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Best Cash Back Business Credit Cards of May 2025

Compare cash back business credit cards on Myfin.us.

Updated May 02, 2025
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Best Credit Cards for Cash Back Business in May 2025

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First National Bank of Omaha Business Edition® Mastercard® with Reward Simplicity

FNBO First Bank Business Edition® Mastercard® with Reward Simplicity
Annual fee:
$0
Regular APR:
20.49% - 29.99% Variable
Our Rating:
3.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles
  • Balance Transfer APR:
    20.49% - 29.99% Variable
  • Issuer name:
    First National Bank of Omaha
  • Details:

    The First Bank Business Edition® Mastercard® with Reward Simplicity earns 1.5% Cash Back on all purchases. Plus, earn a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.

    The First Bank Business Edition® Mastercard® with Reward Simplicity doesn't charge an annual fee.

    The Card has a 0% Intro APR period on purchases and balance transfers for the first 6 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 20.49% and 29.99% APR depending on your credit worthiness.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles.
View all Business Edition® Mastercard® with Reward Simplicity details
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Celtic Bank The Card by Seneca Women

Celtic Bank The Card by Seneca Women
Annual fee:
$0
Regular APR:
21.24% - 28.24% Variable
Our Rating:
3.38
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace. The card's 3% and 2% rewards are capped at a total spend of $500 per month.
    • 2% Cash Back on cardholders’ top monthly spending category. The card's 3% and 2% rewards are capped at a total spend of $500 per month.
    • 1% Cash Back on all other purchases.
  • Issuer name:
    Celtic Bank
  • Details:

    The Card by Seneca Women from Celtic Bank earns 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace, 2% Cash Back on cardholders’ top monthly spending category and 1% Cash Back on all other purchases. The card's 3% and 2% rewards are capped at a total spend of $500 per month.

    The Card doesn't charge an annual fee. The APR for purchases is 21.24% - 28.24% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Balance transfers and cash advances are not available
  • Benefits:
    • 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace;
    • 2% Cash Back on cardholders’ top monthly spending category;
    • 1% Cash Back on all other purchases.
View all The Card by Seneca Women details
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Chase Ink Business Premier℠

Chase Ink Business Premier℠
Annual fee:
$195 annually
Regular APR:
18.49% - 26.49% Variable
Our Rating:
4.06
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on Lyft rides through March 2025.
    • 2.5% Cash Back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed.
    • 2% Cash Back on all other business purchases.
  • Intro Offer:
    • $1,000 Bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening.
  • Issuer name:
    Chase
  • Details:

    The Chase Ink Business Premier℠ Credit Card earns $1,000 bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening. The Card offers 5% Cash Back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed. You'll earn 2.5% Cash Back on every purchase of $5,000 or more, and 2% Cash Back on all other business purchases.

    The Card's APR: 18.49% to 26.49% (Variable).

    The Ink Business Premier℠ Card has an annual fee of $195.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • $1,000 Bonus Cash Back (after you spend $10,000 on purchases in the first 3 months after account opening);
    • 5% Cash Back on every purchase of $5,000 or more (that’s $250 on a purchase of $10,000 when redeemed);
    • 2.5% Cash Back on every purchase of $5,000 or more;
    • 2% Cash Back on all other business purchases;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Roadside Dispatch;
    • Cell Phone Protection;
    • Employee cards.
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Black Hills Federal Credit Union Visa Cash Back

Black Hills Federal Credit Union Visa Cash Back
Annual fee:
$0
Regular APR:
7.75% - 17.90% Variable
Our Rating:
4.57
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 1.5% Cash Back on everyday purchases.
  • Intro Offer:
    • $200 Cash Back after spending $2,000 during first 90 days opening the card.
  • Balance Transfer APR:
    7.75% - 17.90% Variable
  • Issuer name:
    Black Hills Federal Credit Union
  • Details:

    The Visa Cash Back Credit Card from Black Hills Federal Credit Union earns 1.5% Cash Back on everyday purchases.

    Earn $200 Cash Back after spending $2,000 during first 90 days opening the card.

    The Card doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 2.90% for balance transfers for the first 12 months (7.75% - 17.90% Variable after that).

  • Pros:
    • No Annual Fee
    • No balance transfer fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Cash Back (after spending $2,000 during first 90 days opening the card);
    • 1.5% Cash Back on everyday purchases;
    • Travel Accident Insurance;
    • Auto Rental Collision Damage Waiver.
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Zions Bank AmaZing Cash® for Business

Zions AmaZing Cash® for Business
Annual fee:
$0
Regular APR:
18.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $750 Cash Back when you spend $7,500 in the first 120 days.
  • Purchase Intro APR:
    0% Intro APR for the first 6 months from account opening
  • Balance Transfer APR:
    18.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The AmaZing Cash® for Business Credit Card earns 3% back on office supplies and technology, 2% back on travel, and 1% back on everything else. Get $750 Cash Back when you spend $7,500 in the first 120 days.

