The 7 Best Cashback Business Credit Cards to Help You Save

As a small business owner, maximizing your bottom line is a top priority, and cashback business credit cards can help you do just that. These cards may have welcome offers and ongoing rewards that you can drive back into your business.

The best cash back business credit cards offer solid rewards, and some give cardholders other valuable features, such as 0% introductory APR promotions and more.

There's no perfect card out there for everyone, but if you're looking for a cashback credit card for your business, here are our top choices to help you narrow down your selection.

The best cash back business credit cards

• Ink Business Unlimited^® Credit Card
• Ink Business Cash^® Credit Card
• U.S. Bank Triple Cash Rewards Visa^® Business Card
• Capital One Spark Cash Plus
• The American Express Blue Business Cash™ Card
• Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card
• Capital One Spark Classic for Business

Compare the best cashback credit cards for business

Ink Business Unlimited^® Credit Card: Best overall

The Ink Business Unlimited^® Credit Card from Chase can be a great fit for new businesses, independent contractors, and small business owners who are looking to get the best bang for their buck on a business credit card. This card combines some of your favorite perks of other business cards on the market, which is why I have it listed first overall.

Thanks to its flat rewards rate, I think this card would be great for business owners who want a no-frills card where they don't have to keep track of bonus categories, but can still earn a slightly elevated rewards rate.

Alternatively, because this card has a $0 annual fee, I think it's a great option to accompany any other business rewards cards you have that do have bonus categories, but may also have an annual fee. For example, you could pair this card with the Ink Business Preferred^® Credit Card, also from Chase, and redeem your cash back for more value by transferring it over.

Finally, thanks to the Ink Business Unlimited's long intro APR on purchases, it's worth considering this card if you're planning a large purchase or need some time to pay off some supplies or inventory. You could save hundreds of dollars in interest on top of the solid rewards program.

Read our full Ink Business Unlimited^® Credit Card review for more details.

Ink Business Cash^® Credit Card: Best for high rewards rate

The Ink Business Cash^® Credit Card is another business card offered by Chase, but this card really shines with its high rewards rate. In particular, you can earn 5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. If your business spends a lot in these areas, this is a great card to consider.

This card has one of the highest cash back rates for a $0-annual-fee card, so it would be easy to use it on its own or pair it with a different card, such as one that offers a higher flat rewards rate on those purchases you can't get the bonus rate for on this one.

Read our full Ink Business Cash^® Credit Card review for more details.

U.S. Bank Triple Cash Rewards Visa^® Business Card: Best for common business expenses

The U.S. Bank Triple Cash Rewards Visa^® Business Card has compelling features for business owners who spend a lot of money on common business expenses. With its 3% cash back for eligible purchases at gas stations and EV charging stations (purchases of $200 or less), office supply stores, cell phone service providers, and restaurants, I can see how certain businesses could earn a lot of cash back.

This card may also be a good option if you use accounting software. You'll get a $100 credit for recurring software subscriptions like QuickBooks or FreshBooks.

This is another $0-annual-fee card, so I'd recommend pairing it with another card, either a cash back or points card, that offers complimentary bonus categories or a higher flat rewards rate.

Read our full U.S. Bank Triple Cash Rewards Visa^® Business Card review for more details.

Capital One Spark Cash Plus: Best flat rewards rate

If you want the highest rewards rate without having to think about bonus categories, the Capital One Spark Cash Plus is a great option to consider. Its cash back rate is higher than any other flat rewards rate on our list, and that's in addition to the 5% cash back you'll get on hotels and rental cars booked through Capital One's travel booking site.

This card is particularly well-suited to high-spend businesses. You can earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Capital One also offers up to $2,000 in year-end bonuses for this card, but it's for every $500,000 you spend during the first year. Finally, the annual fee is refunded if your business spends at least $150,000 per year.

It's worth noting that this card isn't a good option if you plan to make some large purchases and pay them off over time, as it requires that you pay your balance in full each month.

Read our full Capital One Spark Cash Plus review for more details.

The American Express Blue Business Cash™ Card: Best long intro APR

If you like the idea of having a long intro APR on your business card, consider the The American Express Blue Business Cash™ Card. You'll pay 0% intro APR on all purchases for the first 12 months from date of account opening (then 17.49% - 27.49% Variable) , which is more generous than many business cards offer. This means that if you need to finance a large expense, you can do it with this card and pay it off over the first year.

We also love this card's generous 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that. However, because of the spending cap, this card may be best suited to lower-spending businesses.

And if you like this card but would prefer to earn points, check out the The Blue Business^® Plus Credit Card from American Express. It's almost exactly the same card, but it earns Membership Rewards points instead of cash back.

Read our full The American Express Blue Business Cash™ Card review for more details.

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card: Best for customized rewards

The Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card does something that no other card on our list does: it allows you to choose your own bonus categories.

You can earn 3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases. And you can change your bonus category every month. So if you've got a big purchase coming up in a particular spending category, just switch your bonus over.

If you're a Bank of America business banking customer, this card might be a no-brainer. You'll earn 75% more cash back on your purchases.

Read our full Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card review for more details.

Capital One Spark Classic for Business: Best for fair credit

All of the cards we've listed so far are targeted to small business owners with at least good credit, but the Capital One Spark Classic for Business is different. This card can be a solid alternative to many other business cards that require higher credit scores.

No, this card won't earn you as much as the other points on our list. However, the 1% unlimited cash back on every purchase for your business, plus 5% cash back on hotels and rental cars booked through Capital One Travel isn't bad for someone with fair credit. Some of your other options don't offer any cash back at all.

This card is a great entry point because once you open the Capital One Spark Classic and start building your credit, you can eventually upgrade to a different Capital One business credit card and earn even better rewards. With good or excellent credit, you can upgrade and get more points or cash back on your spending, travel rewards, and more.

Read our full Capital One Spark Classic for Business review for more details.

How to choose the best cash back card for your business

If you're looking for a cash back business credit card, you've got plenty of options. If you don't know exactly what you want, however, it can be easy to get overwhelmed.

In addition to reading about top choices from the experts, it's important to consider a few things before you pick a card:

• Your credit score: Business credit cards typically require a personal credit check when you apply, even if you have an extensive business credit history. Our top cashback business credit cards and others typically require at least a good credit score, which means a FICO score of 670 or higher. If your credit score isn't quite there, your options will be limited.
• Your business expenses: Each credit card has its own rewards program, and while some offer a flat rewards rate on all of your purchases, others provide accelerated rewards on certain spending categories. Think about where your business spends the most money and consider getting a card that offers bonus rewards in that category. If you don't spend a lot in any one area or don't spend much in general, a card with a high, flat rewards rate may do the trick.
• Your preferences: In addition to rewards, many cash back business credit cards offer other perks, including welcome offers, introductory 0% APR promotions, and more. As you consider what you're looking for in a card, think about more than just what you'll earn in cash back. Think about what would be the best fit for your business based on your preferences, then pick that card.

To help you with your search for the right card, we've provided our top picks based on rewards rates, bonus offers, and other features that might make them a good fit.

And remember that you don't have to choose just one card. Many of the cards on our list have no annual fee, making it easy to apply for more than one. You can pick a few cash back cards — or combine a cash back card with a business travel card — to make sure you always have one available that gives you a good rewards rate on particular expenses.

FAQs

Up to 5% Cash Back

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

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Rates and fees

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections

Drawbacks

• Bonus rewards capped after $25,000 annual spend in each category
• No bonus rewards for travel or advertising purchases
• Foreign transaction fee of 3% of each transaction in U.S. dollars

Card Details

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC