back business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
🤓 Nerdy Tip
Combine cash-back cards to maximize your rewards. If your books show consistent spending in a common bonus category like advertising, use a dedicated card for those purchases and a flat-rate option for everything else.Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A cash-back business credit card helps your company's money go further. These cards reward your spending, essentially offering you 1% to 5% off business expenses — typically as a statement credit, though some cards let you redeem cash back as points for travel. Businesses can choose a flat-rate business credit card, which gives the same cash-back rate for all purchases, or a card that pays a higher rate in certain bonus categories (advertising, office supplies, gas, cell phone service, etc.).
Best cash-back business credit cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for choosing your bonus categories.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash-back boost for Bank of America customers.
- Capital on Tap Business Credit Card: Best cash-back card for fair credit.
- Capital One Spark Cash: Best for unlimited 2% back + no foreign transaction fees.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back + no foreign transaction fees.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office expenses.
- Ink Business Premier® Credit Card: Best for 2.5% back on purchases of $5,000 or more.
- Ink Business Unlimited® Credit Card: Best overall cash-back business card.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for 2% back on up to $50K in purchases per year.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back + no cap on bonus categories.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back + no annual fee.
While all of our picks for cash-back business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
🤓 Nerdy Tip
Combine cash-back cards to maximize your rewards. If your books show consistent spending in a common bonus category like advertising, use a dedicated card for those purchases and a flat-rate option for everything else.Here are the best cash-back business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Best Small Business Credit Card 2025 Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
No preset spending limit Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Unlimited 2% back + no foreign transaction fees Capital One Spark Cash Apply now on Capital One's website Rates & Fees | 4.7/5 | $0 intro for the first year, then $95 | 2%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
2.5% back on purchases of $5,000 or more Ink Business Premier® Credit Card Apply now on Chase's website | 4.7/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Up to 5% cash back on office expenses Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Unlimited 1.5% cash back + no foreign transaction fees Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.6/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Choosing your bonus categories Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 3.9/5 | $0 | 1%-3% Cashback | $300 | Apply now on Bank of America's website |
Up to 3% cash back + no cap on bonus categories U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Cash-back card for fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
2% back on up to $50K in purchases per year The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Cash-back boost for Bank of America customers Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.6/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
5% cash back on Amazon brands Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Overall cash-back business card
Best Small Business Credit Card 2025
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Best Small Business Credit Card 2025
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The
Ink Business Unlimited® Credit Card
is a triple threat, with unlimited flat-rate rewards (1.5% cash back), a lengthy intro APR period and a generous sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Plus, your cash back is earned as Chase Ultimate Rewards points, which can be redeemed for a statement credit or for travel, among other things, making the rewards more flexible and potentially more valuable than those from other top-rated cards.- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
No preset spending limit
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Unlimited 2% cash back on all purchases with no bonus categories to track or spending caps to worry about. That's pretty much the best you can do on a flat-rate card with uncapped rewards. The complications? An annual fee of $
150
, though you can offset that if you spend enough to snag the welcome offer. (CapOne will also refund it if you spend $150,000 annually on the card.) Plus, it's a charge card, so you can't revolve a balance — but you're also not tied to a preset credit limit as a result.- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Unlimited 2% back + no foreign transaction fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Cashback
Intro offer
$750
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Cashback
Intro offer
$750
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
There are two reasons for businesses to love this card: it earns
2
% back on all purchases and has no foreign transaction fee. But unlike most cash-back cards, this one does have an annual fee ($0 intro for the first year, then $95
). Also worth noting: All activity is reported to consumer credit bureaus, rather than just non-payment or delinquent balances, so carrying a balance on this card could negatively impact your personal credit.- For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- $0 annual fee for the first year; $95 after that
View Rates & Fees
Our pick for
2.5% back on purchases of $5,000 or more
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
The Ink Premier's default rewards rate of 2% is top notch, but the card stands out among the cash-back crowd with a unique perk: Earn unlimited 2.5% total cash back on purchases of $5,000 or more. The Ink Premier also boasts one of the best sign-up offers on the market. The catch? This is largely a pay-in-full card, and it charges a hefty fee — especially for a cash-back option.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Up to 5% cash back on office expenses
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Earn 5% cash back on the first $25,000 in combined purchases each account year at office supply stores and on internet, cable and phone services; 2% on the first $25,000 in combined purchases each account year at gas stations and restaurants; and 1% elsewhere. If those categories match your expenses, you can rack up serious rewards, although the spending caps put a bit of a damper on things.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Unlimited 1.5% cash back + no foreign transaction fees
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
The
Capital One Spark Cash Select
earns 1.5% cash back on all purchases, has no annual fee and does not charge a foreign transaction fee (a rare feature for a cash-back card). There's a nice welcome offer, too. The downside: All activity on this card is reported to consumer credit bureaus, which could impact your personal credit score.- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Choosing your bonus categories
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
