10 Best Cash Back Business Credit Cards 2020

On Chase's Secure Website

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Cash^SM is best for businesses with significant 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 on purchases for 12 months, the most prolonged intro period among cards in our list. The ongoing APR is 14.74% to 20.74%.

Chase Ink Business Cash^SM Costs

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The introductory 0% APR on purchases could help you manage cash flow, but you’ll want to make sure to pay off your balance in full before the intro period expires. Other small business credit cards on our list offer better ongoing APRs, including the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

Chase Ink Business Cash^SM Rewards

This cash back business card offers the highest rewards on office supply 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

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

Ongoing Rewards

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% after that
1% cash back on all other purchases

The cash back on office supply purchases is the best on our list.

Chase Ink Business Cash^SM Additional Features

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 US 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 US 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 for Business.

What Chase Ink Business Cash^SM Is Missing

According to Chase Ink Business Cash^SM reviews, 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. Choose the Chase Ink Business Preferred^SM or another similar card if you want to be rewarded for travel spending.

Capital One® Spark® Cash for Business: Best for 2% Cash Back and $2,000 Introductory Bonus

on Capital One® Spark® Cash for Business's secure website.

Capital One® Spark® Cash for Business

Limited Time Offer: Earn up to $2,000 in cash bonuses
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
$0 Fraud Liability if your card is lost or stolen
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

on Capital One® Spark® Cash for Business's secure website.

Capital One® Spark® Cash for Business is best for firms that want to earn 2% cash back on all spending. This type of ongoing rewards is suited for businesses that have a variety of spending needs and don’t want to track category bonuses. The ongoing variable APR is 18.49%, which is among the highest APRs on our list.

Capital One® Spark® Cash for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

Capital One® Spark® Cash for Business 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 for Business Rewards

This card pays 2% cash back on all spending, the highest fixed-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

You’ll earn a $500 cash bonus when you spend $5,000 in the first three months and earn an additional $1,500 bonus when you spend $50,000 in the first six months of your account opening. This is the largest sign-up bonus on our list.

Ongoing Rewards

You’ll earn an unlimited 2% cash back on all purchases. That’s the highest fixed-rate return among the small business credit cards on our list.

Capital One® Spark® Cash for Business Additional Features

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 US 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

Capital One offers several perks through its Visa Signature benefits. Capital One business card reviews show that these benefits are relatively standard, although the length of coverage on purchase protection is less than the 120 days the Chase Ink Business Cash^SM offers. The Chase Ink Business Preferred^SM offers other perks like cellphone insurance that this card doesn’t offer.

What Capital One® Spark® Cash for Business 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 engines and social networks. You’ll earn just 2% cash back on these types of purchases with Capital One® Spark® Cash for Business.

U.S. Bank Business Cash Rewards World Elite^TM MasterCard®: Best for 0% APR on Purchases & Balance Transfers

On US Bank's Secure Website

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

Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening
3% cash back on cellular, gas stations, and office supply store net purchases
1% cash back on other eligible net purchases

No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns
0% Intro APR* on purchases and balance transfers for the first 9 billing cycles. After that variable APR currently 13.74% - 24.74%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	13.74% - 24.74% Variable	$0	Excellent

On US Bank's Secure Website

See Rates and Fees

U.S. Bank ranks among the top business credit card offers for its U.S. Bank Business Cash Rewards World Elite^TM MasterCard®. This card is best for businesses that want a lengthy 0% introductory offer on purchases and balance transfers. It also offers a unique 25% bonus on the prior year’s rewards, up to $250.

U.S. Bank Business Cash Rewards World Elite^TM MasterCard® Costs

Introductory APR: 0% on purchases for the first 15 billing cycles
Ongoing APR: 13.74% to 24.74% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer during the application, whichever is greater

The lowest ongoing APR is a quarter percentage point lower than what the Bank of America® Business Advantage Cash Rewards Mastercard® charges. No other card offers a combined introductory 0% APR period on purchases and balance transfers better than this U.S. Bank business credit card.

