Best Business Cashback Cards – CreditCards.com

Running a business involves many decisions, and one of them is which credit card to use. The Best Cashback Business Credit Cards give you the best cashback in the industry with every purchase, whether you prefer the flexibility of a flat rate cashback card or the rewards associated with a bonus tier cashback card.

Each of the best cashback business cards has its pros and cons, and each one has a slightly different reward structure. For example, some cards offer higher cashback rates in exchange for an annual fee, while other cards exclude the annual fee but limit the amount you can earn in bonus cashback categories. Depending on your business, this is a minor decision on which credit card to get, potentially worth hundreds of dollars or more in rewards.

We have selected the four best cashback credit cards for business and have gone into the pros and cons of each card in detail, as well as our thoughts on which business credit card might be the best option for your business.

American Express Blue Business Cash Card: Best cash back card with no annual fee

Why did we choose this: If you’re looking for a business credit card that provides 2% cash back with no annual fee, the American Express Blue Business Cash™ card is a great option. Many small business owners will be able to take advantage of Amex Blue Business Cash’s high cashback percentage without worrying if their business exceeds $50,000 in credit card spending in one year. If your small business is likely to reach the 2% Amex cashback, you are likely earning and spending at a level that could justify a credit card with an annual fee.

pros:

• Some of the highest flat rate cashback rewards in the industry
• No annual fee
• $250 credit statement after spending $3,000 during the first three months.
• 12 months with zero interest on purchases (from 13.24% to 21.24% after that)

Minuses:

• Cashback 2% up to $50,000 per calendar year, then 1%

Who should apply: If you want high cash rewards with no annual fees, plus 12 months of 0% APR on purchases, consider Amex Blue Business.

Who should miss: The fairly low welcome bonus and fixed annual spending limit on the card may not appeal to those spending more than $50,000 a year.

Capital One Spark Cash Plus: the best card with unlimited cashback

Why did we choose thisA: If you need unlimited 2% cash back, Capital One Spark Cash Plus is your best business credit card option. Yes, you will have to pay an annual fee to take advantage of these cash rewards, but you can offset the cost of future annual fees by earning a Spark Cash welcome bonus of up to $3,000.

pros:

• Unlimited 2% cashback on all eligible purchases
• $500 welcome bonus if you spend $5,000 in the first three months, plus an additional $2,500 if you spend $50,000 in the first six months.
• $200 cash bonus each year you earn $200,000 or more

Minuses:

• Annual fee $150
• It is necessary to fully repay the card balance in each billing cycle.
• A fairly high percentage per annum at the level of 20.99%

Who should applyA: If you want to earn cashback instead of travel points, Spark Cash Plus allows you to bypass spending limits and math usually associated with rewards credit cards.

Who should missA: If you don’t spend a lot of money on business or are looking for a card with a long list of benefits, this card might not be for you.

Ink Business Unlimited Credit Card: Best Unlimited Cashback Card with No Annual Fee

Why did we choose this: We like to call the Ink Business Unlimited® credit card a “set it and forget it” card. What does it mean? If you’re a small business owner who wants 1.5% unlimited flat cash back on all purchases without worrying about annual fees, all you have to do is apply for Ink Business Unlimited. Once your credit card is in place, you won’t have to worry about spending limits, cashback categories, annual fees, or anything other than getting a signup bonus and growing your business. The card also comes with 0% interest on purchases for 12 months.

pros:

• $750 signup bonus after you spend $7,500 in the first three months.
• No annual fees
• 0% initial APR on purchases within 12 months

Minuses:

Who should applyA: If you plan on making large purchases and want to pay for them over time, the $750 sign up bonus and 0% APR initial period will come in very handy.

Who should miss: If you are looking for a lot of rewards, you should probably consider another card.

Ink Business Cash Credit Card: Best Cashback Bonus Card

Why did we choose this: If your small business spends most of its money on the Internet, cable and phone services, or office supplies, the Ink Business Cash® credit card offers a 5% cash back to help you get the most bang for your buck. Plus, you’ll be able to get 2% cash back on gas and meals, which is a great way to justify turning your next business meeting into a business lunch. Throw in a $750 signup bonus and the fact that it has no annual fee and you have one of the best business credit cards with cash back.

pros:

• 5% cashback on internet, cable and phone services, and stationery store purchases up to $25,000 per year.
• 2% cashback on gas and restaurant purchases up to $25,000 per year.
• $750 bonus after you spend $7500 within the first three months.

Minuses:

• Only 1% cash back on purchases not earning bonus tier rewards
• Must have good or excellent credit

Who should applyA: If you have a business that spends a lot on bonus categories, this might be a great choice.

Who should missA: If you travel abroad a lot, the 3% transaction fee may cost you.

Compare the best cashback business cards

Map	Awards	Welcome Bonus	per annum	Annual fee
American Express Blue Business Cash™ Card	2% cashback (on purchases up to $50,000 within a calendar year) 1% cashback on all other purchases	Get a $250 credit after you make $3,000 worth of purchases in the first 3 months.	0% per annum on purchases for 12 months, then from 13.24% to 21.24% (variable).	$0
Capital One Spark Cash Plus	Cashback 2% on all purchases	$500 after you spend $5,000 during the first 3 months; an additional $2,500 if you spend $50,000 within the first 6 months.	N/A (payment card)	$150
Ink Business Unlimited® Credit Card	Cashback 1.5% on all purchases	$750 after spending $7500 in the first 3 months	0% per annum on purchases for 12 months, then from 13.24% to 19.24% (variable).	$0
Credit Card Ink Business Cash®	5% cashback on internet, cable, phone, and stationery stores (up to $25,000 per year) 2% cashback on gas and meals (on purchases up to $25,000 per year) 1% cashback on all other purchases	$750 after spending $7500 in the first 3 months	13.24% to 19.24% variable	$0

How to choose a business credit card for cashback

It can be difficult to choose a business credit card for cash back. Make sure you are looking for these things:

• Low or no annual fee
• Nice welcome bonus
• Category bonuses in which your business spends a lot
• Flat rate card if you don’t spend a lot in traditional business categories

bottom line

Remember, you can have both a business cashback card and a business travel card—and you can always upgrade to one of these premium travel credit cards once your small business is generating enough revenue to justify the annual fee.

Until then, give yourself the opportunity to earn flexible cash rewards by getting one of the best cards for small business owners and learn first hand how the best business credit card can help your business grow.

Nicole Dicker is a freelance writer specializing in personal finance and habit formation. She spent five years as a writer and editor on The Billfold, a personal finance site where people talk candidly about money, and she regularly teaches classes on how to increase your income as a freelancer.