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Compare 2% cashback business credit cards

Earn up to $2 back per $100 on your common business expenses.

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The primary benefit of a 2% cashback credit card over a 3% or 5% business card is the steady value it generates. While other cashback cards can generate more value on purchases in select categories, a 2% business card will earn you an accelerated amount on all purchases, all year round.

Complete list of business cards that offer 2% cashback

There are only two 2% cashback business credit cards as of January 2021: the Capital One Spark Cash for Business and the American Express Blue Business Cash. There are a few differences between these cards worth noting, so we’ve broken their features down into a table.

Capital One® Spark® Cash for Business and American Express Blue Business Cash™ Card

Capital One® Spark® Cash for Business
American Express Blue Business Cash™ Card

Other 2% reward business cards

Though there are just two 2% cashback business credit cards, there are other cards that earn the same rewards rate of 2%, except it’s expressed in points or miles. You can redeem these points or miles on a variety of items, such as reward travel, gift cards, merchandise or statement credits. Check out our full business rewards card guide to compare your options.

Compare 2% cashback business cards

Name Product Rewards Purchase APR Annual fee
Brex 30 Card
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
American Express Blue Business Cash™ Card
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.Rates & fees
Costco Anywhere Visa® Business Card
4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn 4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases. All information about this card has been collected independently by Finder.
Bank of America® Business Advantage Cash Rewards
3% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases
0% intro for the first 9 billing cycles (then 12.24% to 22.24% variable)
$0
Earn $300 statement credit after spending $3,000 on purchases in the first 90 days of your account opening.
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How to choose 2% cashback business credit cards

With only two cards to choose from, the card you pick will ultimately come down to the major differences between them and your business spending needs:

  • Spending cap. If you spend more than $50,000 in business expenses each year, the Capital One Spark Cash for Business is going to provide more value since it doesn’t have a spending cap.
  • Signup bonus. Of the two 2% cashback business credit cards, only the Capital One Spark Cash for Business provides a signup bonus. At a $500 offer, this value is higher than average and can provide some nice financial support if you need to invest in your business within the first few months of account opening.
  • Intro APR. If you need to make a large number of business purchases to grow your business and need time to pay it off interest-free, the American Express Blue Business Cash is the pick. It offers a 12-month 0% intro APR on purchases, reverting to 13.24% to 19.24% variable. The Capital One offering, on the other hand, doesn’t offer an intro APR.
  • Annual fee. The Capital One® Spark® Cash for Business will run you $95 annually after the intro year ends, while the American Express Blue Business Cash Card carries no annual fee. Though $95 isn’t hugely expensive, it does cut into your reward earnings.

Should I get a 2% cashback business credit card?

Yes, provided your business doesn’t spend overwhelmingly in a single category, such as travel, office supplies or dining. The 2% cashback rate on these cards is excellent for year-round value on all purchases and is quite rare even among personal cards.

If your business spending heavily skews toward certain categories, however — particularly travel — there are other business card options available that may generate more cash back or rewards for your spending. Compare your business card options to get an idea of what’s available for your business needs.

2% cashback business credit card pairings

If you have space in your wallet for more than one business credit card, you can pick up a complimentary business rewards card to maximize your rewards. The principle is straightforward:

Use a 3% or 5% business rewards card on the eligible spending categories you spend in most each year.
Use your 2% cashback business credit card to earn elevated rewards on all other spending.

With this method, you’re always earning the most cash back or reward points possible on a given purchase.

Bottom line

A 2% cashback business credit card can help you obtain impressive rewards through normal business spending. Before settling on a card, compare other products based on multiple factors, such as annual fees and signup bonuses.

If you’re not sure a 2% cashback business credit card is right for you, compare other business cashback credit cards.

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