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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 business credit cards for cash back:
- American Express Blue Business CashTM: Best overall cash back business credit card with expanded buying power
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back with 0% APR for 12 months
- Bank of America Business Advantage Customized Cash Rewards: Best for earning 3% cash back in your chosen category
- Bank of America Business Advantage Unlimited Cash Rewards: Best for earning unlimited, fixed-rate cash back
- Amazon Business Prime American Express Card: Best for earning premium rewards on Amazon and unlimited cash back on other expenses
- Capital One Spark 1% Classic: Best for fair credit with unlimited cash back
- Capital One Spark Cash Plus: Best charge card with unlimited premium cash back and flexible credit limit
- U.S. Bank Business Leverage® Visa Signature® Card: Best for automatic 2X points in your top two spending categories
- card_name: Best for earning 5% cash back on office essentials
- Valley Visa® Secured Business Credit Card: Best secured business credit card for 0% APR period and fixed-rate cash back rewards
Overview of the Best Cash Back Business Credit Cards
Best For | Annual Fee | Welcome Offer | Cash Back Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 American Express Blue Business Cash™ | (Best overall) with expanded buying power | $0 | $250 statement credit | Up to 2% cash back | Good to Excellent | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Earning up to 5% cash back with 0% APR for 12 months | $0 | $750 bonus cash back | Up to 5% cash back | Good to Excellent | |
 Bank of America Business Advantage Customized Cash Rewards | Earning 3% cash back in your chosen category | $0 | $300 statement credit | Up to 3% cash back | Excellent | |
 Bank of America Business Advantage Unlimited Cash Rewards | Earning unlimited, fixed-rate cash back | $0 | $300 online statement credit | 1.5% cash back | Excellent | |
 Amazon Business Prime American Express Card | Earning premium rewards on Amazon and unlimited cash back on other expenses | $0 | $125 Amazon.com Gift Card | Up to 5% cash back or 90-day terms | Good to Excellent | |
 Capital One Spark 1% Classic | Fair credit with unlimited cash back | $0 | None | Up to 5% cash back | Fair | |
 Capital One Spark Cash Plus | Charge card with unlimited premium cash back and flexible credit limit | $1,200 cash bonus | Up to 5% cash back | Excellent | ||
 U.S. Bank Business Leverage® Visa Signature® Card | Automatic 2X points in your top two spending categories | $0 for the first year, $95 thereafter | 75,000 points | N/A | Good to Excellent | |
card_name | Earning 5% cash back on office essentials | annual_fees | $750 bonus cash back | Up to 5% cash back | Good to Excellent | |
 Valley Visa® Secured Business Credit Card | Secured business credit card with 0% APR period & fixed-rate cash back rewards | $0 | None | Unlimited 1% cash back | Poor, Limited |
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 Cash™: 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
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.74% – 25.74%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.74% – 25.74%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
We chose this as our overall best cash back business credit card because it offers a simple rewards program. Also, it features Expanded Buying Power that 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.
Who Should Consider It
- Those who don’t want to redeem your rewards manually
- Those who need to use extra credit limit from time to time
The card also leads our roundup of the top business credit cards for LLCs because of its straightforward rewards and other benefits.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back With 0% APR for 12 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
One of the best features of this card is its 12-month long 0% APR period that applies to purchases. This is why it’s a great choice for those who plan to make a large purchase.
Who Should Consider It
- Those who need to make a significant purchase
- Those who may have a significant expense in the future and need to pay their balance in installments
It tops our list of the leading business cards with no annual fee because it offers several ways to save on credit costs, including lucrative rewards and long interest-free financing.
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
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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
- $0 annual fee
- 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.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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
- $0 annual fee
- 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
You can choose the spending categories where you can earn premium cash back. The good news is that you can change your choice category each month, depending on your business’s expenditures and preferences. What’s more, you can earn up to 75% more cash back through the Preferred Rewards for Business program if you have an existing business checking account with Bank of America.
Who Should Consider It
- Businesses that spend on a particular expense category that could change every month
- Those who have a Bank of America business checking account for a chance to qualify for the Preferred Rewards for Business; read our Bank of America business checking review if you’re interested in opening an account
Due to the card’s unique rewards system, it is also one of our best small business credit cards.
Bank of America Business Advantage Unlimited Cash Rewards: Best for Earning Unlimited, Fixed-rate Cash Back
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
BEST FOR:
Those with an existing business checking account with Bank of America
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- 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.
- 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
- Charges $0 annual fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- 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.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- 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.
- 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.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- 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.
- 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
- Charges $0 annual fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- 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.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- 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.
- 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.
Why We Like It
The card’s simple rewards program is why it is one of our best business credit cards for cash back—you’ll receive fixed-rate rewards on all purchases regardless of expense categories. Plus, it charges $0 annual fees.
