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RATING
2021

Best Cash Back Business Credit Cards

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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.

How We Picked These Cards Is a Cash Back Business Card Right for You?

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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, Amazon Business Prime American Express Card, Amazon Business American Express Card, and Capital One Spark Cash Select - $500 Cash Bonus have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

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:

  • High cash back rates: Why earn 1% when you can earn 3% or 5%?
  • Business management services: The best business cards come with business-specific tools to simplify your finances, making it easier to categorize and analyze your annual spending.
  • Perks: Cash back business cards don’t usually come with the most luxurious perks, like some other business reward cards might; but you can still access useful benefits like the Visa Signature Concierge and Amex Offers.
  • 0% intro APR offers: This one isn’t a big deal, because 0% APR offers on business cards are fairly rare; but if you need some extra time to pay, there are a few cards that can help.
  • A reasonable annual fee: Annual fees don’t scare us away, and they shouldn’t scare you either (especially for businesses with high annual expenses); just make sure the annual fee is worth it, either from the rewards, benefits, or payment terms (or all three).

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.

Is a Cash Back Business Card Right for You?

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:

Best Pick For...

Flat-Rate Cash Back

Capital One Spark Cash for Business

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  • Min. credit levelExcellent
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR20.99% (Variable)
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Rewards

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.

Spending Rewards
  • 2% cash back for all purchases
Introductory Bonus Offer
  • $500 cash bonus for spending $4,500 in the first 3 months
Key Features
  • Free employee cards
  • Shopping and travel protections: Purchase Security, Price Protection, Rental Insurance Coverage, Lost Luggage Reimbursement
  • Purchase and Balance Transfer APR: 20.99% (Variable)
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
Runners Up4

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
Introductory Bonus
  • $250 statement credit for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Lowest Hotel Rates Guarantee; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

American Express Blue Business Cash™ Card (Rates & Fees)

View card details

Ink Business Unlimited® Credit Card

  • 5% cash back on Lyft rides
  • 1.5% cash back for every other purchase
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Shop through Chase and Chase Offers: Earn extra cash back with Shop through Chase or find discounts with Chase Offers.
  • Shopping and travel protections: Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Annual fee: $0
View card details

Capital One Spark Cash Select – $500 Cash Bonus

  • 1.5% cash back for every purchase
  • $500 cash bonus for spending $4,500 in the first 3 months after account opening
  • Shopping and travel protections: Purchase Security, Price Protection, Rental Insurance Coverage, Lost Luggage Reimbursement
  • Purchase APR: 13.24% - 19.24% (Variable)
  • Balance Transfer APR: 13.24% - 19.24% (Variable)
  • No foreign transaction fee
  • No annual fee
View card details

Discover it® Business Card

  • 1.5% cash back for every purchase
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
  • Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
  • Inquiry and new account alerts: Alerts if any new credit inquiries or accounts show up on your Experian credit report
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms
  • No foreign transaction fee
  • No annual fee
View card details

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.

Office Supplies and Internet/Phone Services

Ink Business Cash® Credit Card

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  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.24% - 19.24% Variable
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Rewards

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.

Spending Rewards
  • 5% cash back on Lyft rides
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
Key Features
  • Free employee cards
  • Shop through Chase and Chase Offers: Earn extra cash back at select retailers with Shop through Chase or get discounts with Chase Offers.
  • Shopping and travel protections: Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Annual fee: $0
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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99%–22.99% Variable

Rates & Fees

  • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
  • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • Rewards never expire.
  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
  • 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% – 22.99%.
  • No annual fee.
  • Great Offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
Rewards

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 Triple 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.

Spending Rewards
  • 3% cash back at:
    • Gas stations
    • Office supply stores
    • Cell phone service providers
    • Restaurants
  • 1% cash back on all other eligible purchases
Introductory Bonus
  • $500 cash back after spending $4,500 in the first 150 days
Key Features
  • $100 annual software credit: Get a recurring $100 annual credit for software subscriptions like QuickBooks and FreshBooks.
  • Free employee cards
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–22.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–22.99% Variable
  • Annual fee: $0
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  • Min. credit levelExcellent
  • Annual Fee$0.00
  • Regular APR12.24% - 22.24% Variable APR
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
Rewards

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 Customized Cash Rewards 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.

