9 Best Cash Back Business Credit Cards 2019

Cash back business credit cards offer rewards on purchases you make for your business. The best cash back business credit cards offer up to 5% back and benefits like 0% introductory annual percentage rates (APRs). We reviewed dozens of credit cards to find the nine that offer owners the best cash back rewards, top benefits, and lowest fees.

9 Top Cash Back Business Credit Cards 2019

How We Evaluated the Best Cash Back Business Credit Cards

Most cash back reward credit cards pay 1% to 2% cash back on all purchases. The best small business cash back credit cards pay up to 5% cash back on some purchases and may offer additional benefits like 0% introductory APR on purchases and balance transfers. Compare the best offers in the Fit Small Business Marketplace.

In our evaluation of the best business cash back credit cards, we considered:

• Introductory rewards: What you’ll earn for reaching minimum spending requirements within several months of card ownership; cards on this list offer rewards worth $0 to $2,000 on required spending of $0 to $50,000 within the first three to six months
• Ongoing rewards: The cash back you’ll earn by using your business card; cards on our list offer either a flat rate on all spending up to 2% or tiered rewards worth up to 5% on certain bonus categories
• Additional benefits: Free perks that may increase the value of the card like rental car insurance and cellphone protection
• Annual fee: How much it costs to own a card; we found ranges of $0 to $95
• Introductory APR: Whether a card offers 0% APR for initial purchases and balance transfers; some cards on this list offer no introductory APR up to 15 months
• Ongoing APR: How much financing cash back credit cards costs; ongoing APRs range from 13.24% to 23.24%

While many of best cash back business credit cards consider your business credit, most require a personal credit check and a credit score of 670 or higher to qualify. We’ve included two picks for owners with lower scores. Some cards offer instant approval, but you can get a decision from any of them within three to five business days and new cards within seven to 10 business days.

After researching more than one dozen credit cards, we’ve chosen the Capital One Spark Cash card as the overall best cash back business credit card. It offers the highest introductory reward on our list — $2,000 cash back — and offers the highest fixed-rate ongoing rewards of 2% on all spending.

Capital One Spark Cash: Overall Best Cash Back Business Credit Card

The Capital One Spark Cash card is best for firms that can meet the spending requirements to earn the introductory bonus, the highest on our list. The bonus is worth $2,000 when you make $50,000 in purchases within the first six months. Chase Ink Business Preferred^SM offers the second highest bonus, worth $800 cash back. Spark Cash also offers the best fixed-rate rewards — 2% on all spending. Ongoing APR is 19.24%.

Capital One Spark Cash Costs

Financing costs and fees on the Capital One Spark Cash include:

• Introductory APR: None
• Ongoing APR: A variable 19.24%, which adjusts with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

Capital One Spark Cash is one of just three cards on our list to charge an annual fee. Spark Cash charges a $95 annual fee, which is waived the first year, tied with Chase Ink Business Preferred^SM for highest on our list. The ongoing APR is above average, so consider another card like the Bank of America® Business Advantage Cash Rewards Mastercard if you carry a balance.

Capital One Spark Cash Rewards

This card pays 2% cash back on all spending, the highest flat-rate cash back return among the cards on this list. Other cards offer higher returns in bonus category spending like the 5% cash back the Chase Ink Business Cash^SM card pays on office supplies and Internet services. Ink Business Cash fares worse in everyday spending at 1% cash back.

Introductory Rewards

Earn the following introductory cash back rewards when using your card:

• $500 cash bonus when you spend $5,000 in the first three months of account opening
• $1,500 cash bonus when you spend $50,000 in the first six months

Ongoing Rewards

Earn unlimited 2% cash back on all purchases.

The introductory reward is potentially more lucrative than on any other card on our list. However, you’ll have to charge at least $8,333 per month for six months to claim the bonus. If your company doesn’t have enough expenses to meet the spending requirement, consider the Chase Ink Business Cash^SM, which pays $500 cash after you spend $3,000 within your first three months.

Capital One Spark Cash Additional Features

Capital One offers several perks through its Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary — meaning it replaces any coverage your personal insurance might offer — when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days the American Express SimplyCash Plus offers. The Chase Ink Business Preferred^SM offers other perks like cellphone insurance that this card doesn’t offer.

