This post is a well-researched topic that reviews some of the Best Business Credit Cards With Cash Back. It is a top business revelation for business owners and entrepreneurs worldwide, and you can take advantage of it and earn massive cash back on every transaction.
Running a business involves managing various business tasks ranging from expenses, office supplies, advertising, travel, utilities, and more. Having a reliable business credit card that offers cash-back rewards not only helps you restructure these costs but also provides tangible financial benefits through regular cash back on every purchase.
Cash-back business credit cards are a simple, transparent way to get value from your spending, turning everyday transactions into savings that can go back into your business.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a solid choice for small business owners seeking a hassle-free cash-back rewards structure. The card offers a flat 2% cash back on the first $50,000 spent annually across all purchases, after which the rate drops to 1%. This card is particularly suitable for businesses with diverse spending categories, as it doesn’t limit rewards to specific purchases. Additionally, the card comes with a valuable introductory 0% APR offer for 12 months, which is useful if your business has upcoming large purchases that need to be paid off over time without incurring interest.
Another unique feature is the “Expanded Buying Power” option, which allows businesses to spend beyond their credit limit when needed, though these amounts need to be paid in full every month.
Capital One Spark Cash Plus
For businesses with higher monthly expenses, the Capital One Spark Cash Plus is one of the best options due to its unlimited 2% cash back on every purchase. With no spending caps and a straightforward rewards structure, it is particularly valuable for businesses that handle a large volume of transactions or significant monthly costs.
Despite its $150 annual fee, the high cash-back rate and unlimited earning potential make it worthwhile for businesses with substantial spending.
The card also offers a sizable sign-up bonus of up to $1,200, which is a generous incentive for new cardholders, although it requires spending $30,000 within the first three months to unlock. Businesses that plan to make large purchases right away can quickly capitalize on this bonus.
Other benefits include no preset spending limit, which provides flexibility for fluctuating business needs, and no foreign transaction fees, making this card an excellent choice for businesses with international operations.
Chase Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® credit card is an excellent choice for business owners who want a simple, no-annual-fee cash-back option. The card offers 1.5% cash back on every purchase, with no limit to the amount of cash back you can earn. This flat-rate cash-back structure makes it a great option for businesses with varied expenses, as there’s no need to keep track of bonus categories or spending caps.
This card also provides an introductory 0% APR for the first 12 months, which can be a lifesaver for businesses planning significant expenses. You can take advantage of this interest-free period to manage cash flow or finance large purchases, knowing you won’t have to worry about interest charges during the first year.
In addition to cash-back rewards, the Chase Ink Business Unlimited® card offers valuable business-related perks such as purchase protection and extended warranty protection.
Bank of America® Business Advantage Customized Cash Rewards Mastercard®
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® stands out due to its flexibility. Cardholders can choose one of several spending categories (such as gas, office supplies, or travel) to earn 3% cash back, making it ideal for businesses that have specific spending needs. In addition, the card offers 2% cash back on dining purchases, which can be a valuable benefit for businesses that entertain clients or staff regularly.
A major advantage is that cardholders can adjust their chosen 3% category as their business needs change. For example, a business that spends heavily on office supplies one quarter might switch to travel rewards in another quarter when team members are attending conferences or meetings. This customizable rewards structure makes the card more adaptable to various types of businesses.
Another standout feature is the potential for even greater rewards through Bank of America’s Preferred Rewards for Business program, which offers up to a 75% rewards bonus for qualifying customers.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is ideal for businesses that spend heavily in specific categories such as gas, office supplies, or telecommunications. With 3% cash back on these expenses, this card can help offset some of the most common business costs.
This card also offers a generous welcome bonus: $500 cash back after spending $4,500 within the first 150 days. In addition to these perks, the card provides a $100 statement credit towards software subscriptions like QuickBooks or other online services, making it even more valuable for businesses that rely on such tools.
Given its no annual fee and practical rewards categories, this card is especially appealing to small businesses looking to maximize value without the burden of extra costs.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is a straightforward option for small to medium-sized businesses. With 1.5% cash back on all purchases and no annual fee, this card is a reliable choice for business owners who want consistent rewards without any hassle. The card’s welcome bonus provides an immediate benefit, allowing new cardholders to choose between $300 cash back or 30,000 points, depending on their preference.
In addition to cash-back rewards, this card offers valuable business management tools, such as the ability to set spending limits on employee cards and detailed reporting on business expenses. With its fraud protection features and online management capabilities, this card offers a balanced combination of rewards and security.
American Express Business Gold Card
Though the American Express Business Gold Card isn’t a traditional cash-back card, its rewards structure can be just as valuable for the right business. This card earns 4X Membership Rewards® points on your top two spending categories each billing cycle (from a list of six categories including travel, shipping, and advertising). Points can be redeemed for cash back, travel rewards, gift cards, and more, offering flexibility for businesses with various needs.
The $295 annual fee may seem steep, but businesses that spend heavily in one or more of the bonus categories can quickly offset this cost through the high rewards rate. Additionally, the card offers a large sign-up bonus, and Amex’s business-focused tools can provide added value through travel benefits, expense management, and other perks.
How to Choose the Right Best Business Credit Cards With Cash Back
When deciding on the best business credit card for cash back, it’s important to consider several factors:
Spending Patterns
Identify where your business spends the most. If your biggest expenses are in office supplies, travel, or gas, a card that offers bonus cash back in those categories can provide significant value.
Annual Fees
Cards with annual fees may offer higher rewards, but if your spending is moderate, a no-annual-fee card may be more cost-effective.
Rewards Flexibility
Some cards offer higher rewards in specific categories, while others provide flat-rate cash back on all purchases. Choose the card that aligns with your business’s needs and spending habits.
Sign-up Bonuses
Many business cards offer generous sign-up bonuses that can give you an immediate cash infusion. Ensure you can meet the required spending thresholds before applying.
Cash-back business credit cards offer an excellent way to reduce costs and increase savings for businesses of all sizes. Similarly, if you are looking for a simple, no-annual-fee option with flat-rate rewards or a card with customizable categories and high bonus rates, there are plenty of options available to suit your business’s unique needs.
