Best for Straightforward Cash Back on Every Purchase
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5.0
Welcome Bonus
$1,000
Cash Bonus
Rewards Rate
2% - 5%
Cash Back
Annual Fee
$95 (waived first year)
Why We Like It
Card Details
Card 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 No-Fuss, Flat-Rate Cash Back
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4.8
Welcome Bonus
$750
Cash back
Rewards Rate
1.5%
Cash back
Annual Fee
$0
Why We Like It
Card Details
Card 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
New Card
Best for Businesses With A Variety of Expenses
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5.0
Welcome Bonus
$500
Cash rewards
Rewards Rate
2%
Cash rewards
Annual Fee
$0
Why We Like It
Card Details
Card 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 16.74%-24.74%.
- $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.
2026 AWARD WINNER
Best Business Card for Solopreneurs
/images/2024/12/17/chase-ink-business-cash-12172024.png)
4.8
Welcome Bonus
$750
Cash back
Rewards Rate
1% - 5%
Cash back
Annual Fee
$0
Why We Like It
Card Details
Card Details
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas 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
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Excellent for easy, flat-rate cash back
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5.0
Welcome Bonus
$1,500
Cash Back
Rewards Rate
2% - 5%
Cash Back
Annual Fee
$295
Why We Like It
Card Details
Card 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.
Best for Established Business Owners with Big Expenses
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4.4
Welcome Bonus
$2,000
Cash Bonus
Rewards Rate
2% - 5%
Cash Back
Annual Fee
$150
Why We Like It
Card Details
Card 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
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Best for a Long Intro APR on Purchases or Balance Transfers
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3.8
Intro APR
Purchases:
0%, 12 billing cycles
0%, 12 billing cycles
Balance Transfers:
0%, 12 billing cycles
0%, 12 billing cycles
Regular APR
16.24% - 25.24% Variable
Annual Fee
$0
Rewards Rate
5%
Cash Back
Why We Like It
Card Details
Card Details
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- No annual fee.
- 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
- $50 annual statement credit after $5,000 in purchases made through the Travel Center when using your card.
- $0 fee ExtendPay offer annually (3 months).
- Additional benefits include Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance.
- Terms and conditions apply.
2026 AWARD WINNER
Best Overall Business Credit Card
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5.0
Welcome Bonus
150,000
Miles
Rewards Rate
2X - 10X
Miles
Annual Fee
$395
Why We Like It
Card Details
Card Details
- 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 Business Travel
- 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 Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
- Top rated mobile app
Compare Today's Best Business Credit Cards Side-By-Side
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
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Apply Now
Capital One Spark Cash 5.0
|
2% - 5%
Cash Back
|
$1,000
Cash Bonus
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
24.49% (Variable)
|
$95 (waived first year)
|
/images/2024/12/17/chase-ink-business-unlimited-12172024.png)
Apply Now
Ink Business Unlimited® Credit Card 4.8
|
1.5%
Cash back
|
$750
Cash back
|
Purchases:
0%, 12 months
Balance Transfer:
N/A, N/A
|
16.74% - 24.74% Variable
|
$0
|
/images/2025/11/03/wells_fargo_signify_card.png)
Apply Now
Wells Fargo Signify Business Cash® Card 5.0
|
2%
Cash rewards
|
$500
Cash rewards
|
Purchases:
0%, 12 months from account opening
Balance Transfer:
N/A, N/A
|
16.74% - 24.74% Variable
|
$0
|
|
2026 AWARD WINNER
Best Business 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
|
$750
Cash back
|
Purchases:
0%, 12 months
Balance Transfer:
N/A, N/A
|
16.74% - 24.74% Variable
|
$0
|
/images/2026/03/25/032526_amex_graphite_business_cash_unlimited.png)
Apply Now
Graphite™ Business Cash Unlimited Card 5.0
|
2% - 5%
Cash Back
|
$1,500
Cash Back
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
17.74% - 28.49% Variable
|
$295
|
/images/2025/11/12/capital_one_spark_cash_plus_card_art_-_nov_2025.png)
Apply Now
Capital One Spark Cash Plus 4.4
|
2% - 5%
Cash Back
|
$2,000
Cash Bonus
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
N/A
|
$150
|
/images/2026/01/06/us_bank_business_shield_card_art.png)
Apply Now
U.S. Bank Business Shield™ Visa® Card 3.8
|
5%
Cash Back
|
N/A
|
Purchases:
0%, 12 billing cycles
Balance Transfer:
0%, 12 billing cycles
|
16.24% - 25.24% Variable
|
$0
|
|
2026 AWARD WINNER
Best Overall Business Credit Card
/images/2026/01/15/capital_one_venture_x_business_card_art_-_january_2026.png)
Apply Now
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
|
Our Top Pick
Best for Straightforward Cash Back on Every Purchase
5.0
Welcome Bonus
$1,000
Cash Bonus
Rewards Rate
2% - 5%
Cash Back
Annual Fee
$95 (waived first year)
Why We Like It
Card Details
Card 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
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.