What Capital One Spark Cash Is Missing

Other cards offer better rewards in specific bonus categories like the Chase Ink Business Preferred^SM, which pays three points per dollar on travel, shipping and advertising on search. You’ll earn just 2% cash back on these types of purchases with Capital One Spark Cash, which is great for businesses that spend in a variety of different categories or don’t want to track category spending.

Capital One Spark Cash Reviews

Capital One Spark Cash reviews generally are excellent. Overall, customers love the strong cash back rewards program. Some users indicate they are disappointed that Capital One reports card activity to both personal and business credit bureaus. Some, but not all, issuers only report business card activity to the business credit bureaus.

How to Apply for Capital One Spark Cash

You can apply online for a Capital One Spark Cash business card, and you’ll typically get an immediate decision. Once approved, you’ll get your card in seven to 10 business days.

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Chase Ink Business Cash^SM: Best Cash Back Business Credit Card for Office Supplies

The Chase Ink Business Cash^SM card is best for businesses with big office-related expenses. It pays 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on telecommunications services. Owners receive 0% introductory APR for 12 months. Just one card, the American Express SimplyCash Plus, offers a longer intro period on purchases — 15 months. Ongoing APR is 15.24% to 21.24%.

Chase Ink Business Cash^SM Costs

Financing costs and fees on the Chase Ink Business Cash^SM include:

• Introductory APR: 0% APR for 12 months on purchases and balance transfers
• Ongoing APR: A variable rate of 15.24% to 21.24%, which adjusts with the prime rate
• Annual fee: None
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

Chase Ink Business Cash^SM isn’t a card you should get specifically because you want a long period of interest-free financing on balance transfers. It’s a nice perk to have, but the balance transfer fee is the highest among the cards on our list. American Express SimplyCash Plus charges 3% on transfers.

Chase Ink Business Cash^SM Rewards

This card offers the highest rewards on office supply spending, tied with American Express SimplyCash Plus, which offers 5% cash back at office supply stores on up to $50,000 in annual spending. It also pays bonus cash back on gas station and restaurant purchases. Introductory rewards are excellent for a card that charges no annual fee.

Introductory Rewards

Earn $500 cash back after you spend $3,000 within your first three months. This is the highest introductory bonus on our list from a card that charges no annual fee (tied with Chase Ink Business Unlimited^SM).

Ongoing Rewards

Earn the following cash back rewards when using your card:

• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on Internet, cable, cellular phone, and landline services each account anniversary year, then 1% afterward
• 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward
• 1% cash back on all other purchases

Chase Ink Business Cash^SM Additional Features

If you rent cars frequently for business, you should appreciate the protection this card offers, along with other purchase insurance:

• Auto rental collision damage waiver: Coverage is primary — meaning it replaces any coverage your personal insurance might offer — when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad
• Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less

This is a similar package of benefits as several other cards on this list offer, although the purchase protection lasts longer than the 90 days offered by the Capital One Spark Cash.

What Chase Ink Business Cash^SM Is Missing

Chase offers a solid return on office spending with this card, but businesses that have travel expenses won’t benefit with Chase Ink Business Cash^SM as there are no bonus categories for air travel or hotels, like the Chase Ink Business Preferred^SM offers.

Chase Ink Business Cash^SM Reviews

Chase Ink Business Cash^SM reviews generally are very positive. Users say they value the business-oriented rewards structure and the lack of an annual fee. A small percentage of users say the ongoing APR is too high.

Where to Apply for Chase Ink Business Cash^SM

Apply for the Chase Ink Business Cash^SM online by filling out a basic application. Be prepared to provide both business and personal information. You may be approved instantly. If you are, expect to receive your card in the mail within seven to 10 days.

Apply Now

Chase Ink Business Unlimited^SM: Best Cash Back Business Credit Card With Fixed-rate Rewards and a Big Introductory Bonus

Chase Ink Business Unlimited^SM is ideal for business owners who want to earn fixed-rate rewards and a solid sign-up bonus — without paying an annual fee. It pays 1.5% cash back on all spending $500 cash back after you spend $3,000 in the first three months. That’s $300 more than you’d earn with the Capital One Spark Cash Select, which also pays 1.5% back. Ongoing APR is 15.24% to 21.24%.

Chase Ink Business Unlimited^SM Costs

Financing costs and fees on the Chase Ink Business Unlimited^SM include:

• Introductory APR: 0% for 12 months on purchases and balance transfers
• Ongoing APR: A variable rate of 15.24% to 21.24%, which will adjust with the prime rate
• Annual fee: None
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The balance transfer fee is higher than the 3% charged by the American Express SimplyCash Plus card and will reduce the savings you receive when you transfer a balance from a high-interest card. The length of the introductory APR is longer than the nine months offered by the Capital One Spark Cash Select, which only offers 0% APR on purchases.

