Best Cash-Back Business Credit Cards of 2026
We looked at more than 60 cash-back business credit cards. The best ones offer up to 5% back — making everything your business buys effectively a little cheaper.
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Best cash-back business credit cards
Here are our complete picks, in alphabetical order:
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for Bank of America customers.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best cash-back business card for bad credit.
- Capital on Tap Business Credit Card: Best cash-back card for fair credit.
- Capital One Spark Cash: Best for unlimited 2% cash back.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Ink Business Cash® Credit Card: Best for office supplies and telecom.
- Ink Business Premier® Credit Card: Best for large purchases (up to 2.5% cash back).
- Ink Business Unlimited® Credit Card: Best overall cash-back business card.
- Rippling Corporate Card: Best for cash-back corporate card.
- The American Express Blue Business Cash™ Card: Best for small, new businesses (up to 2% cash back).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% back in bonus categories (with no cap).
- Wells Fargo Signify Business Cash® Card: Best for unlimited 2% cash back and no annual fee.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best cash-back business cards based on their independent research and ratings.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall cash-back business card
Annual fee
$0
Rewards rate
1.5%-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
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
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
Best for Unlimited 2% cash back
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Capital One's website
Rates & Fees
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
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
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
Ink Business Cash® Credit Card
Best for Office supplies and telecom
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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 Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Unlimited bonus category cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
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
$500
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
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back and no annual fee
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
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
Rippling Corporate Card
Best for Cash-back corporate card
Annual fee
$0
Rewards rate
1.75%
Cashback
Intro offer
$500
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
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Cash Back - No Annual Fee
- 0% intro APR
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Showing 0 out of 11 cards
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall cash-back business card
Annual fee
$0
Rewards rate
1.5%-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
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
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
Best for Unlimited 2% cash back
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Capital One's website
Rates & Fees
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
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
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
Ink Business Cash® Credit Card
Best for Office supplies and telecom
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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 Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Unlimited bonus category cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
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
$500
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
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back and no annual fee
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
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
Rippling Corporate Card
Best for Cash-back corporate card
Annual fee
$0
Rewards rate
1.75%
Cashback
Intro offer
$500
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
Jump to
Other top cash-back business cards
How we chose the best cash-back business credit cards
Which cash-back business credit cards we consider
What is a cash-back business credit card?
What cash-back rates do business credit cards offer?
What kind of cash-back business card should you get?
What are common bonus categories for businesses?
Do business cards have rotating cash-back categories?
How to choose a cash-back business card
How can your business redeem cash-back rewards?
Are cash-back rewards taxable?
Table of contents
Other top cash-back business cards
The following cash-back business cards are not available via NerdWallet. Our editorial team still recommends them.
NerdWallet star rating: 4.6
Business owners can earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases. You'll also earn 2% at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers. There's no annual fee, but you need to be an Amazon Prime or Business Prime member to apply. Read our full review.
NerdWallet star rating: 4.4
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card is a great option for business owners with bad personal credit. That's typically a FICO score below 630. This secured card can help you build business credit in your company's name. Plus, you'll earn 1.5% cash back on every purchase. Read our full review.
NerdWallet star rating: 4.8
The Ink Premier's default rewards rate of 2% is top notch, but the card stands out among the cash-back crowd with a unique perk: Earn unlimited 2.5% total cash back on purchases of $5,000 or more. The Ink Premier also boasts one of the best sign-up offers on the market. The catch? This is largely a pay-in-full card, and it charges a hefty fee ($195) — especially for a cash-back option. Read our review.
How we chose the best cash-back business credit cards
NerdWallet's editorial team evaluates business credit cards on more than a dozen factors. For cash-back options, we pay close attention to:
- Base cash-back rates.
- Bonus category cash back.
- Reward caps.
- Annual fees.
- Cash equivalents.
Business cards need to earn at least 4.5 stars to make our list. We also consider cards below that number if they have standout features. For instance, the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card (4.4 stars) is a rare business card available to applicants with bad credit (typically a FICO score below 630).
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
Which cash-back business credit cards we consider
NerdWallet's editorial team focuses on cards widely available to business owners. Our writers and editors do research regional and niche options as well. But we may not list these because of their limited availability. For instance, the TD Business Solutions Credit Card is an excellent cash-back option — if you live in TD Bank's service area. (That's 15 states in the Eastern U.S., plus Washington, D.C.)
We categorize a card as "cash back" if you get the best value redeeming its rewards for money. For example, you can use points from The Blue Business® Plus Credit Card from American Express as a statement credit. You'll get just 0.6 cents per point, though. That makes it a better business travel credit card. We also rate cards with no rewards as cash-back cards.
Our team has covered or considered the following cash-back cards fpr 2026 (listed alphabetically by name). Note: Some cards may no longer be available.
A
Amazon Business American Express Card. Amazon Business Prime American Express Card. American Express® Blue Business Cash Card. American Express Plum.
B
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Bank of America Platinum Plus for Business. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. BILL Divvy Reserve Card.
