8 Best Cash Back Business Credit Cards

• Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
• Earn 3% cash back on eligible purchases at gas 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 purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• 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.

• 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

• 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, cell phone service providers, and restaurants
• 1% cash back on all other net purchases

There is no expiration or limit on the total rewards you can earn. You can redeem your rewards in the form of a statement credit or deposit to a U.S. Bank checking, savings, or money market account. You may also transfer them to a U.S. Bank reward card.

• $0 annual fee
• $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
• $750 cash back after spending $6,000 on eligible purchases within the first 180 days after opening an account
• ExtendPay^® Plan lets you divide your eligible balance into monthly installments without interest, just a fixed monthly fee

• 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, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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. Learn More.

• 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.)

• 2% cash back on the first $50,000 of eligible purchases per calendar year
• 1% cash back when the cap is reached

You don’t need to worry about expiration because your rewards will be credited to your statement automatically, giving you instant savings on your expenses. With this setup, there’s no need for manual redemption.

• $0 annual fee
• 0% APR for the first 12 months of card ownership
• $250 statement credit when you spend $3,000 in the first three months after opening an account

• Up to 1.5% cash back on purchases, regardless of spending categories

• Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
• Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
• Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
• Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.

• Up to 1.5% cash back on purchases, regardless of spending categories

Your cash back will not expire and will continue to accumulate while your account is active and in good standing. You can redeem your rewards as a statement credit.

• Robust expense management system that lets you track transactions and control spending
• Exclusive partner discounts
• No personal credit check and personal guarantee required

• Earn up to $750 when you spend $6,000 on purchases in the first three 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
• 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
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

• 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.

• 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
• 2% cash back on the first $25,000 in combined purchases on gas and dining each account anniversary year
• 1% cash back on all purchases and when the cap is reached

Rewards don’t expire as long as the account is active and in good standing. You can redeem rewards for cash back, gift cards, travel, Apple products, and more through Chase Ultimate Rewards^®.

• Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
• $0 annual fee
• 0% Intro APR on Purchases 12 months

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
• Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC

• Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
• Extended warranty protection: You can extend the United States manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
• Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
• Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
• Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.

• 5% cash back on Lyft rides until March 2025
• 2.5% cash back on purchases worth $5,000 or more
• 2% cash back on all other business purchases

Rewards don’t expire while your account is active and in good standing. You can redeem your earned cash back as a statement credit, or for gift cards, merchandise, and travel.

• Flex for Business option lets you carry a balance with interest
• $0 foreign transaction fees

• 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.

• 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.

(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.)

• 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

Rewards don’t expire as long as your account remains in good standing. You can redeem your rewards for eligible Amazon purchases, to shop at Amazon.com and Amazon.com/Business, or as a statement credit.

• $0 annual fee
• $125 Amazon.com gift card upon approval with an eligible Prime membership
• $0 overlimit and foreign transaction fees

• 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.

• 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.

• 5X points on prepaid hotels and car rentals booked directly in the Travel Rewards Center
• 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

There is no cap on the total rewards you can earn, but your rewards will expire five years from the date they were earned. You can redeem your points through the U.S. Bank’s online Rewards Center as gift cards, merchandise rewards, travel, and statement credit.

• 75,000 bonus points after spending $7,500 in eligible purchases within the first 120 days of opening an account
• $0 foreign transaction fee
• ExtendPay^® Plan allows you to divide the balance into fixed monthly payments with no interest for a small monthly fee

• 1% unlimited cash back on all purchases
• 110% percent of your approved credit limit
• $1,000 to $25,000, based on customer request

• 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.

• Unlimited 1% cash back on all purchases

There’s no limit to the amount of cash back you can earn, and your rewards don’t expire so long as your account remains open. Your cash back can be redeemed as a statement credit.

• $0 annual fee
• Up to 25 employee cards at no additional cost
• Up to $25,000 credit limit, depending on your security deposit