10 Best Business Cashback Credit Cards
10 Best Business Cashback Credit Cards
Business Cashback Credit Cards are designed to help business earn cashback on their everyday purchases. These cards work similarly to personal owners cashback credit cards but are specifically tailored for business expenses. Business owners can earn a percentage of cashback on qualifying purchases such as office supplies, dining, gas, and other business-related expenses. Many of these cards also offer flexible redemption options, allowing you to apply the cashback as a statement credit, gift cards, or even travel rewards, making them a versatile tool for any business.
The main benefits of Business Cashback Credit Cards include the opportunity to earn cashback on business expenses, which can help reduce overall costs. These cards are especially beneficial for companies with high expenses, as the cashback quickly adds up. Additionally, many cards offer sign-up bonuses and special cashback categories, such as higher cashback rates for dining, travel, or office supplies. Many business cashback cards also come with tools for expense tracking, helping you manage and categorize your purchases more easily. Whether you're a small business owner or part of a larger company, these cards can help you earn valuable rewards while managing your business finances more efficiently. Below is a list of the 10 Best Business Cashback Credit Cards to help you choose the best card for your business needs.< /p>
1.
Chase Ink Business Cash® Credit Card
Cashback on Business Purchases: Earn cashback on a variety of business-related purchases.
Sign-Up Bonus: Offers a one-time cash bonus after meeting the minimum spend within the first three months.
Employee Cards: Add employee cards at no extra cost, and earn cashback on their purchases.
Sign-Up Bonus: Offers a one-time cash bonus after meeting the minimum spend within the first three months.
Employee Cards: Add employee cards at no extra cost, and earn cashback on their purchases.
5% Cash Back on the First $25,000 spent each year on the first $25,000 spent in combined purchases at select business categories, including:
Office Supply Stores
Internet, Cable, and Phone Services
2% Cash Back on the First $25,000 spent annually on combined purchases at gas stations and restaurants.
1% Cash Back on All Other Purchases.
$750 Cash Bonus: Earn a $750 bonus after spending $7,500 on purchases in the first 3 months.
No Annual Fee: There is no annual fee, making it a cost-effective option for small businesses.
Employee Cards at No Additional Cost: Add employee cards and earn cashback on their purchases without paying extra fees.
Flexible Redemption: Cash back can be redeemed for statement credits, gift cards, or travel through Chase Ultimate Rewards®.
Office Supply Stores
Internet, Cable, and Phone Services
2% Cash Back on the First $25,000 spent annually on combined purchases at gas stations and restaurants.
1% Cash Back on All Other Purchases.
$750 Cash Bonus: Earn a $750 bonus after spending $7,500 on purchases in the first 3 months.
No Annual Fee: There is no annual fee, making it a cost-effective option for small businesses.
Employee Cards at No Additional Cost: Add employee cards and earn cashback on their purchases without paying extra fees.
Flexible Redemption: Cash back can be redeemed for statement credits, gift cards, or travel through Chase Ultimate Rewards®.
Chase Ink Business Cash® Credit CardCheck HereChase Ink Business Cash® Credit Card - - Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable, and phone services each anniversary year. Sign-up bonus: $750 after spending $7,500 in the first 3 months.
Pros
Strong Cash Back in Key Business Categories: 5% back on office supplies, internet, cable, and phone services, plus 2% on gas and restaurant purchases, making it a great card for businesses with recurring expenses in these areas.- No Annual Fee: A great advantage for businesses that want to avoid additional fees.
- Generous Sign-Up Bonus: $750 cash bonus after spending $7,500 within the first 3 months is a solid reward for a small business.
- Employee Cards: The ability to add employee cards at no extra cost makes it easier to manage employee spending and earn more rewards.
- Flexible Rewards: Cashback can be used for statement credits, gift cards, or travel bookings, making it a versatile option.
Cons
Bonus Categories Have a Cap: The 5% and 2% cash back categories are limited to $25,000 per year, after which rewards drop to 1%.- Higher APR: The card has a relatively high APR (19.24%–25.24%), so it's not ideal for businesses that carry balances month-to-month.
- Foreign Transaction Fees: The card charges a 3% foreign transaction fee, which is not ideal for businesses that travel internationally.
Key Features
5% Cash Back on the first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services.
2% Cash Back on the first $25,000 spent on combined purchases at gas stations and restaurants.
1% Cash Back on all other purchases.
$750 Sign-Up Bonus (after meeting the $7,500 spend requirement).
No Annual Fee.
Employee Cards at no additional cost.
