The best cash back business credit cards reward your business’ usual expenses. When choosing one, consider the fees associated with the card, the introductory and ongoing annual percentage rates (APRs), the available welcome bonus, and other features that are valuable to your company. In addition, review whether there are limits to the amount of cash back you can earn, when they expire, and the available redemption options.
Here are the 10 best cash back business credit cards:
- American Express Blue Business CashTM: Best overall cash back business credit card with expanded buying power
- U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®: Best for earning up to 5% cash back with 0% APR for 15 months
- Bank of America Business Advantage Customized Cash Rewards: Best for earning 3% cash back in your chosen category
- U.S. Bank Business Leverage® Visa Signature® Card: Best for automatic 2% cash back in your top two spending categories
- Chase Ink Business Cash®: Best for earning 5% cash back on office essentials
- Capital One Spark Cash Plus: Best charge card with unlimited premium cash back and flexible credit limit
- Amazon Business Prime American Express Card: Best for earning premium rewards on Amazon and unlimited cash back on other expenses
- Chase Ink Business PremierSM: Best charge card for earning rewards on large purchases
- Capital One® Spark® Classic for Business: Best for fair credit with unlimited cash back
- Valley Visa® Secured Business Credit Card: Best for secured business credit card for 0% APR period & fixed-rate cash back rewards
Best Cash Back Business Credit Cards At a Glance
To see how these cards stack up against one another or others reviewed on our site, click Add to Compare on a card below and choose up to two additional cards for comparison.
American Express Blue Business CashTM: Best Overall Cash Back Business Credit Card With Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- 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, 18.49% - 26.49%, 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.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- 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, 18.49% - 26.49%, 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.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Why we like it: It tops our list of the best cash back business credit cards because of its simple rewards program and Expanded Buying Power feature, which lets you spend over your credit limit when needed. Note that the amount you can spend will vary based on your card usage, credit score, payment history, and other financial factors.
Ongoing reward:
- Unlimited 1.5% cash back rewards on all business-related purchases
Expiration and redemption:
You don’t need to worry about expiration because your rewards will be credited to your statement automatically, giving you instant savings on your expenses.
Other benefits:
- $0 annual fee
- 0% APR for the first 12 months of card ownership
- $250 statement credit when you spend $3,000 in the first three months after opening an account
Consider the American Express Blue Business CashTM if:
- You don’t want to redeem your rewards manually
- Your business credit needs vary and you may need to use extra credit limit from time to time
It is also our top business credit card for limited liability company (LLC) because of its straightforward rewards and other benefits.
U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®: Best for Earning Up to 5% Cash Back With 0% APR for 15 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- 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 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- 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 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Why we like it: One of the best features of this card is its 15-month long 0% APR period that applies to both purchases and balance transfer transactions. This is why it’s a great choice for those who plan to make a large purchase or consolidate debts from other credit cards.
Ongoing rewards:
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants
- 1% cash back on all other net purchases
Expiration and redemption:
There is no expiration or limit on the total rewards you can earn. You can redeem your rewards in the form of a statement credit or deposit to a U.S. Bank checking, savings, or money market account. You may also transfer them to a U.S. Bank reward card.
Other benefits:
- $0 annual fee
- $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- $500 bonus cash back after spending $4,500 on eligible purchases within the first 150 days after opening an account
- ExtendPay® Plan lets you divide your eligible balance into monthly installments without interest, just a fixed monthly fee
Consider the U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard® if you:
- Need a long 0% APR period for purchases or balance transfers
- Pay for a recurring software subscription
Due to this card’s lucrative rewards and long interest-free financing period, it is our leading business card with no annual fee.
Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for Earning 3% Cash Back in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
9 billing cycles
- 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 & EV charging 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% cash back on purchases in the category of your choice and 2% cash back on dining purchases 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 Preferred Rewards for Business Platinum Honors 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 as long as your account remains open.
- 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 18.49% to 28.49% 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
9 billing cycles
- 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 & EV charging 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% cash back on purchases in the category of your choice and 2% cash back on dining purchases 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 Preferred Rewards for Business Platinum Honors 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 as long as your account remains open.
- 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 18.49% to 28.49% 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why we like it: The card allows you to choose the spending categories where you can earn premium cash back on. The good news is that you can change your choice category each month, depending on your business’s expenditures and preference.
Ongoing rewards:
- For the first $50,000 combined expenses per calendar year, earn:
- 3% cash back on the category of your choice—you can choose from gas, office supplies, travel, TV, or telecommunication services, computer services, and business consulting services
- 2% cash back on dining
- When the cap is met, earn:
- 1% cash back on all purchases, regardless of spending category
Expiration and redemption:
Rewards do not expire and you can redeem them as a deposit to your Bank of America checking or savings account, as an automatic statement credit, or via check sent by mail.
Other benefits:
- $0 annual fee
- $300 statement credit after making $3,000 or more in purchases in the first 90 days of card ownership
- 0% APR on purchases for the first nine billing cycles
- Up to 75% more cash back on all purchases if you have a Bank of America business checking account and qualify for the Preferred Rewards for Business program
Consider the Bank of America® Business Advantage Customized Cash Rewards Credit Card if:
- Your business spends on particular expense categories
- You have a Bank of America business checking account for a chance to qualify for the Preferred Rewards for Business
Due to the card’s unique rewards system, it is also one of our best small business credit cards.
