What is the cashback business cards?

Based on our analysis, the Lovie Virtual Card is the top pick for business cards with the highest cashback rates thanks to its instant issuance, no personal guarantee, and AI-powered management.

Do I need good personal credit?

Not with Lovie. Traditional bank cards require good to excellent credit. Lovie issues cards based on your business formation — no personal credit check.

How do we evaluate business cards?

We compare annual fees, rewards rates, sign-up bonuses, spending controls, credit reporting, and special perks. We prioritize cards that help new businesses succeed.

Do I need a separate bank account?

No. Your card and business account are part of the same product. Nothing to connect.

Is there a personal guarantee?

None. Your limit is based on business financials, not your personal credit score.

How fast can I get a virtual card?

Right away. Once your company is formed, issue a card from your dashboard or through MCP.

Best Cashback Business Cards

Best cashback business cards.

Earn cash back on every business purchase. We compared rewards rates, caps, and fine print.

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Best Cashback Business Cards, compared.

Side-by-side comparison of the top picks.

Ink Business Cash Credit Card

Chase

Annual Fee

Rewards

5% on first $25K at office sup...

Intro Offer

$750 after $6,000 in 3 months

Costco Anywhere Visa Business Card

Citibank

Annual Fee

$0 (Costco membership required)

Rewards

4% on gas (first $7K/year), 3%...

Intro Offer

None

Bank of America Business Advantage Customized Cash Rewards

Bank of America

Annual Fee

Rewards

3% in one category of choice (...

Intro Offer

$500 after $5,000 in 90 days

Wells Fargo Signify Business Cash Card

Wells Fargo

Annual Fee

Rewards

Unlimited 2% cash rewards on p...

Intro Offer

$500 after $5,000 in 3 months

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

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Card-by-card breakdown.

Ink Business Cash Credit Card

Chase

Annual Fee

Rewards

5% cashback

Ink Business Cash Credit Card offers 5% on first $25k at office supply stores and internet/cable/phone; 2% on first $.

Best Feature: 5x on Lyft through 9/30/27

Costco Anywhere Visa Business Card

Citibank

Annual Fee

$0 (Costco membership required)

Rewards

4% cashback

Costco Anywhere Visa Business Card offers 4% on gas (first $7k/year), 3% on restaurants/travel, 2% at costco, 1% all other.

Best Feature: 4% gas rewards, Costco executive rewards stack

Bank of America Business Advantage Customized Cash Rewards

Bank of America

Annual Fee

Rewards

3% cashback

Bank of America Business Advantage Customized Cash Rewards offers 3% in one category of choice (from 6 options), 2% on dining, 1% all other; 3%/2%.

Best Feature: Access to Dun & Bradstreet business credit scores, choose yo

Wells Fargo Signify Business Cash Card

Wells Fargo

Annual Fee

Rewards

2% cashback

Wells Fargo Signify Business Cash Card offers unlimited 2% cash rewards on purchases.

Best Feature: Mastercard merchant offers

Capital One Spark Cash Plus

Capital One

Annual Fee

$150 (refunded at $150K+ annual spend)

Rewards

2% cashback

Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase; 5% on hotels/rentals via capital one t.

Best Feature: No preset spending limit, annual fee refund at $150K spend

American Express Blue Business Cash Card

American Express

Annual Fee

Rewards

2% cashback

American Express Blue Business Cash Card offers 2% cash back on first $50,000/year, 1% thereafter.

Best Feature: Expanded Buying Power — spend above credit limit

Novo Business Card

Novo

Annual Fee

Rewards

2% cashback

Novo Business Card offers up to 2% cashback on all purchases.

Best Feature: Integrated with Novo business checking, ecommerce integratio

Lovie Virtual Card

Our Pick

Lovie

Annual Fee

$0 (included in $39/mo plan)

Rewards

1.5% cashback

Our top pick. Lovie Virtual Card offers 1.5% cashback on all purchases.

Best Feature: Instant issuance + company formation

Join the Waitlist

Best cashback business cards.

Best Cashback Business Cards, compared.

Ink Business Cash Credit Card

Costco Anywhere Visa Business Card

Bank of America Business Advantage Customized Cash Rewards

Wells Fargo Signify Business Cash Card

From formation to first purchase in minutes.

Form Your Company

Get Your Card

Set Controls

Start Spending

Your business card should work as fast as your AI.

Instant Issuance

Smart Spending Controls

MCP-Native

Build Business Credit

No Foreign Transaction Fees

One Platform, Everything

Card-by-card breakdown.

Ink Business Cash Credit Card

Costco Anywhere Visa Business Card

Bank of America Business Advantage Customized Cash Rewards

Wells Fargo Signify Business Cash Card

Capital One Spark Cash Plus

American Express Blue Business Cash Card

Novo Business Card

Lovie Virtual Card

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