Foreign Transaction Fee: 3%.
2% Cash Back on the first $25,000 spent on combined purchases at gas stations and restaurants.
1% Cash Back on all other purchases.
$750 Sign-Up Bonus (after meeting the $7,500 spend requirement).
No Annual Fee.
Employee Cards at no additional cost.
Foreign Transaction Fee: 3%.
Why Is Recommended
The Chase Ink Business Cash® Credit Card is recommended for small businesses that spend a significant amount on office supplies, internet/phone services, gas, and dining. The 5% and 2% cashback categories provide excellent value for businesses with recurring expenses in these areas. The card has no annual fee, making it cost-effective, and the $750 sign-up bonus is a great incentive for new cardholders. Additionally, the ability to add employee cards at no extra cost makes it easier to earn rewards on employee spending. The main drawback is the foreign transaction fee, which makes it less ideal for businesses with international operations.
2.
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is a straightforward cashback business credit card designed for business owners who want to earn unlimited 2% cashback on all purchases. It’s ideal for businesses that want a simple, no-hassle rewards program without the need to track spending categories. The card also offers a significant sign-up bonus and additional benefits, such as purchase protections and business tools, making it a solid choice for businesses that value cash rewards.
2% Unlimited Cashback: Earn 2% cashback on every purchase, no matter what you buy, with no categories or spending limits to track.
$500 Sign-Up Bonus: Earn a $500 cash bonus after spending $4,500 on purchases within the first 3 months from account opening.
No Annual Fee for the First Year: For new cardholders, the annual fee of $95 is waived for the first year, which makes it more affordable in the initial phase.
Business Purchase Protections: Includes purchase security, extended warranty, and travel accident insurance.
Employee Cards at No Extra Cost: Add employee cards for free, and all purchases made by employees earn 2% cashback.
Free Employee Cards: You can give employee cards at no additional cost, enabling your team to make purchases while earning cashback for the business.
$500 Sign-Up Bonus: Earn a $500 cash bonus after spending $4,500 on purchases within the first 3 months from account opening.
No Annual Fee for the First Year: For new cardholders, the annual fee of $95 is waived for the first year, which makes it more affordable in the initial phase.
Business Purchase Protections: Includes purchase security, extended warranty, and travel accident insurance.
Employee Cards at No Extra Cost: Add employee cards for free, and all purchases made by employees earn 2% cashback.
Free Employee Cards: You can give employee cards at no additional cost, enabling your team to make purchases while earning cashback for the business.
- Capital One Spark Cash for BusinessCheck Here
Capital One Spark Cash for Business - - Earn 2% cashback on every purchase with no limit. Sign-up bonus: $500 after spending $4,500 in the first 3 months.
Pros
- 2% Cashback on All Purchases: The unlimited 2% cashback rate on all purchases is one of the highest in the business credit card category, making it easy to earn rewards without worrying about category restrictions.
- Sign-Up Bonus: The $500 bonus is relatively easy to earn with a manageable spending requirement.
- No Annual Fee for First Year: The first year without an annual fee makes the card an even better value during the initial period.
- Employee Cards at No Additional Cost: Allow employees to make purchases while contributing to cashback rewards.
- Purchase Protections: Includes key benefits like purchase protection and extended warranties on eligible items.
Cons
- Annual Fee After First Year: After the first year, the card charges a $95 annual fee, which could be a drawback for businesses with lower spending.
- No Bonus Categories: The 2% cashback rate is great, but some businesses may prefer cards with higher rewards for specific spending categories like travel or office supplies.
- High Sign-Up Bonus Spending Requirement: The $4,500 minimum spend in the first 3 months may be challenging for smaller businesses.
Key Features
2% Unlimited Cashback: Earn 2% on every purchase, with no limits or categories.
$500 Sign-Up Bonus: Spend $4,500 in the first 3 months and earn $500.
No Annual Fee First Year: No fee in the first year, then $95 annually.
Purchase Protections: Includes purchase security, extended warranty, and travel protections.
Employee Cards for Free: Get free employee cards, and earn cashback on employee purchases.
$500 Sign-Up Bonus: Spend $4,500 in the first 3 months and earn $500.
No Annual Fee First Year: No fee in the first year, then $95 annually.
Purchase Protections: Includes purchase security, extended warranty, and travel protections.
Employee Cards for Free: Get free employee cards, and earn cashback on employee purchases.
