Compare the best cashback business credit cards – October 2019

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

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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

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.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
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Compare cash back business cards

Updated October 24th, 2019
Name Product Welcome offer Rewards Annual fee Filter values
N/A
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
$500 after spending $5,000 in the first 3 months, plus $1,500 after spending $50,000 in the first 6 months
2% cash back on all purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $5,000 in the first 3 months, plus $1,500 after spending $50,000 in the first 6 months.
$200 after spending $3,000 in the first 3 months
1.5% cash back on all purchases
$0
Unlimited 1.5% cash back on every purchase, every day.
N/A
2x points on everyday business purchases on up to $50,000 annually, then 1x points
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
N/A
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.

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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: 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 intro APR period: American Express® Blue Business Cash Card

If you’re looking for the best business credit card with a long intro APR period on balance transfers and purchases, then the American Express® Blue Business Cash Card should be on the top of your list. In addition, you get to earn accelerated cash back on all purchases on up to $50,000 each calendar year, and you can 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.

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.

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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