menu
HomeCredit CardBusiness Credit CardsTop 10 Business Cashback Credit Cards

Top 10 Business Cashback Credit Cards

Business cashback credit cards are designed to provide businesses with a way to earn cash rewards on their everyday expenses. By using these cards for routine purchases such as office supplies, travel, and utilities, businesses can earn a percentage of their spending back in the form of cashback.

Advertisement

These cards often come with additional perks that can be highly beneficial for businesses. For instance, they may offer higher cashback rates for specific categories like travel or dining, which can be particularly advantageous for businesses that incur significant expenses in these areas. Additionally, many business cashback credit cards provide other benefits such as expense tracking tools, employee card options, and spending controls, which can aid in better financial management. Some cards also offer introductory bonuses, where a significant amount of cashback can be earned by meeting a spending threshold within the first few months. Annual fees for these cards can vary, but the rewards and benefits often outweigh the costs, making them a valuable tool for optimizing business expenditures.

  • Chase Ink Business Cash® Credit Card
    Chase Ink Business Cash® Credit Card

    Chase Ink Business Cash® Credit Card - Cashback, no annual fee, business expenses rewards.

    View All
  • American Express Blue Business Cash™ Card
    American Express Blue Business Cash™ Card

    American Express Blue Business Cash™ Card - 2% cashback, $0 annual fee, simple business card.

    View All
  • Capital One Spark Cash for Business
    Capital One Spark Cash for Business

    Capital One Spark Cash for Business - Unlimited 2% cash back on all business purchases.

    View All
  • Bank of America® Business Advantage Customized Cash Rewards Mastercard®
    Bank of America® Business Advantage Customized Cash Rewards Mastercard®

    Bank of America® Business Advantage Customized Cash Rewards Mastercard® - Tailored cash rewards, no annual fee, business Mastercard.

    View All
  • U.S. Bank Business Cash Rewards World Elite™ Mastercard®
    U.S. Bank Business Cash Rewards World Elite™ Mastercard®

    U.S. Bank Business Cash Rewards World Elite™ Mastercard® - Earn cash back on business purchases with no annual fee.

    View All
  • Wells Fargo Business Platinum Credit Card
    Wells Fargo Business Platinum Credit Card

    Wells Fargo Business Platinum Credit Card - Flexible reward options, tailored for small businesses.

    View All
  • Discover it® Business Card
    Discover it® Business Card

    Discover it® Business Card - 0% intro APR, cash back, no annual fee.

    View All
  • Capital One Spark Cash Select for Business
    Capital One Spark Cash Select for Business

    Capital One Spark Cash Select for Business - Unlimited 1.5% cash back, no annual fee, business card.

    View All
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
    CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

    CitiBusiness® / AAdvantage® Platinum Select® Mastercard® - Business credit card with travel rewards on American Airlines.

    View All

Top 10 Business Cashback Credit Cards

1.

Chase Ink Business Cash® Credit Card

less
The Chase Ink Business Cash® Credit Card is a valuable tool for small business owners, offering 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. Additionally, it provides 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% on all other purchases. It also features no annual fee and a generous sign-up bonus.

Pros

  • pros No annual fee
  • pros Generous cash back rates
  • pros Intro APR on purchases
  • pros Employee cards free
  • pros Travel and purchase protections.

Cons

  • cons Foreign transaction fees
  • cons High APR after intro period
  • cons Limited redemption options
  • cons Requires good credit
  • cons No luxury perks.
View All

2.

American Express Blue Business Cash™ Card

less
The American Express Blue Business Cash™ Card is a popular business credit card offering 2% cash back on the first $50,000 in eligible purchases annually, then 1% thereafter. It features no annual fee and provides benefits such as expanded buying power, free employee cards, and access to Amex Offers. Additionally, the card comes with valuable protections like purchase protection, extended warranty coverage, and expense management tools, making it a versatile choice for small business owners.

Pros

  • pros 2% cash back on purchases up to $50
  • pros 000 annually
  • pros no annual fee
  • pros expense management tools
  • pros extended warranty
  • pros purchase protection.

Cons

  • cons2.7% foreign transaction fee
  • cons cash back cap at $50
  • cons000
  • cons limited acceptance internationally
  • cons requires good credit
  • cons higher APR.
View All

3.

Capital One Spark Cash for Business

less
The Capital One Spark Cash for Business is a credit card designed for business owners, offering unlimited 2% cash back on all purchases with no categories or restrictions. It features a generous sign-up bonus, no foreign transaction fees, and free employee cards. The card comes with a $0 introductory annual fee for the first year, then $95 thereafter. It's an ideal choice for businesses looking to maximize cash back rewards on everyday expenses.

Pros

  • pros Unlimited 2% cash back on all purchases
  • pros No annual fee for the first year
  • pros No foreign transaction fees
  • pros Free employee cards
  • pros Easy cash back redemption.

