Best Cash-Back Business Credit Cards of September 2025
We looked at more than 60 cash-back business credit cards. The best ones offer up to 5% back — making everything your business buys effectively a little cheaper.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
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 17.49% to 27.49% 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.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
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 17.49% to 27.49% 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.
Earn $900 when you spend $6,000 on purchases in the first three 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®.
Earn $900 when you spend $6,000 on purchases in the first three 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®.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
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.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
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.
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's travel booking site
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
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's travel booking site
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
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $500 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $500 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ 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.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ 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.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
≡ Show summary
Best cash-back business credit cards
Here are our complete picks, in alphabetical order:
Amazon Business Prime American Express Card : Best for 5% cash back on Amazon brands.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for Bank of America customers.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best cash-back business card for bad credit.
Capital on Tap Business Credit Card: Best cash-back card for fair credit.
Capital One Spark Cash: Best for unlimited 2% cash back.
Capital One Spark Cash Plus: Best for no preset spending limit.
Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
Ink Business Cash® Credit Card: Best for office supplies and telecom.
Ink Business Premier® Credit Card: Best for large purchases (up to 2.5% cash back).
Ink Business Unlimited® Credit Card: Best overall cash-back business card.
Rippling Corporate Card: Best for cash-back corporate card.
The American Express Blue Business Cash™ Card: Best for small, new businesses (up to 2% cash back).
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% back in bonus categories (with no cap).
Wells Fargo Signify Business Cash℠ Card : Best for unlimited 2% cash back and no annual fee.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best cash-back business cards based on their independent research and ratings.
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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, your cash back is earned as Chase Ultimate Rewards points, which can be redeemed for a statement credit or for travel, among other things, making the rewards more flexible and potentially more valuable than those from other top-rated cards.
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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, your cash back is earned as Chase Ultimate Rewards points, which can be redeemed for a statement credit or for travel, among other things, making the rewards more flexible and potentially more valuable than those from other top-rated cards.
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, though you can offset that if you spend enough to snag the welcome offer. (CapOne will also refund it if you spend $150,000 annually on the card.) Plus, it's a charge card, so you can't revolve a balance — but you're also not tied to a preset credit limit as a result.
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's travel booking site
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
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, though you can offset that if you spend enough to snag the welcome offer. (CapOne will also refund it if you spend $150,000 annually on the card.) Plus, it's a charge card, so you can't revolve a balance — but you're also not tied to a preset credit limit as a result.
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's travel booking site
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
If you spend less than $50,000 per year, this card offers a rich flat rewards rate with a $0 annual fee. While the welcome offer is small, it's also relatively easy for very small businesses to earn.
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, 17.49% – 27.49%, 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.
If you spend less than $50,000 per year, this card offers a rich flat rewards rate with a $0 annual fee. While the welcome offer is small, it's also relatively easy for very small businesses to earn.
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, 17.49% – 27.49%, 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.
Reports all card activity to consumer credit bureaus
No Intro APR period
There are two reasons for businesses to love this card: it earns 2% back on all purchases and has no foreign transaction fee. But unlike most cash-back cards, this one does have an annual fee ($0 intro for the first year, then $95). Also worth noting: All activity is reported to consumer credit bureaus, rather than just non-payment or delinquent balances, so carrying a balance on this card could negatively impact your personal credit.
Reports all card activity to consumer credit bureaus
No Intro APR period
There are two reasons for businesses to love this card: it earns 2% back on all purchases and has no foreign transaction fee. But unlike most cash-back cards, this one does have an annual fee ($0 intro for the first year, then $95). Also worth noting: All activity is reported to consumer credit bureaus, rather than just non-payment or delinquent balances, so carrying a balance on this card could negatively impact your personal credit.
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. If those categories match your expenses, you can rack up serious rewards, although the spending caps put a bit of a damper on things.
Earn $900 when you spend $6,000 on purchases in the first three 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®.
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. If those categories match your expenses, you can rack up serious rewards, although the spending caps put a bit of a damper on things.
Earn $900 when you spend $6,000 on purchases in the first three 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®.
Reports all card activity to consumer credit bureaus
No Intro APR period
The Capital One Spark Cash Select earns 1.5% cash back on all purchases, has no annual fee and does not charge a foreign transaction fee (a rare feature for a cash-back card). There's a nice welcome offer, too. The downside: All activity on this card is reported to consumer credit bureaus, which could impact your personal credit score.
Reports all card activity to consumer credit bureaus
No Intro APR period
The Capital One Spark Cash Select earns 1.5% cash back on all purchases, has no annual fee and does not charge a foreign transaction fee (a rare feature for a cash-back card). There's a nice welcome offer, too. The downside: All activity on this card is reported to consumer credit bureaus, which could impact your personal credit score.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Most business cards with bonus categories cap how much spending can qualify for that higher rate. Not the U.S. Bank Triple Cash Rewards Visa® Business Card. You'll earn 3% cash back on purchases at gas stations, restaurants, office supply stores and cell service providers, with no cap. And 1% back on everything else. There's also a competitive welcome bonus and a long intro APR period.
