Turn everyday business expenses into valuable rewards or cash back with these featured cards from our partners, helping you maximize every dollar you spend. Plus, many come with generous welcome bonuses and 0% intro APR into 2026, giving your business even more financial flexibility.
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
2025 award winner Best Business Credit Card for Solopreneurs /images/2024/12/17/chase-ink-business-cash-12172024.png)
Apply Now
Ink Business Cash® Credit Card 4.8
|
1% - 5%
Cash back
|
Up to $750
Cash back
|
Purchases:
0%, 12 months
Balance Transfer:
N/A, N/A
|
17.49% - 25.49% Variable
|
$0
|
/images/2024/12/17/chase-ink-business-unlimited-12172024.png)
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Ink Business Unlimited® Credit Card 4.8
|
1.5%
Cash back
|
$750
Cash back
|
Purchases:
0%, 12 months
Balance Transfer:
N/A, N/A
|
17.49% - 23.49% Variable
|
$0
|
|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
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Wells Fargo Active Cash® Card 5.0
|
2%
Cash rewards
|
$200
Cash rewards
|
Purchases:
0%, 12 months from account opening
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
|
19.24%, 24.24%, or 29.24% Variable
|
$0
|
|
2025 award winner Best Overall Business Credit Card /images/2024/12/18/capital_one_venture_x_business_card_art.png)
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Capital One Venture X Business 5.0
|
2X - 10X
Miles
|
150,000
Miles
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
N/A
|
$395
|
/images/2024/12/18/capital_one_spark_cash_card_art.png)
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Capital One Spark Cash 5.0
|
2% - 5%
Cash Back
|
$750 Cash Bonus
$1,500 Cash Bonus
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
25.24% (Variable)
|
$95 (waived first year)
|
|
2025 award winner Best No-Annual-Fee Business Credit Card /images/2024/12/13/american_express_blue_business_cash_card_art_-_12-13-24.jpg)
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The American Express Blue Business Cash™ Card 5.0
|
1% - 2%
cash back
|
$250
statement credit
|
Purchases:
0%, 12 months from date of account opening
Balance Transfer:
N/A, N/A
|
17.49% - 27.49% Variable
|
$0
|
/images/2024/12/16/business_platinum_from_american_express_card_art_-_12-16-24.png)
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The Business Platinum Card® from American Express 4.9
|
1X - 5X
points
|
150,000 points + $500 statement credit
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
18.49% - 27.49% Variable
|
$695
|
Today's Top Business Credit Cards
2025 award winner Best Business Credit Card for Solopreneurs
Ink Business Cash® Credit Card
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- 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
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Ink Business Unlimited® Credit Card
/images/2024/12/17/chase-ink-business-unlimited-12172024.png)
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
2025 award winner Best Overall Cash Back Credit Card
Wells Fargo Active Cash® Card
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
2025 award winner Best Overall Business Credit Card
Capital One Venture X Business
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- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
The Business Platinum Card® from American Express
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- Limited Time Travel 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. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Capital One Spark Cash
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- Limited-time offer: Double your cash bonus from $750 to $1,500 once you spend $15,000 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
2025 award winner Best No-Annual-Fee Business Credit Card
The American Express Blue Business Cash™ Card
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- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- 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.
- No Annual Fee
- Terms Apply
Frequently Asked Questions
Have questions about business credit cards? We've answered the most common ones below to help you choose the right card.
Yes, many business credit cards offer cash back, while others offer points on your spending. The exact amount of cash back you’ll earn depends on the particular card. Some credit cards earn a flat cash back rate on all your purchases, while others offer elevated rewards rates on purchases in specific categories.
Many business credit cards charge interest, but not all of them. First, some cards offer 0% APR periods of up to one year. You won’t have to pay interest on any purchases during that time. Additionally, some business credit cards don’t charge interest because they require you to pay your balance in full each month. Even if your card doesn’t require you to pay it in full each month, it’s still a good idea to avoid paying interest. If you carry a balance, the amount you’ll pay in interest can easily overshadow any cash back you’ve earned.
One downside to cash back credit cards is they often require good or excellent credit. While there are some cash back cards available to borrowers with fair credit, they may be harder to find and will likely have lower rewards rates. Additionally, some credit cards place a cap on how much cash back you can earn, especially for bonus categories. Finally, earning cash back means you aren’t earning points, which can be more valuable, depending on the card issuer.
There’s not necessarily one cash back credit card that’s best for all businesses. We’ve chosen a lineup of cards that are suitable for all types of businesses. The best choice for you depends on your business type, common business expenses, and whether you prefer bonus categories or a flat rewards rate. While there’s not one business cash back card that works for everyone, we’ve narrowed down the list considerably to the top seven cards on this list.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, earning potential, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.