12 Best Business Cash-Back Credit Cards of November 2026
The needs of businesses of all sizes are constantly evolving, which is why having a cash-back business credit card is a smart choice. Earning and redeeming cash back lets you bring down card balances when you redeem your rewards for a statement credit and it can also help offset larger costs such as purchasing a new computer for example. To help you decide which card is best for you, let’s explore different cash-back business credit cards from our partners.
- Ink Business Unlimited® Credit Card: Best for flat-rate business cash back
- Capital One Spark Cash Plus: Best for unlimited cash back
- Ink Business Cash® Credit Card: Best for office supplies
- Capital One Spark Cash: Best for flat-rate business cash back rewards
- The Blue Business® Plus Credit Card from American Express: Best for no annual fee
- Ink Business Premier® Credit Card: Best for businesses with large purchases
- Graphite™ Business Cash Unlimited Card: Best for simple flat-rate cash back on business spending
- The American Express Blue Business Cash® Card: Best for no annual fee
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for customizable business cash back
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for BofA Preferred Rewards for Business members
- Wells Fargo Signify Business Cash® Card: Best for no annual fee business spending and flat rate rewards
Browse by card categories
Comparing the best business cash-back credit cards
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited.
Pros
- No annual fee
- Generous welcome offer
- Flat 1.5% cash back on all purchases
- Primary insurance for car rentals
Cons
- Higher spend to receive sign-up bonus
- No conversion to Chase points without holding the Chase Sapphire Reserve or Chase Sapphire Preferred Card
- No travel protections
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One Business Travel |
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
- The card features unlimited 2% cash back on every purchase
- This card offers a large welcome bonus
- Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back
Cons
- The card has a $150 annual fee
- The required spend to refund the annual fee is very high
- The card’s balance must be paid in full every month
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 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. |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. |
| 1% | Earn 1% cash back on all other purchases. |
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Ink Business Cash.
Pros
- Lucrative sign-up bonus
- There is no annual fee which is perfect for small business owners
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year
Cons
- 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
- Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2% | Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions |
| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel |
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Pros
- Generous welcome offer
- No foreign transaction fees
- Unlimited 2% cash back
Cons
- Charges an annual fee after the first year of card membership
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express.
Pros
- No annual fee.
- Earn Membership Rewards points and transfer to travel partners.
Cons
- 2x points capped at $50,000 a calendar year (then 1x)
- No higher bonus categories for business-related spending.
- As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend above 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.
- Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
- No Annual Fee
- Terms Apply.
Comparing the best business cash-back credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
at Chase's secure site | flat-rate business cash back | Earn $750 bonus cash back Open Intro bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back Open Rewards rates
| $0 | ||||||
at Capital One's secure site | unlimited cash back | Earn $2,000 Open Intro bonus Earn $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2 - 5% cash-back Open Rewards rates
| $150 | ||||||
at Chase's secure site | office supplies | Earn $750 bonus cash back Open Intro bonus Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening | 1 - 5% cash-back Open Rewards rates
| $0 | ||||||
at Capital One's secure site | flat-rate business cash back rewards | Earn $1,000 cash back Open Intro bonus Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening | 2 - 5% cash-back Open Rewards rates
| $0 intro for first year; $95 after that | ||||||
at American Express's secure site | no annual fee | As High As 50,000 points. Find Out Your Offer. Open Intro bonus As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer. | 2X points Open Rewards rates
| No annual fee |
How we rate business cash back cards
Ask our experts
What is the best business cash back credit card — and why?
How to choose the best business cash-back credit card
- A card’s sign-up bonus is an excellent way to establish a large cache of rewards. Once you’ve earned a sign-up bonus, you can keep building it up by maximizing purchases in categories that earn elevated reward rates.1Sign-up bonus
- Annual fees come in all shapes and sizes, from none to modest to pricey. Choose the card that best suits your business budget and financial needs.2Annual fee
- Opt for a business cash back card that earns the most in categories your business frequently spends in; think office supplies, phone and internet expenses and more.3Bonus categories
Pros + Cons of business cash back cards
Pros
- A business cash back card is a great way to separate your personal and business expenses
- Business cash back cards typically earn elevated rates for business-specific expenses, making them great for earning rewards on necessary purchases
- Cash back is flexible and can be used toward lowering a balance or for a specific purchase
Cons
- Larger expenses may require you to carry a balance which will negatively impact your business credit score
- You are personally responsible for business credit card debt
Frequently asked questions
Cash back is much simpler for a busy entrepreneur. You don’t need to worry about saving points for a dream vacation or spend time poring over award charts to find the best redemption. You can simply take the earnings from the card and plow them right back into growing your business.
You don’t need to have a formal business to get approved for the cards on this list. Many issuers allow individuals to apply for small business credit cards as sole proprietors by simply using their Social Security number on the application. The good news is you become a sole proprietor simply by doing business, so in most cases, you won’t need to file any paperwork in order to become eligible to apply for these cards.
This means that side hustles such as tutoring, consulting, driving for Uber or occasionally selling things on eBay or Etsy could help you get a card.
Cash-back rewards from business credit cards are generally not taxable. This is because the rewards earned on the cards are not viewed as income by the IRS; this extends to all forms of rewards, including points and miles. You can also use business credit card rewards for personal use, they do not have to be used strictly for business expenses.
The answer depends on your business expenses. Earning the most cash back for your business will require you to determine which categories you spend the most money in and whether or not you strategize your spending to earn the maximum amount of rewards on a given card. If your business does not have a particularly high spending category, consider a flat-rate cash back card like the Ink Business Unlimited® Credit Card, which allows you to earn unlimited 1.5% cash back on all purchases for your business.