C
Capital on Tap Business Credit Card. Capital One Spark Cash. Capital One Spark Cash Plus. Capital One Spark Cash Select. Capital One® Spark® Classic for Business. Charity Charge Nonprofit Business Card. Charity Charge Nonprofit Secured Business Card. Chase Ink Business Premier. Chase Ink Cash. Chase Ink Business Unlimited. Coast Fleet Card. Corpay World Elite Mastercard®. Costco Anywhere Visa® Business Card by Citi.
D
Devote Visa® Commercial Credit card.
E
Edward Jones Business Plus Mastercard®. Expensify Visa® Commercial Card.
F
FairFigure Card. First Citizens Bank Low-Interest Business Credit Card. First Citizens Premium Rewards Business Card. First Entertainment Visa Platinum Business Card. First National Bank Business Edition® Secured Mastercard® Credit Card.
H
Hello Alice Small Business Secured Mastercard®. Huntington Voice Business Credit Card℠.
I
IO Card.
L
Lili BusinessBuild Card.
M
M&T Bank Business Credit Card. Metro Business Builder Visa Credit Card.
N
Navy Federal Go Biz Rewards credit card.
P
Pacific Premier Bank Business Edition Secured Visa Card. PNC Visa® Business Credit Card.
R
Ramp Card. Revenued Business Card Visa Commercial Credit Card. Rho Corporate Card. Rippling Corporate Card.
S
Security Service Power Business MasterCard®. Square Credit Card. State Farm Business Cash Rewards Visa Signature® Card. Stripe Corporate Card. Suncoast Credit Union Business Secured Visa.
T
TD Business Solutions Credit Card. Truist Business Card. Truist Business Cash Rewards Card. Truist Business Premium Visa Infinite Card.
U
U.S. Bank Business Platinum Card. U.S. Bank Commercial Rewards Card. U.S. Bank Triple Cash Rewards Visa® Business Card. UBS Cash Rewards Card. Umpqua Bank Visa Business Card.
V
Valley Bank Visa® Secured Business Credit Card.
W
Wells Fargo Signify Business Cash℠.
What is a cash-back business credit card?
A cash-back business credit card earns you money with every purchase you make. How much depends on the card. A common flat rate is 1.5% per dollar spent. So if you charged $1,000, you'd earn $15 cash back.
Some cards have different rates based on what you buy. For instance, you may get 3% cash back at gas stations and restaurants, but 1% everywhere else. Those are bonus category cards.
What cash-back rates do business credit cards offer?
Here's a breakdown of the cash-back rates for our top picks. Some business cards have different rates for different purchases. Those cards appear multiple times below.
- Amazon Business Prime American Express Card. Unlimited 1% cash back on non-bonus category purchases.
- Ink Business Cash® Credit Card. Unlimited 1% cash back on non-bonus category purchases.
- U.S. Bank Triple Cash Rewards Visa® Business Card. Unlimited 1% cash back on non-bonus category purchases.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. Unlimited 1.5% cash back on all purchases.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card. Unlimited 1.5% cash back on all purchases.
- Capital on Tap Business Credit Card. Unlimited 1.5% cash back on all purchases.
- Capital One Spark Cash Select. Unlimited 1.5% cash back on all purchases (see
- Ink Business Unlimited® Credit Card. Unlimited 1.5% cash back on all purchases.
- Rippling Corporate Card. Unlimited 1.75%% cash back on all purchases.
- Amazon Business Prime American Express Card. Unlimited 2% cash back at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers. Terms apply.
- Capital One Spark Cash. Unlimited 2% cash back on all purchases (see
- Capital One Spark Cash Plus. Unlimited 2% cash back on all purchases (see
- Ink Business Cash® Credit Card. 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (1% thereafter).
- Ink Business Premier® Credit Card. Unlimited 2% cash back on purchases less than $5,000.
- The American Express Blue Business Cash™ Card. 2% cash back on all eligible purchases up to $50,000 per calendar year (1% thereafter). Terms apply.
- Wells Fargo Signify Business Cash® Card. Unlimited 2% cash back on all purchases.
- Ink Business Premier® Credit Card. Unlimited 2.5% cash back on purchases of $5,000 or more.
- U.S. Bank Triple Cash Rewards Visa® Business Card. Unlimited 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).
- Amazon Business Prime American Express Card. 5% cash back on the first $120,000 spent in combined U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (1% thereafter). Terms apply.
- Capital One Spark Cash. Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel. (see
- Capital One Spark Cash Plus. Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel. (see
- Ink Business Cash® Credit Card. 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 (1% thereafter).
- Ink Business Premier® Credit Card. Unlimited 5% cash back on travel purchased through Chase Travel℠.
- U.S. Bank Triple Cash Rewards Visa® Business Card. Unlimited 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
What kind of cash-back business card should you get?
A flat-rate card can benefit any business owner — especially if it has no annual fee. If you only want one business credit card, go with a flat-rate option.
But combining cash-back cards can maximize your rewards. Check your books for consistent spending in common bonus categories. Use a dedicated card for those purchases and a flat-rate option for everything else.
