BEST OF

Best Cash Back Business Credit Cards of December 2022

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

Dec 6, 2022

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A cash-back business credit card gives you an effective discount of 1% to 5% on business expenses, helping your company’s money go further. You can typically redeem your rewards as a statement credit, a deposit into a connected business checking account or a physical check, depending on the card.

There are two types of cash-back cards that small-business owners can choose from: 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 of dollars in those areas. A flat-rate cash-back card is better for businesses with varied spending (or those that prefer the simplicity of a set rewards rate).

Some of our selections for the best cash-back business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards available from our partners, followed by the full list of our picks.

NerdWallet's Best Cash Back Business Credit Cards of December 2022

Best Cash Back Business Credit Cards From Our Partners

Our pick for

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

Apply now

on American Express' website

American Express Blue Business Cash™ Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

$250

Recommended Credit Score

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.

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Cash rewards

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

Read full review
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • 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.

  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.

  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees

Our pick for

2% cash back on all purchases

Apply now

on Capital One's website

Capital One Spark Cash Plus

4.4

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Recommended Credit Score

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. The complications? An annual fee of $150. Plus, It's a charge card, so you can't revolve a balance.

Pros

  • Earns cash back on primary and employee cards

  • Rewards don’t expire

  • No foreign transaction fees

Cons

  • Balance must be paid in full every month

  • Has annual fee

Read full review
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile

  • Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

  • Add employee cards for free, and earn unlimited 2% cash back from their purchases

  • $150 annual fee

  • Spark Cash Plus has no APR because your balance is due in full every month

Our pick for

Unlimited 1.5% cash back + intro APR period

Apply now

on Chase's website

Ink Business Unlimited® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$900

Recommended Credit Score

The Ink Business Unlimited® Credit Card is a triple-threat, with unlimited flat-rate rewards (1.5% cash back), a lengthy intro APR period and a doozy of a sign-up bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Pros

  • No annual fee

  • Intro APR period

  • No reward caps

  • New cardholder bonus offer

Cons

  • No bonus categories

Read full review
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • Earn unlimited 1.5% cash back on every purchase made for your business

  • No Annual Fee

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

  • 0% introductory APR for 12 months on purchases

Our pick for

Up to 5% cash back in bonus categories

Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$900

Recommended Credit Score

Earn 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.

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • Low rate outside bonus categories

  • Spending caps on bonus rewards

Read full review
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • 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 purchases

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

  • No Annual Fee

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

  • 0% introductory APR for 12 months on purchases

Our pick for

Unlimited 1.5% cash back

Apply now

on Capital One's website

Capital One Spark Cash Select - $500 Cash Bonus

4.6

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

1.5%-5%

Cashback

Intro offer

$500

Recommended Credit Score

The Capital One Spark Cash Select - $500 Cash Bonus earns 1.5% cash back on all purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. Plus, there's no annual fee and a generous welcome bonus.

Pros

  • No annual fee

  • High rewards rate

  • No reward caps

Cons

  • Requires good/excellent credit

Read full review
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening

  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

  • No annual fee

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

  • Rewards won't expire for the life of the account

  • Redeem your cash back rewards for any amount

  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases

  • $0 fraud liability if your card is lost or stolen

Our pick for

Up to 3% cash back + customizable rewards

Apply now

on Bank of America's website

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

3.6

NerdWallet rating 
Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$300

Recommended Credit Score

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card lets you pick where you earn the richest rewards: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; and business consulting services.

Pros

  • No annual fee

  • High rewards rate

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

Cons

  • Requires excellent credit

  • Complicated rewards

  • Foreign transaction fee

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Read full review
  • Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.

  • Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.

  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 15.99% to 25.99% will apply.

  • Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.

  • Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Our pick for

Up to 3% cash back + long intro APR

Apply now

on US Bank's website

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

4.7

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$500

Recommended Credit Score

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® pays 3% cash back on purchases at gas stations, restaurants, office supply stores and cell service providers, and 1% back on everything else. Plus, there's a welcome bonus and a long intro APR period (15 months).

