Compare the best cashback business credit cards | finder.com

Compare the best cashback business credit cards – May 2019

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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.

Our pick for business cash back

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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Compare cash back business cards

Updated May 20th, 2019
Name Product Rewards Purchase APR Annual Fee
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% 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®
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Earn up to % cash back on business purchases
13.49% to 23.49% variable
$0
$200 statement credit bonus after spending $500 on purchases in the first 60 days of your account opening.
4% on gas, on up to $7,000 annually, then 1%. 2% at restaurants and on travel, 2% at Costco and 1% on all other purchases
17.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted. Enjoy worldwide card acceptance when you shop.

Compare up to 4 providers

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.

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: Spark® Cash from Capital One®

The Spark® Cash from Capital One® 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

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

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 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 2019

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.

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

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.

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