Best Cash-Back Business Credit Cards of July 2025

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Unlimited 1.5% cash back + intro APR period

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Ink Business Cash® Credit Card

4.6

Best for Up to 5% cash back in bonus categories

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

on Chase's website

Rates & Fees

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 in bonus categories

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

on Chase's website

Rates & Fees

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

Capital One Spark Cash Plus

4.9

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

Rates & Fees

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 2% cash back + no preset spending limit

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

on Capital One's website

Rates & Fees

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 Select

4.6

Best for Unlimited 1.5% cash back

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$500

on Capital One's website

Rates & Fees

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

4.6

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$500

on Capital One's website

Rates & Fees

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

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

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

3.9

Best for Up to 3% cash back + customizable rewards

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$300

on Bank of America's website

Pros

No annual fee
High rewards rate in bonus categories
New cardholder bonus offer
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Complicated rewards
Spending caps on bonus rewards
Multiple accounts, high combined balance required to get Preferred Rewards bonus

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

Best for Up to 3% cash back + customizable rewards

3.9

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$300

on Bank of America's website

Pros

No annual fee
High rewards rate in bonus categories
New cardholder bonus offer
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Complicated rewards
Spending caps on bonus rewards
Multiple accounts, high combined balance required to get Preferred Rewards bonus

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

4.4

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

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

on U.S. Bank's website

Rates & Fees

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 + long intro APR

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

on U.S. Bank's website

Rates & Fees

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

Capital on Tap Business Credit Card

4.6

Best for Unlimited 1.5% cash back + fair credit

Annual fee

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

Capital on Tap Business Credit Card

Best for Unlimited 1.5% cash back + fair credit

4.6

Annual fee

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

The American Express Blue Business Cash™ Card

4.5

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

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

on American Express' website

Rates & Fees

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

4.5

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

on American Express' website

Rates & Fees

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

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

4.6

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

Annual fee

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

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

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

4.6

Annual fee

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

Ink Business Premier® Credit Card

4.7

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

Rates & Fees

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 Up to 2.5% cash back + welcome offer

4.7

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

on Chase's website

Rates & Fees

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

Amazon Business Prime American Express Card

4.5

Best for 5% cash back on Amazon brands

Annual fee

Rewards rate

1%-2%

Intro offer

$125

on American Express' website

Rates & Fees

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

4.5

Annual fee

Rewards rate

1%-2%

Intro offer

$125

Ink Business Unlimited® Credit Card

on American Express' website

Rates & Fees

Pros

No annual fee
No foreign transaction fees
High reward rate in bonus categories

Cons

Spending caps on bonus rewards
Prime membership required

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

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.

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Best for: 2% cash back + no preset spending limit

NerdWallet star rating:

4.9

The

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 .)

Capital One Spark Cash Select for Excellent Credit

Best for: Unlimited 1.5% cash back

NerdWallet star rating:

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 .)

Ink Business Cash® Credit Card

Best for: Up to 5% cash back in bonus categories

NerdWallet star rating:

Ink Business Cash® Credit Card

The

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.

Chase Ink Business Cash vs. Unlimited: Which Is Better for Your Business?

» MORE:

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.

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.

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.

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

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

NerdWallet star rating:

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.

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

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

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.

Best business gas credit cards

» MORE:

Capital on Tap Business Credit Card

Best for: Unlimited 1.5% cash back + fair credit

NerdWallet star rating:

Capital on Tap Business Credit Card

The

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.