5 best business credit cards with cashback in April 2025
- Best cashback business credit cards
- What is a cashback business credit card?
- Redeeming cashback rewards
- Is cashback on a business credit card taxable?
- What business credit card gives the most cashback?
- Earn cashback rewards with the Ramp Business Credit Card
Cashback business credit cards allow you to earn some extra cash with every purchase you make. While the cashback won’t be much for individual purchases, the rewards can quickly add up.
For instance, if you get 1% cashback and accrue $50,000 worth of business expenses, you'll end up with $500 in cashback. While no one would turn down an extra $500, you can make more than that with the best cashback business credit cards.
Cashback isn’t the only perk. Some business credit cards have additional perks on top of cashback that make them hard to ignore. This guide will unveil some of the best business credit cards with cashback rewards.
Best cashback business credit cards
- Ramp Business Credit Card
- Capital One Spark 2% Cash Plus
- American Express Blue Business Cash Card
- Bank of America Business Advantage Unlimited Cash Rewards Mastercard
- Chase Ink Business Unlimited Credit Card
Card comparison
- Get cashback on purchases
- Provide unlimited physical and virtual employee card
- Access more than $350,000 in deals from various partner
- Use automated software for expense management
- View vendor information and pricing on a single dashboard
- Automate accounts payable
- No fees or interest
Annual Fee
$0
APR
N/A
Rewards
Cashback
Capital One Spark 2% Cash Plus- Business charge card that requires full monthly balance payments
- Designed for larger, higher-spending businesses
- Carrying a balance incurs a 2.99% fee
- 2% cashback rewards on purchases
Annual Fee
$150
APR
N/A
Rewards
Cashback
American Express Blue Business Cash™ Card- Offers a 0% introductory APR on purchases for 12 months, then a variable APR of 18.49% to 24.49%
- There is no annual fee for this card
- Cardholders earn unlimited 1.5% cash back on all purchases
- Benefits include purchase protection, extended warranty, and auto rental collision damage waiver
- No foreign transaction fees are applied to international purchases
- Employee cards can be added at no extra cost, with individual spending limits available
Net Savings
N/A
APR
0% intro APR, then 18.49%–24.49% variable
Fees
No annual fee
Rewards
Cashback
Bank of America Business Advantage Unlimited Cash Rewards Mastercard- Simple, straightforward rewards structure with unlimited 1.5% cash back on all purchases
- Get a $300 online statement credit bonus after making at least $3,000 in purchases within the first 90 days of account opening
- Introductory 0% APR on purchases for the first 9 billing cycles, followed by a variable APR of 18.49% to 28.49%
- No annual fee, making it a cost-effective option for businesses
Annual Fee
$0
APR
18.49%–28.49%
Chase Ink Business Unlimited Credit Card- The Chase Ink Business Unlimited Credit Card offers a straightforward 0% APR for 12 months.
- Earn 1.5% cashback on all business purchases, including office supplies, gas stations, and business outings.
- It features a generous welcome offer of $750 statement credit.
- However, high foreign transaction fees make it unsuitable for businesses that operate primarily overseas.
Annual Fee
$0
Intro APR
0%
Regular APR
18.49%–24.49%
Rewards
Cashback
Ramp Business Credit Card
Ramp Business Credit Card
- Cashback rewards on purchases
- Built-in expense management software
- No personal guarantee or credit check required
- Must be a registered business to qualify
- Must have most of your business spend in the U.S.
The Ramp Business Credit Card offers a comprehensive suite of features designed to streamline business finances and reward spending. Cardholders save an average of 5% annually on purchase and gain access to over $350,000 in partner deals.
With unlimited physical and virtual employee cards, expense management is further simplified through automated software, while a single dashboard provides a clear view of vendor information and pricing. The card also automates accounts payable and boasts no fees or interest.
Capital One Spark 2% Cash Plus
Capital One Spark 2% Cash Plus
- Unlimited cashback rewards
- Offers $150 statement credit to cover annual fee
- 0% interest when used as intended
- $1,200 early spending bonus
- 2.99% monthly fee to carry a balance
- Must spend $30,000 in your first 3 months to access $1,200 bonus cash
- Must spend $150,000 per year to access the $150 annual cash bonus
- Limited spend management features
The Capital One Spark Cash Plus is a business charge card tailored for larger businesses with significant spending, and offers a straightforward 2% cash back on all purchases.
A key feature of this card is the requirement that the full balance be paid each month; carrying a balance incurs a 2.99% fee.
American Express Blue Business Cash Card
American Express Blue Business Cash Card
- Earns cash back on every purchase without category restrictions
- Includes valuable purchase protection and extended warranty benefits
- Allows for easy management of employee spending
- High APR after the introductory period
- Cashback rate may not compete with specialized category cards for specific expenses
- Lacks travel perks like airport lounge access or free checked bags which are common in other business cards
The American Express Blue Business Cash Card offers new cardholders a 0% introductory APR on purchases for the first 12 months, after which a variable APR of 18.49% to 24.49% applies. This card comes with no annual fee and offers unlimited 1.5% cash back on all purchases.
Additional cardholder benefits include purchase protection, extended warranty coverage, and an auto rental collision damage waiver.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard
Bank of America Business Advantage Unlimited Cash Rewards Mastercard
- The card offers a straightforward, unlimited 1.5% cash back on all purchases
- No annual fee
- If you have a business checking account with Bank of America, you can qualify for boosted cashback earnings
- The base reward rate of 1.5% is relatively low
- No introductory bonus
- Few frills or extra perks
The Bank of America Business Advantage Unlimited Cash Rewards Mastercard offers a simple and straightforward rewards structure, providing unlimited 1.5% cash back on all purchases.
