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 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% cash back.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- Ink Business Premier® Credit Card: Best for large purchases (up to 2.5% cash back).
- Ink Business Unlimited® Credit Card: Best overall cash-back business card.
- The American Express Blue Business Cash™ Card: Best for small, new businesses (up to 2% cash back).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back.
- Wells Fargo Signify Business Cash℠ Card: Best for 2% cash back + no annual fee.
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 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% cash back.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- Ink Business Premier® Credit Card: Best for large purchases (up to 2.5% cash back).
- Ink Business Unlimited® Credit Card: Best overall cash-back business card.
- The American Express Blue Business Cash™ Card: Best for small, new businesses (up to 2% cash back).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back.
- Wells Fargo Signify Business Cash℠ Card: Best for 2% cash back + no annual fee.
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Here are the best cash-back business credit cards
Here are the best cash-back business credit cards
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Cashback
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Overall cash-back business card
Cashback
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Cashback
on Capital One's website
Rates & Fees
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
Capital One Spark Cash Plus
Best for No preset spending limit
Cashback
on Capital One's website
Rates & Fees
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
Cashback
on Capital One's website
Rates & Fees
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
Capital One Spark Cash
Best for Unlimited 2% cash back
Cashback
on Capital One's website
Rates & Fees
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
Cashback
on Chase's website
Rates & Fees
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
Ink Business Premier® Credit Card
Best for Large purchases (up to 2.5% cash back)
Cashback
on Chase's website
Rates & Fees
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
Cashback
on Chase's website
Rates & Fees
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
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Cashback
on Chase's website
Rates & Fees
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
Cashback
on Capital One's website
Rates & Fees
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
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Cashback
on Capital One's website
Rates & Fees
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
Cashback
on U.S. Bank's website
Rates & Fees
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% cash back
Cashback
on U.S. Bank's website
Rates & Fees
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
on Capital on Tap's website
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
Capital on Tap Business Credit Card
Best for Cash-back card for fair credit
on Capital on Tap's website
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 American Express Blue Business Cash™ Card
Best for Small, new businesses (up to 2% cash back)
Cashback
on American Express' website
Rates & Fees
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
The American Express Blue Business Cash™ Card
Best for Small, new businesses (up to 2% cash back)
Cashback
on American Express' website
Rates & Fees
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
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Bank of America customers
Cashback
on Bank of America's website
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
Best for Bank of America customers
Cashback
on Bank of America's website
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
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
Amazon Business Prime American Express Card
Best for 5% cash back on Amazon brands
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
- 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.
🤓 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.- 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.