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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.

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.

Best for mid-sized businesses

Ink Business Cash® Credit Card

Finder rating 4.5 / 5 ★★★★★

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Terms apply, see rates & fees
The Ink Business Cash® Credit Card offers a strong 5% back on purchases small- to mid-sized businesses need most, on up to $25,000 each year. This card also comes with a solid signup bonus and an intro APR on purchases for the first 12 months. This gives you some flexibility during growth periods.

Best for flat cash back

Capital One® Spark® Cash for Business

Finder rating 4.4 / 5 ★★★★★

The Capital One® Spark® Cash for Business offers an unlimited flat cash back on all purchases, though 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

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
If you’re looking for one of the best business credit cards with an intro APR period on balance transfers and purchases, then the U.S. Bank Business Cash Rewards World Elite™ Mastercard® should be on the top of your list. In addition, you get to earn accelerated cash back on purchases made at gas stations, office supply stores and cell phone/service providers.

Best business card for a variety of cashback categories

Bank of America® Business Advantage Cash Rewards

Finder rating 4.4 / 5 ★★★★★

If you're looking for flexibility on your accelerated cashback categories, this card is definitely worth considering. Additionally, you get a long intro APR period on purchases, and you won’t pay an annual fee.

How do I choose the best cashback business credit card?

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.

What are the alternatives to a cashback business card?

If you’re interested in earning on your business purchases but want a little more flexibility than cash back, consider a rewards business card. Many reward business cards let you redeem your points on a variety of items, including gift cards or statement credits. If you travel a frequently for work, a business travel card could also prove a valuable choice, letting your earn flights or hotel stays with your purchases.

Compare cashback business cards

Here’s a quick side-by-side look at some of the cashback business cards available.

Name Product Welcome Offer Rewards Annual fee Filter values
Premium Capital on Tap Business Credit Card
$199 cashback when $15,000 spent in the first 3 months
2% cashback on all purchases
$0
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Brex 30 Card
Up to $150,000 worth of credits and offers for business services like Amazon Web Services, Slack, Zoom, Google Ads and more
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Divvy Business Credit Card
N/A
Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
$0
Earns more points per eligible category based on how often you pay your credit card balance.
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Bottom line

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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