Compare the best cashback business credit cards | finder.com

Compare the best cashback business credit cards – September 2018

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Explore options based on your annual spending and the categories that you shop the most.

Depending on your business needs, you can get a decent credit card with either an unlimited flat cashback rate on all purchases or one with a higher cashback rate in specific categories like office supplies or gas. Some of the cards also offer a long intro APR period on balance transfers and purchases, which could prove useful to your business.

Best cashback business credit cards


Best business card for flat cash back: Ink Business Unlimited℠ credit card

Small businesses that want a simple cashback credit card with flat returns on all purchases should consider the Ink Business Unlimited℠ credit card from Chase. You’ll get one of the highest signup bonuses when compared to similar cards, as well as a long intro APR period on purchases and balance transfers.

The card’s main perk is the unlimited cash back that you earn in the form of points. You can combine points with other credit cards from Chase that have the Unlimited Rewards program and redeem them for travel rewards through Chase Ultimate Rewards for 25% more value.


Best business card for large spenders: Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business offers an unlimited flat cash back on all purchases, but it has an annual fee. The flat cash back makes this an ideal card for businesses that don’t spend a lot on a particular category, but have high annual expenses to offset the annual fee and earn more rewards in the long run.


Best business card for office supply purchases: SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express

If you’re looking for the best business credit card for cash back on office supplies from US stores, then the SimplyCash® Plus Business Credit Card from American Express should be on the top of your list. It can be especially beneficial if you spend up to $50,000 per year at US office supply stores or any of the other eight categories that you can choose from. You also get a long intro APR period on balance transfers and purchases. However, one of the best perks this card offers is the ability to buy above your credit limit.


Best business card for earning cash back on the road: Business Advantage Cash Rewards Mastercard® credit card

Business Advantage Cash Rewards Mastercard® by Bank of America
Business Advantage Cash Rewards Mastercard® credit card

Businesses whose employees are often on the road could use a card like the Business Advantage Cash Rewards Mastercard® credit card by Bank of America. It lets you earn high cash back on gas, office supplies and dining. Additionally, you get a long intro APR period on purchases, and you won’t pay an annual fee.

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How to compare cashback business credit cards

When you look for a cashback credit card for your business, consider the following:

Best cashback business credit cards

Compare all business cards

Updated September 21st, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months
$0 annual fee for the first year ($250 thereafter)
This Charge Card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
$0 annual fee for the first year ($175 thereafter)
13.99%, 18.99% or 20.99% variable
0% for the first 9 months (then 13.99%, 18.99% or 20.99% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 13.99% - 20.99% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
17.74% to 24.74% variable
$99
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.49% to 25.49% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening

Compare up to 4 providers

Bottom line

Every business can benefit from a cashback credit card. However, you need to consider which categories you spend the most on and how much money you spend annually. That way, you can select the best credit card for your business.

Frequently asked questions

Kliment Dukovski

"Kliment Dukovski is a writer for finder.com. He specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information that will help you make the right financial decision. When he's not writing about finance-related subjects he writes sci-fi stories."

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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