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Best cashback business credit cards
Earn big in the business categories you spend on most.
Like personal cashback cards, business cashback cards offer a great opportunity to earn back on your purchases. In the case of business cards, your earning categories are typically tailored for business purchases and high annual spending. Some of these cards also offer a long intro APR period on balance transfers and purchases, or other business perks like employee cards or accounting tools to help you run your business.
Best cashback business credit cards
Best business card for flat cash back: Ink Business Unlimited℠ Credit Card
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
Best business card for intro APR period: American Express Blue Business Cash™ Card
Best business card for a variety of cashback categories: Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Quick look at the best cashback business credit cards
- Ink Business Unlimited℠ Credit Card: Best business card for flat cash back
- Capital One® Spark® Cash for Business: Best business card for large spenders
- American Express Blue Business Cash™ Card: Best business card for intro APR period
- Bank of America® Business Advantage Cash Rewards Mastercard® credit card: Best business card for a variety of cashback categories
How we selected our top cards
We looked at a number of factors when choosing the top cashback business cards, including cashback gained per dollar spent, available cashback categories, welcome offers, intro APR periods and other card perks or benefits a business owner might consider. We chose to highlight the cards that stood out in one or several of these categories or fulfilled a certain niche.
What’s changed in 2020
The continuing strong performance of Chase and Amex cashback cards ensured they kept a spot on our list. However, the strong niches filled by Mastercard and Capital One offerings earned them a spot this year.
Also, the American Express Blue Business Cash™ Card was rebranded and now offers a long intro APR period on balance transfers and purchases, and flat cashback rate on everything you buy.
Another business cashback card
Capital One® Spark® Cash Select for BusinessRead more
How to compare cashback business credit cards
When you look for a cashback credit card for your business, consider the following:
- Does your business spend a lot of money on any particular category? If you find that your business spends a large amount of money in a certain area, such as office supplies or travel, you’ll want a cashback card that offers greater cashback on those purchases. Likewise, if your business spends in a lot of different areas, a flat rate cashback business card might offer the most value.
- How much does your business spend annually? Your annual spending can play a big role in which cashback card is best for you. Some cashback business cards have spending caps on certain categories before they revert to 1% back. Others might reward you for reaching a certain spending threshold in a given year. You can check these caps and any other features related to your spending in the card’s terms and conditions or Schumer Box.
- Does your business need an intro APR period? If you need to make a large number of purchases for your business, an intro purchase APR period could prove useful. This can give your business several months of interest-free time to pay off your balance. And if you already have a large balance on another card, an intro balance transfer APR can let you move that balance over to a new card and save big on interest.
- Is there an annual fee? Higher end cashback credit cards may carry annual fees. These fees can even extend to additional employee cards, depending on the issuer.
How to get the most out of a cashback business credit card
Maximizing the value of your cashback business credit card comes down to planning:
- Apply for a card with the biggest earning rate for your business. Before applying for a business cashback card, examine your business spending and needs. If possible, choose a card with high rewards on where you spend most.
- Meet your caps. If you have a cashback card with spending caps, do your best to maximize that value. That means spending at least up to the cap. If you find that your business spends well beyond that cap, you might want to look for a card with a larger (or no) spending cap.
- Hit your signup bonus. This should be pretty easy on a business card. Make sure you hit the spending requirements for your card’s signup bonus within the allotted time period, which is usually about three months.
- The more cards the merrier. Typically, employee cards are shared across one account and benefit from the same earning rates. Handing out a few employee cards can ensure that most business expenses are leading to cashback where eligible. Just remember that you only get one signup bonus per account.
Compare cashback business cards
Here’s a quick side-by-side look at some of the cashback business cards available.
Nearly every business can benefit from a cashback credit card. To maximize that benefit though, you’ll need to examine your spending and pick the business card that best suits your unique needs. But if you’re interested in more than just cash back, there’s a full suite of business credit cards out there for you to discover.
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