Card guides
Every card here was vetted personally. We weight real cash back value, fees, and how well the card fits typical small business spending — not headline bonuses. Rates change; we keep this page current.
Affiliate disclosure applies — we may earn a commission if you apply through our links, at no cost to you.
| Card | Best for | Cash back | Annual fee | Welcome bonus | |
|---|---|---|---|---|---|
| Ink Business Cash | Office supplies & telecom | 5% on office supplies & telecom, 2% gas/dining, 1% else | $0 | $750 cash back after $6K in 3 months | Apply |
| Amex Blue Business Cash | Flat-rate simplicity | 2% flat on all purchases (up to $50K/yr), 1% after | $0 | $250 statement credit after $3K spend | Apply |
| Capital One Spark Cash Plus | Travel-heavy businesses | 5% on hotels & rental cars (via portal), 2% everything else | $150 | Up to $2,000 cash back tiered bonus | Apply |
| BofA Business Advantage Customized Cash | Choose-your-own category | 3% in a category you pick, 2% dining, 1% else | $0 | $300 online statement credit | Apply |
| Brex | Startups & venture-backed | 7x rideshare, 4x travel, 3x dining, 2x software, 1x else (points) | $0 | Varies | Apply |
| Ramp | Built-in expense controls | 1.5% cash back on everything | $0 | Up to $500 welcome bonus | Apply |
5% on office supplies & telecom, 2% gas/dining, 1% else
Annual fee $0 · Welcome: $750 cash back after $6K in 3 months
Pros
Cons
Best for: Service businesses, agencies, and anyone with heavy software/telecom spend.
Apply now →2% flat on all purchases (up to $50K/yr), 1% after
Annual fee $0 · Welcome: $250 statement credit after $3K spend
Pros
Cons
Best for: Owners who want one card to handle everything, with zero math.
Apply now →5% on hotels & rental cars (via portal), 2% everything else
Annual fee $150 · Welcome: Up to $2,000 cash back tiered bonus
Pros
Cons
Best for: Established businesses with $75K+ in annual spend and travel.
Apply now →3% in a category you pick, 2% dining, 1% else
Annual fee $0 · Welcome: $300 online statement credit
Pros
Cons
Best for: Owners who already bank with Bank of America.
Apply now →7x rideshare, 4x travel, 3x dining, 2x software, 1x else (points)
Annual fee $0 · Welcome: Varies
Pros
Cons
Best for: Funded startups and high-velocity online businesses.
Apply now →1.5% cash back on everything
Annual fee $0 · Welcome: Up to $500 welcome bonus
Pros
Cons
Best for: Growing teams that need card controls more than maximum cash back.
Apply now →