Who Should Consider It
- Businesses with a Bank of America business checking account for a chance to qualify for the Preferred Rewards for Business program
- Those who don’t want to keep track of spending categories
It leads our list of the top business cards for nonprofits because of its straightforward rewards and simplicity.
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
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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 Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can 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
- No 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.
- 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.
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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 Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can 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
- No 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.
- 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
Businesses that frequently make purchases at Amazon have the option to either earn premium cash back or get 90-day interest-free financing on Amazon purchases. The good news is that you can change your benefits selection to rewards or 0% APR terms on future purchases at any time.
Who Should Consider It
- Business owners who are Amazon Prime members
- Those who spend up to $120,000 at Amazon per year to maximize the premium rewards
The card also tops our list of the best Amazon business credit cards. Keep in mind that you need to pay around $69 to $179 per year for a Prime membership.
Capital One Spark 1% Classic: Best for Fair Credit With Unlimited Cash Back
Capital One Spark 1% Classic
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
30.74% variable
Annual Fee
$0
Credit Needed
Fair
- 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.
Intro APR
N/A
Regular APR
30.74% variable
Annual Fee
$0
Credit Needed
Fair
- 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 only requires a fair credit score, ranging from 580 to 669, as a qualification requirement. It can also help you improve your credit score when you make consistent on-time payments, as Capital One reports your transactions to the credit bureaus.
Who Should Consider It
- Those who have fair credit and couldn’t qualify for other business credit cards that require a higher credit score
- Those who plan to pay the entire balance 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 and top-recommended business cards for fair credit.
Capital One Spark Cash Plus: Best Charge Card With Unlimited Premium Cash Back & Flexible Credit Limit
card_name
BEST FOR:
Businesses that want simple yet generous cash back
Intro APR
intro_apr_rate,intro_apr_duration
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Annual Fee
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Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- 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.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- 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.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- 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.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- 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 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.
Who Should Consider It
- Those who can pay the full balance each month
- Those who 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.
U.S. Bank Business Leverage® Visa Signature® Card: Best for Automatic 2x Points in Your Top Two Spending Categories
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- 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.
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- 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
This card 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, you’ll enjoy an introductory $0 annual fee for the first year, and you’ll only be charged $95 every year after that.
Who Should Consider It
- Those who want to earn premium rewards but don’t want to keep track of spending categories
- Those who can spend at least $7,500 within 120 days to take advantage of the welcome offer
It is also one of our best business cards for travel because of its easy rewards structure.
card_name: Best for Earning 5% Cash Back on Office Essentials
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after 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.
- $0 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.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after 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.
- $0 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. On top of that, it has a $0 annual fee and comes with a lucrative welcome offer.
Who Should Consider It
- Those who have an office-based business and spend up to $25,000 per year on office essentials
- Businesses wanting to maximize their rewards-earning potential and earn a relationship bonus every year
It is also an excellent option if you are a consultant. In fact, it is one of our top business cards for consultants.
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
Intro APR
0% introductory APR on purchases and balance transfers for first 6 months
Regular APR
15.70% to 27.25%, variable
Annual Fee
$0
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
- 110% percent of your approved credit limit
- $1,000 to $25,000, based on customer request
Pros
- Applicants with poor or limited credit history 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
- Report to major credit bureaus
Cons
- Credit limits are capped to $25,000
- Requires refundable security deposit of 110% credit limit
- Up to 25 free employee cards only
- Charges foreign transaction fee
- Online account access: Manage your account conveniently through online access.
- Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
- Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
- Report to major credit bureaus: The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use.
Intro APR
0% introductory APR on purchases and balance transfers for first 6 months
Regular APR
15.70% to 27.25%, variable
Annual Fee
$0
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
- 110% percent of your approved credit limit
- $1,000 to $25,000, based on customer request
Pros
- Applicants with poor or limited credit history 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
- Report to major credit bureaus
Cons
- Credit limits are capped to $25,000
- Requires refundable security deposit of 110% credit limit
- Up to 25 free employee cards only
- Charges foreign transaction fee
- Online account access: Manage your account conveniently through online access.
- Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
- Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
- Report to major credit bureaus: 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. In addition, it comes with a 0% introductory APR on purchases and balance transfers for the first six billing cycles. Even business owners with bad or limited credit history can qualify—you only need to make a security deposit equal to 110% of your desired credit limit, up to $25,000.
Who Should Consider It
- Business owners who have a low or limited personal credit history and could not qualify for a traditional unsecured business credit card
- Those who have sufficient cash on hand to use as a security deposit
The card’s unique features are why it tops our lists of the best secured business cards and leading business cards for bad credit.
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 one that allows you to choose your premium categories.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
