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.
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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 CardView AllChase Ink Business Cash® Credit Card - Cashback, no annual fee, business expenses rewards.
American Express Blue Business Cash™ CardView AllAmerican Express Blue Business Cash™ Card - 2% cashback, $0 annual fee, simple business card.
Capital One Spark Cash for BusinessView AllCapital One Spark Cash for Business - Unlimited 2% cash back on all business purchases.
Bank of America® Business Advantage Customized Cash Rewards Mastercard®View AllBank of America® Business Advantage Customized Cash Rewards Mastercard® - Tailored cash rewards, no annual fee, business Mastercard.
U.S. Bank Business Cash Rewards World Elite™ Mastercard®View AllU.S. Bank Business Cash Rewards World Elite™ Mastercard® - Earn cash back on business purchases with no annual fee.
Wells Fargo Business Platinum Credit CardView AllWells Fargo Business Platinum Credit Card - Flexible reward options, tailored for small businesses.
Discover it® Business CardView AllDiscover it® Business Card - 0% intro APR, cash back, no annual fee.
Capital One Spark Cash Select for BusinessView AllCapital One Spark Cash Select for Business - Unlimited 1.5% cash back, no annual fee, business card.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®View AllCitiBusiness® / AAdvantage® Platinum Select® Mastercard® - Business credit card with travel rewards on American Airlines.
Top 10 Business Cashback Credit Cards
1.
Chase Ink Business Cash® Credit Card
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
No annual fee- Generous cash back rates
- Intro APR on purchases
- Employee cards free
- Travel and purchase protections.
Cons
Foreign transaction fees- High APR after intro period
- Limited redemption options
- Requires good credit
- No luxury perks.
2.
American Express Blue Business Cash™ Card
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
- 2% cash back on purchases up to $50
- 000 annually
- no annual fee
- expense management tools
- extended warranty
- purchase protection.
Cons
- 2.7% foreign transaction fee
- cash back cap at $50
- 000
- limited acceptance internationally
- requires good credit
- higher APR.
3.
Capital One Spark Cash for Business
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
- Unlimited 2% cash back on all purchases
-
No annual fee for the first year
-
No foreign transaction fees
-
Free employee cards
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Easy cash back redemption.
Cons
- $95 annual fee after the first year
-
Requires excellent credit
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No 0% intro APR
-
Limited travel benefits
-
Cash back redemption options limited.
4.
Bank of America® Business Advantage Customized Cash Rewards Mastercard®
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
- Customizable rewards categories
- No annual fee
- Intro APR offer
- Enhanced security features
- Online banking integration
Cons
- Foreign transaction fees
- Limited travel perks
- Requires excellent credit
- Rewards categories may not suit all businesses
- Potential for high APR after intro period
5.
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
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
- 3% cash back on eligible purchases
- No annual fee
- Intro APR on purchases
- No limit on rewards
- World Elite benefits.
Cons
- High standard APR
- Foreign transaction fees
- Limited reward categories
- Requires good credit
- No travel rewards.
6.
Wells Fargo Business Platinum Credit Card
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
- No annual fee
-
Flexible rewards program
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0% introductory APR
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Customizable employee cards
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Robust fraud protection.
Cons
- Limited travel benefits
-
High ongoing APR
-
Requires excellent credit
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No sign-up bonus
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Limited international acceptance.
7.
Discover it® Business Card
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
- Cashback rewards
- No annual fee
- 0% intro APR
- Free FICO score
- Easy account management.
Cons
-
Limited acceptance abroad
- Potential late fees
- Cashback categories may change
- Requires good credit
- No travel rewards.
8.
Capital One Spark Cash Select for Business
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
- No annual fee
- Unlimited 1.5% cash back
- No foreign transaction fees
- Flexible redemption options
- Easy application process.
Cons
- No intro APR on purchases
- Requires good credit
- Limited travel benefits
- Average sign-up bonus
- No bonus categories.
9.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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
- Earn AAdvantage miles on purchases
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First checked bag free on domestic American Airlines flights
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Preferred boarding on American Airlines flights
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25% savings on inflight food and beverage purchases
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No foreign transaction fees.
Cons
- Annual fee after the first year
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Limited airline-specific rewards
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High APR for balances carried
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Requires good to excellent credit for approval
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Limited redemption options outside of American Airlines.