| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
/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 Business Credit Card for Solopreneurs /images/2024/12/17/chase-ink-business-cash-12172024.png)
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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
|
|
2025 award winner Best for Online Businesses /images/2024/12/16/business_gold_from_american_express_card_art_-_12-16-24.jpg)
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American Express® Business Gold Card 4.8
|
1X - 4X
points
|
100,000
points
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
18.49% - 29.24% Variable
|
$375
|
/images/2024/12/18/capital_one_spark_cash_plus_card_art.png)
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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
|
|
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/2024/12/18/capital_one_spark_cash_card_art.png)
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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
|
25.24% (Variable)
|
$95 (waived first year)
|
|
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/2024/12/16/blue_business_plus_card_art_-_12-16-24.jpg)
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The Blue Business® Plus Credit Card from American Express 4.9
|
1X - 2X
points
|
15,000
points
|
Purchases:
0%, 12 months from date of account opening
Balance Transfer:
N/A, N/A
|
17.49% - 27.49% Variable
|
$0
|
|
2025 award winner Best for a Brick and Mortar Business /images/2024/12/17/chase-ink-business-preferred-12172024.png)
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Ink Business Preferred® Credit Card 4.8
|
1X - 3X
Points
|
90,000
Points
|
Purchases:
N/A, N/A
Balance Transfer:
N/A, N/A
|
20.24% - 26.24% Variable
|
$95
|
Today's Top Business Credit Cards
/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 Business Credit Card for Solopreneurs
/images/2024/12/17/chase-ink-business-cash-12172024.png)
- 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
2025 award winner Best for Online Businesses
/images/2024/12/16/business_gold_from_american_express_card_art_-_12-16-24.jpg)
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
/images/2024/12/18/capital_one_spark_cash_plus_card_art.png)
- 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 purchasing power that adapts to your business. 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's travel booking site
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $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
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)
- 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
/images/2024/12/18/capital_one_spark_cash_card_art.png)
- 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
2025 award winner Best Overall Business Credit Card
/images/2024/12/18/capital_one_venture_x_business_card_art.png)
- 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
/images/2024/12/16/blue_business_plus_card_art_-_12-16-24.jpg)
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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 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 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.
2025 award winner Best for a Brick and Mortar Business
/images/2024/12/17/chase-ink-business-preferred-12172024.png)
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
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.