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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.
By Brendan Harkness
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.
By Brendan Harkness
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:
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.
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.
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.
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.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Capital One® Spark® Cash for Business, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, Capital One® Spark® Classic for Business, Amazon Business Prime American Express Card, American Express Blue Business Cash™ Card, Capital One Spark Cash Select for Business, Discover it® Business Card, and Amazon Business American Express Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.