Pros

  • Bonus cash back categories

  • No annual fee

  • Intro APR period on purchases and balance transfers

Cons

  • Requires good/excellent credit

  • Low rate outside bonus categories

Read full review
  • Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

  • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.

  • Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.

  • 1% cash back on all other eligible net purchases.

  • Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.

  • No limit on total cash back earned.

  • Rewards never expire.

  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 17.74% - 26.74%.

  • No annual fee.

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022

  • Terms and conditions apply

  • View Rates & Fees

Our pick for

Unlimited 1.5% cash back + generous welcome bonus

Apply now

on Capital on Tap's website

Capital on Tap Card

3.8

NerdWallet rating 
Apply now

on Capital on Tap's website

Annual fee

$0

Rewards rate

1.5%

Intro offer

$1,200

Recommended Credit Score

The Capital on Tap Card has a lot going for it: 1.5% cash back on all purchases, no annual fee and the potential for a low APR. Have some big purchases coming up? Earn a $1,200 cashback when spending $50,000 in the first 6 months (for NerdWallet readers). If you don't meet the offer you'll still be eligible to earn $200 when you have spent $15,000 in the first 3 months.

Pros

  • Earn unlimited 1.5% cash back on all purchases.

  • Generous sign-up bonus.

  • Apply without a hard credit check.

  • 24/7 customer service.

Cons

  • Not available to sole proprietors, charities or nonprofits.

  • Must enroll in automatic payments.

Read full review
  • 1.5% rewards on all spend, no caps or restrictions

  • Earn a $1,200 cashback when spending $50,000 in the first 6 months (for NerdWallet readers). If you don't meet the offer you'll still be eligible to earn $200 when you have spent $15,000 in the first 3 months.

  • $0 annual fee

  • No foreign exchange fees

  • Applying has no impact on credit score

  • APRs range from 9.99% to 34.99%

  • Unlimited cards for your employees

  • Capital on Tap Business Credit Cards are issued by WebBank

FULL LIST OF EDITORIAL PICKS: BEST CASH-BACK BUSINESS CREDIT CARDS

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

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. Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Rewards rate: 2% cash back on all purchases

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. The complications? It's a charge card, so you can't revolve a balance. Plus, the Capital One Spark Cash Plus has an annual fee of $150, although you can offset that somewhat with the stellar bonus offer for new cardholders: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. Keep in mind that the annual fee could also be a deductible business expense.

Rewards rate: 1.5% cash back on all purchases + intro APR period

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 $900 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 16.99%-22.99% Variable APR.

Rewards rate: Up to 5% cash back in bonus categories

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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Rewards rate: 1.5% cash back on all purchases

The Capital One Spark Cash Select - $500 Cash Bonus 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 Travel.

Rewards rate: Up to 3% cash back + customizable rewards

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.

Rewards rate: Up to 3% cash back + long intro APR

If your business or side hustle has you paying a lot for gas, office supplies or mobile phone service, check out the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. It pays 3% cash back on net purchases at gas stations, restaurants, office supply stores and cell service providers, and 1% back on everything else. The card offers a competitive welcome bonus, plus: 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 17.74%-26.74% Variable APR.

Rewards rate: 1.5% cash back on all purchases + generous welcome bonus

The Capital on Tap Card offers 1.5% cash back on all purchases, has no annual fee and the potential for a low APR. Plus, new customers can earn a welcome bonus: Earn a $1,200 cashback when spending $50,000 in the first 6 months (for NerdWallet readers). If you don't meet the offer you'll still be eligible to earn $200 when you have spent $15,000 in the first 3 months. Capital on Tap Card is not currently available to sole proprietors, though, which excludes the vast majority of businesses.

To view rates and fees of the American Express Blue Business Cash™ Card, see this page.

Last updated on December 6, 2022