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:
- 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.
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.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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:
- 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.
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.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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 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
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
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
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 generous sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 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
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
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
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.- 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
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
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
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.
- 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
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
The
Capital One Spark Cash Select
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.- 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
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
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
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; or business consulting services.- 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
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
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.- 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
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
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
The
Capital on Tap Business Credit Card
has a lot going for it: 1.5%
cash back on all purchases, no annual fee and the potential for a low APR. Plus, the issuer says applicants with fair credit (typically a personal FICO score between 630 and 689) can qualify, though business owners with score of 670 stand the best chance of approval. - 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
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
If you spend less than $50,000 per year, you'll be hard-pressed to find a richer flat rewards rate on a card with a
$0
annual fee.- 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
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
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
This cash-back card is hard to beat if you're a Bank of America customer and can qualify for its Preferred Rewards for Business Platinum Honors tier. Doing so can earn you an unlimited 2.62% cash back on all purchases. Don't qualify for Preferred Rewards for Business? The standard unlimited 1.5% rate is perfectly solid for a no annual fee card.
- 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 unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- 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.
- 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 2.5% cash back + welcome offer
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
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 — especially for a cash-back option.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
5% cash back on Amazon brands
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Pros
- No annual fee
- No foreign transaction fees
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
Does your business spend a lot on Amazon services (including AWS)? This card will earn you 5% back on your first $120,000 in those purchases.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 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
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
View Rates & Fees
Wells Fargo Signify Business Cash℠ Card
Best for: Overall cash-back business credit card (unlimited 2% cash back)
NerdWallet star rating: 5
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. Learn more. Read NerdWallet’s review.
Ink Business Unlimited® Credit Card
Best for: Unlimited 1.5% cash back + welcome offer
NerdWallet star rating:
5
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 $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 17.74%-23.74% Variable APR
. Learn more and apply.Capital One Spark Cash Plus
Best for: 2% cash back + no preset spending limit
NerdWallet star rating:
5
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. 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.) Learn more and apply.Capital One Spark Cash Select
Best for: Unlimited 1.5% cash back
NerdWallet star rating:
4.9
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 Travel. (See rates and fees.) Learn more and apply.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Up to 3% cash back on gas, restaurants
NerdWallet star rating:
5
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners. 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). Earn 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.
Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 18.24%-27.24% Variable APR
— all with a $0
annual fee. Learn more and apply.Ink Business Cash® Credit Card
Best for: Up to 5% cash back on office expenses
NerdWallet star rating:
4.8
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 $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.
Learn more and apply.The American Express Blue Business Cash™ Card
Best for: 2% cash back on up to $50K in purchases per year
NerdWallet star rating:
4.7
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. Learn more and apply.Ink Business Premier® Credit Card
Best for: Up to 2.5% cash back + welcome offer
NerdWallet star rating:
4.5
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. Learn more and apply.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for: Cash back boost for Bank of America customers
NerdWallet star rating:
4.4
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:
4.2
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.
Learn more and apply.Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for: Customizable rewards
NerdWallet star rating:
3.9
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. Learn more and apply.» MORE: Best business gas credit cards
Capital on Tap Business Credit Card
Best for: Fair credit
NerdWallet star rating:
3.8
The
Capital on Tap Business Credit Card
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. Learn more and apply.Cash-back business credit cards offer a certain percentage back on every dollar you spend — making everything your business buys effectively a little cheaper.
Cash-back rewards can take a few different forms. Here’s what to know when considering different options:
- Some offer flat-rate rewards. These cards pay a set percentage back on every purchase, no matter what it is. For instance, theInk Business Unlimited® Credit Cardpays1.5% cash back. If you spent $10,000 per month on that credit card, you’d get $150 back each month.
- Rewards can have caps. Some flat-rate cards offer unlimited cash back, but others only pay their highest rewards rate up to a certain amount of spending. For example,The American Express Blue Business Cash™ Cardhas this structure: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.So if you spend $100,000 on that card, you’ll earn $1,500 cash back in total — $1,000 on the first $50,000 and then $500 after that.
- Rewards can be category specific. With bonus category cards, you’ll earn extra-high cash-back rates on certain types of purchases, like gas, office supplies or ad spend. These cards often pay a flat rate on everything else, too. Take theU.S. Bank Business Triple Cash Rewards World Elite Mastercard®, which offers: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). Earn 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.
- Bonus categories can have caps, too. TheInk Business Cash® Credit Cardworks this way: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 card purchases with no limit to the amount you can earn. After you’ve spent $25,000, your rewards rate on those bonus categories drops to 1% — the rate you earn on all other spending.
Combining card types is one way to maximize the total cash back your business earns. For example, say you have the
Ink Business Cash® Credit Card
(which offers bonus categories) and the Ink Business Unlimited® Credit Card
(a flat-rate card). If you max out the 5% categories on the former, you’d earn $1,250 — $875 more than you’d earn if you only used the latter card.On the other hand, say you spent $100,000 in non-bonus categories. At 1.5% unlimited cash back, the
Ink Business Unlimited® Credit Card
puts an extra $500 in your pocket when compared to the 1% of the Ink Business Cash® Credit Card
. Tracking which card to use where can be more time-consuming, but also potentially more beneficial. When you get your business credit card statement, you’ll also get the rewards you earned during that statement period. You typically have a few options for redeeming those cash back rewards:
- Getting a cash deposit in your bank account. This transfers whatever you’ve earned directly into a checking account.
- Getting statement credit. This option applies your rewards to your statement balance, reducing the amount you owe.
- Redeeming for other rewards through your credit card’s portal. You may have the option to use your cash back rewards to pay for travel or other special rewards, like gift cards, through your credit card issuer’s website. Sometimes rewards go further when you redeem them this way, though the rules vary by credit card issuer.
Check your card agreement to understand your redemption options. While you often can choose how you want your cash back, that won't always be the case.
The American Express Blue Business Cash™ Card
, for instance, automatically credits cash back to your account. 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.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.To view rates and fees of the
Amazon Business Prime American Express Card
, see this page.The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on December 10, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.