Chase Ink Business Unlimited^SM Rewards

Along with fixed-rate ongoing rewards, this card also comes with a great introductory bonus — the highest among cards on our list that charge no annual fee and equal to what the Chase Ink Business Cash^SM offers.

Introductory Rewards

Earn $500 cash back when you spend $3,000 in the first three months.

Ongoing Rewards

Earn unlimited 1.5% cash back on all purchases, regardless of spending category. That’s the best fixed-rate return from a credit card that charges no annual fee on our list, tied with the Capital One Spark Cash Select.

Chase Ink Business Unlimited^SM Additional Features

Chase Ink Business Unlimited^SM offers identical protections that also come with Chase Ink Business Cash^SM:

• Auto rental collision damage waiver: Coverage is primary — meaning it replaces any coverage your personal insurance might offer — when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad
• Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less

Note that the purchase protection benefit lasts longer than the 90 days offered by the Capital One Spark Cash. The rental insurance and extended warranty protection are similar to what other Chase business cards on our list offer, including the Chase Ink Business Cash^SM.

What Chase Ink Business Unlimited^SM Is Missing

Chase Ink Business Unlimited^SM offers great fixed-rate cash back rewards on all spending, but the reward rate is lower than some other cards — especially in certain spending categories — like the Chase Ink Business Cash^SM card, which pays 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on telecommunications services.

Chase Ink Business Unlimited^SM Reviews

Chase Ink Business Unlimited^SM reviews are very good, although not as positive as reviews for the other Chase cards on this list. Customers like the 12-month introductory APR as well as the strong introductory rewards. Some users would like to see a higher fixed-rate return.

How to Apply for Chase Ink Business Unlimited^SM

You can apply for the Chase Ink Business Unlimited^SM business card directly through Chase’s website. Once you apply, you can get an approval decision in just a few minutes. You should receive your card within seven to 10 days.

Apply Now

Capital One Spark Cash Select: Best Cash Back Business Credit Card for Low Spenders

Capital One Spark Cash Select is a no annual fee credit card that pays 1.5% cash back on all spending. It’s best for businesses that spend no more than $19,000 a year on their small business cash back credit cards. That’s the threshold at which you’ll benefit more with the Capital One Spark Cash, which pays 2% but charges a $95 annual fee, waived the first year. Ongoing APR is 15.24% to 23.24%.

Capital One Spark Cash Select Costs

Financing costs and fees on the Capital One Spark Cash Select include:

• Introductory APR: 0% for nine months on purchases
• Ongoing APR: 15.24% to 23.24%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: None
• Foreign transaction fee: None

The introductory 0% APR period is shorter on this card than on others on our list, like the Chase Ink Business Cash^SM (12 months) and the American Express SimplyCash Plus (15 months). It also doesn’t offer an intro APR on balance transfers, although you’ll pay no transfer fee, which is something other cards don’t offer.

Capital One Spark Cash Select Rewards

The real appeal of the Capital One Spark Cash Select is for business owners who want a fixed-rate return and don’t want to pay an annual fee. However, that fee aversion is only worth it if you spend $19,000 or less a year.

Here’s a look at the math:

• Capital One Spark Cash Select: $19,000 in annual spend x 1.5% cash back = $285 in rewards
• Capital One Spark Cash: $19,000 in annual spend x 2% cash back – $95 annual fee = $285 in rewards

Introductory rewards

Earn a $200 cash bonus when you spend $3,000 within the first three months from account opening. That’s a smaller return than the $500 the Chase Ink Business Unlimited^SM pays on the same amount of spending.

Ongoing rewards

Earn 1.5% cash back on all spending with no limits.

The introductory rewards on this card are lower than several other cards on our list that charge no annual fee, including the Ink Business Cash card, which pays $500 cash back after you spend $3,000 within your first three months. However, there are few better no-muss, no-fuss no interest credit cards on the market than the Capital One Spark Cash Select.

Capital One Spark Cash Select Additional Features

Capital One Spark Cash Select offers the following protections:

• Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less

Notice that the length of purchase protection coverage is shorter at 90 days with Capital One than it is with other cards like the Chase Ink Business Cash^SM, which offers purchase protection for up to 120 days. The extended warranty benefit is also less than the two years additional protection the American Express SimplyCash Plus card offers.