U.S. Bank Business Leverage® Visa Signature® Card: Best for Automatic 2% Cash Back in Your Top Two Spending Categories
U.S. Bank Business Leverage® Visa Signature® Card
BEST FOR:
Expenses that shift from month to month
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Why we like it: If your business’s monthly expenses have varying categories, you’ll benefit from this card because it lets you earn a higher cash back rate on your top two expense categories where you spend the most. You don’t need to manually choose the categories for your premium cash back. Plus, it comes with a low annual fee of $95, which is waived for the first year.
Ongoing rewards:
- 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center
- 2% cash back in the top two categories where you spend the most each month automatically
- 1% cash back on all other eligible purchases
Expiration and redemption:
There is no cap on the total cash back you can earn, but your rewards will expire five years from the date they were earned. You can redeem your cash back through the U.S. Bank’s online Rewards Center as gift cards, merchandise rewards, travel, and statement credit.
Other benefits:
- $750 bonus after spending $7,500 in eligible purchases within the first 120 days of opening an account
- No foreign transaction fee
- ExtendPay® Plan allows you to divide the balance into fixed monthly payments with no interest for a small monthly fee
Consider the U.S. Bank Business Leverage® Visa Signature® Card if you:
- Plan to use your card for international purchases
- Don’t want to keep track of spending categories
It is also chosen as one of the best business cards with no foreign transaction fees because of its easy rewards structure.
Chase Ink Business Cash®: Best for Earning 5% Cash Back on Office Essentials
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Earn $900 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
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
- Earn $900 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
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Why we like it: It is a good choice if your recurring expenses include office supplies, internet, cable, and phone services because you’ll earn a high cash back rate on these categories. What’s more, it has no annual fee and offers other benefits that are valuable for your business.
Ongoing rewards:
- 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, then 1% cash back after the cap is met
- 5% total cash back on Lyft rides until March 2025
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% cash back after the cap is met
- 1% cash back on all other purchases
Expiration and redemption:
Your cash rewards don’t expire as long as your account remains open and in good standing.
You can redeem your rewards as cash back, gift cards, merchandise, or travel through Chase Ultimate Rewards®.
Other benefits:
- 0% APR period for 12 months on purchases after opening an account
- $900 bonus cash back after spending $6,000 on purchases in the first three months after opening an account
- Up to 200,000 points per year as referral rewards when you already have a Chase Ink card and successfully refer other business owners
Consider the Chase Ink Business Cash® if you:
- Have an office-based business that requires you to travel from time to time
- Spend up to $25,000 per year on office essentials
As one of our top-ranking high-limit business cards, it is an excellent option if you need a high credit limit.
Capital One Spark Cash Plus: Best Charge Card With Unlimited Premium Cash Back & Flexible Credit Limit
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BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why we like it: If you can pay your balance in full each month and you need a flexible credit limit, this card is an excellent choice. It doesn’t have a preset spending limit—your credit limit adjusts based on your spending behavior, payment history, and credit score.
Ongoing rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 2% cash back on all business-related purchases
Expiration and redemption:
There is no cap to the amount of cash back you can earn, and rewards do not expire so long as your account is active. You can redeem your cash back as a statement credit or check. You can also set an automatic redemption preference, based on your preferred set time each calendar year or when a threshold is reached.
Other benefits:
- $1,500 cash back once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months
- $150 in statement credit after spending at least $150,000 in net purchases by your membership anniversary date—this will offset your annual fee
- No foreign transaction fees
Consider the Capital One Spark Cash Plus if you:
- Can pay your balance in full each month
- Plan to spend at least $30,000 within the first three months of card ownership to take advantage of the welcome bonus
Note that if you fail to pay your balance in full, you’ll be charged a monthly late fee of 2.99%. This card is also one of our leading instant approval business cards due to its generous bonuses.
Amazon Business Prime American Express Card: Best for Earning Premium Rewards on Amazon & Unlimited Cash Back on Other Expenses
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $0 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.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $0 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.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why we like it: It is exclusive for business owners with an Amazon Prime membership who make frequent purchases from Amazon. You can choose to either earn premium cash back or 90-day terms on Amazon purchases. The good news is, you can change your benefits selection to rewards or terms on future purchases at any time.
Ongoing rewards:
- 5% back or 90-day terms on US purchases at Amazon Business, AWS, Amazon, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% back thereafter
- 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
Expiration and redemption:
Rewards don’t expire as long as your account remains in good standing. You can redeem your rewards for eligible Amazon purchases, to shop at Amazon.com and Amazon.com/Business, or as a statement credit.
Other benefits:
- $0 annual fee
- $125 Amazon.com gift card upon approval with an eligible Prime membership
- No overlimit and foreign transaction fees
Consider the Amazon Business Prime American Express Card if you:
- Have an existing Prime membership
- Spend up to $120,000 at Amazon per year
It is also our top choice for the best Amazon business credit cards. Keep in mind that you need to pay around $69 to $179 per year for a Prime membership.