U.S. Bank Business Cash Rewards World Elite^TM MasterCard® Rewards

The U.S. Bank Business Cash Rewards World Elite^TM MasterCard® offers ongoing cash back on your spending, including bonus rewards for cellular, gas, and office supply purchases, and a 25% annual bonus based on your prior year’s cash rewards. The introductory offer is worth $500.

Introductory Rewards

You’ll earn $500 cash back after you spend $4,500 during the first 150 days. Chase Ink Business Cash^SM offers a similar offer, although with a lower spending requirement over fewer days. With that card, you can earn a $500 cash back bonus after you spend $3,000 in the first three months.

Ongoing Rewards

3% cash back on cellphone purchases and service
3% cash back on gas purchases up to $200 per single purchase
3% cash back at office supply stores
1% cash back on all other eligible purchases

The cellphone bonus is unique among cash back small business credit cards. The rewards on office supply spending are lower than the 5% offered by Chase Ink Business Cash^SM.

U.S. Bank also offers a unique annual bonus equal to 25% of your prior year’s cash rewards, up to a maximum of $250. No other small business cash back credit card offers an ongoing annual bonus.

U.S. Bank Business Cash Rewards World Elite^TM MasterCard® Additional Features

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.

According to U.S. Bank business card reviews, this card includes similar restrictions on both its purchase assurance and extended warranty protections as the Capital One® Spark® Cash Select for Business. Those protections aren’t quite as robust as cards like Chase Ink Business Unlimited^SM offer.

What the U.S. Bank Business Cash Rewards World Elite^TM MasterCard® Is Missing

The U.S. Bank Business Cash Rewards World Elite^TM MasterCard® offers both lower introductory and ongoing rewards than some other cash back rewards business credit cards. The Chase Ink Business Cash^SM card, for example, offers introductory rewards worth $500 and ongoing rewards of up to 5% on some spending categories.

Chase Ink Business Unlimited^SM: Best for a $500 Sign-up Bonus and No Annual Fee

On Chase's Secure Website

Ink Business Unlimited℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases

Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Unlimited^SM is best 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 and $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 for Business, which also pays 1.5% back. Ongoing APR starts at 14.74%.

Chase Ink Business Unlimited^SM Costs

Introductory APR: 0% for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

This card used to offer 0% APR for 12 months on balance transfers, but Chase removed that benefit earlier this year. If you need to transfer a balance, consider our top pick for the best 0% APR business credit card, the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

Chase Ink Business Unlimited^SM Rewards

Along with 1.5% fixed-rate ongoing rewards, this card also comes with a great introductory bonus of $500 cash back.

Introductory Rewards

You’ll earn $500 cash back when you spend $3,000 in the first three months. That’s the highest return among cards on our list that charge no annual fee and equal to what the Chase Ink Business Cash^SM offers.

Ongoing Rewards

You’ll earn an 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 for Business.

Chase Ink Business Unlimited^SM Additional Features

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 US 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 US 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 Capital One® Spark® Cash for Business offers. 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 reviews show that this card offers great fixed-rate cash back rewards on all spending. The rewards rate is lower than some other cards, especially in certain spending categories. For instance, the Chase Ink Business Cash^SM card pays 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on telecommunications services.

American Express Blue Business Cash^TM Card: Best for 2% Cash Back & No Annual Fee

on American Express® Blue Business Cash Card's secure website.

American Express® Blue Business Cash Card

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.

0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

on American Express® Blue Business Cash Card's secure website.

See Rates and Fees

The American Express Blue Business Cash^TM Card is best for businesses that want to earn 2% cash back on all purchases up to $50,000 annually—without paying an annual fee. Capital One® Spark® Cash for Business also pays 2% back on all spending, but it charges a $95 annual fee, waived the first year. The ongoing APR is as low as 14.74%.

American Express Blue Business Cash^TM Card Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

The introductory APR offer isn’t quite as good as what the U.S. Bank Business Cash Rewards World Elite^TM Mastercard® offers. You’ll get 0% financing for 15 months on purchases and balance transfers with that card.

American Express Blue Business Cash^TM Card Rewards

The American Express Blue Business Cash^TM Card offers excellent ongoing fixed-rate rewards usually seen on business credit cards that charge an annual fee. But, unlike those cards, this American Express card sets a cap at $50,000 in annual spending at which you’ll earn the top reward.

