Best Cash-Back Business Credit Cards of May 2025

• 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. Some flat-rate cards offer unlimited cash back, but others only pay their highest rewards rate up to a certain amount of spending. For example,

  The American Express Blue Business Cash™ Card

  has this structure:

  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:

  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

  Ink Business Cash® Credit Card

  works this way:

  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.

• 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.

Are cash back rewards taxable?