    The AmaZing Cash® for Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 18.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $750 Cash Back (when you spend $7,500 in the first 120 days);
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications;
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals;
    • 1% Cash Back on all other purchases;
    • Visa® Zero Liability;
    • Visa Concierge Service;
    • Travel Accident Insurance;
    • Travel & Emergency Assistance;
    • Emergency Card Replacement;
    • Emergency Cash Disbursement.
View all AmaZing Cash® for Business details
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Truist Bank Business Cash Rewards

Truist Business Cash Rewards
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on gas.
    • 2% Cash Back at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month.
    • 1% Cash Back on all other eligible purchases.
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles
  • Balance Transfer APR:
    17.49% - 26.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Business Cash Rewards Credit Card earns 3% Cash Back on gas, 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month). Plus, earn 1% Cash Back on all other eligible purchases.

    The Business Cash Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 9 billing cycles on purchases. After that, the variable APR is 17.49% - 26.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on gas;
    • 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month);
    • 1% Cash Back on all other eligible purchases;
    • Visa® Zero Liability protection;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Visa Signature Concierge.
View all Business Cash Rewards details
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Webster Bank Visa® Business Cash Preferred

Webster Visa® Business Cash Preferred
Annual fee:
$0
Regular APR:
19.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $25 Bonus reward applied to your account after your first purchase.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles
  • Balance Transfer APR:
    19.24% - 28.24% Variable
  • Issuer name:
    Webster Bank
  • Details:

    The Webster Visa® Business Cash Preferred Credit Card earns 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases, 1% Cash Back on all other purchases.

    The Visa® Business Cash Preferred Card doesn’t charge an annual fee.

    The Card has a 0% introductory APR period for 6 billing cycles on purchases and balance transfers made within 186 days of account opening. After that, the variable APR is 19.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases;
    • 1% Cash Back on all other purchases;
    • Free employee cards;
    • Zero fraud liability;
    • Auto rental collision damage waiver.
View all Visa® Business Cash Preferred details
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Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit
Annual fee:
$0
Regular APR:
18.49% - 24.49% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    18.49% - 24.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark Cash Select for Excellent Credit earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Capital One Spark Cash Select for Excellent Credit doesn't charge an annual fee.

    The Card's APR is 18.49% - 24.49% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
View all Spark® Cash Select details
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PNC BusinessOptions® Visa Signature®

PNC BusinessOptions® Visa Signature®
Annual fee:
$0 - $500 annually
Regular APR:
16.24% - 22.24% Variable
Our Rating:
3.85
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on purchases.
  • Intro Offer:
    • $750 Make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC BusinessOptions® Visa Signature® Credit Card earns 1.5% Cash Back on all purchases. You have the ability to choose your rewards program. The BusinessOptions® Visa Signature® allows you to choose between cash back, miles, and PNC points®.

    The APR on purchases and balance transfers ranges from 16.24% to 22.24% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • $750 bonus;
    • 1.5% Cash Back on purchases;
    • Choose either a pay-in-full option or a revolving credit option to pay off your balance;
    • Choice of 3 rewards programs;
    • Ability to limit individual employee spending by merchant or purchase category;
    • Visa Signature Travel Benefits.
View all BusinessOptions® Visa Signature® details
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U.S. Bank Triple Cash Rewards Visa® Business Card

US bank Triple Cash Rewards Visa® Business
Annual fee:
$0
Regular APR:
19.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $500 In Cash Back when you spend $4,500 on purchases in the first 150 days.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 billing cycles
  • Balance Transfer APR:
    19.24% - 28.24% Variable
  • Issuer name:
    US bank
  • Details:

    The US bank Triple Cash Rewards Visa® Business Credit Card earns $500 in Cash Back when you spend $4,500 on purchases in the first 150 days. The Card offers 5% Cash Back on prepaid hotels and car rentals (booked directly in the Travel Rewards Center), 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, restaurants and 1% Cash Back on all other eligible purchases.

    Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

    The Triple Cash Rewards Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on purchases. In addition, there is a 0% introductory APR period for 15 billing cycles on balance transfers made within 30 days of account opening. After that, the variable APR is 19.24% - 28.24%.

  • Pros:
    • No annual fee
    • 0% Intro APR period on purchases and balance transfers
    • 3% cash back categories
    • A sign-up offer
  • Cons:
    • Foreign transaction fee
    • Rewards categories are limited
  • Benefits:
    • $500 in Cash Back when you spend $4,500 on purchases in the first 150 days;
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center;
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants;
    • 1% Cash Back on all other eligible purchases;
    • $100 software credit;
    • Pay With Your Phone;
    • Expense management;
    • Zero Fraud Liability.
View all Triple Cash Rewards Visa® Business details
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