Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
- Best overall cash-back business card: Wells Fargo Signify Business Cash℠ Card.
- Best cash-back card for bonus categories:Ink Business Cash® Credit Card.
- Best cash-back card with no preset spending limit:Capital One Spark Cash Plus.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
- Best overall cash-back business card: Wells Fargo Signify Business Cash℠ Card.
- Best cash-back card for bonus categories:Ink Business Cash® Credit Card.
- Best cash-back card with no preset spending limit:Capital One Spark Cash Plus.
Here are the best cash-back business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Unlimited 1.5% cash back + welcome offer Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
2% cash back + no preset spending limit Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Up to 5% cash back on office expenses Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Unlimited 1.5% cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Customizable rewards Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 3.9/5 | $0 | 1%-3% Cashback | $300 | Apply now on Bank of America's website |
Up to 3% cash back on gas, restaurants U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
2% cash back on up to $50K in purchases per year The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Cash back boost for Bank of America customers Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Up to 2.5% cash back + welcome offer Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
5% cash back on Amazon brands Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.2/5 | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Unlimited 1.5% cash back + welcome offer Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
2% cash back + no preset spending limit Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Up to 5% cash back on office expenses Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Unlimited 1.5% cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Customizable rewards Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 3.9/5 | $0 | 1%-3% Cashback | $300 | Apply now on Bank of America's website |
Up to 3% cash back on gas, restaurants U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
2% cash back on up to $50K in purchases per year The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Cash back boost for Bank of America customers Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Up to 2.5% cash back + welcome offer Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
5% cash back on Amazon brands Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.2/5 | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Unlimited 1.5% cash back + welcome offer
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Our pick for
2% cash back + no preset spending limit
Capital One Spark Cash Plus
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Up to 5% cash back on office expenses
Ink Business Cash® Credit Card
on Chase's website
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
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
- 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
- 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 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
- Member FDIC
Our pick for
Unlimited 1.5% cash back
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires excellent credit
- 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 for unauthorized charges
View Rates & Fees
Our pick for
Customizable rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back 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.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
- 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 on gas, restaurants
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Fair credit
Capital on Tap Business Credit Card
on Capital on Tap's website
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.99% to 43.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
2% cash back on up to $50K in purchases per year
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Cash back boost for Bank of America customers
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit