Best Cash Back Business Credit Cards of April 2023
Earn up to 5% with these cash-back business credit cards.
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A cash-back business credit card gives you an effective discount of 1% to 5% on business expenses, helping your company’s money go further. You can typically redeem your rewards 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 cards that small-business owners can choose from: 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 of dollars in those areas. A flat-rate cash-back card is better for businesses with varied spending (or those that prefer the simplicity of a set rewards rate).
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.
A cash-back business credit card gives you an effective discount of 1% to 5% on business expenses, helping your company’s money go further. You can typically redeem your rewards 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 cards that small-business owners can choose from: 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 of dollars in those areas. A flat-rate cash-back card is better for businesses with varied spending (or those that prefer the simplicity of a set rewards rate).
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.
Best Cash Back Business Credit Cards From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 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 | Best for Up to 5% cash back in bonus categories | $0 | 1%- Cashback | $750 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | Best for 2% cash back on all purchases | $150 | 2%- Cashback | $1,000 | Apply now on Capital One's website |
Capital One Spark Cash Select - $500 Cash Bonus Apply now on Capital One's website | Best for Unlimited 1.5% cash back | $0 | 1.5%- Cashback | $500 | Apply now on Capital One's website |
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | Best for Up to 3% cash back + customizable rewards | $0 | 1%- 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 | Best for Up to 3% cash back + long intro APR | $0 | 1%- Cashback | $500 | Apply now on US Bank's website |
Capital on Tap Card Apply now on Capital on Tap's website | Best for Unlimited 1.5% cash back | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
American Express Blue Business Cash™ Card Apply now on American Express' website | Best for 2% cash back on up to $50K in purchases per year | $0 | 1%- Cashback | $250 | Apply now on American Express' website |
Our pick for
Unlimited 1.5% cash back + intro APR period
on Chase's website
on Chase's website
$0
1.5%
Cashback
$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 doozy of a sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
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 doozy of a sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Pros
No annual fee
Intro APR period
No reward caps
New cardholder bonus offer
Cons
No bonus categories
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Our pick for
Up to 5% cash back in bonus categories
on Chase's website
on Chase's website
$0
1%-5%
Cashback
$750
Earn 5% cash back on the first $25,000 in combined purchases each account year at office supply stores and on internet, cable and phone services; 2% on the first $25,000 in combined purchases each account year at gas stations and restaurants; and 1% elsewhere.
Earn 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.
Pros
No annual fee
Intro APR period
New cardholder bonus offer
Cons
Requires good/excellent credit
Low rate outside bonus categories
Spending caps on bonus rewards
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Our pick for
2% cash back on all purchases
on Capital One's website
on Capital One's website
$150
2%-5%
Cashback
$1,000
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.
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.
Pros
Earns cash back on primary and employee cards
Rewards don’t expire
No foreign transaction fees
Cons
Balance must be paid in full every month
Has annual fee
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
Our pick for
Unlimited 1.5% cash back
on Capital One's website
on Capital One's website
$0
1.5%-5%
Cashback
$500
The Capital One Spark Cash Select - $500 Cash Bonus 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.
The Capital One Spark Cash Select - $500 Cash Bonus 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.
Pros
No annual fee
High rewards rate
No reward caps
Cons
Requires good/excellent credit
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 fraud liability if your card is lost or stolen
on Capital on Tap's website
on Capital on Tap's website
$0
1.5%
$200
The Capital on Tap Card has a lot going for it: 1.5% cash back on all purchases, no annual fee and the potential for a low APR. Have some big purchases coming up? Earn $200 cashback when you spend $15,000 in the first 3 months.
The Capital on Tap Card has a lot going for it: 1.5% cash back on all purchases, no annual fee and the potential for a low APR. Have some big purchases coming up? Earn $200 cashback when you spend $15,000 in the first 3 months.
Pros
Earn unlimited 1.5% cash back on all purchases
Apply without a hard credit check
24/7 customer service
Cons
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
1.5% rewards on all spend, no caps or restrictions
Earn $200 cashback when you spend $15,000 in the first 3 months.
$0 annual fee
No foreign exchange fees
Applying has no impact on credit score
APRs range from 9.99% to 34.99%
Unlimited cards for your employees
Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Up to 3% cash back + customizable rewards
on Bank of America's website
on Bank of America's website
$0
1%-3%
Cashback
$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; and business consulting services.
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; and business consulting services.
