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.

• Free employee cards
• Shopping and travel protections: Purchase Security, Price Protection, Cell Phone Protection, MasterRental Insurance Coverage, Lost Luggage Reimbursement
• Purchase and Balance Transfer APR: 18.49% Variable
• No foreign transaction fee
• Annual fee: $0 intro for first year; $95 after that

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.

• 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

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%.

• 25% reward bonus: Get a 25% bonus on all rewards earned in the past year, awarded on your account anniversary (up to $250).
• Free employee cards
• Shopping and travel protections: Cell Phone Protection, Purchase Assurance, Car Rental Collision Damage Waiver Insurance, and more
• Purchase APR: 0% for 15 billing cycles, then 11.99%-22.99%* Variable
• Balance Transfer APR: 0% for 15 billing cycles, then 11.99%-22.99%* Variable
• Annual fee: $0*

• Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening.
• 0% Intro APR on purchases for the first 15 billing cycles. After that, a variable APR currently 11.99% – 22.99%.
• 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases.
• 1% cash back on other eligible net purchases.
• No limit on total rewards and they never expire!
• Plus, a 25% Annual Cash Rewards bonus, up to $250.
• No annual fee.*
• Net purchases are purchases minus credits and returns.

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.

• 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 13.74% - 23.74% Variable APR
• Balance Transfer APR: 13.74% - 23.74% Variable APR
• Annual fee: $0.00

• 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.

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).

• 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

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.

• 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: $25

• 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.
• $25 annual fee per card

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.

• 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

• 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market
• 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