Cons

  • cons$95 annual fee after the first year
  • cons Requires excellent credit
  • cons No 0% intro APR
  • cons Limited travel benefits
  • cons Cash back redemption options limited.
View All

4.

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

less
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® is a versatile business credit card offering tailored cash-back rewards. Cardholders earn 3% cash back in a category of their choice, 2% on dining, and 1% on all other purchases. The card provides flexibility with no annual fee, allowing businesses to maximize their rewards based on spending patterns. It also features introductory APR offers and robust security measures, making it an attractive option for small to medium-sized businesses.

Pros

  • pros Customizable rewards categories
  • pros No annual fee
  • pros Intro APR offer
  • pros Enhanced security features
  • pros Online banking integration

Cons

  • consForeign transaction fees
  • cons Limited travel perks
  • cons Requires excellent credit
  • cons Rewards categories may not suit all businesses
  • cons Potential for high APR after intro period
View All

5.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

less
The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is a versatile credit card designed for business owners. It offers 3% cash back on eligible gas station, office supply store, and cell phone/service provider purchases, 1% on other eligible purchases, and a 25% annual bonus based on the previous year’s cash rewards, up to $250. Additional benefits include no annual fee, 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, and World Elite Mastercard perks.

Pros

  • pros 3% cash back on eligible purchases
  • pros No annual fee
  • pros Intro APR on purchases
  • pros No limit on rewards
  • pros World Elite benefits.

Cons

  • consHigh standard APR
  • cons Foreign transaction fees
  • cons Limited reward categories
  • cons Requires good credit
  • cons No travel rewards.
View All

6.

Wells Fargo Business Platinum Credit Card

less
The Wells Fargo Business Platinum Credit Card is designed for small business owners seeking flexible financing options. It offers a competitive APR, no annual fee, and the choice between earning rewards points or cash back on purchases. Cardholders can benefit from expense management tools, zero liability protection, and access to Wells Fargo's online banking services. Additionally, the card provides a welcome bonus after meeting a minimum spending requirement, making it a versatile option for managing business expenses.

Pros

  • pros No annual fee
  • pros Flexible rewards program
  • pros 0% introductory APR
  • pros Customizable employee cards
  • pros Robust fraud protection.

Cons

  • consLimited travel benefits
  • cons High ongoing APR
  • cons Requires excellent credit
  • cons No sign-up bonus
  • cons Limited international acceptance.
View All

7.

Discover it® Business Card

less
The Discover it® Business Card offers small business owners 1.5% cash back on every purchase, with no annual fee. As an added incentive, Discover matches all the cash back earned at the end of the first year. The card also provides free employee cards, robust security features, and flexible redemption options. Additionally, it includes tools for managing and tracking business expenses, making it a convenient choice for entrepreneurs looking to streamline their financial operations.

Pros

  • pros Cashback rewards
  • pros No annual fee
  • pros 0% intro APR
  • pros Free FICO score
  • pros Easy account management.

Cons

  • cons Limited acceptance abroad
  • cons Potential late fees
  • cons Cashback categories may change
  • cons Requires good credit
  • cons No travel rewards.
View All

8.

Capital One Spark Cash Select for Business

less
The Capital One Spark Cash Select for Business is a no-annual-fee credit card designed for small business owners. It offers unlimited 1.5% cash back on every purchase, making it straightforward to earn rewards. Additional benefits include a one-time cash bonus after meeting a minimum spending requirement, free employee cards, fraud coverage, and various business-focused tools. This card is ideal for those seeking simple, consistent rewards without complex category restrictions or annual fees.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros No foreign transaction fees
  • pros Flexible redemption options
  • pros Easy application process.

Cons

  • consNo intro APR on purchases
  • cons Requires good credit
  • cons Limited travel benefits
  • cons Average sign-up bonus
  • cons No bonus categories.
View All

9.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

less
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a business credit card designed to reward frequent American Airlines travelers. Cardholders earn AAdvantage® miles on purchases, with bonus miles for American Airlines expenses, telecommunications, car rentals, and gas stations. Benefits include preferred boarding, free checked bags, 25% savings on in-flight purchases, and no foreign transaction fees. The card also offers travel and purchase protections, making it a valuable tool for business travelers seeking both rewards and convenience.

Pros

  • pros Earn AAdvantage miles on purchases
  • pros First checked bag free on domestic American Airlines flights
  • pros Preferred boarding on American Airlines flights
  • pros 25% savings on inflight food and beverage purchases
  • pros No foreign transaction fees.

Cons

  • consAnnual fee after the first year
  • cons Limited airline-specific rewards
  • cons High APR for balances carried
  • cons Requires good to excellent credit for approval
  • cons Limited redemption options outside of American Airlines.
View All

Similar Topic You Might Be Interested In