Business cash back credit cards return a percentage of eligible purchases directly as statement credits, deposits, or rewards redeemable for cash. The following cards are organized by earn structure and annual fee tier.
No-annual-fee flat-rate cards
Wells Fargo Signify Business Cash Card
2% unlimited cash back on all purchases. No cap. $500 welcome bonus. Cell phone protection included. Full review →
TD Business Solutions Credit Card
2% unlimited cash back on all purchases. No cap. $500 welcome bonus. 0% intro APR for 12 billing cycles on purchases. Full review →
Amex Blue Business Cash Card
2% cash back (auto-applied as statement credit) on up to $50,000 per year in eligible purchases, then 1%. No annual fee. Expanded Buying Power. Full review →
Chase Ink Business Unlimited
1.5% on all purchases as Ultimate Rewards points (redeemable for cash at 1 cent/point). $750 welcome bonus. Transfer to airline/hotel partners when pooled with premium Chase card. Full review →
Capital One Spark Cash Select
1.5% cash back on all purchases; 5% on Cap1 Travel hotels/cars. $500 welcome bonus. 0% intro APR 12 months. Full review →
BofA Unlimited Cash Rewards
1.5% base (up to 2.625% at Preferred Rewards Platinum Honors). $300 welcome bonus. Full review →
No-annual-fee category bonus cash back
Chase Ink Business Cash
5% office/telecom (to $25k/yr), 2% dining/gas (to $25k/yr), 1% other. $350 + $400 tiered welcome bonus. Full review →
U.S. Bank Triple Cash Rewards
3% on gas, EV charging, office supplies, cell services, restaurants (no cap). 1% other. $500 welcome bonus. Full review →
BofA Cash Rewards Business
3% in selected category, 2% dining, 1% other (caps apply). $300 welcome bonus. Full review →
Costco Anywhere Business by Citi
4% gas (to $7k/yr), 3% restaurants/travel, 2% Costco, 1% other. Requires Costco membership ($65/yr). Full review →
PNC Cash Rewards Visa Signature
3% gas (to $8k/yr), 2% dining (to $8k/yr), 1% other. $400 welcome bonus. Full review →
Cards with annual fees — flat or near-flat cash back
Capital One Spark Cash for Business ($95 AF)
2% unlimited cash back on all purchases; 5% on Cap1 Travel hotels/cars. $500 welcome bonus. Annual fee waived year one. Full review →
Capital One Spark Cash Plus ($150 AF, charge card)
2% unlimited on all purchases; 5% on Cap1 Travel hotels/cars. No preset spending limit. $150 AF rebated when spending exceeds $150k/year. $1,200 welcome bonus (two-part). Full review →
Amex Graphite Business Cash Unlimited ($250 AF)
2.5% unlimited cash back on all eligible purchases. No cap. No category restrictions. Net positive over no-fee 2% cards for businesses spending above $50,000/year after fee. Full review →
Chase Ink Business Premier ($195 AF, revolving)
2.5% on single transactions of $5,000+; 2% on all other purchases. No transfer partners. High-ticket spending optimized. $1,000 welcome bonus. Full review →
U.S. Bank Business Altitude Power ($195 AF)
2x points (redeemable for cash at 1 cent/point) on all purchases; 2.5x on mobile wallet. Real-time rewards portal. $500 welcome bonus. Full review →
Key distinctions
Spend cap risk: Cards like the Amex Blue Business Cash and Chase Ink Cash have category or annual spend caps that reduce the effective earn rate for high-volume businesses. Verify cap thresholds against projected annual spending before committing.
Charge cards vs. revolving: The Spark Cash Plus is a charge card — balances must be paid in full monthly. All other cash back cards listed here allow revolving balances (at interest). Businesses relying on month-to-month float need a revolving card.
Merchant network: Amex-issued cards (Blue Business Cash, Graphite Business Cash) will encounter occasional merchant rejection. Visa- and Mastercard-issued cards have higher acceptance.
See also: No-Annual-Fee Business Credit Cards (2026), Business Travel Credit Cards (2026)