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
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.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Most business cards with bonus categories cap how much spending can qualify for that higher rate. Not the U.S. Bank Triple Cash Rewards Visa® Business Card. You'll earn 3% cash back on purchases at gas stations, restaurants, office supply stores and cell service providers, with no cap. And 1% back on everything else. There's also a competitive welcome bonus and a long intro APR period.
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
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.
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer
The Capital on Tap Business Credit Card has a lot going for it: 1.5% cash back on all purchases (2% if you opt for automatic weekly repayment), 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 a score of 670 stand the best chance of approval. Note: This card is not available to sole proprietors, charities or nonprofits
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer
The Capital on Tap Business Credit Card has a lot going for it: 1.5% cash back on all purchases (2% if you opt for automatic weekly repayment), 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 a score of 670 stand the best chance of approval. Note: This card is not available to sole proprietors, charities or nonprofits
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
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 17.49% to 27.49% 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.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
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 17.49% to 27.49% 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.
Business owners can earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases. You'll also earn 2% at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers. There's no annual fee, but you need to be an Amazon Prime or Business Prime member to apply.
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.
Business owners can earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases. You'll also earn 2% at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers. There's no annual fee, but you need to be an Amazon Prime or Business Prime member to apply.
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.
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
Cash back isn't the main reason to get a corporate card. It's a nice perk, though. What's even nicer is Rippling offers no-fuss cash back. You get an unlimited % cash back on every purchase. Other corporate cards change reward rates based on your business financials or repayment schedule.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional banks.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
Cash back isn't the main reason to get a corporate card. It's a nice perk, though. What's even nicer is Rippling offers no-fuss cash back. You get an unlimited % cash back on every purchase. Other corporate cards change reward rates based on your business financials or repayment schedule.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional banks.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Other top cash-back business cards
The following cash-back business cards are not available via NerdWallet. Our editorial team still recommends them.
💳 Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
NerdWallet star rating: 4.4
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card is a great option for business owners with bad personal credit. That's typically a FICO score below 630. This secured card can help you build business credit in your company's name. Plus, you'll earn 1.5% cash back on every purchase. Read our full review.
💳 Ink Business Premier® Credit Card
NerdWallet star rating: 4.7
The Ink Premier's default rewards rate of 2% is top notch, but the card stands out among the cash-back crowd with a unique perk: Earn unlimited 2.5% total cash back on purchases of $5,000 or more. The Ink Premier also boasts one of the best sign-up offers on the market. The catch? This is largely a pay-in-full card, and it charges a hefty fee ($195) — especially for a cash-back option. Read our review.
💳 Wells Fargo Signify Business Cash℠ Card
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. Read our full review.
How we chose the best cash-back business credit cards
NerdWallet's editorial team evaluates business credit cards on more than a dozen factors. For cash-back options, we pay close attention to:
Base cash-back rates.
Bonus category cash back.
Reward caps.
Annual fees.
Cash equivalents.
Business cards need to earn at least 4.5 stars to make our list. We also consider cards below that number if they have standout features. For instance, the U.S. Bank Triple Cash Rewards Visa® Business Card (4.4 stars) is a rare cash-back business card with no cap on bonus categories.
⭐ What our star ratings mean
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
Which cash-back business credit cards we consider
NerdWallet's editorial team focuses on cards widely available to business owners. Our writers and editors do research regional and niche options as well. But we may not list these because of their limited availability. For instance, the TD Business Solutions Credit Card is an excellent cash-back option — if you live in TD Bank's service area. (That's 15 states in the Eastern U.S., plus Washington, D.C.)
We categorize a card as "cash back" if you get the best value redeeming its rewards for money. For example, you can use points from The Blue Business® Plus Credit Card from American Express as a statement credit. You'll get just 0.6 cents per point, though. That makes it a better business travel credit card. We also rate cards with no rewards as cash-back cards.
≡ Full list of cash-back business cards
Our team has covered or considered the following cash-back cards in 2025 (listed alphabetically by name):
A
Amazon Business American Express Card. Amazon Business Prime American Express Card. American Express® Blue Business Cash Card. American Express Plum.
B
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Bank of America Platinum Plus for Business. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. BILL Divvy Reserve Card.
C
Capital on Tap Business Credit Card. Capital One Spark Cash. Capital One Spark Cash Plus. Capital One Spark Cash Select. Capital One® Spark® Classic for Business. Charity Charge Nonprofit Business Card. Charity Charge Nonprofit Secured Business Card. Chase Ink Business Premier. Chase Ink Cash. Chase Ink Business Unlimited. Coast Fleet Card. Corpay World Elite Mastercard®. Costco Anywhere Visa® Business Card by Citi.
D
Delta SkyMiles® Gold Business American Express Card. Delta SkyMiles® Platinum Business American Express Card. Delta SkyMiles® Reserve American Express Card. Devote Visa® Commercial Credit card.
E
Edward Jones Business Plus Mastercard®. Expensify Visa® Commercial Card.
