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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
12 Best Business Cash-Back Credit Cards of November 2026
UpdatedOctober 16, 2026
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
Ink Business Unlimited® Credit Card
Intro offerEarn $750 bonus cash back
Annual fee$0
You'll earn1.5x
Regular APR16.99% - 24.99% Variable
at Chase's secure site. Terms & restrictions apply. See rates & fees.
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.
Browse by card categories
Comparing the best business cash-back credit cards
How we rate business cash back cards
We rated the best business cash back credit cards based on several factors, such as their ability to earn you a decent sign-up bonus and varying annual fees to fit several types of budgets. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus
We chose cards with various sign-up bonuses ranging from statement credits to transferable cash back to provide you with redemption flexibility.
Annual fee
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.
Earning rates
Each card in our roundup features solid earning rates to help you continue to build your stash of cash back rewards.
Redemption options
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.
Added benefits
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).
How to choose the best business cash-back credit card
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:
1
Sign-up bonus
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.
2
Annual fee
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.
3
Bonus categories
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.
9 reasons to get a business credit card - The Points Guy
Could a business credit card be right for you? Here's what to consider
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
Why get a business cash back credit card?
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.
Is cash back on a business credit card taxable?
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.
What business credit card gives the most cash back?
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.
“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.”
“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.”
Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.99% - 24.99% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
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 + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
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
Why we chose it
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.
View more
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
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.
Why we chose it
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 + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
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
Why we chose it
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
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
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.
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 + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
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.
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 + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a 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 credit card fees is very high.
The card’s balance must be paid in full every month.
More details
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
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 + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
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.
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 + cons
Pros
No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount
Cons
Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived
More details
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
Best for flat-rate business cash back rewards
Capital One Spark Cash
TPG editor's rating
Best for no annual fee
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.
Pros + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
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.
Best for no annual fee
The Blue Business® Plus Credit Card from American Express
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.
Pros + cons
Pros
Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees
Cons
High annual fee of $195
Rewards can't be transferred to airline or hotel partners
More details
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.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
Best for businesses with large purchases
Ink Business Premier® Credit Card
TPG editor's rating
Best for simple flat-rate cash back on business spending
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.
Pros + cons
Pros
Unlimited 2% cash back on eligible purchases
5% cash back on flights and prepaid hotels booked via American Express Travel Online
Cons
$295 annual fee
Bonus travel earnings are limited to Amex Travel portal bookings
Lacks premium perks
High spending requirement to unlock statement credits
More details
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
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.
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.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Best for simple flat-rate cash back on business spending
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.
Pros + cons
Pros
2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back
Cash back earned is automatically credited to your statement
No annual fee
Cons
Only earns 1% after you spend more than $50,000 in a calendar year — not ideal for businesses with lots of expenses
Charges a foreign transaction fee
More details
As High As a $500 Statement Credit 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 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.
Best for no annual fee
The American Express Blue Business Cash® Card
TPG editor's rating
Best for customizable business cash back
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit 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.
Pros + cons
Pros
Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
Cons
3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
Best for customizable business cash back
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
TPG editor's rating
Best for BofA Preferred Rewards for Business members
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.
Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Best for BofA Preferred Rewards for Business members
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
TPG editor's rating
Best for no annual fee business spending and flat rate rewards
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.
Pros + cons
Pros
Complimentary Priority Pass membership
Flat 2% cash reward rate eliminates the need to track bonus categories
Ability to add employee cards at no additional cost
Uncapped cash reward rate
Offers a welcome bonus
Cons
Welcome bonus requires relatively high spend threshold
Priority Pass lounges incur a "pay as you go" fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Best for no annual fee business spending and flat rate rewards
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.
3.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
2%
2% cash back on every purchase
5%
5% cash back on hotels and rental cars booked through Capital One Business Travel
Intro offer
Earn $2,000
Annual fee
$150
Regular APR
25.99% (Variable)
Recommended credit
740-850
Excellent
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
Why we chose it
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.
View more
Pros
The card features unlimited 2% cash back on every purchase.
It offers a 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 credit card fees 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
Why we chose it
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 + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a 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 credit card fees is very high.
