10 Best Cash Back Business Credit Cards of 2022

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

16.24% - 24.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

16.24% - 24.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates & Fees

Rewards:

2% cash back on all eligible purchases up to $50,000 per calendar year
1% cash back when the $50,000 cap is met
$250 statement credit after spending $3,000 in qualifying purchases within the first three months after card opening

Why we like it: The American Express Blue Business Cash^TMis our best cash back business credit card because of its generous rewards and simplicity. It’s ideal for businesses with annual expenses of up to $50,000 as the premium cash back of 2% is applicable to the first $50,000 expenses in a year. Plus, your rewards will be credited to your statement automatically, giving you instant savings on your expenses.

It has no annual fee and features expanded buying power, which allows you to spend over your credit limit when you need to. It’s important to note that the amount you can spend will depend on your usage, payment behavior, credit score, and financial resources. This feature is one of the reasons why it made our list of the leading business credit cards for startups.

Chase Ink Business Unlimited®: Best for Unlimited Rewards With Flexible Redemption Options

Ink Business Unlimited® Credit Card

BEST FOR:

Pocketing 1.5% cash back on every single purchase

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

15.49% - 21.49% Variable

Annual Fee

Credit Needed

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 US 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 less

Intro APR

0% Intro APR on Purchases

Regular APR

15.49% - 21.49% Variable

Annual Fee

Credit Needed

Good, Excellent

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 US 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 less

Rewards:

Unlimited 1.5% cash back rewards on all business-related purchases
$750 bonus cash back after spending $7,500 on purchases during the first three months after opening an account

Why we like it: The Chase Ink Business Unlimited® card is a great choice if your business purchases don’t fall into two or three spend categories. It offers fixed-rate, unlimited 1.5% cash back on all purchases, regardless of expense categories. Plus, it doesn’t charge an annual fee, which is a great way to save on overall cost.

Your rewards never expire, and you can redeem them for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®. If you plan to make a large purchase, you can take advantage of the interest-free financing option for the first 12 months after opening an account. It’s our overall best business credit card for sole proprietors because of its unlimited ongoing rewards and flexible redemption options.

Chase Ink Business Cash®: Best for Earning Cash Back on Office Essentials

Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

15.49% - 21.49% Variable

Annual Fee

Credit Needed

Earn $750 bonus cash back after you spend $7,500 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
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

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 3 years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

15.49% - 21.49% Variable

Annual Fee

Credit Needed

Good, Excellent

Earn $750 bonus cash back after you spend $7,500 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
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

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 3 years or less.

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
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
$750 bonus cash back after spending $7,500 on purchases in the first three months after opening an account

Why we like it: If your recurring expenses include office supplies, internet, cable, and phone services, the Chase Ink Business Cash® card lets you earn a premium 5% cash back on the first $25,000 in combined purchases on these spending categories each year. There’s no annual fee, and you can enjoy a 0% APR period for 12 months on purchases after opening an account. It’s also our top-recommended business credit card for LLCs—so if you’re an LLC with volume expenses on office essentials, this card is right for you.

Similar to the Chase Ink Business Unlimited® card, you can redeem your rewards as cash back, gift cards, merchandise, or travel through Chase Ultimate Rewards®. Your cash rewards don’t expire as long as your account remains open and in good standing.

U.S. Bank Business Triple Cash Rewards World Elite^TM Mastercard®: Best for Fuel & Dining Expenses

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

BEST FOR:

0% APR for 15 billing cycles

On US Bank's Secure Website

Intro APR

0% for first 15 billing cycles

Regular APR

16.24% - 25.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.24% to 25.24%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No 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.

See Rates
& Fees

Intro APR

0% for first 15 billing cycles

Regular APR

16.24% - 25.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.24% to 25.24%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No 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.

