Best Cash-Back Business Credit Cards of June 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.
Apply nowBest Cash-Back Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card on Chase's website |  BEST SMALL BUSINESS CREDIT CARD OF 2025 | $0 | 1.5% Cashback | $750 | on Chase's website | |
| Pros
Cons
| ||||||
 Capital One Spark Cash Plus on Capital One's website | No preset spending limit | $150 | 2%-5% Cashback | $2,000 | on Capital One's website | |
| Pros
Cons
| ||||||
 Capital One Spark Cash on Capital One's website | Unlimited 2% cash back | $0 intro for the first year, then $95 | 2%-5% Cashback | $1,500 | on Capital One's website | |
| Pros
Cons
| ||||||
 Ink Business Premier® Credit Card on Chase's website | Large purchases (up to 2.5% cash back) | $195 | 2%-5% Cashback | $1,000 | on Chase's website | |
| Pros
Cons
| ||||||
 Ink Business Cash® Credit Card on Chase's website | Up to 5% cash back | $0 | 1%-5% Cashback | $350 | on Chase's website | |
| Pros
Cons
| ||||||
 Capital One Spark Cash Select on Capital One's website | Unlimited 1.5% cash back | $0 | 1.5%-5% Cashback | $500 | on Capital One's website | |
| Pros
Cons
| ||||||
 Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card on Bank of America's website | Choosing your bonus categories | $0 | 1%-3% Cashback | $300 | on Bank of America's website | |
| Pros
Cons
| ||||||
 U.S. Bank Triple Cash Rewards Visa® Business Card on U.S. Bank's website | Up to 3% cash back | $0 | 1%-5% Cashback | $500 | on U.S. Bank's website | |
| Pros
Cons
| ||||||
 Capital on Tap Business Credit Card on Capital on Tap's website | Cash-back card for fair credit | $0 | 1.5% | N/A | on Capital on Tap's website | |
| Pros
Cons
| ||||||
 The American Express Blue Business Cash™ Card on American Express' website | Small, new businesses (up to 2% cash back) | $0 | 1%-2% Cashback | $250 | on American Express' website | |
| Pros
Cons
| ||||||
 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card on Bank of America's website | Bank of America customers | $0 | 1.5% Cashback | $300 | on Bank of America's website | |
| Pros
Cons
| ||||||
 Amazon Business Prime American Express Card on American Express' website | 5% cash back on Amazon brands | $0 | 1%-2% | $125 | on American Express' website | |
| Pros
Cons
| ||||||
Here are the best cash-back business credit cards
2025 BEST CREDIT CARD
SMALL BUSINESS
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
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
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
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
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
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on Capital One's website
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
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on Capital One's website
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
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Chase's website
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)
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Chase's website
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
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
on Chase's website
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%-5%
Cashback
Intro offer
$500
on Capital One's website
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
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
on Capital One's website
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
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
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
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
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
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)
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
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
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
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
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
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
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
on American Express' website
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
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.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Wells Fargo Signify Business Cash℠ Card
Choosing a cash-back business card
Cash-back rewards can take a few different forms. Here’s what to consider when weighing different options:
- 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 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 purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Bonus categories can have caps, too. The U.S. Bank Triple Cash Rewards Visa® Business Card is an anomaly; most cards 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.
» MORE: Best business cards for ad spend
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
Notes from card issuers