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Best Cash-Back Business Credit Cards of December 2024

Earn up to 5% on your spending with these cash-back business credit cards.
By Kelsey Sheehy
Last updated on December 3, 2024
Edited by Ryan Lane
Fact checked and reviewed

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.

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. 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.
To maximize your rewards, combine cash-back cards. 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. While it's more to manage, carrying multiple cards likely won't cost you anything — cash-back business cards typically have no annual fee.
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.

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.

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. 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.
To maximize your rewards, combine cash-back cards. 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. While it's more to manage, carrying multiple cards likely won't cost you anything — cash-back business cards typically have no annual fee.
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 forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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 forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

2% cash back + no preset spending limit

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ 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

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

Our pick for

Up to 5% cash back on office expenses

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

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

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Unlimited 1.5% cash back

Capital One Spark Cash Select

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Pros

  • No annual fee
  • High rewards rate
  • No reward caps

Cons

  • Requires excellent credit

Capital One Spark Cash Select

NerdWallet rating 

4.9/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Our pick for

Customizable rewards

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

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300

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

NerdWallet rating 

3.9/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300

Our pick for

Up to 3% cash back on gas, restaurants

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

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

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

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Fair credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A

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

Capital on Tap Business Credit Card

NerdWallet rating 

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A

Our pick for

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

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.7/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Cash back boost for Bank of America customers

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

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Pros

  • No annual fee
  • New cardholder bonus offer
  • High cash back rate

Cons

  • Has foreign transaction fee
  • Requires excellent credit

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

NerdWallet rating 

4.4/5