Best Cash Back Business Credit Cards of June 2023

Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

You can earn huge rewards when you use a cash back business credit card for your monthly business expenses. There are tons of cash back small business credit cards on the market, but not all of them offer generous welcome bonuses, terrific perks, or flexible redemption options.

You don’t need to be a large corporation to qualify for a small business credit card; small-business owners and folks working side gigs (such as Lyft drivers, childcare providers, Instacart shoppers, freelancers, and tutors) are eligible.

These are eight of the current best cash back business credit cards.

Compare the Best Cash-Back Business Credit Cards

Ink Business Cash® Credit Card

4.55/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Rewards

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 purchases.

Ink Business Cash® Credit Card

4.55/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Rewards

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 purchases.


Ink Business Cash® Credit Card

Details


Rewards

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 purchases.


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.24% – 24.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases for the first 12 months

Editor’s Rating

4.55/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Ink Business Unlimited® Credit Card

4.25/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.

Ink Business Unlimited® Credit Card

4.25/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.


Ink Business Unlimited® Credit Card

Details


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.


Intro offer

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.24% – 24.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases for the first 12 months

Editor’s Rating

4.25/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Capital One Capital One Spark Cash Plus

Capital One Spark Cash Plus

3.9/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.

Capital One Capital One Spark Cash Plus

Capital One Spark Cash Plus

3.9/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.


Capital One Spark Cash Plus

Details


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.


Intro offer

$500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

N/A

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Bank of America Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.05/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening


Rewards

Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.

Bank of America Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.05/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening


Rewards

Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.

On Bank of America’s website


Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Details


Rewards

Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.


Intro offer

$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

16.74% – 26.74% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases for the first nine billing cycles

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

American Express Blue Business Cash™ Card

3.2/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

American Express Blue Business Cash™ Card

3.2/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

On American Express’s website


American Express Blue Business Cash™ Card

Details


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.24% – 26.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases for 12 months from account opening

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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

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

4/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.

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

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

4/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.


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

If you’re a small-business owner looking for a no-annual-fee card that earns bonus cash back in popular categories, this card is worth considering. It’s got a very generous welcome bonus and 0% intro APR offer, and comes with helpful World Elite Mastercard benefits. However, if your business doesn’t spend much in the card’s bonus categories, a flat-rate cash back business card might make more sense.

Details


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Recommended Credit

Excellent/Good


Regular Annual Percentage Rate (APR)

18.24% – 27.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases and balance transfers for 15 billing cycles

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Capital One Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit

4.2/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 cash bonus after spending $4,500 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5% cash back on every purchase with no minimums or expiration date.

Capital One Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select for Excellent Credit

4.2/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Intro offer

$500 cash bonus after spending $4,500 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5% cash back on every purchase with no minimums or expiration date.


Capital One Spark Cash Select for Excellent Credit

Details


Rewards

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5% cash back on every purchase with no minimums or expiration date.


Intro offer

$500 cash bonus after spending $4,500 on purchases in the first 3 months from account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

17.99% – 23.99% Variable


Intro Annual Percentage Rate (APR)

N/A

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

3/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Citi Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

3/5

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Read our complete card review


Costco Anywhere Visa® Business Card by Citi

Details


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.24% (Variable)

Editor’s Rating

3/5

Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Best Cash Back Business Cards of 2023

Methodology: How we chose the best cash back business credit cards

The small business credit card scene is wild. Many offers are considerably better than on consumer products in the same genre. And cash back credit cards are aplenty.

We’ve added to this post the absolute best cash back business credit cards based on the following features:

  • Large welcome bonus
  • High return rates
  • Practical (and valuable) ongoing benefits

We’ve thoroughly reviewed and graded neaerly every credit card in existence by category (best cash back cards, best travel rewards credit cards, best no annual fee cards, etc.). Read our credit card reviews hub to see which cards are at the top of their respective food chain.

The best cash back business cards

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Best for earning up to 5% back in business categories

$750 bonus cash back after you spend $6,000 on purchases in the first three 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 purchases.

Best Chase card with unlimited flat-rate cash back

$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening

Earn unlimited 1.5% cash back on every purchase made for your business.

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.

Why you should trust our recommendations

The Insider credit cards division doesn’t decide which credit cards to recommend based on which cards make us money. We truly only recommend credit cards that are worthwhile — and we plainly vilify credit cards  that are subpar or predatory.

Here’s more about how we rate and review credit cards at Insider.

Cash Back Business Credit Card Frequently Asked Questions

Choose a cash-back business card based on details like your spending habits and money goals. If your typical expenses don’t fall into most credit card bonus categories, a card that earns a flat rate of cash back across all purchases is probably the best choice. Or, if there are specific perks and benefits (like employee card benefits, no foreign transaction fees, or travel and purchase protection) that you want, try to find a card that has all the desired attributes. 

