The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for flat-rate business cash back
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.
We chose cards with various sign-up bonuses ranging from statement credits to transferable cash back to provide you with redemption flexibility.
We included cards that run the gamut from a $0 annual fee to more premium offerings so you could choose the best business cash back card for your enterprise.
Each card in our roundup features solid earning rates to help you continue to build your stash of cash back rewards.
Whether you want to use your cash back for a business expense or a statement credit, our top picks are flexible in how you can redeem your rewards.
Some of the cards in this roundup offer things like rental car insurance, while others are multipurpose and can be used abroad thanks to no foreign transaction fees (which is good news for business owners who frequently travel).
Choosing the best business cash back credit card depends mainly on what you want to get out of a card, the financial goals you set for your business and what your overhead and budget look like.
Here are some of the main points to consider when choosing a 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.
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.
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.
Could a business credit card be right for you? Here's what to consider
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.
Best for unlimited cash back
| Rate | Category |
|---|---|
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One Business Travel |
Earn $2,000
$150
25.99% (Variable)
740-850
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.
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.
Best for unlimited cash back
Earn $2,000
$150
25.99% (Variable)
740-850
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.
Best for office supplies
| Rate | Category |
|---|---|
| 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. |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
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.
Best for office supplies
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
Best for flat-rate business cash back rewards
| Rate | Category |
|---|---|
| 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 |
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
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.
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.
Best for flat-rate business cash back rewards
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
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.
Best for no annual fee
| Rate | Category |
|---|---|
| 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. |
As High As 50,000 points. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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.
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.
Best for no annual fee
As High As 50,000 points. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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.
Best for businesses with large purchases
| Rate | Category |
|---|---|
| 5% | Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. |
| 2.5% | Earn unlimited 2.5% total cash back on purchases of $5,000 or more. |
| 2% | Earn unlimited 2% cash back on all other business purchases. |
Earn $1,000 bonus cash back
$195
Flex for Business Variable APR: 17.99% - 28.74%
Good Credit, Excellent Credit
The Ink Business Premier® Credit Card is a strong fit for businesses with significant operating expenses that want straightforward cash-back rewards. It earns an elevated 2.5% cash back on purchases of $5,000 or more, plus unlimited 2% cash back on all other business purchases. While it lacks the transferable travel rewards offered by other Chase business cards, its straightforward earning structure makes it a strong choice for businesses focused on maximizing cash back.
The Ink Business Premier® Credit Card is a strong fit for businesses with significant operating expenses that want straightforward cash-back rewards. It earns an elevated 2.5% cash back on purchases of $5,000 or more, plus unlimited 2% cash back on all other business purchases. While it lacks the transferable travel rewards offered by other Chase business cards, its straightforward earning structure makes it a strong choice for businesses focused on maximizing cash back.
Best for businesses with large purchases
Earn $1,000 bonus cash back
$195
Flex for Business Variable APR: 17.99% - 28.74%
Good Credit, Excellent Credit
The Ink Business Premier® Credit Card is a strong fit for businesses with significant operating expenses that want straightforward cash-back rewards. It earns an elevated 2.5% cash back on purchases of $5,000 or more, plus unlimited 2% cash back on all other business purchases. While it lacks the transferable travel rewards offered by other Chase business cards, its straightforward earning structure makes it a strong choice for businesses focused on maximizing cash back.
Best for simple flat-rate cash back on business spending
| Rate | Category |
|---|---|
| 2% | Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. |
| 5% | Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate. |
Earn $1,500 Cash Back in the form of Reward Dollars
$295
17.99% - 28.74% Variable
Good to Excellent
The Graphite™ Business Cash Unlimited Card offers a straightforward rewards structure with unlimited 2% cash back on eligible purchases and 5% cash back on flights and prepaid hotel bookings made through American Express Travel® Online. Combined with flexible spending features, it's designed for business owners who prioritize simplicity over premium perks.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at amazon.com checkout.
The Graphite™ Business Cash Unlimited Card offers a straightforward rewards structure with unlimited 2% cash back on eligible purchases and 5% cash back on flights and prepaid hotel bookings made through American Express Travel® Online. Combined with flexible spending features, it's designed for business owners who prioritize simplicity over premium perks.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at amazon.com checkout.
Best for simple flat-rate cash back on business spending
Earn $1,500 Cash Back in the form of Reward Dollars
$295
17.99% - 28.74% Variable
Good to Excellent
The Graphite™ Business Cash Unlimited Card offers a straightforward rewards structure with unlimited 2% cash back on eligible purchases and 5% cash back on flights and prepaid hotel bookings made through American Express Travel® Online. Combined with flexible spending features, it's designed for business owners who prioritize simplicity over premium perks.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at amazon.com checkout.
Best for no annual fee
| Rate | Category |
|---|---|
| 2% | Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year. |
| 1% | Earn 1% cash back on all eligible purchases thereafter. Cash back earned is automatically credited to your statement. |
As High As $500. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
For businesses just starting out, we get it: You want to minimize any costs while maximizing your expenses. This is why The American Express Blue Business Cash Card is the perfect fit — there’s no annual fee, and you’ll earn 2% cash back on the first $50,000 in eligible purchases per calendar year, then 1% cash back. Cash back is received as reward dollars that can be redeemed for statement credits. With this card, you’ll also have access to exclusive Amex Offers from useful businesses such as FedEx and Bloomberg.com to help you save money on business shopping, dining, travel and so much more. Read our full review of the Blue Business Cash.