An introductory 0% APR on purchases is available for the first 9 billing cycles, after which a variable APR of 18.49% to 28.49% applies.
With no annual fee, this card presents a cost-effective option for businesses.
Chase Ink Business Unlimited Credit Card
Chase Ink Business Unlimited Credit Card
- Unlimited 1.5% cashback on all business purchases
- Rewards never expire
- Welcome bonus if you spend enough in the first 3 months of account opening
- No bonus reward categories
- Not the best card for balance transfers
The Chase Ink Business Unlimited Credit Card offers a straightforward 0% introductory APR for 12 months.
Cardholders earn a flat 1.5% cash back on all business purchases, covering a wide range of expenses from office supplies and gas to business outings.
What is a cashback business credit card?
A cashback business credit card gives you money for every purchase you make, typically in the form of statement credit. While some cards prioritize travel rewards, cash rewards cards prioritize money that you can use to trim your credit card debt or deploy into your business.
These cards have additional perks to help them stand out, such as elevated cashback in specific categories, no annual fees, and 0% intro APR promotions. Some card issuers charge annual fees for card membership but offer better cash rewards. You might also find cards with low balance transfer fees.
Cashback cards offer various rewards structures, like:
- Flat rate rewards. Some provide a flat rate on all purchases, like the Ink Business Unlimited Credit Card's 1.5% cashback. However, even flat-rate cards can have limits, as seen with The American Express Blue Business Cash Card, which offers 2% cashback on the first $50,000 spent annually, then 1%.
- Category-specific rewards. Cardholders get higher cashback percentages on select purchases like gas, office supplies, or advertising. The U.S. Bank Triple Cash Rewards Visa Business Card, for instance, gets 3% back on gas, office supplies, cell phone services, and restaurants (with some exclusions), and 1% on everything else. It also offers 5% cashback on qualifying purchases in the Rewards Center, like prepaid hotels and car rentals booked directly.
Like flat-rate cards, bonus category cards often have spending caps. After reaching these caps, the rewards rate on bonus categories typically drops to 1%.
Knowing what you want from a credit card and how much time you want to spend looking at individual spending categories can help you decide which card is right for you.
What range are cash back business credit card average credit scores typically?
The average credit score for a cash back business credit card applicant is good to excellent with a FICO score of 670-850; however, the Capital on Tap Business Credit Card may take applicants with a FICO score as low as 630.
Redeeming cashback rewards
Each credit card issuer has a different user experience and platform for redeeming cashback rewards.
First, you will have to log into your provider’s online banking portal either via your credit card account on your computer or through the issuer's mobile app, then navigate to the Rewards portal and search for information related to “cashback.”
Cardholders can often choose how you want your cashback, but that isn’t always the case. The American Express Blue Business Cash Card, for instance, automatically credits cashback to your account. However, more typical options for redeeming cashback rewards on business credit cards include:
- Cash deposit: Rewards are transferred directly into your checking account.
- Statement credit: Rewards are applied to your statement balance, reducing the amount you owe.
- Portal redemption: Rewards can be redeemed for travel, gift cards, or other rewards through your credit card issuer's website. Redemption values may vary.
Is cashback on a business credit card taxable?
Many people wonder if cashback rewards are taxable. The short answer is that cashback rewards are not treated as income, and therefore, are not taxed.
The IRS treats cashback rewards as discounts or rebates instead of income.
What are the benefits of using a cash back business credit card?
Cashback business credit cards offer a straightforward way to earn rewards on business purchases. This cash back can be used to offset expenses or provide a return on business spending.
What business credit card gives the most cashback?
It's tricky to say definitively which is the highest cash back business credit card, as it really depends on your specific spending habits and how you maximize the card's rewards program.
However, here are some of the top business credit cards with the most cashback and their strengths:
For high, consistent spending with no caps:
- Capital One Spark Cash Plus: This card offers an unlimited 2% cashback on all purchases, making it excellent for businesses with high and diverse expenses. It has a $150 annual fee, but this can be offset by the rewards if you spend enough.
For maximizing bonus categories:
- Ink Business Cash Credit Card: This card offers 5% cashback on office supplies, internet, cable, and phone services, and 2% back on gas and restaurants (on up to $25,000 in combined spending annually). If your business spends heavily in these categories, this card can yield high returns.
- Bank of America Business Advantage Customized Cash Rewards Mastercard® credit card: If you’re looking for a 3% cashback credit card, you’ve found a winner. This card lets you choose your 3% cashback category from a range of options, allowing you to tailor the rewards to your biggest spending area.
For simplicity and no annual fee:
- Ink Business Unlimited Credit Card: This card offers a straightforward 1.5% cashback on all purchases with no annual fee, making it a good choice for businesses that want a simple rewards program.
- The American Express Blue Business Cash Card: This card offers 2% cashback on the first $50,000 in purchases annually, then 1% thereafter on eligible purchases, with no annual fee.
Earn cashback rewards with the Ramp Business Credit Card
The Ramp Business Credit Card offers cashback on purchases with no annual fee or late fees. You also won’t have to pay any interest on your Ramp card, and you can get a higher credit limit compared to a traditional business credit card.
Ramp also provides spending insights that help you stay on top of your business expenses and how employees use their corporate cards. You can learn more about Ramp and see how it works by requesting a free demo.
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