The card’s balance must be paid in full every month.
More details
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
Why we chose it
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.
It offers a 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 credit card fees 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
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $2,000
Annual fee
$150
Regular APR
25.99% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
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 + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a 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 credit card fees is very high.
The card’s balance must be paid in full every month.
More details
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
4
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.99% - 24.99% Variable
Recommended credit
670-850
Good, Excellent
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC
Why we chose it
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.
View more
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
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
Why we chose it
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 + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
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
Why we chose it
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
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
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.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.99% - 24.99% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
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 + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
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
2.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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
Intro offer
Earn $1,000 cash back
Annual fee
$0 intro for first year; $95 after that
Regular APR
24.74% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
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.
View more
Pros
No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount
Cons
Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived
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
Why we chose it
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 + cons
Pros
No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount
Cons
Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived
More details
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
Why we chose it
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
No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount
Cons
Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived
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
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $1,000 cash back
Annual fee
$0 intro for first year; $95 after that
Regular APR
24.74% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
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 + cons
Pros
No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount
Cons
Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived
More details
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
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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.
Intro offer
As High As 50,000 points. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
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.
Why we chose it
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.
View more
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
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.
Why we chose it
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 + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
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.
Why we chose it
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
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
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
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 50,000 points. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
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 + cons
Pros
No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners
Cons
2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending
More details
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.
3
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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.
Intro offer
Earn $1,000 bonus cash back
Annual fee
$195
Regular APR
Flex for Business Variable APR: 17.99% - 28.74%
Recommended credit
Good Credit, Excellent Credit
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
Why we chose it
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.
View more
Pros
Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees
Cons
High annual fee of $195
Rewards can't be transferred to airline or hotel partners
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.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
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
Why we chose it
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.
Pros + cons
Pros
Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees
Cons
High annual fee of $195
Rewards can't be transferred to airline or hotel partners
More details
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.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
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
Why we chose it
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.
Pros
Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees
Cons
High annual fee of $195
Rewards can't be transferred to airline or hotel partners
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.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
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.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $1,000 bonus cash back
Annual fee
$195
Regular APR
Flex for Business Variable APR: 17.99% - 28.74%
Recommended credit
Good Credit, Excellent Credit
Why we chose it
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.
Pros + cons
Pros
Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees
Cons
High annual fee of $195
Rewards can't be transferred to airline or hotel partners
More details
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.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
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
2.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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.
Intro offer
Earn $1,500 Cash Back in the form of Reward Dollars
Annual fee
$295
Regular APR
17.99% - 28.74% Variable
Recommended credit
Good to Excellent
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.
Why we chose it
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.
View more
Pros
Unlimited 2% cash back on eligible purchases
5% cash back on flights and prepaid hotels booked via American Express Travel Online
Cons
$295 annual fee
Bonus travel earnings are limited to Amex Travel portal bookings
Lacks premium perks
High spending requirement to unlock statement credits
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
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.
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.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.
Why we chose it
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.
Pros + cons
Pros
Unlimited 2% cash back on eligible purchases
5% cash back on flights and prepaid hotels booked via American Express Travel Online
Cons
$295 annual fee
Bonus travel earnings are limited to Amex Travel portal bookings
Lacks premium perks
High spending requirement to unlock statement credits
More details
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
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.
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.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.
Why we chose it
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.
Pros
Unlimited 2% cash back on eligible purchases
5% cash back on flights and prepaid hotels booked via American Express Travel Online
Cons
$295 annual fee
Bonus travel earnings are limited to Amex Travel portal bookings
Lacks premium perks
High spending requirement to unlock statement credits
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
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.
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.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $1,500 Cash Back in the form of Reward Dollars
Annual fee
$295
Regular APR
17.99% - 28.74% Variable
Recommended credit
Good to Excellent
Why we chose it
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.
Pros + cons
Pros
Unlimited 2% cash back on eligible purchases
5% cash back on flights and prepaid hotels booked via American Express Travel Online
Cons
$295 annual fee
Bonus travel earnings are limited to Amex Travel portal bookings
Lacks premium perks
High spending requirement to unlock statement credits
More details
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
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.