See Rates and Fees

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
$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

Why we like it: If you’re often on the road, you can take advantage of U.S. Bank Business Triple Cash Rewards World Elite^TM Mastercard®’s premium rewards on gas and dining expenses. It’s our overall best fuel business credit card. Plus, it offers an introductory 0% APR period on both purchases and balance transfers for the first 15 billing cycles, making it a great option if you plan to make a significant purchase or consolidate your debt from another credit card.

It comes with no annual fee—and with its generous cash back rewards, you’ll save money on your business expenses. It’s one of the reasons why it’s also named our leading business credit card with no annual fee.

Bank of America Business Advantage Customized Cash Rewards: Best for Earning Cash Back in a Chosen Category

Business Advantage Cash Rewards Mastercard® credit card

BEST FOR:

Up to 3% cash back in a spending category of your choice

on Business Advantage Cash Rewards Mastercard® credit card's secure website.

Intro APR

Regular APR

13.74% - 23.74% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening―with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first nine billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Pros

Flexible redemption options
No annual fee
Sign-up bonus

Cons

Premium rewards are capped at $50,000 each year
Earns top rewards in only one spending category only
Short 0% APR period

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Intro APR

Regular APR

13.74% - 23.74% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening―with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first nine billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Pros

Flexible redemption options
No annual fee
Sign-up bonus

Cons

Premium rewards are capped at $50,000 each year
Earns top rewards in only one spending category only
Short 0% APR period

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Rewards:

For the first $50,000 in your combined choice category and dining purchases each 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 categories
$300 statement credit after making $3,000 or more in purchases in the first 90 days of card ownership

Why we like it: The Bank of America Business Advantage Customized Cash Rewards card lets you choose which spend category you want to earn premium rewards on. This is ideal for businesses that have significant expenses in a particular expense category. Plus, you can change your choice category each month, depending on your preference. You can also earn up to 75% more cash back on all purchases if you have a business checking account with Bank of America and qualify for the Preferred Rewards for Business program.

Keep in mind that you’ll only earn 3% cash back on your choice category and 2% cash back on dining on the first $50,000 worth of combined expenses in a year. After that, you’ll receive 1% cash back on all purchases. It charges no annual fee and offers 0% APR on purchases for the first nine billing cycles. Due to its flexible expense categories, it’s one of our top-ranking business credit cards with 0% APR.

PNC Cash Rewards® Visa Signature®: Best for Carrying a Balance

PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders who want to earn cash back rewards

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

13.24% to 22.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.

Intro APR

0% for 9 billing cycles

Regular APR

13.24% to 22.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.

Rewards:

Unlimited 1.5% cash back on all eligible net purchases
$400 statement credit after making $3,000 in net purchases during the first three months of card membership.

Why we like it: The PNC Cash Rewards® Visa Signature® card is a great option if you plan to carry a balance, as it comes with the lowest starting APR among all other business credit cards on this list. In addition, it offers 0% APR on purchases for the first nine billing cycles after account opening.

You can redeem your cash back as a statement credit or as a deposit into an eligible PNC business checking or savings account. It doesn’t charge an annual fee, helping you reduce your overall credit cost. It’s one of our top business credit cards that don’t report to personal credit bureaus, making it an excellent option if you don’t want your business transactions to affect your personal credit score.

Amazon Business Prime American Express Card: Best for Frequent Amazon Shoppers

Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

17.24% - 25.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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
No annual and foreign transaction fees

Cons

No 0% introductory 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.

See Rates
& Fees

Intro APR

N/A

Regular APR

17.24% - 25.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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
No annual and foreign transaction fees

Cons

No 0% introductory 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.

See Rates & Fees

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
$125 Amazon.com gift card upon approval with an eligible Prime membership

Why we like it: The Amazon Business Prime American Express Card is designed for business owners with an Amazon Prime membership who make frequent purchases from the platform. You can choose to either earn 5% cash back at Amazon.com, Whole Foods, Amazon Business, and Amazon Web Services or take advantage of the 90-day interest-free term. The good news is that you can change your benefits selection to rewards or terms on future purchases at any time.

