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Best Cash-Back Business Credit Cards of April 2025

The best cash-back business credit cards offer up to 5% back on every dollar you spend — making everything your business buys effectively a little cheaper.
Written by

Kelsey Sheehy

Edited by

Ryan Lane

Last updated on April 15, 2025

Fact checked and reviewed
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Here are the best cash-back business credit cards

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Here are the best cash-back business credit cards

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Best of awards Nerdwallet's badge2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9 

Best for Overall cash-back business card

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall cash-back business card

4.9 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Capital One Spark Cash Plus

4.9 

Best for No preset spending limit

Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Best for No preset spending limit

4.9 
Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash

4.7 

Best for Unlimited 2% cash back

Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%

Cashback

Intro offer
$750
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash

Best for Unlimited 2% cash back

4.7 
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%

Cashback

Intro offer
$750
Apply now

on Capital One's website

Rates & Fees

Ink Business Premier® Credit Card

4.7 

Best for Large purchases (up to 2.5% cash back)

Annual fee
$195
Rewards rate
2%-5%

Cashback

Intro offer
$1,000
Apply now

on Chase's website

Rates & Fees

Ink Business Premier® Credit Card

Best for Large purchases (up to 2.5% cash back)

4.7 
Annual fee
$195
Rewards rate
2%-5%

Cashback

Intro offer
$1,000
Apply now

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

4.6 

Best for Up to 5% cash back

Annual fee
$0
Rewards rate
1%-5%

Cashback

Intro offer
$350
Apply now

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

Best for Up to 5% cash back

4.6 
Annual fee
$0
Rewards rate
1%-5%

Cashback

Intro offer
$350
Apply now

on Chase's website

Rates & Fees

Capital One Spark Cash Select

4.6 

Best for Unlimited 1.5% cash back

Annual fee
$0
Rewards rate
1.5%-5%

Cashback

Intro offer
$500
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Select

Best for Unlimited 1.5% cash back

4.6 
Annual fee
$0
Rewards rate
1.5%-5%

Cashback

Intro offer
$500
Apply now

on Capital One's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4 

Best for Up to 3% cash back

Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Up to 3% cash back

4.4 
Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

Capital on Tap Business Credit Card

4.6 

Best for Cash-back card for fair credit

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now

on Capital on Tap's website

Capital on Tap Business Credit Card

Best for Cash-back card for fair credit

4.6 
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now

on Capital on Tap's website

The American Express Blue Business Cash™ Card

4.5 

Best for Small, new businesses (up to 2% cash back)

Annual fee
$0
Rewards rate
1%-2%

Cashback

Intro offer
$250
Apply now

on American Express' website

Rates & Fees

The American Express Blue Business Cash™ Card

Best for Small, new businesses (up to 2% cash back)

4.5 
Annual fee
$0
Rewards rate
1%-2%

Cashback

Intro offer
$250
Apply now

on American Express' website

Rates & Fees

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6 

Best for Bank of America customers

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$300
Apply now

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Best for Bank of America customers

4.6 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$300
Apply now

on Bank of America's website

Amazon Business Prime American Express Card

4.5 

Best for 5% cash back on Amazon brands

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now

on American Express' website

Rates & Fees

Amazon Business Prime American Express Card

Best for 5% cash back on Amazon brands

4.5 
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now

on American Express' website

Rates & Fees

Other cash-back business cards to consider

The following cash-back business cards are either not available via NerdWallet or fall below the four-star requirement to make our top picks. But we think they're still worth considering.

Choosing a cash-back business card

Cash-back rewards can take a few different forms. Here’s what to consider when weighing different options:
  • Some offer flat-rate rewards. These cards pay a set percentage back on every purchase, no matter what it is. For instance, the
    Ink Business Unlimited® Credit Card
    pays
    1.5
    % 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, but
    The American Express Blue Business Cash™ Card
    limits 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 the
    U.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. The
    U.S. Bank Triple Cash Rewards Visa® Business Card
    is an anomaly; most cash with bonus categories cap how much you can earn. Take the
    Ink 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.

How can your business redeem cash-back rewards?

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.

Are cash-back rewards taxable?

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.
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.
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
.
View rates and fees of
Capital One Spark Cash
.
Last updated on April 15, 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.
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Best of Awards Desktop
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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website