For businesses just starting out, we get it: You want to minimize any costs while maximizing your expenses. This is why The American Express Blue Business Cash Card is the perfect fit — there’s no annual fee, and you’ll earn 2% cash back on the first $50,000 in eligible purchases per calendar year, then 1% cash back. Cash back is received as reward dollars that can be redeemed for statement credits. With this card, you’ll also have access to exclusive Amex Offers from useful businesses such as FedEx and Bloomberg.com to help you save money on business shopping, dining, travel and so much more. Read our full review of the Blue Business Cash.
Best for no annual fee
As High As $500. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
For businesses just starting out, we get it: You want to minimize any costs while maximizing your expenses. This is why The American Express Blue Business Cash Card is the perfect fit — there’s no annual fee, and you’ll earn 2% cash back on the first $50,000 in eligible purchases per calendar year, then 1% cash back. Cash back is received as reward dollars that can be redeemed for statement credits. With this card, you’ll also have access to exclusive Amex Offers from useful businesses such as FedEx and Bloomberg.com to help you save money on business shopping, dining, travel and so much more. Read our full review of the Blue Business Cash.
Best for customizable business cash back
| Rate | Category |
|---|---|
| 3% | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 2% | Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 1% | Earn 1% cash back on all other purchases. |
Get a $500 online cash rewards bonus
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
Excellent Credit
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year. Read our full review of the Bank of America Business Advantage Customized Cash card.
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year. Read our full review of the Bank of America Business Advantage Customized Cash card.
Best for customizable business cash back
Get a $500 online cash rewards bonus
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
Excellent Credit
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year. Read our full review of the Bank of America Business Advantage Customized Cash card.
Best for BofA Preferred Rewards for Business members
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on purchases. |
Get a $500 online cash rewards bonus
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
740-850
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards for Business program. Read our full review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card.
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards for Business program. Read our full review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card.
Best for BofA Preferred Rewards for Business members
Get a $500 online cash rewards bonus
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
740-850
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards for Business program. Read our full review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card.
Best for no annual fee business spending and flat rate rewards
| Rate | Category |
|---|---|
| 2% | Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories. |
Earn a $500 cash rewards bonus
$0
16.99% - 24.99% Variable APR
670-850
The Wells Fargo Signify Business Cash® Card is a solid option for businesses seeking a no-annual-fee card that earns a flat reward rate, eliminating the need to track bonus spend categories.
The Wells Fargo Signify Business Cash® Card is a solid option for businesses seeking a no-annual-fee card that earns a flat reward rate, eliminating the need to track bonus spend categories.
Best for no annual fee business spending and flat rate rewards
Earn a $500 cash rewards bonus
$0
16.99% - 24.99% Variable APR
670-850
The Wells Fargo Signify Business Cash® Card is a solid option for businesses seeking a no-annual-fee card that earns a flat reward rate, eliminating the need to track bonus spend categories.
What is the best business cash back credit card — and why?
Ink Business Unlimited® Credit Card“I turn 1.5% cash back into 1.5 Chase Ultimate Rewards points per dollar spent by holding the Chase Sapphire Reserve®, too. Then I transfer those points to World of Hyatt for outsize value hotel redemptions.”
Ink Business Cash® Credit Card“I love using my Ink Business Cash to earn bonus rewards on office supplies and internet bill every month. And since I also have the Chase Sapphire Reserve®, I can transfer these rewards to my favorite travel partners.”
Best for flat-rate business cash back
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.
Best for flat-rate business cash back
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| flat-rate business cash back | Earn $750 bonus cash back | 1.5% cash-back | $0 | Apply now at Chase's secure siteSee rates & fees | |
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
| unlimited cash back |
| Earn $2,000 |
| 2 - 5% cash-back |
| $150 |
| at Capital One's secure siteSee rates & fees |
| office supplies |
| Earn $750 bonus cash back |
| 1 - 5% cash-back |
| $0 |
| at Chase's secure siteSee rates & fees |
| flat-rate business cash back rewards |
| Earn $1,000 cash back |
| 2 - 5% cash-back |
| $0 intro for first year; $95 after that |
| at Capital One's secure siteSee rates & fees |
| no annual fee |
| As High As 50,000 points. Find Out Your Offer. |
| 2X points |
| No annual fee |
| at American Express's secure siteSee rates & fees |
| businesses with large purchases |
| Earn $1,000 bonus cash back |
| 2 - 5% cash-back |
| $195 |
| at Chase's secure siteSee rates & fees |
| simple flat-rate cash back on business spending |
| Earn $1,500 Cash Back in the form of Reward Dollars |
| 2 - 5% cash-back |
| $295 |
| at American Express's secure siteSee rates & fees |
| no annual fee |
| As High As $500. Find Out Your Offer. |
| 1 - 2% cash-back |
| No annual fee |
| at American Express's secure siteSee rates & fees |
| customizable business cash back |
| Get a $500 online cash rewards bonus |
| 1 - 3% cash-back |
| $0 |
| at Bank of America's secure site |
| BofA Preferred Rewards for Business members |
| Get a $500 online cash rewards bonus |
| 1.5% cash-back |
| $0 |
| at Bank of America's secure site |
| no annual fee business spending and flat rate rewards |
| Earn a $500 cash rewards bonus |
| 2% cash-back |
| $0 |
| at Wells Fargo's secure siteSee rates & fees |
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories on multiple cards.Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
