10 Best Cash-Back Business Credit Cards

Earning Structure:

• 5% cash back on prepaid hotels and car rentals booked via U.S. Bank Rewards Center
• 3% cash back on gas and EV charging stations (transactions $200 or less), office supply stores, cell phone service providers, and restaurants
• 1% cash back on all other purchases

Welcome Bonus:

Earn $500 cash back after spending $4,500 within the first 150 days of account opening.

Card Details:

• Annual Fee: $0 (employee cards also free)
• Intro APR: 0% on purchases and balance transfers for up to 12–15 billing cycles, then 17.99%–26.99% variable
• Foreign Transaction Fee: ~3% on international purchases
• Software Credit: $100 annual statement credit for eligible recurring software subscriptions (like QuickBooks, FreshBooks) after 11 consecutive months of charges

Key Benefits:

• Unlimited cash back in key business categories
• Annual software credits (varies)
• Ability to pay over time without interest using the ExtendPay® Plan

Redemption Options:

Cash back can be redeemed as statement credits, direct deposits, or toward purchases, offering good flexibility.

Credit Requirements:

Approval typically requires good to excellent personal credit (e.g., 670+ FICO score), and U.S. Bank usually performs a hard pull on the primary owner’s personal credit. Business performance and history also play a role.

Spending Limitations / Potential Drawbacks:

The 3% cash back on gas and EV charging only applies to transactions $200 or less. No known bonus offers may be a drawback.

Why it Works for Beginners:

The card’s simple earning system and no annual fee make it easy for new business owners to start earning rewards right away without complex terms. The 0% APR period also helps manage costs early on.

Earning Structure:

• 1.5% unlimited cash back on all purchases

Welcome Bonus:

Earn $750 cash back after spending $6,000 in the first 3 months.

Card Details:

• Annual Fee: $0 (employee cards free)
• Intro APR: 0% on purchases for 12 months; then 17.49%–23.49% variable
• Foreign Transaction Fee: 3% on international purchases

Key Benefits:

• No category restrictions or quarterly caps
• Cash bonus can be converted to Chase Ultimate Rewards points if paired with certain Chase cards
• Simple rewards structure

Redemption Options:

Redeem cash back as statement credit, direct deposit, gift cards, or travel booked through Chase.

Credit Requirements:

Approval generally requires good to excellent credit (FICO score ~670+) and is subject to Chase’s 5/24 rule regarding recent account openings.

Spending Limitations / Potential Drawbacks:

The flat 1.5% rate may be less rewarding for those with high spending in bonus categories available on other cards.

Why it Works for Beginners:

This card works well for beginners who want an easy, straightforward cash back option for business spending without having to track reward categories.

Earning Structure:

• 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually)
• 2% cash back at gas stations and restaurants
• 1% cash back on all other purchases

Welcome Bonus:

Earn a $750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening.

Card Details:

• Annual Fee: $0 (employee cards free)
• Intro APR: 0% on purchases for a limited time, then a variable APR applies
• Foreign Transaction Fee: Charged (varies)

Key Benefits:

• High cash back rates on common business expenses
• No annual fee keeps costs low
• Bonus offer for new users increases rewards

Redemption Options:

Cash back rewards can be redeemed as statement credits, gift cards, or for travel. Rewards never expire as long as the account is open.

Credit Requirements:

Applicants typically need good to excellent personal credit (often a FICO score of around 670 or above) and are subject to Chase’s 5/24 rule.

Spending Limitations / Potential Drawbacks:

5% cash back categories have a cap of $25,000 per year in combined purchases. After that, earnings drop to 1%.

Why it Works for Beginners:

The card is simple to use, has no annual fee, and offers high rewards in useful categories. It’s a strong option for small businesses new to cash-back cards.

Earning Structure:

• Unlimited 2% cash back on all purchases
• 5% cash back on hotels and rental cars when booked through Capital One Travel

Welcome Bonus:

Get a $2,000 cash bonus after spending $30,000 in the first 3 months. You can also earn an additional $2,000 for every $500,000 spent in the first year (no limit on bonuses).

