Best cash-back business credit cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for choosing your bonus categories.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for Bank of America customers.
- 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 up to 5% cash back.
- 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.
- 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% cash back.
- Wells Fargo Signify Business Cash℠ Card: Best for 2% cash back + no annual fee.
While all of our picks for cash-back business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options, including cards not currently available through 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.
Best cash-back business credit cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for choosing your bonus categories.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for Bank of America customers.
- 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 up to 5% cash back.
- 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.
- 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% cash back.
- Wells Fargo Signify Business Cash℠ Card: Best for 2% cash back + no annual fee.
While all of our picks for cash-back business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options, including cards not currently available through 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.
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Here are the best cash-back business credit cards
Here are the best cash-back business credit cards
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2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Overall cash-back business card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for No preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$750
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash
Best for Unlimited 2% cash back
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$750
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Ink Business Premier® Credit Card
Best for Large purchases (up to 2.5% cash back)
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% cash back
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap Business Credit Card
Best for Cash-back card for fair credit
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
The American Express Blue Business Cash™ Card
Best for Small, new businesses (up to 2% cash back)
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for Small, new businesses (up to 2% cash back)
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Bank of America customers
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Bank of America customers
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
Amazon Business Prime American Express Card
Best for 5% cash back on Amazon brands
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
The following cash-back business cards are either not available via NerdWallet or fall below the four-star requirement to make our top picks. But we think they're still worth considering.
NerdWallet star rating:
3.9
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
is a great option for Bank of America Preferred Rewards for Business members, who can get an additional boost (up to 75%) on top of the card's standard rewards rate. 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 on the first $50,000 in combined choice category/dining purchases, and 1% cash back on all other purchases.
Read our full review. 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.
Cash-back rewards can take a few different forms. Here’s what to consider when weighing different options:
- Rewards can have caps. Most flat-rate cards offer unlimited cash back, butThe American Express Blue Business Cash™ Cardlimits its 2% rate: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 Triple Cash Rewards Visa® Business Card, which offers the following: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. TheU.S. Bank Triple Cash Rewards Visa® Business Cardis an anomaly; most cash with bonus categories cap how much you can earn. Take theInk Business Cash® Credit Card, for example: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.
» MORE: Best business cards for ad spend
🤓 Nerdy Tip
Combine cash-back cards to maximize your rewards. If your books show consistent spending in a common bonus category like advertising, use a dedicated card for those purchases and a flat-rate option for everything else.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. 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.
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.View rates and fees of
Capital One Spark Cash Plus
.View rates and fees of
Capital One Spark Cash Select
.View rates and fees of
Capital One Spark Cash
.Last updated on April 15, 2025
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.