What the Capital One Spark Cash Select Is Missing

The biggest drawback for the Capital One Spark Cash Select card is that there are no interest-free balance transfers. If you have a balance on another card that’s accruing interest, you’ll be better off choosing a card like the American Express SimplyCash Plus, which offers 0% APR for 15 months on balance transfers.

Capital One Spark Cash Select Reviews

Capital One Spark Cash Select reviews are typically positive. Users love the introductory interest-free period, as well as the simple rewards program structure. Cardholders unhappy with the card are disappointed that Capital One reports account activity to consumer credit bureaus, which not all business card issuers do.

How to Apply for the Capital One Spark Cash Select

You can apply for the Capital One Spark Cash Select card directly through the Capital One website. This cash back card is one of the easier to apply and qualify for. Visit Capital One for more information on how to apply.

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American Express SimplyCash Plus: Best Cash Back Business Credit Card for Category Rewards

The American Express SimplyCash Plus is best for small businesses that want the flexibility to choose a bonus rewards category. The card pays 3% on up to $50,000 in annual spending, then 1% thereafter from one of eight categories you pick from. No other card on our list allows cardholders to choose their bonus category. Ongoing APR is 14.49% to 21.49%.

American Express SimplyCash Plus Costs

Financing costs and fees on the American Express SimplyCash Plus include:

• Introductory APR: 0% for 15 months on purchases
• Ongoing APR: A variable rate of 14.49% to 21.49%
• Annual fee: None
• Balance transfer fee: Balance transfers are not allowed

Although you will have a credit limit, American Express will allow you to spend past your limit without penalty on this card, which could be helpful for business owners who need some spending flexibility. No other card on our list offers this benefit.

American Express SimplyCash Plus Rewards

American Express SimplyCash Plus offers 5% cash back on office supply spending up to $50,000 a year. That’s tied for the best return with Chase Ink Business Cash^SM and is the highest spending cap. It also offers a generous introductory bonus, but you’ll have to meet a high spending hurdle to earn it.

Introductory Rewards

Earn the following introductory rewards when using your card:

• $250 statement credit after you spend $5,000 in qualifying purchases on your card within the first six months of card membership.
• An additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your card within the first year of card membership.

The sign-up bonus ties for the second highest offer on our list with the Chase Ink Business Cash^SM, but that card has a much lower spending requirement, $3,000 within the first three months of account opening.

Ongoing Rewards

You can choose one of eight categories from which you can earn 3% cash back with this card: Airfare purchased directly from airlines; hotel rooms purchased directly from hotels; car rentals purchased from select car rental companies; U.S. gas stations; U.S. restaurants; U.S. purchases for advertising in select media; U.S. purchases for shipping; or U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

Earn the following cash back rewards when using your card:

• 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers on up to $50,000 in purchases during a calendar year, then 1% thereafter.
• 3% cash back on up to $50,000 in annual spending, then 1% thereafter from one of eight categories from which you choose
• 1% cash back on all other spending

American Express SimplyCash Plus Additional Features

The American Express SimplyCash Plus includes both familiar purchase protection and extended warranty protection policies and some rare benefits not seen on the other best cash back business credit cards.

Enjoy the following additional benefits:

• Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
• Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
• Above-limit purchasing: The card allows you to buy above your credit limit and get cash back on those purchases, too — with no overlimit fees; you must pay the amount above your credit limit in full each month on top of your minimum payment due
• Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance

No other card on our list offers either above-limit purchasing or baggage insurance, the latter of which is typically available on the best business cards for travel rewards.

What American Express SimplyCash Plus Is Missing

While the introductory APR on purchases is about as good an offer as you’ll find, SimplyCash Plus does not have an introductory interest-free offer on balance transfers like the Ink Business Cash Card (12 months), meaning this isn’t a good choice for businesses looking to consolidate debt from other credit cards.

American Express SimplyCash Plus Reviews

American Express SimplyCash Plus reviews are generally positive. Users love its rewards program and its lack of an annual fee. They also enjoy the flexibility this card offers in being able to choose which spending category earns a 3% return. Some users say they don’t like that bonus categories can be changed only once a year.

Where to Apply for American Express SimplyCash Plus

You can apply for the SimplyCash Plus Business Credit Card online. If you are approved, it may be instantly. Cards are shipped to your address within seven to 10 days.