Why Is Recommended
The Capital One Spark Cash for Business is recommended for business owners who want a simple, no-fuss cashback card that earns 2% on every purchase. Its straightforward rewards structure and significant sign-up bonus make it an excellent choice for businesses of all sizes. The ability to earn unlimited cashback with no category restrictions and get employee cards at no extra cost adds to its value. Additionally, the purchase protections provide extra peace of mind for business purchases. While the annual fee kicks in after the first year, the card still offers strong value for businesses with broad spending needs.
3.
American Express Blue Business Cash Card
The American Express Blue Business Cash™ Card is a cashback business credit card designed for small business owners who want to earn rewards on their everyday business purchases. It offers a tiered cashback structure, with higher cashback rates on specific categories like office supplies and wireless purchases, while providing a 1% cashback on other purchases. The card also offers a significant introductory offer, making it a good option for businesses looking to earn rewards without managing rotating categories.
2% Cashback on the First $50,000: Earn 2% cashback on the first $50,000 spent on eligible purchases in select categories each year, including U.S. office supply stores and wireless purchases.
1% Cashback on All Other Purchases: Earn 1% cashback on all other eligible purchases, making it a solid option for everyday business spending.
Introductory Bonus: New cardholders can earn a $250 statement credit after spending $3,000 on purchases within the first 3 months of account opening.
No Annual Fee: The card comes with no annual fee, making it a cost-effective option for businesses of all sizes.
Purchase Protections: Includes extended warranty protection, purchase protection, and fraud protection for eligible purchases.
Employee Cards at No Extra Cost: You can add employee cards at no additional cost, allowing your employees to earn cashback for your business.
1% Cashback on All Other Purchases: Earn 1% cashback on all other eligible purchases, making it a solid option for everyday business spending.
Introductory Bonus: New cardholders can earn a $250 statement credit after spending $3,000 on purchases within the first 3 months of account opening.
No Annual Fee: The card comes with no annual fee, making it a cost-effective option for businesses of all sizes.
Purchase Protections: Includes extended warranty protection, purchase protection, and fraud protection for eligible purchases.
Employee Cards at No Extra Cost: You can add employee cards at no additional cost, allowing your employees to earn cashback for your business.
- American Express Blue Business Cash CardCheck Here
American Express Blue Business Cash Card - - Earn 2% cashback on the first $50,000 spent in combined purchases each year (then 1%). Sign-up bonus: $250 after spending $3,000 in the first 3 months.
Pros
- 2% Cashback on Select Categories: Earn 2% on purchases at U.S. office supply stores and on wireless purchases up to $50,000 annually.
- No Annual Fee: The absence of an annual fee helps keep the card cost-effective.
- Introductory Bonus: The $250 statement credit is easy to earn, providing an extra boost for new cardholders.
- Purchase Protections: Includes valuable protections like extended warranty and fraud protection, which are useful for business purchases.
- Free Employee Cards: Add employee cards at no additional cost, helping your business earn more cashback.
Cons
- 2% Cashback Limit: The 2% cashback is capped at $50,000 in combined purchases annually, after which it drops to 1%.
- Foreign Transaction Fees: The card charges a 2.7% foreign transaction fee, making it less ideal for international purchases.
- Spending Cap for 2% Cashback: The $50,000 cap on 2% cashback may limit rewards for businesses with higher spending in the bonus categories.
Key Features
2% Cashback on the First $50,000: Earn 2% on purchases at U.S. office supply stores and on wireless purchases, up to $50,000 per year.
1% Cashback on Other Purchases: Earn 1% on all other eligible purchases.
$250 Introductory Bonus: Spend $3,000 in the first 3 months to earn $250 in statement credits.
No Annual Fee: No annual fee to worry about.
Employee Cards at No Extra Cost: Add employee cards for free, and earn rewards on employee purchases.
1% Cashback on Other Purchases: Earn 1% on all other eligible purchases.
$250 Introductory Bonus: Spend $3,000 in the first 3 months to earn $250 in statement credits.
No Annual Fee: No annual fee to worry about.
Employee Cards at No Extra Cost: Add employee cards for free, and earn rewards on employee purchases.
Why Is Recommended
The American Express Blue Business Cash™ Card is ideal for small business owners who want a straightforward and flexible cashback card. It offers 2% cashback on key categories, a solid introductory bonus, and no annual fee, making it an excellent option for businesses with moderate to high spending in office supplies or wireless services. The ability to add employee cards at no cost is a valuable feature, especially for businesses with multiple employees making purchases. Although there are foreign transaction fees and a cap on the 2% cashback, the card is still a great choice for businesses looking for simplicity and consistent cashback rewards.
4.
