Best flat-rate cashback business cards.
Simple, predictable rewards on every purchase. No categories to track.
Best Flat-Rate Cashback Business Cards, compared.
Side-by-side comparison of the top picks.
Wells Fargo Signify Business Cash Card
Wells Fargo
American Express Blue Business Cash Card
American Express
Ink Business Unlimited Credit Card
Chase
Capital One Spark 1.5% Cash Select
Capital One
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.
Card-by-card breakdown.
Wells Fargo Signify Business Cash Card
Wells Fargo
Wells Fargo Signify Business Cash Card offers unlimited 2% cash rewards on purchases.
American Express Blue Business Cash Card
American Express
American Express Blue Business Cash Card offers 2% cash back on first $50,000/year, 1% thereafter.
Ink Business Unlimited Credit Card
Chase
Ink Business Unlimited Credit Card offers unlimited 1.5% cash back on every purchase.
Capital One Spark 1.5% Cash Select
Capital One
Capital One Spark 1.5% Cash Select offers unlimited 1.5% cash back on every purchase; 5% on hotels/rentals via capital one.
Bank of America Business Advantage Unlimited Cash Rewards
Bank of America
Bank of America Business Advantage Unlimited Cash Rewards offers unlimited 1.5% cash back on all purchases.
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Beyond business cards: the full Lovie platform
A business card is one piece of your financial stack. Lovie brings formation, banking, equity, and compliance together so founders can focus on building.
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AI-powered LLC and C-Corp formation for foundersOnce your entity is formed, equity management becomes critical. Track shares, SAFEs, and option pools with a cap table built for modern founders.
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token operations and treasury management platformBusiness cards work best when paired with a banking stack that understands how modern startups operate, from automated bill pay to API-driven transactions.
agent-native banking designed for AI-first startups