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Best business cash back cards

Which cash back card is best for your business?

Summary

We’ve selected four of the best cash back credit cards for business, and provided an in-depth look at each card’s pros and cons, plus our thoughts on which business credit card might be the best option for you.

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Running a business includes a lot of decisions, and one choice is which credit card to use. The best cash back business credit cards give you the opportunity to earn industry-leading cash back on every purchase, whether you prefer the flexibility of a flat-rate cash back card or the rewards opportunities associated with a bonus category cash back card.

Each of the best cash back business cards has its pros and cons, and each comes with a slightly different rewards structure. Some cards offer higher cash back rates in exchange for an annual fee, for example, and other cards eliminate the annual fee but limit how much you can earn in bonus cash back categories. Depending on your business, this minor decision of which credit card to get could potentially matter to the tune of hundreds of dollars or more in rewards.

We’ve selected four of the best cash back credit cards for business and provided an in-depth look at each card’s pros and cons – as well as our thoughts on which business credit card might be the best option for your business.

American Express Blue Business Cash Card: Best no-annual-fee cash back card

Why we picked it: If you want a business credit card that earns 2% cash back with no annual fee, the American Express Blue Business Cash™ Card is a great option. Many small-business owners will be able to take advantage of the Amex Blue Business Cash’s high cash back percentage without worrying about whether their business is going to exceed $50,000 in credit card spending in a single year. If your small business is likely to hit the Amex 2% cash back cap, you’re probably earning and spending at a level that can justify a credit card with an annual fee.

Pros:

  • Some of the highest flat-rate cash back rewards in the industry
  • No annual fee
  • $250 statement credit after you spend $3,000 in the first three months
  • 12 months of 0% intro APR on purchases (13.99% to 21.99% variable after that)

Cons:

  • 2% cash back capped at $50,000 per calendar year, then 1%

Who should apply: If you want high cash back rewards with no annual fee, plus 12 months of 0% APR on purchases, consider the Amex Blue Business.

Who should skip: The rather low welcome bonus and the card’s flat cash back rate annual spending cap might not appeal to those who spend more than $50,000 per year.

Capital One Spark Cash Plus: Best unlimited cash back card

Why we picked it: If you want unlimited 2% cash back rewards, the Capital One Spark Cash Plus is your best business credit card option. Yes, you’ll have to pay an annual fee to take advantage of these cash back rewards, but you can offset the cost of future annual fees by earning the Spark Cash’s up to $1,000 welcome bonus.

Pros:

  • Unlimited 2% cash back on all qualifying purchases
  • $500 welcome bonus when you spend $5,000 in the first three months, plus an additional $500 when you spend $50,000 in the first six months
  • $200 cash bonus every year you charge $200,000 or more

Cons:

  • Annual fee of $150
  • Must pay off your card balance in full each billing cycle

Who should apply: If you like to earn cash back vs. travel points, the Spark Cash Plus enables you to skip the spending limits and math commonly associated with rewards credit cards.

Who should skip: If you’re not a high business spender or you’re looking for a card that has a long list of benefits, this might not be the card for you.

Ink Business Unlimited Credit Card: Best unlimited cash back card with no annual fee

Why we picked it: We like to call the Ink Business Unlimited® Credit Card a “set it and forget it” card. What does that mean? If you’re a small-business owner who wants 1.5% unlimited flat-rate cash back on all purchases without having to worry about an annual fee, all you must do is apply for the Ink Business Unlimited. Once your credit card is in place, you won’t have to worry about spending caps, cash back categories, annual fees or anything else besides earning your sign-up bonus and growing your business. The card also comes with a 0% intro APR on purchases for 12 months (13.49% to 19.49% variable APR thereafter).

Pros:

  • Sign-up bonus of $750 after spending $7,500 in the first three months
  • No annual fees
  • 0% intro APR on purchases for 12 months

Cons:

  • No bonus categories

Who should apply: If you’re planning on making some large purchases and want to pay for them over time, the $750 sign-up bonus and intro 0% APR period will come in very handy

Who should skip: If you’re looking for lots of rewards, you should probably consider another card.

Ink Business Cash Credit Card: Best bonus category cash back card

Why we picked it: If your small business spends most of its money on internet, cable and phone services, or office supplies, the Ink Business Cash® Credit Card offers 5% cash back to help you get the most bang for your buck. Plus, you’ll be able to earn 2% cash back on gas and dining, which is a great way to justify turning that next business meeting into a business lunch. Add in a $750 sign-up bonus and the fact it has no annual fee, and you’ve got yourself one of the best cash back business credit cards.

Pros:

  • 5% cash back on internet, cable and phone services, and office supply store purchases, for up to $25,000 in purchases per year
  • 2% cash back on gas and restaurant purchases, for up to $25,000 per year
  • $750 bonus after spending $7,500 in the first three months

Cons:

  • Only 1% cash back on purchases not earning bonus category rewards
  • Must have good to excellent credit

Who should apply: If you have a business that spends heavily in the bonus categories, this could be a great choice.

Who should skip: If you travel abroad a lot, the 3% foreign transaction fee could cost you.

Compare the best cash back business cards

CardRewardsWelcome bonusAPRAnnual fee
American Express Blue Business Cash™ Card
  • 2% cash back (on up to $50,000 in purchases per calendar year)
  • 1% cash back on all other purchases
Earn a $250 statement credit after you make $3,000 in purchases in your first 3 months0% intro APR on purchases for 12 months, then 13.99% to 21.99% variable$0
Capital One Spark Cash Plus
  • 2% cash back on all purchases
$500 after spending $5,000 in the first 3 months; additional $500 when you spend $50,000 in the first 6 monthsN/A (charge card)$150
Ink Business Unlimited® Credit Card
  • 1.5% cash back on all purchases
$750 after spending $7,500 in the first 3 months0% intro APR on purchases for 12 months, then 13.49% to 19.49% variable$0
Ink Business Cash® Credit Card
  • 5% cash back on internet, cable and phone services and at office supply stores (for up to $25,000 in purchases per year)
  • 2% cash back on gas and dining (for up to $25,000 in purchases per year)
  • 1% cash back on all other purchases
$750 after spending $7,500 in the first 3 months13.49% to 19.49% variable$0

How to choose a business credit card for cash back

It can be tricky to choose a business credit card for cash back. Make sure you look for these things:

  • Low or no annual fee
  • Good welcome bonus
  • Category bonuses in which your business spends heavily
  • A flat-rate card if you don’t spend a lot in traditional business categories

Bottom line

Remember, you can carry both a business cash back card and a business travel card – and you can always upgrade to one of those premium travel credit cards once your small business is bringing in enough revenue to justify the annual fee.

Until then, give yourself the opportunity to earn flexible cash back rewards by getting one of the best cards for small-business owners – and learn first-hand how a top business credit card can help your business grow.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Credit Card Rate Report
Reward
16.39%
Student
17.07%
Airline
16.04%
Business
14.62%
Cash Back
16.51%

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