Introductory Rewards

American Express doesn’t offer introductory rewards on this card. Most cards on our list of the best cash back business credit cards offer a sign-up bonus after you meet a spending requirement. This card falls lower on our list because it doesn’t offer introductory rewards.

Ongoing Rewards

2% cash back on all purchases up to $50,000 each year
1% cash back on all additional purchases

The Capital One® Spark® Cash for Business also offers 2% cash back, but it has no rewards cap. However, you’ll have to pay a $95 annual fee, waived the first year.

American Express Blue Business Cash^TM Card Additional Features

Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than one year. American Express provides an additional one year if the original manufacturer’s warranty is between one 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.
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 personal insurance.

The extended warranty protection is similar to what Chase Ink Business Cash^SM offers, although Chase only offers coverage extensions on warranties of three years or less.

What the American Express Blue Business Cash^TM Card Is Missing

This card ranks lower on our list because it offers no introductory rewards. That’s a real drawback, especially when other cards that charge no annual fee offer sign-up bonuses worth up to $500 cash back. American Express business card reviews suggest that you’ll also want to avoid this card when traveling outside the US, not only because you’ll pay foreign transaction fees, but because American Express isn’t as widely accepted as Visa or Mastercard.

Capital One® Spark® Cash Select for Business: Best for Low Spenders

on Capital One® Spark® Cash Select for Business's secure website.

Capital One® Spark® Cash Select for Business

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that

No annual fee
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
$0 Fraud Liability if your card is lost or stolen
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.49% - 22.49% (Variable)	$0	Excellent, Good

on Capital One® Spark® Cash Select for Business's secure website.

Capital One® Spark® Cash Select for Business is 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 for Business. This card pays 2% cash back on purchases but also charges a $95 annual fee which is waived the first year. The ongoing APR on this card is a variable 14.49% to 22.49%.

Capital One® Spark® Cash Select for Business Costs

Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.49% to 22.49% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer 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 at 12 months. Like other cards on this list, this Capital One card doesn’t offer an intro APR on balance transfers, although you’ll pay no transfer fee. All other cards charge between 3% and 5% per transfer.

Capital One® Spark® Cash Select for Business Rewards

The real appeal of the Capital One® Spark® Cash Select for Business 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 for Business: $19,000 in annual spend x 1.5% cash back = $285 in rewards
Capital One® Spark® Cash for Business: $19,000 in annual spend x 2% cash back – $95 annual fee = $285 in rewards

Introductory Rewards

You’ll 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

You’ll earn 1.5% cash back on all spending with no limits. That’s identical to what you’ll earn with Chase Ink Business Unlimited^SM. Fixed-rate rewards is ideal for businesses looking to save on expenses without fussing around with spending categories.

Capital One® Spark® Cash Select for Business Additional Features

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 US manufacturer’s warranty by up to one year on eligible warranties of three years or less

The length of purchase protection coverage is shorter at 90 days with Capital One than it is with other cards. Chase Ink Business Cash^SM offers purchase protection for up to 120 days. That’s 30 days longer businesses can claim reimbursements and repairs.

What Capital One® Spark® Cash Select for Business Is Missing

Capital One® Spark® Cash Select for Business pays 1.5% cash back on all spending. That’s lower than the 2% the Capital One® Spark® Cash for Business pays, a card that carries a $95 annual fee, waived the first year. According to Capital One business card reviews, this card is best for you only if your business puts less than $19,000 annually on your small business credit card.

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Gas Rewards

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

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

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	13.74% - 23.74% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

The Bank of America® Business Advantage Cash Rewards Mastercard® is best for businesses with large gasoline expenses. It pays 3% cash back on gas purchases, which is the best return on our list, tied with the U.S. Bank Business Cash Rewards World Elite^TM MasterCard®.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

Introductory APR: 0% for 9 billing cycles on purchases
Ongoing APR: 13.74% to 23.74% Variable, which 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 shorter than the 12 months of 0% APR offered by Chase Ink Business Unlimited^SM on purchases. 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 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

You will earn a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. That’s among the lowest sign-up bonuses among that cards that offer introductory rewards on our list.