lets you pick where you earn the richest rewards: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; or business consulting services. And Bank of America Preferred Rewards for Business members can get an additional boost (up to 75%) on top of those rewards.- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Up to 3% cash back + no cap on bonus categories
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Most business cards with bonus categories cap how much spending can qualify for that higher rate. Not the
U.S. Bank Triple Cash Rewards Visa® Business Card
. You'll earn 3% cash back on purchases at gas stations, restaurants, office supply stores and cell service providers, with no cap. And 1% back on everything else. There's also a competitive welcome bonus and a long intro APR period.- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Cash-back card for fair credit
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
The
Capital on Tap Business Credit Card
has a lot going for it: 1.5%
cash back on all purchases (2% if you opt for automatic weekly repayment), no annual fee and the potential for a low APR. Plus, the issuer says applicants with fair credit (typically a personal FICO score between 630 and 689) can qualify, though business owners with a score of 670 stand the best chance of approval . Note: You'll need an excellent credit score to snag that low APR.- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.49% to 43.49% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
2% back on up to $50K in purchases per year
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
If you spend less than $50,000 per year, this card offers a rich flat rewards rate with a
$0
annual fee. While the welcome offer is small, it's also relatively easy for very small businesses to earn. - Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Cash-back boost for Bank of America customers
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
This cash-back card is hard to beat if you're a Bank of America customer and can qualify for its Preferred Rewards for Business Platinum Honors tier. Doing so can earn you an unlimited 2.62% cash back on all purchases. Don't qualify for Preferred Rewards for Business? The standard unlimited 1.5% rate is perfectly solid for a no annual fee card.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
5% cash back on Amazon brands
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
Business owners can earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases. You'll also earn 2% at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers. There's no annual fee, but you need to be an Amazon Prime or Business Prime member to apply.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
View Rates & Fees
Wells Fargo Signify Business Cash℠ Card
Best for: Overall cash-back business credit card (unlimited 2% cash back)
NerdWallet star rating: 5
Among big-name card issuers, the Wells Fargo Signify Business Cash℠ Card is the only no-annual-fee business credit card to offer all business owners unlimited 2% back on all purchases. Combine that high rewards rate with a long intro APR period and a competitive welcome offer — earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first three months — and you have a top-notch card that is unmatched on simplicity and ongoing value. Note: You need to have a Wells Fargo checking or savings account to apply for the Wells Fargo Signify Business Cash℠ Card. Other applicants need to visit a branch location. Learn more.
Cash-back business credit cards offer a certain percentage back on every dollar you spend — making everything your business buys effectively a little cheaper.
Cash-back rewards can take a few different forms. Here’s what to know when considering different options:
- Some offer flat-rate rewards. These cards pay a set percentage back on every purchase, no matter what it is. For instance, theInk Business Unlimited® Credit Cardpays1.5% cash back. If you spent $10,000 per month on that credit card, you’d get $150 back each month.
- Rewards can have caps. Most flat-rate cards offer unlimited cash back, butThe American Express Blue Business Cash™ Cardlimits its 2% rate:Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.So if you spend $100,000 on that card, you’ll earn $1,500 cash back in total — $1,000 on the first $50,000 and then $500 after that.
- Rewards can be category specific. With bonus category cards, you’ll earn extra-high cash-back rates on certain types of purchases, like gas, office supplies or ad spend. These cards often pay a flat rate on everything else, too. Take theU.S. Bank Triple Cash Rewards Visa® Business Card, which offers the following:Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- Bonus categories can have caps, too. TheU.S. Bank Triple Cash Rewards Visa® Business Cardis an anomaly; most cash with bonus categories cap how much you can earn. Take theInk Business Cash® Credit Card, for example:Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn. After you’ve spent $25,000, your rewards rate on those bonus categories drops to 1% — the rate you earn on all other spending.
Combining card types is one way to maximize the total cash back your business earns. For example, say you have the
Ink Business Cash® Credit Card
(which offers bonus categories) and the Ink Business Unlimited® Credit Card
(a flat-rate card). If you max out the 5% categories on the former, you’d earn $1,250 — $875 more than you’d earn if you only used the latter card.On the other hand, say you spent $100,000 in non-bonus categories. At 1.5% unlimited cash back, the
Ink Business Unlimited® Credit Card
puts an extra $500 in your pocket when compared to the 1% of the Ink Business Cash® Credit Card
. Tracking which card to use where can be more time-consuming, but also potentially more beneficial. When you get your business credit card statement, you’ll also get the rewards you earned during that statement period. You typically have a few options for redeeming those cash-back rewards:
- Getting a cash deposit in your bank account. This transfers whatever you’ve earned directly into a checking account.
- Getting statement credit. This option applies your rewards to your statement balance, reducing the amount you owe.
- Redeeming for other rewards through your credit card’s portal. You may have the option to use your cash-back rewards to pay for travel or other special rewards, like gift cards, through your credit card issuer’s website. Sometimes rewards go further when you redeem them this way, though the rules vary by credit card issuer.
Check your card agreement to understand your redemption options. While you often can choose how you want your cash back, that won't always be the case.
The American Express Blue Business Cash™ Card
, for instance, automatically credits cash back to your account. In general, no, credit card rewards aren’t taxed. The IRS treats rewards like discounts — similar to a rebate when you buy a pair of glasses — rather than income. The rules may be different for your business, though. If you deduct purchases made on your card as business expenses, for example, the rewards you earn would reduce the amount of those expenses. That could mean a smaller deduction at tax time.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.To view rates and fees of the
Amazon Business Prime American Express Card
, see this page.View rates and fees of
Capital One Spark Cash Plus
.View rates and fees of
Capital One Spark Cash Select
.The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on February 3, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