Apply Now

Bank of America® Business Advantage Cash Rewards Mastercard: Best Cash Back Business Credit Card for Earning a Bonus With Little Spending

The Bank of America® Business Advantage Cash Rewards Mastercard is best for owners who want to want to earn a cash back bonus with without spending much money. You’ll earn $200 when you spend just $500 within 60 days. Compare that the Chase Ink Business Cash^SM, which pays $500 cash back after you spend $3,000. Ongoing APR is 13.49% to 23.49%.

Bank of America® Business Advantage Cash Rewards Mastercard Costs

Financing costs and fees on the Bank of America® Business Advantage Cash Rewards Mastercard include:

• Introductory APR: 0% for 9 billing cycles on purchases
• Ongoing APR: A variable rate of 13.49% to 23.49%, which will adjust with the prime rate
• Annual fee: None
• Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater

Bank of America offers no introductory 0% APR offer on balance transfers, and the length of the intro APR on purchases is quite short compared with other cards on this list like the 15 months of 0% APR offered by the American Express Blue Business Plus on purchases and balance transfers. Choose a different card if no-interest financing is important to you.

Bank of America® Business Advantage Cash Rewards Mastercard Rewards

The already good cash back rewards on this card can get even better if you also have a banking relationship with Bank of America. Enroll in the Business Advantage Relationship Rewards program to receive an additional 25% to 75% rewards bonus on every purchase. These tiered-relationship bonuses begin when you have at least $20,000 in assets with the bank.

Introductory Rewards

Earn a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening. That ties the Capital One Spark Cash Select for the lowest introductory offer on our list, but that card requires a much higher $3,000 in spending to earn the bonus.

Ongoing Rewards

Earn the following rewards when using your card:

• 3% cash back on purchases at gas stations and office supply stores, up to $250,000 each calendar year, 1% after that
• 2% cash back on purchases at restaurants
• 1% cash back on all other purchases

If you’re enrolled in Business Advantage Relationship Rewards, you could earn up to 3.75% at gas stations and office supply stores, 2.75% at restaurants, and 1.75% on all other purchases. To earn the maximum rewards bonus, you have to have more than $100,000 on deposit with the bank. No other card on our list offers a relationship bonus.

Bank of America® Business Advantage Cash Rewards Mastercard Additional Features

This card doesn’t come with the same level of benefits you’ll find on other cards on our list. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. It is the only card on our list to offer this protection.

What Bank of America® Business Advantage Cash Rewards Mastercard Is Missing

You’ll find a better rewards rate on office supply spending with other business cards like the American Express SimplyCash Plus (5%), and the introductory bonus is the lowest among the cards on our list that offer a welcome bonus. Although the relationship bonus is a nice touch, new business owners with large cash reserves may favor a premium rewards credit card that offers more benefits.

Bank of America® Business Advantage Cash Rewards Mastercard Reviews

There aren’t many user reviews for this credit card available online, although consumer reviews of Bank of America itself are mixed. Website reviews are generally favorable for this card, both for its rewards structure and its lack of an annual fee.

Where to Apply for Bank of America® Business Advantage Cash Rewards Mastercard

You can apply for the Bank of America® Business Advantage Cash Rewards Mastercard online, and you may receive instant approval. Cards are shipped to your address within seven to 10 days.

Apply Now

Capital One Spark Classic for Business: Best Cash Back Business Credit Card for Owners with Fair Credit

The Capital One Spark Classic for Business is best for small business owners with fair credit — a personal credit score between 580 and 659 — who still want an unsecured cash back credit card. You’ll earn 1% cash back on all purchases — the lowest ongoing rewards rate on our list, and pay 25.24% APR on balances, the highest rate among cards on our list.

Capital One Spark Classic Costs

Financing costs and fees on the Capital One Spark Classic for Business include:

• Introductory APR: None
• Ongoing APR: A variable 25.24%, which will adjust with the prime rate
• Annual fee: None
• Balance transfer fee: None

While this card charges no balance transfer fee, you’ll pay a 25.24% APR on the transferred balance. That’s the highest APR on balance transfers and ongoing APR among the cards on our list. These types of credit cards tend to have higher APRs, reflecting the increased risk of offering credit users with fair credit.

Capital One Spark Classic Rewards

This is one of three cards on our list that offers no introductory rewards, including the American Express SimplyCash Plus and the Wells Fargo Business Secured card, and it also offers the lowest return on everyday spending at 1%.

