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Your business spends money to make money — but what if you could make a little more? The cash back cards on this page will reward you for all your business expenses, with up to 5% back on certain purchases. Most of them have no annual fee either, giving you an inexpensive and convenient payment solution that can make life quite a bit easier.
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The information related to Capital One Spark Cash for Business, Capital One Spark Classic for Business, American Express Blue Business Cash™ Card, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, Amazon Business Prime American Express Card, Amazon Business American Express Card, and Capital One Spark Cash Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
There aren’t a whole lot of cash back business cards, but our selection includes some great picks that can make a dent (albeit a small one) in your net expenses. We look for cards with:
Want to see a wider selection of excellent business cards, including some that offer points and travel perks instead of cash back? See the Best Business Credit Cards.
Do you want an easy way to separate business from personal expenses? Want to earn a little bit back every time your business spends money? How about expense management services — want a hand organizing and preparing for tax season?
If you find yourself nodding along to any of those questions, a cash back business card might be missing from your life. Just like regular consumer/personal credit cards, business credit cards offer rewards, benefits, and handy tools to give you a birds-eye view of your spending. Many provide insights to help make your business more efficient, like analyzing spending patterns to show when and where employees make purchases.
Business cash back cards work like personal cash back cards. They’re simple: spend money, earn cash back, redeem cash back (usually for statement credits). Rinse and repeat all year long, and you’ll probably accrue a healthy reward balance.
There are also business credit cards that earn points instead of cash back, and these can be just as valuable. See the best business credit cards of all kinds right here.
If you don’t like what you see here, keep in mind that you can use personal cards for your business if you so choose — you just won’t get the business-specific features. This could be a good plan if you’re not spending in typical business categories, or if you’ve got your eye on certain features. You’ll find some great personal cards here that could be the right fit for your company:
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Want a simple, no-frills way to earn cash back for your business spending? The Capital One Spark Cash for Business (Review) makes it easy, with a solid flat-rate reward for everything you buy. And unlike some other business reward cards there’s no cap to how much cash back you can earn, making this a solid option for companies with high monthly expenses.
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The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Different businesses have different kinds of spending. 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/phone services are mainstays of your budget, the Ink Business Cash® Credit Card (Review) 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 a little treat for your employees.
If you find yourself running into the yearly caps, try pairing the Ink Cash with one of the above flat-rate reward cards with no spending limit.
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Spending a lot of time on the road? Whether you’re traveling to meet new clients or customers, visiting project sites, or just 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 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.
Each year after your account anniversary you’ll get a 25% bonus on all the rewards you earned, effectively bumping up your cash back rate to 3.75%.
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The information related to U.S. Bank Business Cash Rewards World Elite™ Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 Cash Rewards Mastercard® credit card (Review) gives you more flexibility to meet the changing needs of your business throughout the year.
You can choose your own 3% category each 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.
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How’s your credit? Not perfect, but not too bad either?
The Capital One Spark Classic for Business (Review) might have your name on it (soon). It’s a unicorn business card, a rare beast that’s 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 (assuming you’re using the card responsibly, of course).
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The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
If your credit scores need some work, that’s alright — there’s a cash back business card for you, too. And it’s actually fairly rewarding, considering it’s a secured card.
The Wells Fargo® Business Secured Credit Card lets you choose either cash back or points. Cash back may be best for companies that want to keep it simple, while points may work better for companies that spend more than $1,000 each month. Plug in your numbers, and see which plan provides more value.
Like most other secured cards, you’ll need to put down a security deposit when you’re approved, and your credit line will be equal to your deposit — from $500 to a max of $25,000. This could be an issue for businesses without a lot of cash on hand, or that need a bigger limit, but this is one of the highest upper limits you’ll find on a secured card for bad credit.
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Small business owners can get just as much out of Amazon as your average consumer, if not more. There’s 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 (Review) 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 (Review).)
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.
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The information related to Amazon Business Prime American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Our top picks for the best cash back business cards include:
This is a tough one to answer because most cash back business cards come with no annual fee. But a few of our favorites are:
Cash back business cards don’t tend to be the best for travel, but you do have some viable options:
If you want a more robust business travel card, with high point multipliers for travel and valuable perks, see the Best Business Credit Cards.
Cash back business cards work pretty much like any other cash back credit card. The process is simple:
Just like any other credit card, you have to keep an eye on your statements, and 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.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.