It has no annual fee; however, you’ll need an Amazon Business Prime membership to qualify. Currently, Amazon Prime business memberships could cost from $69 to $179 per year. It’s our top choice for the best Amazon business credit cards.

Capital One® Spark® Classic: Best Card for Business Owners With Fair Credit

Capital One® Spark® Classic for Business

BEST FOR:

Fair credit business owners (580 to 669)

on Capital One® Spark® Classic for Business's secure website.

Intro APR

N/A

Regular APR

26.99% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Intro APR

N/A

Regular APR

26.99% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Rewards:

5% cash back on hotels and car rentals booked through Capital One Travel
1% cash back on all other purchases

Why we like it: If you have fair or limited credit, the Capital One® Spark® Classic is your best choice. It’s our top-recommended business credit card for fair credit. It can help you improve your credit score when you make consistent on-time payments, as Capital One reports your transactions to the credit bureaus. Plus, you’ll receive 1% cash back on all business purchases, which you can redeem as a statement credit, check sent by mail, or gift cards in select merchants.

While it has no annual fee, it comes with a high APR—so it’s recommended that you pay your balance in full every billing cycle to avoid paying a high interest. Since it only requires fair credit, you can get approved immediately, provided you meet all the other requirements. This is the reason why it’s named one of our best instant approval business credit cards.

Bank of America Business Advantage Unlimited Cash Rewards Secured: Best for Business Owners With Poor Credit

Business Advantage Unlimited Cash Rewards Secured Credit Card

on Business Advantage Unlimited Cash Rewards Secured Credit Card's secure website.

Intro APR

None

Regular APR

24.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

No annual fee
Unlimited rewards
Builds business credit

Cons

Security deposit is required
No sign-up bonus
No 0% Intro APR

Cash flow management tools
Travel and emergency services
Online and mobile access
Balance Connect™ for overdraft protection
Zero liability protection

Intro APR

None

Regular APR

24.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

No annual fee
Unlimited rewards
Builds business credit

Cons

Security deposit is required
No sign-up bonus
No 0% Intro APR

Cash flow management tools
Travel and emergency services
Online and mobile access
Balance Connect™ for overdraft protection
Zero liability protection

Rewards:

Unlimited 1.5% cash back on all purchases

Why we like it: If you have poor credit, the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card can help you build or improve credit, which is why it’s one of our leading business secured credit cards. It offers unlimited 1.5% cash back on all purchases, has no annual fee, and only requires a security deposit of at least $1,000 to qualify. The amount of your security deposit will determine your credit limit.

Keep in mind that you need to use this card responsibly and pay your balance on time to help build your credit. This will allow you to qualify for unsecured business credit cards.

Capital One® Spark® Cash Plus: Best Charge Card With Unlimited Cash Back & Flexible Credit Limit

Capital One® Spark® Cash Plus Card

BEST FOR:

Businesses that want purchasing power and can pay their balances in full every month

On Capital One's Secure Website

Intro APR

None

Regular APR

None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee

Annual Fee

$150

Credit Needed

Excellent

Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
Earn an annual $200 cash bonus every year you spend $200,000 or more.

Pros

No preset spending limit
Up to $1,000 cash bonus
Unlimited 2% cash back on all purchases
Opportunity to earn annual cash bonus

Cons

Requires an annual fee
Need to pay in full every month
Requires excellent credit

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
Roadside assistance: Emergency services such as jump-starting, tire changing, and towing

Intro APR

None

Regular APR

None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee

Annual Fee

$150

Credit Needed

Excellent

Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
Earn an annual $200 cash bonus every year you spend $200,000 or more.

Pros

No preset spending limit
Up to $1,000 cash bonus
Unlimited 2% cash back on all purchases
Opportunity to earn annual cash bonus

Cons

Requires an annual fee
Need to pay in full every month
Requires excellent credit

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
Roadside assistance: Emergency services such as jump-starting, tire changing, and towing