Introductory Rewards

Capital One Spark Classic does not offer introductory rewards.

Ongoing Rewards

Earn 1% cash back on all purchases with no cap.

Capital One Spark Classic Additional Features

Capital One Spark Classic offers a number of protections against lost or damaged items you purchase with the card. Many, but not all, of the cards on this list offer similar protections. Capital One offers:

• Purchase protection: Capital One will replace, repair or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase
• Extended protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty
• Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One Spark Classic card

As with other Capital One business cards, the purchase protection is shorter than the 120 days offered on other cards like the Chase Ink Business Cash^SM.

What Capital One Spark Classic Is Missing

Capital One Spark Classic is designed for cardholders with fair credit, so the 24.74% APR is understandably high compared with other cards on our list. There’s also no introductory interest-free offer on purchases or balance transfers, and the fixed-rate rewards are fairly low. If your credit is good enough to qualify for other small business credit cards, choose the Capital One Spark Cash Select over Spark Classic.

Capital One Spark Classic Reviews

Capital One Spark Classic for Business reviews show that users are largely satisfied with this card. Some users complain about low credit limits and missing perks. Cardholders say the card’s best feature is the cash back rewards.

Where to Apply for Spark Classic

You can apply for the Capital One Spark Classic for Business online. The application takes minutes, and you can get approved instantly. Once approved, the card typically takes seven to 10 business days to arrive.

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Wells Fargo Business Secured Card: Alternative to the Best Cash Back Business Credit Cards

The Wells Fargo Business Secured Card is best for small business owners with a credit score of 580 or below who want to earn cash back. You’ll earn 1.5% cash back on all purchases, which is the same return as the Capital One Spark Cash Select. You’ll pay a $25 annual fee with the Business Secured Card, and your card limit will be determined by a cash deposit you make. Ongoing APR is 17.40%.

Wells Fargo Business Secured Card Costs

Financing costs and fees on the Wells Fargo Business Secured Card include:

• Credit line: Deposit $500 to $25,000 in a collateral account, which equals the amount of your credit line
• Introductory APR: None
• Ongoing APR: A variable 17.40%, which will adjust with the prime rate
• Annual fee: $25 per card on up to 10 cards maximum.
• Balance transfer fee: Transfers are not allowed

Unlike other cards on this list, your credit line on the Wells Fargo Business Secured Card is determined by a deposit you make into a collateral account. Use this card to improve your credit score, so you can qualify for the best cash back business credit cards, which are all unsecured.

Wells Fargo Business Secured Card Rewards

The Wells Fargo Business Secured Card makes our list because it’s the rare secured credit card that offers ongoing rewards. It’s optional 1.5% cash back on all spending is equaled by the Chase Ink Business Unlimited^SM and the Capital One Spark Cash Select.

Introductory Rewards

The Wells Fargo Business Secured Card offers no sign-up bonus or other introductory rewards. It’s one of three cards on our list that offers no introductory rewards, including the Capital One Spark Classic and the American Express SimplyCash Plus card.

Ongoing Rewards

You can choose to receive rewards from The Wells Fargo Business Secured Card in one of two ways:

• Cash back: Earn 1.5% cash back for every $1 spent on purchases
• Points: Earn 1 point for every $1 spent on net purchases and 1,000 bonus points when your company spends $1,000 in any monthly billing period

Wells Fargo Business Secured Card Additional Features

Under Wells Fargo’s purchase protection program, the issuer will replace, repair or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase. Every other card on our list offers more benefits, including the American Express SimplyCash Plus, which offers extended warranty protection that matches the length of the original manufacturer’s warranty if it’s less than two years.

What the Wells Fargo Business Secured Card Is Missing

Your credit line is established by the amount of collateral you put down, up to $25,000. The other cards on our list are unsecured credit cards, which means your credit line is determined by your credit score, level of debt and other factors. You don’t need to put any money down — outside an annual fee — to get an unsecured card like the Capital One Spark Cash.

Wells Fargo Business Secured Card Reviews

Wells Fargo Business Secured Card reviews are mixed. Business owners say their responsible use of this card has allowed them to improve their personal credit score, sometimes by more than 100 points. Others complain that even when they improved their credit score, the issuer failed to offer them a chance to graduate to an unsecured business credit card.