Card Details:

• Annual Fee: $150 (fully refunded each year you spend at least $150,000)
• No Foreign Transaction Fees
• No preset spending limit—as a charge card, the full balance must be paid monthly
• Free employee and virtual cards, with customizable limits

Key Benefits:

• Simple flat-rate cash back on all spending
• High spending power with no preset limit
• Bonus rewards for new cardholders
• No caps on rewards earned

Redemption Options:

Cash back is issued as statement credits, checks, or gift cards with no minimum redemption threshold.

Credit Requirements:

Requires excellent credit for approval, and issuers consider business financials and personal credit history.

Spending Limitations / Potential Drawbacks:

This charge card requires full payment each month, which may not work for businesses that need to carry a balance. Its $150 annual fee and lack of bonus categories may also limit value for businesses with more targeted spending.

Why it Works for Beginners:

Its simple cash-back system makes rewards easy to earn and understand. Businesses that expect to pay off their balance monthly will enjoy the high earning rate and flexible spending limit.

Earning Structure:

• Earn unlimited 2% cash back on all purchases.

Welcome Bonus:

Get $500 cash back after spending $5,000 in the first 3 months.

Card Details:

• Annual Fee: $0 (employee cards included at no charge)
• Intro APR: 0% on purchases for 12 months from account opening; then 17.49%–25.49% variable
• Foreign Transaction Fee: ~3% on charges outside the U.S.
• Priority Pass Lounge Access: Enrollment allows access at ~$35 per visit via pay-as-you-go model

Key Benefits:

• Flat-rate 2% cash back
• Receive a $500 bonus for new users who fulfill spending requirements.
• Airport lounge access for eligible cardholders
• No annual fee

Redemption Options:

Cash back can be redeemed as statement credits, direct deposits, or gift cards.

Credit Requirements:

Typically, good to excellent personal credit (around 670+ FICO score) is required.

Spending Limitations / Potential Drawbacks:

The flat cash-back rate may be less rewarding than category-based cards for businesses with specific spending patterns. It charges foreign transaction fees, making it less ideal for international purchases. Lounge access requires a per-visit fee, which adds extra cost for frequent travelers.

Why it Works for Beginners:

This card is easy to manage with no annual fee, flat rewards, and a generous welcome bonus. It’s ideal for new business owners looking for simple earnings and a way to build credit while keeping overhead low.

Earning Structure:

• 2× points per $1 in the top two spending categories where you spend the most each month, automatically (choosing from a list of nearly 50 business-relevant categories)
• 5× points per $1 on prepaid hotels and rental cars booked directly through the U.S. Bank Rewards Travel Center
• 1× point per $1 on all other eligible purchases, with no caps on total earnings

Welcome Bonus:

Earn 75,000 points when you spend $7,500 in eligible purchases within the first 120 days of account opening.

Card Details:

• Annual Fee: $0 intro for the first year, then $95 annually
• Foreign Transaction Fee: None
• Employee Cards: Free additional employee cards with configurable limits and spend-tracking features
• No Intro APR Offer: Standard variable APR applies to purchases and balance transfers

Key Benefits:

• Automatic 2X points on top 2 spending categories
• High cashback (5%) on prepaid hotels and car rentals
• Points never expire as long as the account is open
• Simple rewards structure

Redemption Options:

Points can be redeemed for cash back, travel, gift cards, or merchandise at about 1 cent per point. Cash back redemptions are flexible and easy to access.

Credit Requirements:

Typically requires good to excellent credit (FICO score ~670+), with U.S. Bank reviews also considering business profile and membership history.

Spending Limitations / Potential Drawbacks:

The rewards rate outside the top two categories is low at 1X points per dollar. The $95 annual fee may not be worth it for businesses with low spending.

Why it Works for Beginners:

The card is easy to use because it tracks top spending categories automatically. The waived first-year fee lowers the initial cost to try it out. Its rewards are straightforward and don’t require manual category management.

Earning Structure:

• Earn 2% cash back on all eligible purchases
• No rotating categories or caps on earning

Welcome Bonus:

Earn $400 cash back as a statement credit. It requires $3,000 spent within the first 90 days of account opening.

Card Details:

• Annual Fee: $0
• Intro APR: None
• Regular APR: Variable based on creditworthiness
• Additional Cards: Available for employees at no extra cost

Key Benefits:

• Flat-rate cash back offers consistent rewards.
• No annual fee helps keep costs low.
• Bonus is generous for new cardholders.
• Works best with a TD Bank deposit account.