Pros
No annual fee
High rewards rate
New cardholder bonus offer
Rotating bonus categories
Intro APR period
Cons
Requires excellent credit
Complicated rewards
Foreign transaction fee
Spending caps on bonus rewards
Best rewards limited to certain customers
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards - as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Up to 3% cash back + long intro APR
on US Bank's website
on US Bank's website
$0
1%-3%
Cashback
$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).
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).
Pros
Bonus cash back categories
No annual fee
Intro APR period on purchases and balance transfers
Cons
Requires good/excellent credit
Low rate outside bonus categories
Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No limit on total cash back earned.
Rewards never expire.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.74% - 27.74%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
- View Rates & Fees
Our pick for
2% cash back on up to $50K in purchases per year
on American Express' website
on American Express' website
$0
1%-2%
Cashback
$250
The cap on bonus rewards reduces its appeal to high-spending entrepreneurs, but those with lesser expenses would be hard-pressed to find a richer flat rewards rate on a card with a $0 annual fee.
The cap on bonus rewards reduces its appeal to high-spending entrepreneurs, but those with lesser expenses would be hard-pressed to find a richer flat rewards rate on a card with a $0 annual fee.
Pros
No annual fee
High rewards rate
Intro APR period
Cash rewards
Cons
Spending caps on bonus rewards
Requires good/excellent credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
FULL LIST OF EDITORIAL PICKS: BEST CASH-BACK BUSINESS CREDIT CARDS
Rewards rate: 2% cash back on up to $50K in purchases per year
The American Express Blue Business Cash™ Card cash back offer has two parts: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply. (see rates and fees). The cap on bonus rewards reduces its appeal to high-spending entrepreneurs, but those with lesser expenses would be hard-pressed to find a richer flat rewards rate on a card with a $0 annual fee. Rewards are automatically credited to your statement each month. Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Rewards rate: 2% cash back on all purchases
The Capital One Spark Cash Plus gives you unlimited 2% cash back on all purchases, with no bonus categories to track or spending caps to worry about. That's pretty much the best you can do on a flat-rate card with uncapped rewards. The complications? It's a charge card, so you can't revolve a balance. Plus, the Capital One Spark Cash Plus has an annual fee of $150, although you can offset that somewhat with the stellar bonus offer for new cardholders: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. Keep in mind that the annual fee could also be a deductible business expense.
Rewards rate: 1.5% cash back on all purchases + intro APR period
As the name suggests, the Ink Business Unlimited® Credit Card pays unlimited 1.5% cash back on all purchases. It offers a doozy of a sign-up bonus for a card with a $0 annual fee: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, you'll get 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR.
Rewards rate: Up to 5% cash back in bonus categories
The Ink Business Cash® Credit Card pays 5% cash back on the first $25,000 in combined purchases each account year at office supply stores and on internet, cable and phone services; 2% on the first $25,000 in combined purchases each account year at gas stations and restaurants; and 1% elsewhere. If those categories match your expenses, you can rack up serious rewards, although the spending caps put a bit of a damper on things. There's also a great bonus offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards rate: 1.5% cash back on all purchases
The Capital One Spark Cash Select - $500 Cash Bonus is the $0-annual-fee version of Capital One's business cash-back card. The rewards rate is lower at 1.5% on all purchases (although that matches the rate on competing no-fee cards), but the bonus offer is the same: Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel.
Rewards rate: Up to 3% cash back + customizable rewards
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card stands out because it lets you pick where you earn the richest rewards. You get 3% cash back in a category you choose from a list of six, and 2% back on dining, on up to $50,000 a year in combined spending in those areas. Other spending earns 1% back. The 3% categories, which you can change once a month, are: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; and business consulting services. If your spending doesn't fall nicely into those categories, consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card, which offers similar benefits but 1.5% cash back on all purchases instead.
Rewards rate: Up to 3% cash back + long intro APR
If your business or side hustle has you paying a lot for gas, office supplies or mobile phone service, check out the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. It pays 3% cash back on net purchases at gas stations, restaurants, office supply stores and cell service providers, and 1% back on everything else. The card offers a competitive welcome bonus, plus: 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.74%-27.74% Variable APR.
Rewards rate: 1.5% cash back on all purchases
The Capital on Tap Card offers 1.5% cash back on all purchases, has no annual fee and the potential for a low APR. Plus, new customers can earn a welcome bonus: Earn $200 cashback when you spend $15,000 in the first 3 months. Capital on Tap Card is not currently available to sole proprietors, though, which excludes the vast majority of businesses.
Last updated on March 30, 2023
