Best Cash Back Business Credit Cards

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.

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 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%.

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.

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).

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.

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.