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.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.
3.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
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.
Intro offer
As High As $500. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
From workflow to inventory to floor plans, your business is constantly changing. That’s why 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. Learn More.
Why we chose it
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.
View more
Pros
2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back
Cash back earned is automatically credited to your statement
No annual fee
Cons
Only earns 1% after you spend more than $50,000 in a calendar year — not ideal for businesses with lots of expenses
Charges a foreign transaction fee
As High As a $500 Statement Credit 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 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 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. Learn More.
Why we chose it
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.
Pros + cons
Pros
2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back
Cash back earned is automatically credited to your statement
No annual fee
Cons
Only earns 1% after you spend more than $50,000 in a calendar year — not ideal for businesses with lots of expenses
Charges a foreign transaction fee
More details
As High As a $500 Statement Credit 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 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 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. Learn More.
Why we chose it
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.
Pros
2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back
Cash back earned is automatically credited to your statement
No annual fee
Cons
Only earns 1% after you spend more than $50,000 in a calendar year — not ideal for businesses with lots of expenses
Charges a foreign transaction fee
As High As a $500 Statement Credit 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 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 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
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As $500. Find Out Your Offer.
Annual fee
No annual fee
Regular APR
16.99% - 28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
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.
Pros + cons
Pros
2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back
Cash back earned is automatically credited to your statement
No annual fee
Cons
Only earns 1% after you spend more than $50,000 in a calendar year — not ideal for businesses with lots of expenses
Charges a foreign transaction fee
More details
As High As a $500 Statement Credit 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 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 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. Learn More.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
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.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
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 our highest Preferred Rewards for Business 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 eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% 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.
Why we chose it
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.
View more
Pros
Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
Cons
3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
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 our highest Preferred Rewards for Business 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 eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% 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.
Why we chose it
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.
Pros + cons
Pros
Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
Cons
3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
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 our highest Preferred Rewards for Business 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 eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% 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.
Why we chose it
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.
Pros
Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
Cons
3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
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 our highest Preferred Rewards for Business 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 eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% 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.
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
Why we chose it
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.
Pros + cons
Pros
Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
Cons
3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
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 our highest Preferred Rewards for Business 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 eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
1.5%
Earn unlimited 1.5% cash back on purchases.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
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.
Why we chose it
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.
View more
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
Why we chose it
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.
Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
Why we chose it
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.
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
Why we chose it
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.
Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
2.5
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
2%
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
Intro offer
Earn a $500 cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 24.99% Variable APR
Recommended credit
670-850
Excellent, Good
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Why we chose it
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.
View more
Pros
Complimentary Priority Pass membership
Flat 2% cash reward rate eliminates the need to track bonus categories
Ability to add employee cards at no additional cost
Uncapped cash reward rate
Offers a welcome bonus
Cons
Welcome bonus requires relatively high spend threshold
Priority Pass lounges incur a "pay as you go" fee
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Why we chose it
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.
Pros + cons
Pros
Complimentary Priority Pass membership
Flat 2% cash reward rate eliminates the need to track bonus categories
Ability to add employee cards at no additional cost
Uncapped cash reward rate
Offers a welcome bonus
Cons
Welcome bonus requires relatively high spend threshold
Priority Pass lounges incur a "pay as you go" fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Why we chose it
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.
Pros
Complimentary Priority Pass membership
Flat 2% cash reward rate eliminates the need to track bonus categories
Ability to add employee cards at no additional cost
Uncapped cash reward rate
Offers a welcome bonus
Cons
Welcome bonus requires relatively high spend threshold
Priority Pass lounges incur a "pay as you go" fee
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn a $500 cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 24.99% Variable APR
Recommended credit
670-850
Excellent, Good
Why we chose it
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.
Pros + cons
Pros
Complimentary Priority Pass membership
Flat 2% cash reward rate eliminates the need to track bonus categories
Ability to add employee cards at no additional cost
Uncapped cash reward rate
Offers a welcome bonus
Cons
Welcome bonus requires relatively high spend threshold
Priority Pass lounges incur a "pay as you go" fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Ink Business Cash® Credit Card
