Best Cash-Back Business Credit Cards of August 2025

Earn up to 5% with these cash-back business credit cards.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

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

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

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

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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A cash-back business credit card helps your company's money go further. These cards reward your spending, essentially offering you 1% to 5% off business expenses — typically as a statement credit. Some of the best cash-back business credit cards include:
There are two types of cash-back business cards: flat-rate cards and cards with bonus categories. A business credit card with bonus categories, like office supplies, gas or telecommunications, is great for businesses that reliably spend a lot in those areas. A flat-rate cash-back card is better for businesses with varied spending — or those that don’t want to track multiple cards.
But combining cash-back business cards can maximize rewards. If your books show consistent spending in a common bonus category like advertising, consider using a dedicated cash-back card for those purchases and a flat-rate option for everything else. Cash-back business cards typically have no annual fee so there's no cost to carry multiple cards. While there will be more cards to manage, you'll also earn more rewards.

250+ small-business products

reviewed and rated by our team of experts.

80+ years of combined experience

covering small-business and personal finance.

Objective comprehensive business credit card ratings rubric (

Methodology

).

NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's

strict editorial guidelines

to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.

While all of our picks for cash-back business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those that are available from our partners. You can jump to our full editorial picks section for our complete list of best business credit cards, including those not available through NerdWallet.

Here are the best cash-back business credit cards

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Unlimited 1.5% cash back + intro APR period

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Unlimited 1.5% cash back + intro APR period

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Ink Business Cash® Credit Card

Best for Up to 5% cash back in bonus categories

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Best for Up to 5% cash back in bonus categories

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Capital One Spark Cash Plus

Best for 2% cash back + no preset spending limit

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Best for 2% cash back + no preset spending limit

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

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

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

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

Best for Up to 3% cash back + customizable rewards

Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Up to 3% cash back + customizable rewards

Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Up to 3% cash back + long intro APR

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

Best for Up to 3% cash back + long intro APR

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital on Tap Business Credit Card

Best for Unlimited 1.5% cash back + fair credit

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Best for Unlimited 1.5% cash back + fair credit

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

The American Express Blue Business Cash™ Card

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

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

The American Express Blue Business Cash™ Card

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

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

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

Best for Cash back boost (up to 75% more)

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Cash back boost (up to 75% more)

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Premier® Credit Card

Best for Up to 2.5% cash back + welcome offer

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

Ink Business Premier® Credit Card

Best for Up to 2.5% cash back + welcome offer

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

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

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

NerdWallet's editorial picks: Best cash-back business credit cards

Wells Fargo Signify Business Cash℠ Card

Best for: Overall cash-back business credit card (unlimited 2% cash back)
NerdWallet star rating:
Among big-name card issuers, the Wells Fargo Signify Business Cash℠ Card is the only no-annual-fee business credit card to offer all business owners unlimited 2% back on all purchases. Combine that high rewards rate with a long intro APR period and a competitive welcome offer — earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first three months — and you have a top-notch card that is unmatched on simplicity and ongoing value. Note: You need to have a Wells Fargo checking or savings account to apply for the Wells Fargo Signify Business Cash℠ Card. Other applicants need to visit a branch location. Read our full review.

Ink Business Unlimited® Credit Card

Best for: Unlimited 1.5% cash back + intro APR period
NerdWallet star rating: 4.9
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 $6,000 on purchases in the first 3 months from account opening. Plus, you'll get 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% Variable APR. Learn more and apply.

Capital One Spark Cash Plus

Best for: 2% cash back + no preset spending limit
NerdWallet star rating: 4.9
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. It's a charge card, so there's also no preset spending limit. The downside: You can't revolve a balance. And the Capital One Spark Cash Plus has an annual fee of $150, though you can offset that if you spend enough to snag the welcome offer : Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year. Keep in mind that the annual fee could also be a deductible business expense. (See rates and fees .) Learn more and apply.

Capital One Spark Cash Select for Excellent Credit

Best for: Unlimited 1.5% cash back
NerdWallet star rating: 4.6
The Capital One Spark Cash Select 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's travel booking site. (See rates and fees .) Learn more and apply.

Ink Business Cash® Credit Card

Best for: Up to 5% cash back in bonus categories
NerdWallet star rating: 4.6
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 $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Learn more and apply.

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

Best for: Up to 3% cash back + long intro APR
NerdWallet star rating: 4.4
The U.S. Bank Triple Cash Rewards Visa® Business Card is a solid cash-back card for business owners. 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. Plus, the card offers a competitive welcome bonus and long intro APR period (on purchases and balance transfers) — all with a $0 annual fee. Learn more and apply.

The American Express Blue Business Cash™ Card

Best for: 2% cash back on up to $50K in purchases per year
NerdWallet star rating: 4.5
The American Express Blue Business Cash™ Card cash back offer has two parts: 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. ( 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. Learn more and apply.

Ink Business Premier® Credit Card

Best for: Up to 2.5% cash back + welcome offer
NerdWallet star rating: 4.7
This business charge card delivers with a generous welcome offer, a high initial spending limit and a better cash-back rate for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. You have to pay your balance in full each month, but there is an option to finance certain purchases, up to a set limit. Learn more and apply.

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

Best for: Cash back boost (up to 75% more)
NerdWallet star rating: 4.6
If your spending doesn't align with typical bonus categories, consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. This card offers 1.5% cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.

Amazon Business Prime American Express Card

Best for: 5% cash back on Amazon brands
NerdWallet star rating: 4.5
The Amazon Business Prime American Express Card is available to Amazon Prime and Business Prime members. It lets you choose between 90 days of interest-free financing on Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases or an impressive 5% cash back on the first $120,000 spent within those categories (1% after that). All cardholders earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases. Terms Apply.Learn more and apply and see rates and fees .

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

Best for: Up to 3% cash back + customizable rewards
NerdWallet star rating: 3.9
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. Learn more and apply.

Capital on Tap Business Credit Card

Best for: Unlimited 1.5% cash back + fair credit
NerdWallet star rating: 4.6
The Capital on Tap Business Credit Card issued by WebBank offers 1.5% cash back on all purchases, has no annual fee and the potential for a low APR. Capital on Tap says that business owners with fair credit (typically considered a FICO score between 630 and 689) can qualify, though those with a score above 670 stand the best chance of approval. That limit is till lower than other business cards. However, the Capital on Tap Business Credit Card is not currently available to sole proprietors, which excludes the vast majority of businesses. Learn more and apply.

What is a cash-back business credit card?

Cash-back business credit cards offer a certain percentage back on every dollar you spend — making everything your business buys effectively a little cheaper.
Cash-back rewards can take a few different forms. Here’s what to know when considering 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. 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.
Combining card types is one way to maximize the total cash back your business earns. For example, say you have the Ink Business Cash® Credit Card (which offers bonus categories) and the Ink Business Unlimited® Credit Card (a flat-rate card). If you max out the 5% categories on the former, you’d earn $1,250 — $875 more than you’d earn if you only used the latter card.
On the other hand, say you spent $100,000 in non-bonus categories. At 1.5% unlimited cash back, the Ink Business Unlimited® Credit Card puts an extra $500 in your pocket when compared to the 1% of the Ink Business Cash® Credit Card. Tracking which card to use where can be more time-consuming, but also potentially more beneficial.

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.
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.
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.

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.