Cash back on a business credit card is generally not taxable. Credit card rewards are usually considered rebates on purchases and not income. However, you should always consult with a tax professional about your personal tax situation.

You can use your EIN (employee identification number issued by the IRS) and your Social Security Number (SSN) to apply for a business card. Sole proprietors (such as those selling online, freelancing, or other side gigs) can apply for a business credit card with just their SSN — no EIN necessary.

If you’ve got a for-profit venture, you’re eligible for a small business credit card. That doesn’t mean you’ll be approved, however. If you have a low credit score, you may not qualify for the best small-business credit cards. You might still be eligible for business cards geared toward those with limited or fair credit, such as the Capital One®️ Spark®️ Classic for Business
. And if you have bad credit, you may be eligible for a secured credit card, which can also help you boost your credit score with responsible use.

Technically you can use your business card for personal purchases, but that doesn’t mean it’s a good idea. Keeping business and personal expenses separate makes things easier at tax time, for starters, so making personal purchases on your business credit card can make things more difficult to track. Some credit card issuers also take a dim view of making personal purchases on a business credit card, so it’s best to avoid the practice.

Best Cash-Back Business Card for Earning up to 5% Back

Ink Business Cash® Credit Card

Why the Ink Business Cash card is worth it: The no-annual-fee Ink Business Cash® credit card earns bonus rewards on popular spending categories with flexible redemption options.

Welcome bonus offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening

The Ink Business Cash® credit card is marketed as a cash-back card, but it actually earns Chase Ultimate Rewards points.

Cardholders earn:

  • 5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
  • 2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1x point per dollar) on all other purchases with no cap

The large Ink Business Cash® credit card welcome bonus offer and terrific cash back rewards make it a great choice for your monthly business expenses. Keep in mind your 5x and 2x bonus points are capped after the first $25,000 spent per year in each bonus category, after which you’ll only earn 1 point per dollar. So if your business expenses easily exceed the $25,000 cap, you might want to consider a different cash-back business credit card. 

You can redeem your points for cash directly or as a statement credit, gift card, travel purchases booked through Chase (like airline tickets, hotel accommodations, car rentals, activities, and cruises), and other products and services from third-party merchants.

The Ink Business Cash® credit card offers 0% intro APR on purchases for the first 12 months (then a 18.24% – 24.24% Variable APR). If you plan on spending a large chunk of cash on supplies/technology/equipment, the intro APR offer could help you pay off large expenses over time without incurring high-interest charges.  

Ink Business Cash® credit card cardholders also receive decent purchase and travel protection benefits, such as auto rental insurance, travel and emergency assistance services, purchase protection, and extended warranty protection. Plus, employee cards are free and can be tracked with bookkeeping software and account management tools.

Chase Ink Business Cash credit card review

Best Cash-Back Business Card from Chase with Unlimited Flat-Rate Cash Back

Ink Business Unlimited® Credit Card

Why the Ink Business Unlimited card is worth it: The no-annual-fee Ink Business Unlimited® Credit Card earns unlimited cash back on all purchases (no cap). It comes with a welcome bonus and has a generous 0% intro APR offer on purchases (but not balance transfers). 

Welcome bonus offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening

Like the Ink Business Cash® credit card, the Ink Business Unlimited® Credit Card earns Chase Ultimate Rewards points. The card earns 1.5% cash back (1.5 points per dollar) on all purchases.

There’s a 0% intro APR on purchases for the first 12 months (then a 18.24% – 24.24% Variable APR).

Just like the Ink Business Cash® credit card, you can redeem your points for cash, statement credits, gift cards, travel booked through Chase, and for other products and services from third-party merchants. Your points won’t expire as long as the account is open, employee cards are free, and you’ll get access to tools that can help your small business.

Ink Business Unlimited® Credit Card cardholders also receive benefits like fraud protection, auto rental collision damage waiver, extended warranty protection, travel and emergency assistance services, and purchase protection. However, there is a foreign transaction fee which means it’s not an ideal credit card for travel overseas. 

Chase Ink Business Unlimited credit card review

Best Cash-Back Business Card for Big Spenders

Capital One Spark Cash Plus

Why the Spark Cash Plus is worth it: The Capital One Spark Cash Plus is a great credit card for businesses that need the flexibility of no preset spending limit, for a moderate annual fee. Plus, big spenders can earn an additional yearly bonus. 

Welcome bonus offer: Earn $500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening

You can earn 2% unlimited cash back rewards on every purchase, with no categories to keep track of, and no preset spending limit (spending limit is determined by spending behavior, payment history, credit profile, and other factors) with the Capital One Spark Cash Plus. The card also earns 5% cash back rewards on hotels and rental cars when you use Capital One Travel for your bookings. In addition, you can earn a $200 bonus every year you spend $200,000.

