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Best Cash Back Credit Cards for Business

March 25, 2020
Business Credit Cards, Cash Back Credit Cards, Credit Cards
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  • Bank of America® Business Advantage Cash Rewards Mastercard® credit card

As a result, offers described on this page may be out of date. See our best credit cards page for updated offers.

Using a cash-back credit card for business expenses can give you an effective discount of 1% to 5% on the things you buy for your business or side hustle. When choosing a small-business cash-back card, take a look at your expenses. If you spend a lot in traditional business categories like office supplies, gas or telecommunications, consider a card that pays bonus rewards in those areas. If your spending is all over the place, you might be better off with a flat-rate card that pays the same percentage on everything.

» MORE: NerdWallet’s best small-business credit cards 

Capital One® Spark® Cash for Business

2% cash back on all purchases

NerdWallet rating: 5 (out of 5)

The Capital One® Spark® Cash for Business 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 one complication: It has an annual fee of $0 intro for the first year, then $95, although you can offset that somewhat with the stellar bonus offer for new cardholders: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Keep in mind that the annual fee could also be a deductible business expense.

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $0 intro for the first year, then $95

    APR

    • APR: 18.49% Variable APR
    • Penalty APR: 30.90%, Variable
    • Cash Advance APR: 24.49%, Variable

    Bonus Offers

    Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

    Intro APR

    • N/A
  • Additional Information
    • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
    • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
    • $0 annual fee for the first year; $95 after that
    • Free employee cards, which also earn unlimited 2% cash back on all purchases
    • $0 Fraud Liability if your card is lost or stolen
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
    • No foreign transaction fees

Discover it® Business Card

1.5% cash back on all purchases

NerdWallet rating: 4.8 (out of 5)

The Discover it® Business Card pays unlimited 1.5% cash back on all purchases. It also comes with Discover’s signature bonus offer for new cardholders, which the issuer describes this way: “Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.” Although you have to wait a year to collect it, that could be more lucrative than the upfront bonuses offered by competing cards, depending on how much you spend.

Discover it® Business Card

Discover it® Business Card

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • No foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 14.49% - 22.49% Variable APR
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.

    Intro APR

    • 0% on Purchases for 12 months
  • Additional Information
    • INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
    • Earn 1.5% cash back on every dollar spent on all purchases.
    • Redeem your cash back for any amount, any time. Your rewards never expire.
    • Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
    • Add up to 50 free employee cards.
    • No annual fee.
    • 100% U.S. based customer service. Talk to a real person at any time, day or night.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • View Rates and Fees

American Express Blue Business Cash™ Card

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

NerdWallet rating: 4.7 (out of 5)

The American Express Blue Business Cash™ Card pays 2% cash back on the first $50,000 in eligible purchases each year and 1% after that. Terms apply. 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. There’s no bonus offer for new cardholders, though. Rewards are automatically credited to your statement each month.

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee

    Cons

    • Annual spending cap
    • No welcome offer

    Annual Fees

    $0

    APR

    • APR: 13.24% - 19.24% Variable APR
    • Penalty APR: 29.24%, Variable

    Bonus Offers

    None

    Intro APR

    • 0% on Purchases and Balance Transfers for 12 months
  • Additional Information
    • 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 and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply

Ink Business Unlimited℠ Credit Card

1.5% cash back on all purchases

NerdWallet rating: 4.6 (out of 5)

As the name suggests, the Ink Business Unlimited℠ Credit Card pays unlimited 1.5% cash back on all purchases. It offers a doozy of a sign-up bonus for a card with a $0 annual fee: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • Intro APR period on Purchases

    Cons

    • Has foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 14.74% - 20.74% Variable APR
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

    Intro APR

    • 0% on Purchases for 12 months
  • Additional Information
    • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • 0% introductory APR for 12 months on purchases
    • Employee cards at no additional cost
    • No Annual Fee

Ink Business Cash℠ Credit Card

Up to 5% cash back in bonus categories

NerdWallet rating: 4.4 (out of 5)

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 $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Intro APR period on Purchases
    • High rewards rates in certain categories
    • Sign-up bonus

    Cons

    • Requires good/excellent credit
    • Spending caps in bonus categories
    • Low rewards rate outside bonus categories

    Annual Fees

    $0

    APR

    • APR: 14.74% - 20.74% Variable APR
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

    Intro APR

    • 0% on Purchases for 12 months
  • Additional Information
    • Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
    • 0% introductory APR for 12 months on purchases
    • Employee cards at no additional cost
    • No Annual Fee

Capital One® Spark® Cash Select for Business

1.5% cash back on all purchases

NerdWallet rating: 4.2 (out of 5)

The Capital One® Spark® Cash Select for Business 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), and the bonus offer is smaller: Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening. On the flip-side, there’s a 0% introductory APR offer that the annual-fee version doesn’t have.

Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • No foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 14.49% - 22.49% Variable APR
    • Penalty APR: 30.90%, Variable
    • Cash Advance APR: 24.49%, Variable

    Bonus Offers

    Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening

    Intro APR

    • 0% on Purchases for 9 months
  • Additional Information
    • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
    • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
    • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
    • No annual fee
    • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
    • $0 Fraud Liability if your card is lost or stolen
    • No foreign transaction fees

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

Up to 3% cash back + customizable rewards

NerdWallet rating: 4 (out of 5)

The Bank of America® Business Advantage 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. You can also earn a good bonus, described by the issuer with this language: “Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.”

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Up to 3% cash back + annual rewards bonus

NerdWallet rating: 3.9 (out of 5)

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 Cash Rewards World Elite™ MasterCard®. It pays 3% cash back on net purchases at gas stations, office supply stores and cell service providers, and 1% back on everything else. You also get an annual bonus of 25% of your earned rewards (up to $250), which could push your effective rewards rate to 3.75% in the bonus categories and 1.25% elsewhere. Sign-up bonus: Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening.

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Apply Now on US Bank's secure site
  • Recommended Credit Score
  • 720
    850
    Excellent
  • Card Details
  • Pros

    • Bonus cash back categories
    • No annual fee
    • Intro APR period on Purchases

    Cons

    • Needs excellent credit

    Annual Fees

    $0*

    APR

    • APR: 11.99% - 22.99%* Variable APR
    • Penalty APR: Up to 29.99%, Variable
    • Cash Advance APR: 23.99%, Variable

    Bonus Offers

    Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening.

    Intro APR

    • 0% Intro APR* on purchases for the first 9 billing cycles
  • Additional Information
    • Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening.
    • 0% Intro APR on purchases for the first 9 billing cycles. After that, a variable APR currently 11.99% - 22.99%.
    • 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases.
    • 1% cash back on other eligible net purchases.
    • No limit on total rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250.
    • No annual fee.*
    • Net purchases are purchases minus credits and returns.
    • View Rates and Fees

To view rates and fees of the American Express Blue Business Cash™ Card, please visit this page.

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.