Spending Rewards
  • 3% cash back in one category of your choice each month:
    • Gas stations
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back at Restaurants
  • 1% cash back on all other purchases
  • Spending limit: 3% and 2% rewards up to $50,000 spent per year, then 1%
Introductory Bonus Offer
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Key Features
  • Preferred Rewards for Business: Get a 25%–75% bonus to all cash back rewards if you have enough money in eligible BofA and Merrill Lynch bank accounts.
  • Free employee cards
  • Cash flow management tools: Simplify behind-the-scenes finances with a host of online services, from automatic payments to QuickBooks integration.
  • Travel and Emergency Services: You’ll get $100,000 in travel insurance and auto rental insurance, emergency ticket replacement, lost luggage assistance, and extended protection.
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
  • Balance Transfer APR: 12.24% - 22.24% Variable APR
  • Annual fee: $0.00
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  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR24.49% Variable
Rewards

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).

Spending Rewards
  • 1% cash back for every purchase
Key Features
  • Free employee cards
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, and more
  • Quarterly and year-end summaries
  • Purchase and Balance Transfer APR: 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0

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.

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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APRPrime + 11.90% Variable
  • Up to 10 cards for you & employees
  • Your choice of a cash back rewards program or a point rewards program
  • More Bonus Points: When you shop online or in person at the Earn More Mall.
  • Card Design Studio: Design your own card.
  • No annual fee
Rewards

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.

Spending Rewards: Choose One Program
  • Cash Back:
    • 1.5% cash back on all purchases
  • Rewards Points:
    • 1X point per dollar on all purchases
    • 1,000 bonus points when your company spends $1,000 or more in a given month
    • 10% point bonus when redeeming online
Key Features
  • Earn More Mall: Earn extra points and find discounts from select retailers (Rewards Points option only).
  • Employee cards: Get up to 10 employee cards at an annual fee of $25 per card.
  • Upgrade to unsecured card: Wells Fargo will periodically check your card activity and recent credit history to see if you qualify for an upgrade to an unsecured card.
  • Security deposit: $500 to $25,000
  • Purchase APR: Prime + 11.90% Variable
  • No foreign transaction fee
  • Annual fee: $0
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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.24%–23.24% Variable
  • 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market (up to $120,000 spent per year)
  • 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
  • Option to take 90 days to pay for Amazon purchases, interest free, instead of earning cash back
  • $125 Amazon gift card upon account approval
  • Amazon Business enhanced data views
  • Discounts at select merchants through Amex Offers
  • Shopping and travel protections
  • No foreign transaction fees
  • No annual fee
Rewards

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.

Spending Rewards
  • 5% cash back (up to $120,000 spent per year) or 90 day payment terms at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
Introductory Bonus Offer
  • $125 Amazon.com gift card upon account approval
Key Features
  • Amex Offers: Earn extra cash back and find discounts with a changing selection of merchants.
  • Free employee cards
  • Shopping and travel protections: Purchase Protection, Extended Warranty, Car Rental Loss and Damage Insurance, Baggage Insurance Plan
  • Purchase APR: 15.24%–23.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
Runner Up1

Amazon Business American Express Card

  • 3% cash back (up to $120,000 spent per year) or 60 day payment terms at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $100 Amazon.com gift card upon account approval
  • Amex Offers: Earn extra cash back and find discounts with a changing selection of merchants.
  • Shopping and travel protections: Purchase Protection, Extended Warranty, Car Rental Loss and Damage Insurance, Baggage Insurance Plan
  • Purchase APR: 15.24%–23.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

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.

What’s the Best Cash Back Business Credit Card?

Our top picks for the best cash back business cards include:

What’s the Best Cash Back Business Card With No Annual Fee?

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:

What’s the Best Cash Back Business Card for Travel?

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.

How Do Cash Back Business Cards Work?

Cash back business cards work pretty much like any other cash back credit card. The process is simple:

  1. Make purchases with the card.
  2. Earn cash back according to the terms (1.5% back on everything, 3% back on gas, etc.).
  3. Redeem your cash back for statement credits or by other means, like for travel or merchandise.

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.

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