Best Pick for Flat-Rate Cash Back
Capital One Spark 2% Cash Plus for Business
Want a simple, no-frills way to earn cash back for your business spending? The Capital One Spark 2% Cash Plus for Business makes it easy with a solid flat-rate reward for everything you buy. And unlike some other business rewards cards, there’s no cap to how much cash back you can earn, making this a solid option for companies with high monthly expenses.
Runners-up:
- American Express Blue Business Cash™ Card
- Ink Business Unlimited® Credit Card
- Capital One Spark 1.5X Miles Select for Business
- Bank of America® Business Advantage Unlimited Cash Rewards Card
- Discover it® Business Card
Best Pick for Office Supplies and Internet and Phone Services
Ink Business Cash® Credit Card
Different businesses spend differently. The right cash-back card will reward you for what you spend the most on, and those rewards could be pretty significant — enough to make a noticeable dent in your net expenses.
If office supplies and internet and phone services are mainstays of your budget, the Ink Business Cash® Credit Card might be the card for you. The 5% and 2% bonus categories are each limited to $25,000 in spending per year (not counting Lyft), but that adds up to $1,750 per year – maybe enough for employee perks.
If you find yourself running into the yearly caps, try pairing Ink Cash with one of the above flat-rate reward cards with no spending limit.
Best Pick for Gas
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Spending a lot of time on the road? Whether you’re traveling to meet new clients or customers, visiting project sites or working on your networking game, a credit card with gas as a bonus category can help take the edge off.
It won’t get you there any faster, but the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® offers a solid 3% back on gas to give you something back for all those trips. And if you can cash in on the other bonus categories, which cover some basic business expenses, all the better.
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Best Pick for Choosing Your Own Categories
Bank of America® Business Advantage Customized Cash Rewards Credit Card
If your budget never looks the same from one month to the next, you may not be satisfied with the static bonus categories of most cash-back business cards. The Bank of America® Business Advantage Customized Cash Rewards Credit Card gives you more flexibility to meet the changing needs of your business throughout the year.
You can choose your one 3% category every month out of six useful options. If next month will bring long hours on the road, stay with the gas category (it’s the default option). If you’ll be taking a longer trip, switch to travel to cover your airfare and hotel booking. If your consultant is scheduled for next month, choose business consulting services. You get the idea.
Best Pick for Average Credit
Capital One Spark 1% Classic for Business
How’s your credit? Not perfect, but not too bad?
The Capital One Spark 1% Classic for Business might have your name on it. It’s a unicorn business card, a rare card designed for entrepreneurs with average credit.
You’ll only earn the bare minimum cash back, which is no surprise, but there’s no spending cap. So if your business has a hefty expense budget, you’ll still be looking at a wealth of cash-back rewards each year, all while improving your credit scores so you can eventually qualify for better cards.
Best Pick for Amazon Shopping
Amazon Business Prime American Express Card
Small-business owners can get just as much out of Amazon as your average consumer, if not more. There are a variety of Amazon credit cards, including some business card options with features geared toward small-business management.
The Amazon Business Prime American Express Card is the best option, though you’ll need an Amazon Prime or Amazon Business Prime membership to get it.
The regular Prime membership is enough to get the card, but if you’re not a member already, you may prefer the Business Prime membership for the extra features, like expense management tools and progressive discounts on frequent purchases. If you don’t have Prime, check out the Amazon Business American Express Card.
Instead of earning cash back at Amazon and Whole Foods, you can choose 90-day payment terms to give yourself a bit of breathing room.
Runner-up:
- Amazon Business American Express Card
What’s the Best Cash Back Business Credit Card?
Our top picks for the best cash-back business cards include:
- Capital One Spark 2% Cash Plus for Business: There are flat-rate rewards for varied business spending, giving you 2% cash back on everything you buy.
- Ink Business Cash® Credit Card: Use for great rates (5%) at office supply stores, internet, phone and cable services.
- Bank of America® Business Advantage Customized Cash Rewards Credit Card: Use to pick your own 3% cash-back category each month, with options like gas, telecom/wireless services and computer services.
- Capital One Spark 1% Classic for Business: If your credit scores are about average, you can still earn 1% cash back on every purchase.
- Wells Fargo® Business Secured Credit Card: Bad credit? This secured business card can give you either 1.5% cash back or 1X point for each purchase.
What’s the Best Cash-Back Business Card With No Annual Fee?
This is tough to answer because most cash-back business cards come with no annual fee. But here are a few of our favorites:
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- American Express Blue Business Cash™ Card
- Bank of America® Business Advantage Customized Cash Rewards Credit Card
What’s the Best Cash-Back Business Card for Travel?
Cash-back business cards don’t tend to be the best for travel, but you do have some viable options:
- U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®: Use for a solid 3% cash back on gas.
- Bank of America® Business Advantage Customized Cash Rewards Credit Card: Pick your own 3% category each month, including gas and travel categories.
- Ink Business Cash® Credit Card: You’ll earn 5% back on Lyft rides and 2% back at gas stations.
- Ink Business Unlimited® Credit Card: Earn 5% back on Lyft rides and 1.5% back on everything else.
How Do Cash Back-Business Cards Work?
Cash-back business cards work pretty much like any other cash-back credit card. The process is simple:
- Make purchases with the card.
- Earn cash back according to the card’s terms (1.5% back on everything, 3% back on gas, etc.).
- Redeem your cash back for statement credits or travel or merchandise.
Just like any other credit card, you have to keep an eye on your statements. To get the most out of your card, be sure to pay your statement balance on time each month to avoid interest. If you accrue interest charges by carrying a balance or other fees you’ll negate the cash back you earn.
