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- 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
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- 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
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- 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
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- 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
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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 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
- 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
- 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
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/2024/12/18/capital_one_spark_cash_card_art.png)
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-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/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
|
25.74% (Variable)
|
$150
|
/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
|
25.74% (Variable)
|
$395
|
Bottom Line
The Ink Business Unlimited® Credit Card (Rates and fees) is a great choice for any business owner looking for cash back without an annual fee. New cardholders can take advantage of a generous welcome offer and 0% intro APR on purchases for the first 12 months then 16.74% - 24.74% Variable - all without an annual fee.
- Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Cash Back: Earn unlimited 1.5% cash back on every purchase.
- Intro APR: There are not many business credit cards that offer a low introductory APR, but the Ink Business Unlimited® Credit Card does. This can help small or new businesses get off the ground and improve your cash flow. If you have a lot of new purchases planned, this is a great perk.
- No annual fee: Unlike other business cards that may provide more generous cardholder perks, the Ink Business Unlimited® Credit Card has no annual fee for being a cardmember.
- Primary car rental insurance: When renting a vehicle for business purposes, Chase provides comprehensive auto rental collision coverage. This coverage is primary, which means you don’t have to make a claim with another insurer before Chase covers you. Most cars rented in the U.S. and abroad are covered, as long as you charge the entire rental cost to your card.
» Click here to apply for the Ink Business Unlimited® Credit Card today!
Intro Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Annual Fee $0 Why we like it
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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.