Bank of America® Business Advantage Cash Rewards Mastercard®
- Bank of America® Business Advantage Cash Rewards Mastercard®Check Here
Bank of America® Business Advantage Cash Rewards Mastercard® - - Earn 3% cashback on the category of your choice (gas, office supplies, travel, etc.) and 2% cashback on dining. Sign -up bonus: $300 after spending $3,000 in the first 90 days.
5.
US Bank Business Cash Rewards World Elite™ Mastercard®
- US Bank Business Cash Rewards World Elite™ Mastercard®Check Here
US Bank Business Cash Rewards World Elite™ Mastercard® - - Earn 3% cashback on eligible purchases at gas stations and office supply stores, and 1% on all other purchases. Sign-up bonus: $500 after spending $4,500 in the first 3 months.
6.
Wells Fargo Business Elite Signature Card
- Wells Fargo Business Elite Signature CardCheck Here
Wells Fargo Business Elite Signature Card - - Earn 1.5% unlimited cashback on every purchase. Sign-up bonus: $500 after spending $3,000 in the first 3 months.
7.
Citi® Double Cash Card – Business
- Citi® Double Cash Card – BusinessCheck Here
Citi® Double Cash Card – Business - - Earn 2% cashback on every purchase: 1% when you make a purchase and 1% when you pay it off. Sign-up bonus: $200 after spending $2,000 in the first 3 months.
8.
Chase Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® Credit Card is designed for small business owners who want to earn a flat rate of cash back on every purchase. It offers unlimited 1.5% cash back on all purchases, making it ideal for businesses with diverse spending needs. The card also includes valuable travel and purchase protections, making it a solid all-around business card.
1.5% Cash Back on Every Purchase: Earn unlimited 1.5% cash back on all purchases, making it ideal for businesses with a variety of spending categories.
$900 Sign-Up Bonus: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months.
No Annual Fee: Enjoy the benefits of cash back without paying an annual fee.
0% Introductory APR: 0% introductory APR on purchases for the first 12 months, helping businesses manage cash flow (then a variable APR of 20.49%–25.49%).
Employee Cards at No Additional Cost: Add employee cards to earn rewards on employee purchases with no extra cost.
Purchase Protection: Includes extended warranty protection and purchase protection for eligible items.
$900 Sign-Up Bonus: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months.
No Annual Fee: Enjoy the benefits of cash back without paying an annual fee.
0% Introductory APR: 0% introductory APR on purchases for the first 12 months, helping businesses manage cash flow (then a variable APR of 20.49%–25.49%).
Employee Cards at No Additional Cost: Add employee cards to earn rewards on employee purchases with no extra cost.
Purchase Protection: Includes extended warranty protection and purchase protection for eligible items.
- Chase Ink Business Unlimited® Credit CardCheck Here
Chase Ink Business Unlimited® Credit Card - - Earn 1.5% cashback on every purchase. Sign-up bonus: $750 after spending $7,500 in the first 3 months.
Pros
- Simple Cash Back Structure: Earn 1.5% cash back on all purchases with no category restrictions or rotating categories, making it a great choice for businesses with diverse spending.
- Significant Sign-Up Bonus: The $900 bonus after spending $6,000 is an attractive incentive.
- No Annual Fee: There’s no annual fee to offset with rewards, which is ideal for smaller businesses or those just starting out.
- 0% Intro APR: The introductory 0% APR for the first 12 months is beneficial for businesses looking to finance larger purchases without interest.
- Purchase Protections: Includes protections like extended warranties and purchase protection on eligible purchases.
Cons
- No Bonus Categories: The card offers a flat cash-back rate, but there are no bonus categories like travel or office supplies, which some businesses may find limiting.
- $6,000 Spend Requirement for Bonus: The $6,000 spending requirement within the first 3 months may be challenging for some businesses with low expenses.
Key Features
1.5% cash back on every purchase
$900 sign-up bonus after spending $6,000 in 3 months
No annual fee
0% intro APR on purchases for the first 12 months
Employee cards at no additional cost
Purchase protection benefits
$900 sign-up bonus after spending $6,000 in 3 months
No annual fee
0% intro APR on purchases for the first 12 months
Employee cards at no additional cost
Purchase protection benefits
Why Is Recommended
The Chase Ink Business Unlimited® Credit Card is recommended for businesses that want a simple, no-hassle cash-back card. The 1.5% flat rate on all purchases is straightforward and works well for businesses that don’t want to track rotating categories. The generous sign-up bonus, lack of an annual fee, and 0% introductory APR for the first year make it a strong option for growing businesses. Additionally, the card’s purchase protection benefits provide added value for businesses that make frequent purchases.