Where to Apply for the Wells Fargo Business Secured Card

Online applications are taken for the Wells Fargo Business Secured Card only for business owners with an existing relationship with the bank. Others need to apply in person at a branch. When considering your application, Wells Fargo will examine your credit experience and payment history, cash flow and existing credit obligations and your current bank relationship.

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Chase Ink Business Preferred^SM: Best Cash Back Business Credit Card That Earns Points

The Chase Ink Business Preferred^SM card is best for small business owners who travel frequently but still want to earn cash back. Although the card earns 3 points per dollar on travel, that can be converted to cash back. That’s the highest travel return among cards on our list. You’ll also pay a $95 annual fee, which is tops on our list as well. Ongoing APR is 17.99% to 22.99%.

Ink Business Preferred Costs

Financing costs and fees on the Chase Ink Business Preferred^SM include:

• Introductory APR: None
• Ongoing APR: A variable rate of 17.99% to 22.99%, which adjusts with the prime rate
• Annual fee: $95
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The ongoing APR is among the highest on our list, so it’s best to avoid the Chase Ink Business Preferred^SM if you have to carry a balance. Instead, choose the Bank of America® Business Advantage Cash Rewards Mastercard, which charges a variable rate of 13.49% to 23.49%.

Chase Ink Business Preferred^SM Rewards

No other card on our list of best new business credit cards offers better rewards for travel. Chase has a fairly broad definition of travel, too — including car rentals, taxis, and parking garages — which makes this card a particularly useful tool for both local and regional traveling.

Introductory Rewards

Earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening. Convert those points to cash back worth $800.

Ongoing Rewards

Earn the following rewards when using your card:

• 3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year spent in these categories: Travel; shipping; advertising on search engines and social media sites; and on internet, cable and phone services
• 1 point per dollar spent on everything else

Chase Ink Business Preferred^SM Additional Features

As you should expect with a card that charges an annual fee, Chase Ink Business Preferred^SM includes some premium benefits like auto rental insurance, but it also comes with perks other cards on our list don’t offer.

Enjoy the following additional benefits:

• Cellphone protection: You and your employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
• Trip cancellation/delay insurance: If your trip is canceled, you can be compensated up to $5,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

No other card on our list offers either cellphone protection or trip cancellation insurance.

What Chase Ink Business Preferred^SM Is Missing

This card is not a good choice for businesses looking for an interest-free period on purchases transfers since there is no 0% APR like American Express SimplyCash Plus offers. The card also lacks bonus rewards for spending on office supplies like you’ll find on the Chase Ink Business Cash^SM card.

Chase Ink Business Preferred^SM Reviews

Highly regarded as one of the best business cards for both rewards and perks, Chase Ink Business Preferred^SM reviews are very positive. Users say the card is tremendously useful when it comes to their travel spending. Some say its bonus points don’t cover enough categories.

Where to Apply for Chase Ink Business Preferred^SM

You can apply for Chase Ink Business Preferred^SM online, and you may receive instant approval. Cards are shipped to your address within seven to 10 days.

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List of Best Cash Back Business Credit Cards

Card	Rewards
Capital One Spark Cash	$2,000 introductory cash back Unlimited 2% cash back on all purchases
Chase Ink Business CashSM	$500 introductory statement credit 1% - 5% ongoing cash back
Chase Ink Business UnlimitedSM	$500 introductory statement credit 1.5% cash back on all purchases
Capital One Spark Cash Select	$200 introductory statement credit 1.5% cash back on all purchases
American Express SimplyCash Plus	No introductory statement credit 1% - 5% ongoing cash back
Bank of America® Business Advantage Cash Rewards Mastercard	$200 introductory statement credit 1% - 3% ongoing cash back rewards
Capital One Spark Classic for Business	No introductory statement credit 1% cash back on all spending Best for business owners with fair credit
Wells Fargo Business Secured Card	No introductory statement credit 1.5% cash back on all spending Best for business owners with poor credit
Chase Ink Business PreferredSM	80,000 introductory bonus points worth $800 1% - 3% ongoing cash back

The Bottom Line

There are many cash back credit cards out there, but the best cash back business credit cards offer cash back of 2% or better on business spending. Many of these cards have low or no annual fees, long 0% introductory APRs and other rewards that generate significant value for small businesses.

After reviewing dozens of cards, we recommend the Capital One Spark Cash card as the best small business cash back credit card. You’ll earn an introductory bonus of up to $2,000 and 2% cash back on all spending. The annual fee is $95, which is waived the first year.

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