Redemption Options:

Cash back is automatically credited to your account as a statement credit. You may also be able to redeem via check or deposit into a TD Bank account.

Credit Requirements:

Good personal credit is typically required, and a TD Bank deposit relationship may be necessary.

Spending Limitations / Potential Drawbacks:

There are no bonus categories, so you won’t be able to earn higher rewards in specific areas. It may not be ideal for businesses with very high spend that could benefit from tiered or category-based rewards.

Why it Works for Beginners:

This card keeps things simple—no fees, flat rewards, and easy redemption. It’s a solid entry-level business credit card for entrepreneurs who want hassle-free rewards on all spending.

Earning Structure:

• 3% cash back in one selected category (e.g., gas, office supplies, travel, telecom, business consulting)
• 2% cash back on dining purchases
• 1% cash back on all other purchases (3% and 2% apply to the first $50,000 in combined purchases annually; then 1%)

Welcome Bonus:

Earn a $300 statement credit after spending $3,000 in purchases within the first 90 days of account opening.

Card Details:

• Annual Fee: $0
• Intro APR: 0% on purchases for the first 9 billing cycles
• Regular APR: Variable 17.49%–27.49%
• Foreign Transaction Fee: 3%
• Category Selection: Change your 3% category monthly through online banking

Key Benefits:

• Customizable 3% cash back category
• 2% cash back on dining purchases
• No annual fee

Redemption Options:

Cash back can be redeemed as statement credits, direct deposits, or checks. Rewards do not expire as long as the account stays open.

Credit Requirements:

Applicants typically require excellent credit. A Bank of America business checking account may improve approval chances and boost rewards.

Spending Limitations / Potential Drawbacks:

3% and 2% cash back categories have annual limits. The choice category must be selected carefully to maximize rewards.

Why it Works for Beginners:

Simple rewards structure and no annual fee make it easy to use. The option to pick a bonus category helps new business owners get extra cash back on top spending areas.

Earning Structure

• 2% cash back on all eligible purchases up to $50,000 per year
• 1% cash back on purchases over $50,000 annually

Welcome Bonus:

Earn a $250 statement credit after you make $3,000 in purchases within the first 3 months of card membership.

Card Details:

• Annual Fee: $0
• Intro APR: 0% on purchases for a set introductory period (varies by offer)
• Regular APR: Variable rate applies after intro period
• Foreign Transaction Fee: 3% on international purchases
• Spending Limit: Up to $50,000 eligible for 2% category, with higher spend earning at lower rate

Key Benefits:

• Flat 2% cash back rewards make it easy to earn
• No annual fee helps reduce costs for startups
• Intro APR helps with managing business expenses
• Purchase protection benefits included

Redemption Options:

Cash back is applied as a statement credit, making it flexible for use.

Credit Requirements:

Requires good to excellent personal credit and standard approval criteria with American Express. Business financials and credit history are also considered.

Spending Limitations / Potential Drawbacks:

Cash back rate drops to 1% after $50,000 in spending per year. It may not be ideal for very large businesses that spend more than this.

Why it Works for Beginners:

This card is suitable for new and small business owners. Its simple rewards and no annual fee make it easy to manage without complicated terms. A long intro APR allows businesses to grow without incurring immediate interest charges.

Earning Structure:

• 5% cash back on travel booked through Chase Travel
• 2.5% cash back on purchases of $5,000 or more
• 2% cash back on all other purchases

Welcome Bonus:

Earn $1,000 cash back after spending $10,000 within the first three months.

Card Details:

• Annual Fee: $195
• Employee Cards: Free
• Spending Requirement: Full monthly payment required (charge card)
• Foreign Transaction Fee: None

Key Benefits:

• High cash-back rates on big purchases
• Access to premium business benefits
• Ability to pay off eligible purchases over time (Flex for Business)

Redemption Options:

Cash back is earned as points, where 100 points equals $1. Rewards can be redeemed for cash, travel, gift cards, or statement credits.

Credit Requirements:

Good credit is needed, typically a score of 700 or higher.

Spending Limitations / Potential Drawbacks:

High minimum monthly spending might not suit all businesses. The $195 annual fee requires enough spending to make the rewards worthwhile.

Why it Works for Beginners:

It offers a simple rewards structure without complex categories. The card encourages smart spending and rewards steady business expenses, making it easier to manage cash flow with bonus cash back on significant purchases.