9.
BBVA Business Rewards Credit Card
- BBVA Business Rewards Credit CardCheck Here
BBVA Business Rewards Credit Card - - Earn 1.5% cashback on every purchase, with no annual fee. Sign-up bonus: $100 after spending $500 in the first 90 days.
10.
Capital One Spark Cash Select for Business
The Capital One Spark Cash Select for Business is a business credit card designed to offer straightforward cashback rewards on every purchase. It's ideal for small business owners who want a simple, easy-to-manage card to track expenses while earning cashback. The card offers both purchasing power for daily business expenses and features that help businesses stay organized.
Unlimited 1.5% Cashback: Earn 1.5% cashback on every purchase, with no limits or rotating categories.
No Annual Fee: There's no annual fee, which helps keep costs low for small businesses.
Introductory Offer: Get a $500 cash bonus after spending $4,500 in the first 3 months from account opening.
Employee Cards at No Extra Cost: Add employee cards for free and manage all transactions under one account.
Easy Expense Tracking: Online and mobile account management tools to help spending track, view statements, and manage cash flow.
Fraud Protection: $0 fraud liability, meaning you're not responsible for unauthorized purchases.
No Annual Fee: There's no annual fee, which helps keep costs low for small businesses.
Introductory Offer: Get a $500 cash bonus after spending $4,500 in the first 3 months from account opening.
Employee Cards at No Extra Cost: Add employee cards for free and manage all transactions under one account.
Easy Expense Tracking: Online and mobile account management tools to help spending track, view statements, and manage cash flow.
Fraud Protection: $0 fraud liability, meaning you're not responsible for unauthorized purchases.
- Capital One Spark Cash Select for BusinessCheck Here
Capital One Spark Cash Select for Business - - Earn 1.5% cashback on every purchase, with no annual fee. Sign-up bonus: $200 after spending $3,000 in the first 3 months.
Pros
- Simple Cashback Rewards: The 1.5% cashback is straightforward and applies to every purchase, making it easy to earn rewards.
- No Annual Fee: A significant benefit for small businesses looking to avoid additional costs.
- Sign-Up Bonus: The $500 bonus is an attractive incentive for new businesses.
- Employee Cards: Free additional cards for employees, with easy tracking of spending.
- No Foreign Transaction Fees: There are no fees for international purchases, making it a good option for businesses that travel or do business overseas.
Cons
- Limited Rewards: While the 1.5% cashback is good, it's lower compared to some competitors offering higher cashback in specific categories.
- Significant Spend Requirement for Bonus: To earn the $500 bonus, businesses must spend $4,500 within the first 3 months, which could be a high threshold for some.
- No Enhanced Travel Perks: Unlike some other business cards, it doesn't offer advanced travel-related benefits like airport lounge access or travel insurance.
Key Features
1.5% unlimited cashback on every purchase
$500 cash bonus after spending $4,500 in the first 3 months
No annual fee
Free employee cards
No foreign transaction fees
$0 fraud liability protection
Easy expense management tools
$500 cash bonus after spending $4,500 in the first 3 months
No annual fee
Free employee cards
No foreign transaction fees
$0 fraud liability protection
Easy expense management tools
Why Is Recommended
The Capital One Spark Cash Select for Business is ideal for small businesses that want a straightforward, no-fee credit card with a solid cashback rate on all purchases. Its simplicity, combined with the $500 introductory bonus and no foreign transaction fees, makes it particularly useful for businesses that want to earn cash rewards on everyday spending without having to deal with complex rewards structures. Its low-cost nature and employee card benefits also make it attractive for growing businesses.
Conclusion
Business Cashback Credit Cards are a great way to earn rewards on your business spending, which can help lower your expenses over time. Whether you are a small business owner or part of a larger company, there are numerous cards that offer great cashback benefits. For businesses with a significant amount of purchases in specific categories, cards like the Chase Ink Business Cash® and Bank of America® Business Advantage Cash Rewards Mastercard® can maximize rewards with higher cashback rates on certain purchases. Cards such as the Capital One ® Spark® Cash for Business and US Bank Business Cash Rewards World Elite™ Mastercard® offers straightforward cashback on all purchases, making them ideal for businesses with diverse needs. When selecting the best card for your business, consider your spending habits, the cashback categories, and any sign-up bonuses to ensure you maximize the rewards you can earn. With the right business cashback credit card, your company can enjoy savings and rewards every time you make a purchase.