Best Cash Back Business Cards

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Capital One Spark Cash Plus

Limited Time: Earn up to a $3,000 cash bonus
  • Unlimited 2% Cash Back
  • No Foreign Transaction Fees
  • Capital One Travel Portal
Apply Now Securely with Capital One | (Rates & Fees)

Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions

Foreign Transaction Fee: None
Annual Fee: $150
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • For a limited time through March 11th, 2024, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months
  • Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs
  • Get your $150 annual fee refunded every year you spend at least $150,000
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • This is a pay-in-full card, so your balance is due in full every month
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
Earn up to $3,000 Cash Back

For a limited time through March 11th, 2024, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months

Ink Business Unlimited® Credit Card

Earn $750 bonus cash back
  • Earn unlimited 1.5% cash back on all purchases
  • Car Rental Coverage
  • Extended Warranty Protection
Apply Now Securely with Chase | Terms Apply.
The Ink Business Unlimited is the single best rewards credit card for everyday, non-bonused spending, without any sort of caps. The Ink Unlimited is a phenomenal card to consider for the 1.5x points, especially in conjunction with a card earning Ultimate Rewards points.

Earn unlimited 1.5% cash back on every purchase made for your business

Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months from account opening, then a 18.49% - 24.49% variable APR
Intro Balance Transfer APR: N/A
  • Earn $750 bonus cash back after you spend $6,000 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.
  • 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% introductory APR for 12 months on purchases
  • Member FDIC
Earn $750 Cash Back

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Ink Business Cash® Credit Card

Earn $750 bonus cash back
  • Earn 5% Cash Back at office supply stores
  • Earn 5% Cash Back on internet, cable TV, mobile phones, and landlines
  • Car Rental Coverage
Apply Now Securely with Chase | Terms Apply.
The Ink Business Cash is one of the most rewarding business credit cards out there. The key is that I wouldn’t recommend using this as your primary business credit card for everyday spending. Rather use this as a complement to your overall card portfolio. The 5x points categories are really spectacular, so use those as much as possible. In conjunction with Ultimate Rewards, I value the 5x points at a return of 8.5%.

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

Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months from account opening, then a 18.49% - 24.49% variable APR
Intro Balance Transfer APR: N/A
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Earn $750 Cash Back

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Ink Premier

Ink Business Premier℠ Credit Card

Earn $1,000 bonus cash back
Apply Now Securely with Chase | Terms Apply.

Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.

Foreign Transaction Fee: $0
Annual Fee: $195
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • 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 Travel℠, 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
Earn $1,000 Cash Back

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Capital One Spark Cash Select for Excellent Credit

Earn a $750 bonus
  • 1.5% cash back on all purchases
  • No Annual Fee
  • No Foreign Transaction Fees
Apply Now Securely with Capital One | (Rates & Fees)
If you're looking for a no annual fee business card, there's not another card that offers this rate of return all with no foreign transaction fees.

Earn unlimited 1.5% cash back for your business on every purchase, everywhere – with no limits or category restrictions

Foreign Transaction Fee: None
Annual Fee: $0
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
Earn $750 Cash Back

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

The American Express Blue Business Cash™ Card

Earn a $250 statement credit
  • 2% cash back up to $50k then 1%
  • Access to Amex Offers
Apply Now Securely with Amex | Terms Apply.
If you have a small business and are looking for a no annual fee, straightforward business credit card that earns cash back, then the Blue Business Cash is pretty tough to beat, at least for the first $50,000 spent.

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.

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Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: No annual fee
Intro Purchase APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a 18.49% - 26.49% variable APR
Intro Balance Transfer APR: N/A
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

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

$300 Statement Credit Online Bonus Offer
  • 3% cash back in the category of your choice
  • Great Intro APR Offer
  • No Annual Fee
Apply Now Securely with Bank of America
  • Earn 3% cash back in your choice of one of the following six categories: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
  • Earn 2% cash back on dining purchases.
  • Earn unlimited 1% cash back on all other purchases.

You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
Annual Fee: $0
Intro Purchase APR: 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.
Intro Balance Transfer APR: N/A
  • 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.

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

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

$300 statement credit online bonus offer
  • 1.5% cash back for every $1 spent on all purchases
  • No Annual Fee
  • Excellent Welcome Bonus Offer
Apply Now Securely with Bank of America

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.

Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
Annual Fee: $0
Intro Purchase APR: 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
Intro Balance Transfer APR: N/A
  • 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.

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.