The Capital One Spark Cash Plus has no regular APR because you pay the full balance each month (if you don’t, you’ll be charged a 2.99% monthly late fee). 

The Capital One Spark Cash Plus allows managers to access accounts from multiple devices, track and monitor employee purchases, lock and unlock employee cards, and receive alerts on flagged purchases. Also, employees earn rewards when they use their cards. 

Rewards are redeemable as statement credits, checks, or gift cards. Further, the Capital One Spark Cash Plus has great benefits like no foreign transaction fees, free employee cards, travel and purchase protection***, and payment flexibility.

Capital One Spark Cash Plus card review

Best Cash-Back Business Card for Choosing Your Own Bonus Categories

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Why the Business Advantage Customized Cash Rewards Credit card is worth it: The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is ideal for folks looking for customizable rewards (especially if you’re already a Bank of America Preferred Rewards Member). And it earns a generous welcome bonus, plus a handful of solid perks.

Welcome bonus offer: Earn a $300 statement credit after making $3,000 in purchases in the first 90 days of your account opening

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is unique in that it allows you to choose a 3% cash back bonus category from a list of popular business expenses (gas stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services). Cardholders also earn 2% cash back on dining and 1% back on all other purchases. (3% and 2% cash-back categories are capped at $50,000 per year in spending combined; after that, you’ll earn 1% back).

The good thing about this card is you can change your 3% category once each calendar month, so it’s ideal for businesses with variable expenses. For instance, one month you might have big travel expenses for your business, but the next you might spend a lot upgrading computer equipment — by switching your 3% category to fit your purchases, you can maximize the cash back you earn.

The welcome bonus offer is quite generous for a no-annual-fee card, and you’ll also get a 0% intro APR on purchases for the first nine billing cycles (then a 16.74% – 26.74% Variable APR). 

Your rewards won’t expire as long as your account is active. You can redeem your cash rewards as statement credits, as a direct deposit, or for credit to a qualifying Merrill account. Plus, if you’re a Bank of America Preferred Rewards customer, you can earn up to 75% more rewards (depending on how much you have on deposit/invested with Bank of America or Merrill).

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card comes with additional benefits like cash flow management tools, travel accident insurance, and car rental insurance. The card does have foreign transaction fees, so it’s not a good pick for international purchases.

Bank of America Business Advantage Customized Cash Rewards credit card review

Best Cash-Back Business Card for up to 2% Cash Back on All Purchases

American Express Blue Business Cash™ Card

Why the Blue Business Cash card is worth it: The American Express Blue Business Cash Card earns 2% cash back on the first $50,000 spent per calendar year (then 1% back). It comes with a decent welcome bonus, a good intro APR offer, and a selection of travel and shopping benefits. 

Welcome bonus offer: Earn $250 statement credit after you spend $3,000 in purchases on your card in your first 3 months

You earn 2% cash back on all purchases (up to $50,000) each year – you’ll earn 1% cash back then after – with the American Express Blue Business Cash Card for no annual fee. That’s why this card ranks highly on our list of the best 2% cash back credit cards.

Along with the welcome bonus offer, you can receive 0% intro APR on purchases for 12 months from account opening (then a 18.24% – 26.24% Variable APR). This makes it a great option for businesses looking to pay off larger purchases over multiple billing cycles.  

Your cash back rewards will be automatically credited to your statement. So if you don’t want to redeem your rewards as statement credits, this card isn’t a good fit. Also, if you plan on spending well over $50,000 annually, you should consider a different cash-back business credit card without a spending cap.

The American Express Blue Business Cash Card includes benefits like car rental loss and damage insurance, purchase protection, extended warranty, and access to Amex Offers**. Employee cards can be set up with spending limits (you can do so online or by calling American Express), as well as alerts and management through the American Express App. 

Amex Blue Business Cash card review

Best Cash-Back Business Card with a 0% Intro APR Offer

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

Why the US Bank Business Triple Cash Rewards card is worth it: The $0 annual fee U.S. Bank Business Triple Cash Rewards Card earns unlimited cash back on gas, office supply stores, travel, and cell phone service providers (no cap). Folks also receive a terrific intro APR offer, annual software credit, and solid rewards and perks (including World Elite Mastercard benefits). 

Welcome bonus offer: Earn $500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account

You’ll earn 3% cash back at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants (1% cash back on all other eligible purchases). You’ll also earn 5% cash back on prepaid hotels and car rentals when you use the Rewards Center for your bookings.

The U.S. Bank Business Triple Cash Rewards Card is ideal for businesses that spend big in these bonus categories, and those who would benefit from the decent intro APR offer. You’ll also earn a $100 software credit every year towards subscriptions like FreshBooks or Quickbooks.

