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Best Cash Back Credit Cards for Business

Written by NerdWallet
Edited by Kenley Young
Last updated on April 19, 2022

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Using a cash-back credit card for business expenses can give you an effective discount of 1% to 5% on the things you buy for your business or side hustle. When choosing a small-business cash-back card, take a look at your expenses. If you spend a lot in traditional business categories like office supplies, gas or telecommunications, consider a card that pays bonus rewards in those areas. If your spending is all over the place, you might be better off with a flat-rate card that pays the same percentage on everything.

American Express Blue Business Cash™ Card

American Express® Blue Business Cash Card
NerdWallet rating 

2% cash back on up to $50K in purchases per year

NerdWallet rating: 
5
(out of 5)
The
American Express Blue Business Cash™ Card
 pays 2% cash back on the first $50,000 in eligible purchases each year and 1% after that. Terms apply (see rates and fees). The cap on bonus rewards reduces its appeal to high-spending entrepreneurs, but those with lesser expenses would be hard-pressed to find a richer flat rewards rate on a card with a
$0
annual fee. Rewards are automatically credited to your statement each month. 
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Capital One Spark Cash Plus

Capital One Spark Cash Plus
NerdWallet rating 

2% cash back on all purchases

NerdWallet rating: 
4.4
(out of 5)
The
Capital One Spark Cash Plus
 gives you 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? It's a charge card, so you can't revolve a balance. Plus, the 
Capital One Spark Cash Plus
has an annual fee of $
150
, although you can offset that somewhat with the stellar bonus offer for new cardholders:
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Keep in mind that the annual fee could also be a deductible business expense.

Ink Business Unlimited® Credit Card

Ink Business Unlimited℠ Credit Card
NerdWallet rating 

1.5% cash back on all purchases

NerdWallet rating: 
5
(out of 5)
As the name suggests, the 
Ink Business Unlimited® Credit Card
 pays unlimited 1.5% cash back on all purchases. It offers a doozy of a sign-up bonus for a card with a
$0
annual fee:
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Ink Business Cash® Credit Card

Chase Ink Business Cash Credit Card Credit Card
NerdWallet rating 

Up to 5% cash back in bonus categories

NerdWallet rating: 
5
(out of 5)
The
Ink Business Cash® Credit Card
 pays 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. There's also a great bonus offer:
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Capital One Spark Cash Select - $500 Cash Bonus

Capital One Spark Cash Select - $500 Cash Bonus
NerdWallet rating 

1.5% cash back on all purchases

NerdWallet rating: 
4.6
(out of 5)
The
Capital One Spark Cash Select - $500 Cash Bonus
is the
$0
-annual-fee version of Capital One's business cash-back card. The rewards rate is lower at 1.5% on all purchases (although that matches the rate on competing no-fee cards), but the bonus offer is the same:
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel.

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

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
NerdWallet rating 

Up to 3% cash back + customizable rewards

NerdWallet rating: 
3.6
(out of 5)
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
stands out because it lets you pick where you earn the richest rewards. You get 3% cash back in a category you choose from a list of six, and 2% back on dining, on up to $50,000 a year in combined spending in those areas. Other spending earns 1% back. The 3% categories, which you can change once a month, are: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; and business consulting services. If your spending doesn't fall nicely into those categories, consider the 
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
, which offers similar benefits but 
1.5%
cash back on all purchases instead.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
NerdWallet rating 

Up to 3% cash back + long intro APR

If your business or side hustle has you paying a lot for gas, office supplies or mobile phone service, check out the 
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
. It pays 3% cash back on net purchases at gas stations, restaurants, office supply stores and cell service providers, and 1% back on everything else. The card offers a competitive welcome bonus, plus:
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 16.24%-25.24% Variable APR
.

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
To view rates and fees of the
American Express Blue Business Cash™ Card
, see this page.

Compare Cards

NerdWallet rating 
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NerdWallet rating 
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NerdWallet rating 
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Annual fee

0

Annual fee

150

Annual fee

0

Regular APR

15.49%-23.49% Variable APR

Rates & Fees

Regular APR

N/A

Regular APR

14.74%-20.74% Variable APR

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended credit score

690-850good - excellent

Recommended credit score

690-850good - excellent

Recommended credit score

690-850good - excellent
On a similar note...

2% Cash Back, No Preset Spending Limit

Earn unlimited 2% cash back on your business spending with the Spark Cash Plus from Capital One.

Apply Now

with Capital One

Capital One Spark Cash Plus