What are common bonus categories for businesses?
Business card issuers tailor bonus categories to meet common company expenses. You can get cash-back business cards with elevated reward rates for:
- Office supply stores.
- Internet, cable and phone services.
- Restaurants.
Co-branded cash-back business cards also offer strong rates. For instance, if your business relies on Amazon services, the Amazon Business Prime American Express Card is a great choice. You'll earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases.
Do business cards have rotating cash-back categories?
You typically won't find rotating cash-back categories for business cards. This is different from personal credit cards. Many of those cards require you to remember to "activate" new categories each quarter.
Some business credit cards may let you choose which categories get higher rates, though. For instance, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card does this. You can opt for 3% cash back among options like gas stations and EV charging stations, office supply stores and travel.
How to choose a cash-back business card
- Determine your goals. Figuring out what you want in a card will make it easier to find the right fit. Are you looking to maximize rewards? That might take some work. But if you simply want to tap into extra capital or build business credit, any card can check those boxes.
- Consider fees. Most cash-back business cards don't charge annual fees. That doesn't mean you'll avoid other costs. For instance, foreign transaction fees are common among these cards. Capital One is a notable exception. Look to their cards if you'll charge a lot overseas.
- Look at your spending. This will help you decide between flat-rate and bonus cash back. Go for flat rate if your expenses are all over the map. Know you spend a lot on something like gas? Opt for a bonus category card with higher rewards on that instead.
- Check for spending caps. Most flat-rate cards offer unlimited cash back, but not all. The American Express Blue Business Cash™ Card caps its highest rate, for instance. Limits are much more common on bonus category cards.
- Factor in other benefits. Do you have a big purchase coming up? A business card with a long 0% intro APR period could come in handy. Upfront spending could also net you a nice welcome bonus.
- Do some math (or have AI do it). A card with an annual fee or cap might actually net you the most money. You'll need to do some modeling to calculate that. AI can be a great time-saver. Prompt your tool of choice with the relevant details (fees, cash-back rates, your spending, bonus amounts, etc.). Then, ask for break-even points and total rewards to compare different cards.
How can your business redeem cash-back rewards?
You typically have a few options for redeeming those cash-back rewards:
- Statement credit. Apply your rewards to your statement balance, reducing the amount you owe. This is the most common option and, in some cases, the only option. The American Express Blue Business Cash™ Card, for instance, automatically credits cash back to your account.
- Cash deposit in your bank account. Transfer cash-back rewards directly into a checking account. The bank account must be through the card issuer. Chase used to allow transfers to an outside bank account. That ends March 27, 2026.
- Check. Have the issuer cut you a check for all or part of your cash rewards balance.
Here are the options for individual business cards:
| Statement credit | Check | Deposit to bank account (with issuer) | |
|---|---|---|---|
| Amazon Business Prime American Express Card | ✔️ | ||
| Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | ✔️ | ✔️ | ✔️ |
| Capital on Tap Business Credit Card | ✔️ | ||
| Capital One Spark Cash | ✔️ | ✔️ | |
| Capital One Spark Cash Plus | ✔️ | ✔️ | |
| Capital One Spark Cash Select | ✔️ | ✔️ | |
| Ink Business Cash® Credit Card | ✔️ | ✔️ | |
| Ink Business Premier® Credit Card | ✔️ | ✔️ | |
| Ink Business Unlimited® Credit Card | ✔️ | ✔️ | |
| Rippling Corporate Card | ✔️ | ||
| The American Express Blue Business Cash™ Card | ✔️ | ||
| U.S. Bank Triple Cash Rewards Visa® Business Card | ✔️ | ✔️ | |
| Wells Fargo Signify Business Cash® Card | ✔️ |
Beyond straight cash back, some cards offer additional redemption options. The Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card earn cash back as Ultimate Rewards points. One cent equals one point, and you can use those in the Chase Travel portal. Other cards let you opt for gift cards, charitable donations or direct purchases — you can apply Amazon Business Prime American Express Card rewards when checking out at Amazon, for instance.
Sometimes rewards go further when you redeem them this way. Other times, they lose value. Check your card agreement to understand your options.
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.
Frequently Asked Questions
Our writers and editors chose the Ink Business Unlimited® Credit Card as the best overall cash-back business card. It stands out for its unlimited cash back, excellent welcome bonus and redemption versatility.
We consider 1.5% cash back an excellent rate for an unlimited, flat-rate business card. Higher rates are available, but they may have strings attached. These could include annual fees, reward caps or bank account requirements.
Bonus category cash back usually ranges from 3% to 5%. You're unlikely to find unlimited rewards at the higher end of that range. Typically, you'll earn 1% cash back on non-bonus purchases or those made after reaching a spending cap (if there is one).
Yes, employee cards can earn cash back. Issuers will assign those rewards to the primary cardholder's account. Employee spending may not count toward other benefits, like welcome bonuses. This is the case with U.S. Bank, for instance. Check with your card issuer to confirm their policy.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.