Chase Ink Business PremierSM: Best Charge Card for Earning Rewards on Large Purchases
Ink Business Premier℠ Credit Card
BEST FOR:
Those who make large purchases frequently
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the United States manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the United States manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
Why we like it: This is a good option if you want to maximize the rewards you earn after making large purchases. It is a pay-in-full card that provides an option to pay off eligible balance over time with interest through its Flex for Business feature. If you choose to pay your balance in full each billing cycle, you will have access to increased spending power and other premium benefits.
Ongoing rewards:
- 5% cash back on Lyft rides until March 2025
- 2.5% cash back on purchases worth $5,000 or more
- 2% cash back on all other purchases
Expiration and redemption:
There’s no limit to the cash back you can earn. Also, your rewards will not expire so long as your account is active and in good standing. You can redeem your points through Chase Ultimate Rewards® and use them to pay for business purchases made on Amazon.com and PayPal, book a business trip, redeem gift cards at over 150 brands, and pay for Apple purchases through the Apple Ultimate Rewards Store.
Other benefits:
- $1,000 bonus cash back after spending $10,000 within the first three months after account opening
- No foreign transaction fees
Consider the Chase Ink Business PremierSM if you:
- Can typically pay your entire balance each billing cycle
- Usually make large single-transaction purchases of $5,000 or more
Note that it comes with an annual fee of $195. The rewards and features that come with the card are why it is one of our leading credit cards for the self-employed.
Capital One® Spark® Classic for Business: Best for Fair Credit With Unlimited Cash Back
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Why we like it: The card can help you improve your credit score when you make consistent on-time payments, as Capital One reports your transactions to the credit bureaus. Since it only requires fair credit, it is our top-recommended business card for fair credit.
Ongoing rewards:
- 5% cash back on hotels and car rentals booked through Capital One Travel
- Unlimited 1% cash back on all other purchases
Expiration and redemption:
Your cash back doesn’t expire as long as your account is open and in good standing. You can use your cash back as a statement credit, check sent by mail, or gift cards in select merchants.
Other benefits:
- $0 annual fee
- No foreign transaction fees
Consider the Capital One® Spark® Classic for Business if you:
- Have fair credit and couldn’t qualify for other business credit cards that require a higher credit score
- Plan to pay your balance in full each month to avoid paying high interest rates; although you may carry a balance to the next billing cycle, the ongoing APR is quite high
Since it only requires fair credit, you can get approved immediately, provided you meet all the other requirements. This is why it’s one of our leading instant approval business cards.
Valley Visa® Secured Business Credit Card: Best Secured Business Credit Card for 0% APR Period & Fixed-rate Cash Back Rewards
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Why we like it: It is a secured business credit card that lets you earn unlimited cash back while helping you build your credit score with responsible use. On top of that, it comes with 0% introductory APR on purchases and balance transfers for the first six billing cycles.
Ongoing rewards:
- Unlimited 1% cash back on all purchases
Expiration and redemption:
There’s no limit to the amount of cash back you can earn, and your rewards don’t expire so long as your account remains open. Your cash back can be redeemed as a statement credit.
Other benefits:
- $0 annual fee
- Up to 25 employee cards at no additional cost
- Up to $25,000 credit limit, depending on your security deposit
Consider the Valley Visa® Secured Business Credit Card if:
- Your credit score could not qualify for a traditional unsecured business credit card
- You have sufficient cash on hand to use as security deposit—you need to make a security deposit that’s equal to 110% of your requested credit limit
The card’s unique features are why it is chosen as our best secured business card.
How We Selected the Best Cash Back Business Credit Cards
When choosing the best cash back business credit cards, we first considered the spending categories where you could earn cash back and whether there’s a maximum limit on how much you can earn. We also took into account the annual fees, introductory and ongoing APRs, introductory rewards, and redemption options.
Frequently Asked Questions (FAQs)
A cash back business credit card allows you to earn cash rewards when making eligible purchases with it. At the end of the billing cycle, your statement shows how much you’ve earned in rewards. For example, if your purchases add up to $5,000 at the end of the billing cycle and your card’s rewards rate is 2%, then your cash reward for the month would be $100.
You can use your cash back either as a statement credit, a direct deposit into your eligible bank account, or a check sent by mail—and some cards even allow you to use your rewards toward travel, gift cards, or merchandise. Some issuers will allow rewards to accumulate over time, and you can choose when to use them, while others are automatically credited to your statement. Be sure to read the fine print to check if your rewards will expire.
Cash back business credit cards help you save on your business expenses since they typically offer a simple rewards structure that lets you earn cash rewards that are usually applied to your billing statement. Also, they enable you to maximize rewards given that there’s a wide range of cards on the market that offer cash back rewards on a variety of spending categories.
Bottom Line
When you’re looking for the best business credit cards for cash back rewards, compare the card’s spending categories with your own everyday expenses. If your expenses vary from month to month, you might benefit more from a fixed-rate card with no spending categories or those that allow you to choose your premium categories. If you’re interested to see other options, check out our guide to the best small business credit cards.