The best cash back business credit cards offer rewards on various expense categories that your business spends on the most. When choosing one, consider the fees associated with the card, the introductory and ongoing annual percentage rates (APRs), and the available welcome bonus. It’s also important to look into how you can redeem rewards and whether there are limits to the amount of cash back you can earn.
Here are the best business credit cards for cash back:
- American Express Blue Business CashTM: Best overall cash back business credit card with expanded buying power
- Chase Ink Business Unlimited®: Best for unlimited rewards with flexible redemption options
- U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®: Best for earning up to 5% cash back with 0% APR for 15 months
- Chase Ink Business Cash®: Best for earning 5% cash back on office essentials
- Capital One® Spark® Cash Plus: Best for charge card with unlimited premium cash back and flexible credit limit
- Chase Ink Business PremierSM: Best for earning rewards on large purchases
- PNC Cash Rewards® Visa Signature®: Best for low APR with unlimited 1.5% cash back and no personal credit reporting
- U.S. Bank Business Leverage® Visa Signature® Card: Best for automatic 2% cash back in your top two spending categories
- Bank of America Business Advantage Customized Cash Rewards: Best for earning 3% cash back in your chosen category
- Amazon Business Prime American Express Card: Best for earning premium rewards on Amazon and unlimited cash back on other expenses
- Capital One® Spark® Classic for Business: Best for fair credit with unlimited cash back
Here are alternatives if you either did not qualify for an unsecured business credit card or are looking for a category-specific card:
- Valley Visa® Secured Business Credit Card: Best for secured business credit card for 0% APR period & fixed-rate cash back rewards
- Coast Fuel Card: Best fleet charge card with premium discounts and unlimited 1% cash back on non-fuel purchases
- Emburse Spend Card: Best prepaid card with unlimited 1% cash back and no personal credit check
Overview of the Best Cash Back Business Credit Cards
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and choose up to two additional cards for comparison.
American Express Blue Business CashTM: Best Overall Cash Back Business Credit Card With Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Why we like it: It tops our list of the best cash back credit cards for small businesses because of its generous rewards and ability to let you spend beyond your credit limit when needed. Your rewards will be credited to your statement automatically, giving you instant savings on your expenses.
Rewards:
- 2% cash back on all eligible purchases up to $50,000 per calendar year
- 1% cash back when the $50,000 cap is met
Not only does it not charge annual fees, but it also introduces expanded buying power, which lets you adjust your credit limit based on your usage, payment history, credit record, and financial resources. This feature is one of the reasons why it’s part of our roundup of the best business credit cards for startups.
Chase Ink Business Unlimited®: Best for Unlimited Rewards With Flexible Redemption Options
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Why we like it: The card is a great choice if your business purchases fall into various spend categories. Your rewards never expire, and you can redeem them for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®.
Rewards:
- Unlimited 1.5% cash back rewards on all business-related purchases
- $900 bonus cash back after spending $6,000 on purchases during the first three months after opening an account
If you plan to make a large purchase, you can take advantage of the interest-free financing option for the first 12 months after opening an account. Also, it doesn’t charge an annual fee, which is a great way to save on overall costs. It’s our overall best business credit card for sole proprietors because of its unlimited ongoing rewards and flexible redemption options.
U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®: Best for Earning Up to 5% Cash Back With 0% APR for 15 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner'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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner'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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Why we like it: With this card, you can earn premium rewards on hotels and car rentals and on other expenses like office supplies, phone service providers, gas, and dining expenses. Plus, it offers an introductory 0% APR period on both purchases and balance transfers for the first 15 billing cycles, making it a great option if you plan to make a significant purchase or consolidate your debt from another credit card.
Rewards:
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other net purchases
- $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- $500 bonus cash back after spending $4,500 on eligible purchases within the first 150 days after opening an account
It comes with no annual fee—and with its generous cash back rewards, you’ll save money on your business expenses. It’s one of the reasons why it’s also named our leading business credit card with no annual fee and our overall best fuel business credit card.
