Stop Leaving Money on the Table: Best Business Credit Cards for Cash Back and Rewards

With great cash back reward rates, a solid welcome offer, and no annual fee, the Ink Business Cash^® Credit Card(Rates and fees) is the card for any small business owner to consider.

New cardholders can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening, and earning additional rewards is easy with up to 5% cash back. Rack up rewards from everyday business purchases and redeem for cash back, travel, gift cards, and more.

Cardholders can 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% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases with no limit.

To top it all off, new cardholders can take advantage of 12 months of 0% intro APR on purchases then 17.49% - 25.49% Variable.

Annual Fee: $0

Click here to apply for the Ink Business Cash^® Credit Card now.

The Ink Business Unlimited^® Credit Card(Rates and fees) is ideal for business owners who are looking for a simple business card with no annual fee and easy ways to earn rewards.

This straightforward card will earn you unlimited 1.5% cash back on every purchase. You can benefit from uncomplicated cash back rewards or redeem rewards for travel, gift cards, and more. Another card perk is a massive welcome offer: new cardholders can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

If you have big business purchases pending, this cashback card might be the ideal choice — 0% intro APR for new purchases means you won’t have to worry about paying interest for 12 months after account opening then 17.49% - 23.49% Variable.

Annual Fee: $0

Click here to apply for the Ink Business Unlimited^® Credit Card now.

If your business requires you to travel frequently, the Capital One Venture X Business(Rates and fees) could be a fantastic choice with elevated rewards rates on flights and hotels.

This powerful travel + business hybrid card lets you earn 10X miles on hotels and car rentals booked through Capital One's travel booking site, 5X miles on flights booked through Capital One's travel booking site, and 2X miles on all other purchases. 

Even better: You can earn up to 350,000 after spending $200,000 within 6 months. Redeem miles on flights, hotels, vacation rentals, and more, with no blackout dates. Plus, transfer miles to any of their 15+ travel loyalty programs!

The annual fee for this card is $395 — which could easily be offset by the $300 annual travel credit for bookings through Capital One's travel booking site, 10,000 anniversary bonus miles, Global Entry credit or TSA PreCheck®, and top-tier rewards and redemption options. 

This card doesn't have an APR; instead, there's a late fee of 2.99% of the unpaid portion each month.

Click here to apply for the Capital One Venture X Business now

If you’re a business owner who enjoys simplicity — and would prefer cash back for your business over travel rewards — then you should almost certainly consider the The American Express Blue Business Cash™ Card.

This unique card allows you to earn 2% cash back on eligible purchases on up to $50,000 spent each year, after that 1%. All the cash back you earn will automatically post to your statements as statement credits, so you don’t need to worry about manually redeeming it. This could amount to a sizeable $1,000 in earnings!

To top it all off, you can earn $250 statement credit bonus after spending $3,000 in the first 3 months. 

The annual fee for this card is $0, and even better, you can take advantage of 0% intro APR for 12 months from date of account opening on purchases, then 17.49% - 27.49% Variable. 

Click here to apply for the The American Express Blue Business Cash™ Card now.

If you’re a small business owner who prefers to pay their balance in full each month, use the Ink Business Premier^® Credit Card(Rates and fees) and capitalize on one of the best business cash back rates offered today!

Cardholders can enjoy a generous 2.5% cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. This card also offers a huge cash back welcome offer - you can earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Plus, you don’t want to overlook the premium travel benefits. The Ink Business Premier^® Credit Card offers a whopping 5% cash back on travel purchased through Chase Travel℠.

The annual fee is $195 but that should be easy to recoup given the incredible 2.5% cash back on purchases of $5,000 or more.

Click here to apply for the Ink Business Premier^® Credit Card now.

2% cash back on every purchase, everywhere — incredible. The Capital One Spark Cash(Rates and fees) is pretty much a no-brainer for your small business ... if you want to earn powerful cash back without doing much work at all. Plus, enjoy a $95 (waived first year) annual fee! Nice. 

Use the 2% cash back you can earn with this card to essentially cover nearly any purchase for your small business. Supplies and equipment, flights, hotels, subscriptions and services. Plus nearly anything else you can think of. With this powerful card, you'll be racking up tons of cash back on the daily! 

Bonus: You can earn a $750 bonus after spending $7,500 in the 3 months from account opening. 

With cash rewards and a low annual fee, the Capital One Spark Cash almost certainly deserves a place in your wallet. 

Regular APR: 25.24% (Variable).

Click here to apply for the Capital One Spark Cash now

Put your card to work for your business! The Capital One Spark Cash Plus(Rates and fees) could be a great way to rack up rewards from everyday business spend with its powerful cash back rate and simple earnings structure. 

With this card, you'll earn 2% cash back on every purchase, every day! That's right ... use the card for any business purchase — including airfare, supplies, equipment, internet, cable, and other expenses — and you’ll earn 2%!

The annual fee for this card is a fair $150, but if your business spends over $150,000 annually, Capital One will refund this fee every year. 

Bonus: You can earn a $2,000 bonus after spending $30,000 in the first 3 months. 

This card doesn't have an APR; instead, there's a late fee of 2.99% of the unpaid portion each month.

Click here to apply for the Capital One Spark Cash Plus now.

The Business Platinum Card^® from American Express is a premium business rewards card that is a great fit for frequent travelers.

Card holders can earn a whopping 5X points on flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com, as well as 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), and 1X points on all other eligible purchases (terms apply).

You can also get access to VIP travel perks, such as Centurion Lounge access, statement credits to cover a Global Entry, TSA PreCheck, or CLEAR Plus membership, exclusive perks at fine hotels and resorts, and more (select benefits may require enrollment).

Even better is the generous welcome offer – Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership; plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership (you can earn one or both of these offers; limited time travel offer ends 6/30/25).

While the annual fee is high, if you travel often, the added perks and ability to redeem your rewards for a 35% point return when you use points to book eligible flights through American Express Travel (up to 1,000,000 points back per calendar year) could make it worth the price. 

Click here to apply for The Business Platinum Card^® from American Express now.