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Best Cash-Back Business Credit Cards of June 2024

Earn up to 5% with these cash-back business credit cards.
By Kelsey Sheehy
Last updated on May 21, 2024
Edited byRyan Lane
Fact checked and reviewed

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

A cash-back business credit card helps your company's money go further. These cards reward your spending, essentially offering you 1% to 5% off business expenses. You don't get that discount upfront, though. Instead, you typically receive that cash as a statement credit, a deposit into a connected business checking account or a physical check, depending on the card.
There are two types of cash-back 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 — or those that don’t want to track multiple cards.
But combining cash-back business cards can maximize rewards. 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. Cash-back business cards typically have no annual fee so there's no cost to carry multiple cards. While there will be more cards to manage, you'll also earn more rewards.
Some of our selections for the best cash-back business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards available from our partners, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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. You don't get that discount upfront, though. Instead, you typically receive that cash as a statement credit, a deposit into a connected business checking account or a physical check, depending on the card.
There are two types of cash-back 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 — or those that don’t want to track multiple cards.
But combining cash-back business cards can maximize rewards. 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. Cash-back business cards typically have no annual fee so there's no cost to carry multiple cards. While there will be more cards to manage, you'll also earn more rewards.
Some of our selections for the best cash-back business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards available from our partners, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best cash-back business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited 1.5% cash back + intro APR period

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for 2% cash back + no preset spending limit

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

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

Apply now

on Bank of America's website

4.1/5

Best for Up to 3% cash back + customizable rewards

$0

1%-3%

Cashback

$300

Apply now

on Bank of America's website

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Up to 3% cash back + long intro APR

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Unlimited 1.5% cash back + fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

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

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on Bank of America's website

4.7/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 2.5% cash back + welcome offer

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for 5% cash back on Amazon brands

$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited 1.5% cash back + intro APR period

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for 2% cash back + no preset spending limit

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

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

Apply now

on Bank of America's website

4.1/5

Best for Up to 3% cash back + customizable rewards

$0

1%-3%

Cashback

$300

Apply now

on Bank of America's website

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Up to 3% cash back + long intro APR

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Unlimited 1.5% cash back + fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

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

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on Bank of America's website

4.7/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 2.5% cash back + welcome offer

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for 5% cash back on Amazon brands

$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

Discover business products tailored to your needs

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Our pick for

Unlimited 1.5% cash back + intro APR period

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

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

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

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

Our pick for

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

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

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

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

Our pick for

2% cash back + no preset spending limit

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200
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.

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

Unlimited 1.5% cash back

Capital One Spark Cash Select for Excellent Credit

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750
The
Capital One Spark Cash Select for Excellent Credit
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.

Capital One Spark Cash Select for Excellent Credit

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750

Our pick for

Up to 3% cash back + 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
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.

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

NerdWallet rating 

4.1/5
Apply now

on Bank of America's website

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

Our pick for

Up to 3% cash back + long intro APR

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

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
pays 3% cash back on purchases at gas stations, restaurants, office supply stores and cell service providers, and 1% back on everything else. Plus, there's a welcome bonus and a long intro APR period (
15
months).

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

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

Our pick for

Unlimited 1.5% cash back + 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
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.

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

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

Our pick for

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

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

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

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

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

Our pick for

Cash back boost (up to 75% more)

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
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.

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

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

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

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
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.

Ink Business Premier® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

Our pick for

5% cash back on Amazon brands

Amazon Business Prime American Express Card