Chase Ink Business Cash®: Best for Earning 5% Cash Back on Office Essentials
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Why we like it: This card is a good choice if your recurring expenses include office supplies, internet, cable, and phone services. Similar to the Chase Ink Business Unlimited® card, you can redeem your rewards as cash back, gift cards, merchandise, or travel through Chase Ultimate Rewards®. Your cash rewards don’t expire as long as your account remains open and in good standing.
Rewards:
- 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, then 1% cash back after the cap is met
- 5% total cash back on Lyft rides until March 2025
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% cash back after the cap is met
- 1% cash back on all other purchases
- $900 bonus cash back after spending $6,000 on purchases in the first three months after opening an account
What’s more, it has no annual fee, and you can enjoy a 0% APR period for 12 months on purchases after opening an account. It’s also our top-recommended business credit card for limited liability companies (LLCs)—so if you’re an LLC with volume expenses on office essentials, this card is right for you.
Capital One® Spark® Cash Plus: Best Charge Card With Unlimited Premium Cash Back & Flexible Credit Limit
Capital One® Spark® Cash Plus Card
BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why we like it: If you can pay your balance in full each month and you need a flexible credit limit, then consider this card. It doesn’t have a preset spending limit—your credit limit adjusts based on your spending behavior, payment history, and credit score. It’s also a great choice if you need a high credit limit, making it one of our best high-limit business cards.
Rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 2% cash back on all business-related purchases
- One-time cash bonus of $1,200 after spending $30,000 within the first three months of account opening
- $150 in statement credit after spending at least $150,000 in net purchases by your membership anniversary date
Unlike the other business cards mentioned on this list, this is a charge card—it doesn’t have an APR because your balance is due in full each month. If you fail to pay your balance in full, you’ll be charged a monthly late fee of 2.99%. If you can’t commit to paying your balance in full each billing cycle, it’s best to consider a traditional credit card.
It comes with an annual fee of $150. However, you can offset it by receiving a statement credit of $150 after spending at least $150,000 in net purchases by your membership anniversary date.
Chase Ink Business PremierSM: Best for Earning Rewards on Large Purchases
Ink Business Premier℠ Credit Card
BEST FOR:
Those who frequently make large purchases
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee of $195
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Pros
- Offers premium rewards for new and existing cardholders
- Does not charge foreign transaction fees
- Has the option to pay for qualifying purchases in installments through Flex for Business
Cons
- Does not have interest-free financing option on both purchases and balance transfers
- Charges a high annual fee of $195
- Requires for you to pay in full each month
- Need to make large purchases within a short period of time to qualify for its sign up bonus
- Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
- Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
- Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
- Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
- Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.
Why we like it: This card is a good option if you want to maximize the rewards you earn after making large purchases. You can redeem your points through Chase Ultimate Rewards® and use them to pay for business purchases made on Amazon.com and PayPal, book a business trip, redeem gift cards at over 150 brands, and pay for Apple purchases through the Apple Ultimate Rewards Store.
Rewards:
- 5% cash back on Lyft rides until March 2025
- 2.5% cash back on purchases worth $5,000 or more
- 2% cash back on all other purchases
- $1,000 bonus cash back after spending $10,000 within the first three months after account opening
Note that it comes with an annual fee of $195. While you are required to pay in full, you can still pay for eligible purchases over time through Flex for Business, which offers you the flexibility to pay for eligible purchases over time with interest. These rewards and features are why Chase Ink Business PremierSM is one of our leading credit cards for the self-employed.
PNC Cash Rewards® Visa Signature®: Best for Low APR With Unlimited 1.5% Cash Back & No Personal Credit Reporting
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate cash back rewards
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
Why we like it: This is a great option if you plan to carry a balance, as it comes with the lowest starting APR among all other business credit cards listed here. Your earned points can be redeemed as a statement credit or as a deposit into an eligible PNC business checking or savings account.