F
FairFigure Card. First Citizens Bank Low-Interest Business Credit Card. First Citizens Premium Rewards Business Card. First Entertainment Visa Platinum Business Card. First National Bank Business Edition® Secured Mastercard® Credit Card.
H
Hello Alice Small Business Secured Mastercard®. Huntington Voice Business Credit Card℠.
I
IO Card.
L
Lili BusinessBuild Card.
M
M&T Bank Business Credit Card. Metro Business Builder Visa Credit Card.
N
Navy Federal Go Biz Rewards credit card.
P
Pacific Premier Bank Business Edition Secured Visa Card. PNC Visa® Business Credit Card.
R
Ramp Card. Revenued Business Card Visa Commercial Credit Card. Rho Corporate Card. Rippling Corporate Card.
S
Security Service Power Business MasterCard®. Square Credit Card. State Farm Business Cash Rewards Visa Signature® Card. Stripe Corporate Card. Suncoast Credit Union Business Secured Visa.
T
TD Business Solutions Credit Card. Truist Business Card. Truist Business Cash Rewards Card.
U
U.S. Bank Business Platinum Card. U.S. Bank Commercial Rewards Card. U.S. Bank Triple Cash Rewards Visa® Business Card. UBS Cash Rewards Card. Umpqua Bank Visa Business Card.
V
Valley Bank Visa® Secured Business Credit Card.
W
Wells Fargo Signify Business Cash℠.
What is a cash-back business credit card?
A cash-back business credit card earns you money with every purchase you make. How much depends on the card. A common flat rate is 1.5% per dollar spent. So if you charged $1,000, you'd earn $15 cash back.
Some cards have different rates based on what you buy. For instance, you may get 3% cash back at gas stations and restaurants, but 1% everywhere else. Those are bonus category cards.
What kind of cash-back business card should you get?
A flat-rate card can benefit any business owner — especially if it has no annual fee. If you only want one business credit card, go with a flat-rate option.
But combining cash-back cards can maximize your rewards. Check your books for consistent spending in common bonus categories. Use a dedicated card for those purchases and a flat-rate option for everything else.
What are common bonus categories for businesses?
Business card issuers tailor bonus categories to meet common company expenses. You can get cash-back business cards with elevated reward rates for:
Co-branded cash-back business cards also offer strong rates. For instance, if your business relies on Amazon services, the Amazon Business Prime American Express Card is a great choice. You'll earn 5% back on the first $120,000 spent on Amazon, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases.
Do business cards have rotating cash-back categories?
You typically won't find rotating cash-back categories for business cards. This is different from personal credit cards. Many of those cards require you to remember to "activate" new categories each quarter.
Some business credit cards may let you choose which categories get higher rates, though. For instance, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card does this. You can opt for 3% cash back among options like gas stations and EV charging stations, office supply stores and travel.
How to choose a cash-back business card
Determine your goals. Figuring out what you want in a card will make it easier to find the right fit. Are you looking to maximize rewards? That might take some work. But if you simply want to tap into extra capital or build business credit, any card can check those boxes.
Consider fees. Most cash-back business cards don't charge annual fees. That doesn't mean you'll avoid other costs. For instance, foreign transaction fees are common among these cards. Capital One is a notable exception. Look to their cards if you'll charge a lot overseas.
Look at your spending. This will help you decide between flat-rate and bonus cash back. Go for flat rate if your expenses are all over the map. Know you spend a lot on something like gas? Opt for a bonus category card with higher rewards on that instead.
Check for spending caps. Most flat-rate cards offer unlimited cash back, but not all. The American Express Blue Business Cash™ Card caps its highest rate, for instance. Limits are much more common on bonus category cards.
Factor in other benefits. Do you have a big purchase coming up? A business card with a long 0% intro APR period could come in handy. Upfront spending could also net you a nice welcome bonus.
Do some math (or have AI do it). A card with an annual fee or cap might actually net you the most money. You'll need to do some modeling to calculate that. AI can be a great time-saver. Prompt your tool of choice with the relevant details (fees, cash-back rates, your spending, bonus amounts, etc.). Then, ask for break-even points and total rewards to compare different cards.
How can your business redeem cash-back rewards?
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.
Notes from card issuers
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.
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.
Our writers and editors chose the Ink Business Unlimited® Credit Card as the best overall cash-back business card. It stands out for its unlimited cash back, excellent welcome bonus and redemption versatility.
We consider 1.5% cash back an excellent rate for an unlimited, flat-rate business card. Higher rates are available, but they may have strings attached. These could include annual fees, reward caps or bank account requirements.
Bonus category cash back usually ranges from 3% to 5%. You're unlikely to find unlimited rewards at the higher end of that range. Typically, you'll earn 1% cash back on non-bonus purchases or those made after reaching a spending cap (if there is one).
Yes, employee cards can earn cash back. Issuers will assign those rewards to the primary cardholder's account. Employee spending may not count toward other benefits, like welcome bonuses. This is the case with U.S. Bank, for instance. Check with your card issuer to confirm their policy.
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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