Ongoing Rewards

You will earn the following rewards when using your card:

3% cash back on the category of your choice such as gas stations (default), office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services for the first $50,000 in combined choice category/dining purchases each calendar year; 1% after that
2% cash back on purchases at restaurants
Unlimited 1% cash back on all other purchases

If you’re enrolled in Bank of America Preferred Rewards for Business, you could earn up to 5.25% at gas stations and office supply stores, 3.5% 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. The introductory rewards aren’t huge, but this card has the lowest spending requirement of any on our list to earn a welcome bonus.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

Bank of America card reviews reveal this card doesn’t come with the same level of benefits you’ll find on other cards on our list, like car rental insurance and extended warranty protection for purchases you make with your card. 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. This is a benefit most frequently seen on travel rewards credit cards.

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 Chase Ink Business Cash^SM card (5%). The introductory bonus is the lowest among the cards on our list that offer a welcome bonus.

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

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
No annual fee
Build and strengthen credit for your business by using this credit card responsibly

$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 1% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	24.49% (Variable)	$0	Average, Fair, Limited

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business is best for small business owners with fair credit—a personal credit score between 580 and 669—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. You’ll pay a variable 24.49% APR on balances, the highest rate among cards on our list.

Capital One® Spark® Classic for Business Costs

Introductory APR: None
Ongoing APR: 24.49% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: None

If you have a credit score lower than 660, this might be the only unsecured business credit card for which you’ll qualify. As a result, you’ll have to pay a higher APR on balances you carry from month to month. 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 for Business Rewards

This is one of three cards on our list that offer no introductory rewards, including the American Express Blue Business Cash™ Card and the Wells Fargo Business Secured card. It also provides the lowest return on everyday spending at 1%.

Introductory Rewards

Capital One® Spark® Classic for Business offers no introductory rewards, which is not unusual for a small business credit card that is tailored for owners with fair credit. If your credit is good enough to qualify for another credit card, choose one like the Chase Ink Business Unlimited^SM, which offers a $500 cash back introductory bonus.

Ongoing Rewards

You will earn 1% cash back on all purchases with no cap. This is the lowest return for ongoing rewards among all of the cards on our list. It is not unusual for cards designed for owners with fair credit to offer limited ongoing rewards.

Capital One® Spark® Classic for Business Additional Features

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 for Business 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. The extended warranty protection and auto rental collision insurance are similar to what other cards on our list offer.

What Capital One® Spark® Classic for Business Is Missing

Capital One business card reviews show that this credit card is designed for cardholders with fair credit, so the ongoing APR is understandably high compared with other cards on our list. There’s also no introductory interest-free offer on purchases, and the fixed-rate rewards are relatively low. If your credit is good enough to qualify for other small business credit cards, choose Capital One® Spark® Cash Select for Business over Capital One® Spark® Classic for Business.

Wells Fargo Business Secured Card: Earning Cash Back With Bad Credit

On Wells Fargo's Secure Website

Wells Fargo Business Secured Credit Card

Cash Back option: Earn 1.5% cash back on every $1 spent
Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
$0 annual rewards program fee

$500 to $25,000 credit line
Zero liability protection

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	Prime + 11.90% on purchases	$25 per card	N/A

On Wells Fargo's Secure Website

The Wells Fargo Business Secured Card is best for small business owners with a credit score below 580 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 for Business. 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. The ongoing APR is 16.65%.

Wells Fargo Business Secured Card Costs

Credit line: Deposit $500 to $25,000 in a collateral account, which equals the amount of your credit line
Introductory APR: None
Ongoing APR: 16.65% variable, 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. According to Wells Fargo business card reviews, this card’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 for Business.

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 for Business.

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 one point for every $1 spent on net purchases and 1,000 bonus points when your company spends $1,000 in any monthly billing period

No other card on our list allows you to choose between receiving cash back or points. If you choose points, the redemption rate is likely to be lower than cash back. Even so, earning rewards on a secured business credit card is exceptionally rare.

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.

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 Capital One® Spark® Cash for Business.

Chase Ink Business Preferred^SM: Best Cash Back Business Credit Card for Earning Points

On Chase's secure website

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 22.49% Variable	$95	Good to Excellent