Rewards:
- Unlimited 1.5% cash back on all eligible net purchases
- $400 statement credit after making $3,000 in net purchases during the first three months of card membership.
Also, this card is an excellent option if you don’t want your business transactions to affect your personal credit score because it doesn’t report to consumer credit bureaus. It’s one of our top business credit cards that don’t report to personal credit bureaus. It doesn’t charge an annual fee and offers 0% APR on purchases for the first nine billing cycles after account opening, helping you reduce your overall credit cost.
U.S. Bank Business Leverage® Visa Signature® Card: Best for Automatic 2% Cash Back in Your Top Two Spending Categories
U.S. Bank Business Leverage® Visa Signature® Card
BEST FOR:
Expenses that shift from month to month
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large sign-up bonus
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% APR
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large sign-up bonus
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% APR
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Why we like it: If your monthly expenses have varying categories, you’ll benefit from this card because it lets you earn premium rewards on your top two spending categories. There are no caps or limits on the total rewards you can earn, and your top two categories will adjust automatically every month based on your company’s expenses.
Rewards:
- 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center
- 2% cash back in the top two categories where you spend the most each month automatically
- 1% cash back on all other eligible purchases
- $750 bonus after spending $7,500 in eligible purchases within the first 120 days of opening an account
It comes with a low annual fee of $95, which is waived for the first year. Unlike the U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®, it doesn’t offer an interest-free financing period. However, you can pay your large purchases over time through the U.S. Bank ExtendPay® Plan, which allows you to divide the balance into fixed monthly payments with no interest for a small monthly fee.
Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for Earning 3% Cash Back in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why we like it: This card lets you choose which spend category you want to earn premium rewards on, making it ideal for businesses with significant expenses in a particular expense category. Plus, you can change your choice category each month, depending on your preference.
Rewards:
- For the first $50,000 combined expenses per calendar year, earn:
- 3% cash back on the category of your choice—you can choose from gas stations & EV charging stations (default), office supplies, travel, TV, or telecommunication services, computer services, and business consulting services
- 2% cash back on dining
- When the cap is met, earn:
- 1% cash back on all purchases, regardless of spending category
- $300 statement credit after making $3,000 or more in purchases in the first 90 days of card ownership
It charges no annual fee and offers 0% APR on purchases for the first nine billing cycles. You can also earn up to 75% more cash back on all purchases if you have a business checking account with Bank of America and qualify for the Preferred Rewards for Business program. Due to its flexible expense categories, it’s one of our best small business credit cards.
Amazon Business Prime American Express Card: Best for Earning Premium Rewards on Amazon & Unlimited Cash Back on Other Expenses
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why we like it: This card is designed for business owners with an Amazon Prime membership who make frequent purchases from the platform. The good news is, you can change your benefits selection to rewards or terms on future purchases at any time.
Rewards:
- 5% back or 90-day terms on United States purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% back thereafter
- 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers
- 1% back on all other purchases
- $125 Amazon.com gift card upon approval with an eligible Prime membership
This card also offers premium rewards on selected stores and spending categories—and it’s our top choice for the best Amazon business credit cards. While it has no annual fee, you’ll need an Amazon Business Prime membership to qualify. Currently, Amazon Prime business memberships could cost from $69 to $179 per year.
Capital One® Spark® Classic for Business: Best Card for Fair Credit With Unlimited Cash Back
Capital One® Spark® Classic for Business
BEST FOR:
Those with fair credit
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Why we like it: If you have fair or limited credit, this card is your best choice. It’s our top-recommended business credit card for fair credit. It can help you improve your credit score when you make consistent on-time payments, as Capital One reports your transactions to the credit bureaus. Earned cash back can be redeemed as a statement credit, check sent by mail, or gift cards in select merchants.
Rewards:
- 5% cash back on hotels and car rentals booked through Capital One Travel
- Unlimited 1% cash back on all other purchases
While it has no annual fee, it comes with a high APR—so it’s recommended that you pay your balance in full every billing cycle to avoid paying high interest. Since it only requires fair credit, you can get approved immediately, provided you meet all the other requirements. This is the reason why it’s one of our leading instant approval business credit cards.