The U.S. Bank Business Triple Cash Rewards Card offers 0% intro APR on purchases and balance transfers for 15 billing cycles (then a 18.24% – 27.24% Variable APR). 

The U.S. Bank Business Triple Cash Rewards Card does charge foreign transaction fees, which doesn’t make it ideal for travel overseas. The card also has a high spending requirement before you can unlock the bonus. It’s also important to keep in mind that purchases made by authorized users don’t count towards the minimum spending requirement.

You can redeem rewards as a statement credit or a direct deposit (the minimum to redeem is $25). You can also redeem rewards with Real-Time Rewards which you can then use to cover eligible purchases charged to your card. 

US Bank Business Triple Cash Rewards card review

Best Cash-Back Business Card from Capital One with Unlimited Flat-Rate Cash Back

Capital One Spark Cash Select for Excellent Credit

Why the Capital One Spark Cash Select for Excellent Credit is worth it: The $0 annual fee Capital One Spark Cash Select for Excellent Credit earns folks unlimited cash back on all purchases with no category restrictions. Plus, you’ll earn additional cash rewards on hotels and rental cars booked through Capital One Travel. It’s ideal for business owners with excellent credit looking for a straightforward card with generous cash-back rewards.

Welcome bonus offer: Earn $500 cash bonus after spending $4,500 on purchases in the first 3 months from account opening.

You’ll earn 1.5% unlimited cash-back rewards on all purchases with the Capital One Spark Cash Select for Excellent Credit. You’ll also earn 5% cash back on hotels and rental cars when you book through Capital One Travel. You can redeem rewards as a statement credit, or as either a check or cash. 

The 5% cash back is a decent deal if you already use Capital One Travel for your bookings. Plus, if you’ve got a Capital One miles-earning card, such as the Capital One Venture Rewards Credit Card, you can convert the cash back you earn into Capital One miles at a rate of 1 mile per cent. You can then potentially receive outsized value for your rewards by transferring them to Capital One travel partners such as Air Canada Aeroplan, Turkish Airlines, Wyndham, and more.

The Capital One Spark Cash Select for Excellent Credit has no intro APR offer, just a regular APR rate of 17.99% – 23.99% Variable. So it’s not ideal for folks trying to pay down credit card debt or large purchases over multiple billing cycles. 

The Capital One Spark Cash Select for Excellent Credit gets you roadside assistance, purchase records, $0 fraud liability, extended warranty, and payment flexibility. It doesn’t have a foreign transaction fee, which makes it a good card for intentional travel. Employee cards are free and you can track employee spending and set spending limits, as well as earn rewards on their purchases. You can also lock a misplaced, lost, or stolen card from your Capital One account.

Capital One Spark Cash Select review

Best Cash-Back Business Card for Road Warriors

Costco Anywhere Visa® Business Card by Citi

Why the Costco Anywhere Visa Business credit card is worth it: The Costco Anywhere Visa® Business Card by Citi earns strong rewards rates on gas, EV charging, Costco purchases, travel, and restaurants. This is a great no-annual-fee card for small business owners who spend a lot in these categories, especially gas.

Welcome bonus offer: N/A

If you often spend on travel, gas, EV charging, and at restaurants, you could earn big with the Costco Anywhere Visa® Business Card by Citi. Here’s what you’ll earn: 

  • 4% cash back on eligible gas and EV charging worldwide up to $7,000 annually (1% thereafter)
  • 3% unlimited cash back on restaurants and eligible travel purchases around the globe
  • 2% unlimited cash back on all other Costco and Costco.com purchases
  • 1% on all other purchases

You’ll receive your earned cash back (otherwise known as Costco Cash Rewards) as an annual credit card reward certificate (after your February billing statement closes). You can then redeem your certificate for cash or merchandise at any US Costco warehouse — this could be potentially tricky for folks who don’t live near a physical Costco location — and you can’t redeem rewards as statement credits or travel. 

The Costco Anywhere Visa® Business Card by Citi has a 20.24% (Variable) APR. 

Unfortunately, there is no public welcome offer on this card. But you can apply in person at a Costco warehouse and inquire as to whether there’s any special promotion you’re targeted for. Some members will receive a welcome bonus of sorts.

If your business is looking to benefit from a bonus, or you need a low APR on purchases or balance transfers, the Costco Anywhere Visa® Business Card by Citi isn’t a good fit. Similarly, if your business doesn’t spend big at Costco, or if you want simpler and more flexible redemption options, you should consider a different cash-back business credit card. 

Costco Anywhere Visa® Business Card by Citi cardholders get perks such as extended warranty protection, damage and theft protection, Citi Entertainment, Citi Concierge, and Citi Mobile app. 

Costco Anywhere Visa Business card by Citi review

link