Best Cash Back Business Credit Cards
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Businesses of all shapes and sizes can use rewards credit cards to earn more on the purchases they make each day, but there are many different types of business credit cards to choose from. The majority of business owners prefer the flexibility and rewards potential of cash back credit cards, as these typically offer a variety of ways to earn and redeem rewards over time.
If you’re in search of one of the best cash back business credit cards, you should review a card’s features and benefits, its overall rewards program and redemption options, as well as the fees and interest rates for purchases.
Cash back business credit cards may also offer a signup bonus for new cardmembers, which is worth analyzing before picking a credit card. Here are the best cash back business credit cards currently on the market.
Best Cash Back Business Credit Cards
SimplyCash Plus Business Credit Card
on American Express’ secure website
SimplyCash Plus Business Credit Card from American Express
- Annual Fee: $0
- APR: 0% for first 9 months; 13.49% – 20.49% variable APR after that
- Benefits: Earn 5% cash back at U.S. office supply stores and on wireless telephone services, 3% on select categories, and 1% on other purchases
- Category: Business Credit Card
The American Express SimplyCash Plus Business credit card is a top pick for business owners interested in cash back rewards.
With this credit card, business owners have the ability to earn 5 percent cash back on purchases made at U.S. office supply stores and wireless telephone services from select U.S. providers. Additionally, cardmembers earn 3 percent cash back on a category of their choice, selecting from:
- Airfare
- Hotel rooms
- Car rentals
- Gas stations
- Restaurants
- Advertising in select media
- Shipping
- Computer hardware, software, or cloud computing purchases
Cardmembers also earn 1 percent cash back on all other purchases.
There is no annual fee with the American Express SimplyCash Plus Business credit card. There’s a zero percent introductory interest rate for purchases for new cardmembers during the first nine months. Interest rates after the introductory period are 14.49% – 21.49%, depending on the cardmember’s credit history and score.
New cardmembers also have the opportunity to spend above their stated credit limit in certain instances without a fee. Amex also offers access to expense management tools, travel and transportation perks, and extended warranty and purchase protection coverage.
Bank of America Business Cash Back Credit Card
on Bank of America’s secure website
Bank of America Business Advantage Cash Rewards
- Annual Fee: $0
- APR: 0% for first 9 months; 14.49% – 24.49% variable APR after that
- Benefits: Earn 3% on purchases at gas stations and office supply stores, 2% at restaurants, and 1% on other purchases
- Category: Business Credit Card
The Bank of America Business Advantage Cash Rewards credit card is another option for business owners.
The credit card offers 3 percent cash back on purchases made at gas stations and office supply stores, up to $250,000 per year in combined spending. Cardholders also earn 2 percent cash back at restaurants and 1 percent cash back on all other purchases.
New cardholders have the potential to earn a $200 statement credit after they make at least $500 in net purchases within the first 60 days of opening an account.
The Bank of America Business Advantage Cash Rewards credit card also comes with flexibility in redeeming earned rewards, as cardholders can access their cash back when at least $25 has accrued. Cash back is redeemed for either a statement credit or as a direct deposit into a Bank of America small business checking or savings account.
There is no annual fee for the credit card, and interest rates range from 12.49% to 22.49%. There is an introductory zero percent interest rate on purchases for the first nine billing cycles, however.
Capital One Spark Cash for Business
on Capital One’s secure website
Capital One Spark Cash for Business
- Annual Fee: $0 intro for the first 12 months; $95 after that
- APR: 22.24% variable APR
- Benefits: Earn 2% cash back on purchases
- Category: Business Credit Card
Capital One offers a business cash back rewards option with the Spark Cash for Business credit card. With this card, business owners earn an unlimited 2 percent cash back on all purchases, without category restrictions or bonus earnings for select spending.
A $500 cash bonus is available to new cardholders who make at least $4,500 in purchases within the first three months of opening an account. There is no annual fee for the Spark Cash Business credit card for the first year and a $95 fee for every year after.
The interest rate available for cardholders is a variable 18.24%, and there is no introductory rate offered at this time. Business owners do receive free employee credit cards, and $0 fraud liability coverage if a card is lost or stolen. There is also no minimum rewards balance necessary to start redeeming earned cash back.
Capital One Spark Cash Select for Business
on Capital One’s secure website
Capital One Spark Cash Select for Business
- Annual Fee: $0
- APR: 0% for first 9 months; 15.24% – 23.24% variable APR after that
- Benefits: Earn 1.5% cash back on purchases
- Category: Business Credit Card
In addition to the Spark Cash credit card, Capital One also offers the Spark Cash Select credit card for qualified business owners. This credit card earns 1.5 percent unlimited cash back rewards on all purchases, regardless of category, and it provides access to earned rewards anytime. A $200 cash bonus is available to new cardholders who spend at least $3,000 in the first three months.
The Capital One Spark Cash Select business credit card has no annual fee, and the purchase interest rate ranges from 15.24% to 23.24%. All new cardholders have access to a zero percent purchase interest rate for the first nine months. Free employee cards are available, and $0 fraud liability is included for all cardholders.
Ink Business Cash Card
The information for this card is outdated. For more accurate information, visit the issuer’s website.
Rewards rate: 1% – 5%
Annual fee: $0
Editor’s thoughts: This card comes with a large welcome bonus, competitive cash back rates that come with spending caps, and other perks
Chase offers the Ink Business Cash as one of its business cash back options. New businesses can earn $750 cash back after spending $7,500 on purchases within the first three months after account opening.
The Chase Ink Business Cash credit card allows cardholders to earn 5 percent cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year.
Cardholders also earn 2 percent cash back on the first $25,000 on purchases at gas stations and restaurants. All other purchases earn 1 percent cash back without limit.
Chase Ink Business Cash credit card holders do not pay an annual fee.
Chase also offers free employee cards to business owners, tools to track credit card spending, travel and purchase protection, and flexibility in rewards redemption.