Alternatives To Cash Back Business Credit Cards
If you did not qualify for the above cards or are looking for a category-specific card for your business, then consider the following alternatives.
Valley Visa® Secured Business Credit Card: Best Secured Business Credit Card for 0% APR Period & Fixed-rate Cash Back Rewards
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Why we like it: This is an ideal secured business credit card if you need a card that can help you build credit, offers a 0% introductory APR, and has fixed-rate cash back rewards. It has a 0% introductory APR on purchases and balance transfers for the first nine billing cycles.
Rewards:
- Unlimited 1% cash back on all purchases
As a secured business credit card, note that you are required to make a security deposit of 110% of your desired credit limit of up to $25,000. Its unique features are what made it one of our best secured business credit cards.
Coast Fuel Card: Best Fleet Charge Card With Premium Discounts and Unlimited 1% Cash Back on Nonfuel Purchases
Capital On Tap Business Credit Card Visa
BEST FOR:
Those who want fixed-rate cash back rewards
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit orgs are not eligible
- Low sign-up bonus with high spending requirement
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit orgs are not eligible
- Low sign-up bonus with high spending requirement
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Why we like it: This is a fleet and fuel card designed for those who spend on gas frequently and do not wish to provide a personal guarantee. It offers a smart platform that will help you manage your expenditures and spending controls, and it provides premium discounts and rewards at gas stations.
Rewards:
- 2 cents off per gallon on all gas stations with no tiers or excluded stores
- 1% cash back on every purchase at merchants other than gas stations, with no tiers and caps on rewards earned
It charges a monthly fee of $2 per user, and balances are due in full each month. Note that Coast does not charge per-gallon administration, per-transaction, electronic payment, or check processing fees. Its smart platform, premium discounts, and rewards are the reasons we included it in our roundups of the best fuel cards for small businesses and leading small business credit cards.
Emburse Spend Card: Best Prepaid Card With Unlimited 1% Cash Back & No Personal Credit Check
Why we like it: If you prefer a business card without requiring a personal credit check, consider the Emburse Spend Card. Keep in mind that since this isn’t a credit card, your transactions won’t affect your personal credit score, nor will it help you build business credit.
Rewards:
- Unlimited 1% cash back on all purchases
To use the card, you need to load it—Emburse allows you to load the card up to a maximum of $100,000, making it an ideal option if you have large purchases. What’s more, it has no annual or monthly fee, and you can request for virtual and physical employee cards at no additional cost. Also, you’ll have access to an expense management system to monitor transactions in real time.
This card is also one of our top business cards for startups and best business cards for bad credit because of its easy approval process and unlimited rewards. Read our Emburse Spend Card review to learn more.
How We Selected the Best Cash Back Business Credit Cards
When choosing the best cash back business credit cards, we first considered the spending categories where you could earn cash back and whether there’s a maximum limit on how much you can earn. We also took into account the annual fees, introductory and ongoing APRs, introductory rewards, and redemption options.
A cash back business credit card allows you to earn cash rewards when making eligible purchases with it. At the end of the billing cycle, your statement shows how much you’ve earned in rewards. For example, if your purchases add up to $5,000 at the end of the billing cycle and your card’s rewards rate is 2%, then your cash reward for the month would be $100.
The cash back will either be applied as a statement credit, directly deposited into your account, or sent to you as a check in the mail. Some cards allow you to use your rewards towards travel, gift cards, or merchandise. Some issuers will allow rewards to accumulate over time, and you can choose when to use them. Be sure to read the fine print to check if your rewards will expire.
Bottom Line
When you’re looking for the best business credit cards for cash back rewards, compare the card’s spending categories with your own everyday expenses. If your expenses vary from month to month, you might benefit more from a fixed-rate card with no spending categories. If you’re interested to see other options, check out our guide to the best small business credit cards.
