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If you’re a small business owner who wants to earn cash back on company expenses, there are a number of business credit cards to choose from. While these cards typically offer cash back on every purchase and business-related benefits like year-end summaries, they may also offer free employee cards, 0% intro APRs on balance transfers and $0 annual fees. Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we compiled a list of the best cashback business credit cards, based on the following categories:  Capital One Spark Cash PlusCapital One Spark Cash PlusIntroductory APR N/A Annual Fee $150 Regular Purchase APR N/A
If you don’t want the inconvenience of keeping track of bonus rewards categories or spending caps, you should take a look at a flat-rate cashback business credit card, like the Capital One Spark Cash Plus. The card offers unlimited 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel. Plus, cardholders earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. And every year you spend $200,000 or more on the card, you can earn a $200 bonus. Cash back earned with this card can be redeemed as a statement credit or a check. You can set up automatic redemption either at a set time each calendar year or when a specific threshold ($25, $50, $100 or $200) has been reached. Other redemption options include statement credit and gift cards. However, rates for these redemption options may vary and are subject to change without notice. The Capital One Spark Cash Plus charges an annual fee of $150. However, it doesn’t offer a 0% intro APR period, so if your business is looking to finance a big purchase interest-free for several months, you’ll want to consider other options. In fact, you can’t carry a balance on this card. It’s a charge card, so you must pay your balance in full — if you don’t, you’ll be charged a 2.99% monthly late fee. Finally, because the Capital One Spark Cash Plus is a charge card, it has no preset spending limit. Your spending power will adapt based on spending behavior, payment history, and credit profile. This could come in handy for business owners who frequently need to make large purchases. The Capital One Spark Cash Plus is a great small business credit card that simplifies things by earning flat-rate cash back on every purchase. If you find that your business spending doesn’t fit neatly into the rewards categories of other cards, the Capital One Spark Cash Plus could be the right business card to manage your cash flow with. Plus, while other flat-rate business cards might offer 1.5% back or 1.5 points per $1 spent, the Capital One Spark Cash for Business earns a higher flat rate. And business owners who travel abroad will benefit from the lack of a foreign transaction fee.
If you don’t want the inconvenience of keeping track of bonus rewards categories or spending caps, you should take a look at a flat-rate cashback business credit card, like the Capital One Spark Cash Plus. The card offers unlimited 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel. Plus, cardholders earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. And every year you spend $200,000 or more on the card, you can earn a $200 bonus. Cash back earned with this card can be redeemed as a statement credit or a check. You can set up automatic redemption either at a set time each calendar year or when a specific threshold ($25, $50, $100 or $200) has been reached. Other redemption options include statement credit and gift cards. However, rates for these redemption options may vary and are subject to change without notice. The Capital One Spark Cash Plus charges an annual fee of $150. However, it doesn’t offer a 0% intro APR period, so if your business is looking to finance a big purchase interest-free for several months, you’ll want to consider other options. In fact, you can’t carry a balance on this card. It’s a charge card, so you must pay your balance in full — if you don’t, you’ll be charged a 2.99% monthly late fee. Finally, because the Capital One Spark Cash Plus is a charge card, it has no preset spending limit. Your spending power will adapt based on spending behavior, payment history, and credit profile. This could come in handy for business owners who frequently need to make large purchases. The Capital One Spark Cash Plus is a great small business credit card that simplifies things by earning flat-rate cash back on every purchase. If you find that your business spending doesn’t fit neatly into the rewards categories of other cards, the Capital One Spark Cash Plus could be the right business card to manage your cash flow with. Plus, while other flat-rate business cards might offer 1.5% back or 1.5 points per $1 spent, the Capital One Spark Cash for Business earns a higher flat rate. And business owners who travel abroad will benefit from the lack of a foreign transaction fee.
Ink Business Cash® Credit CardInk Business Cash® Credit CardIntroductory APR 0% Intro APR on Purchases for 12 months Annual Fee $0 Regular Purchase APR 15.49% - 21.49% Variable
If you need to finance a large business purchase and pay it off over time, the Ink Business Cash® Credit Card may be a good fit. The card comes with an intro APR on purchases of 0% Intro APR on Purchases for 12 months. After that, an APR of 15.49% - 21.49% variable applies. The Ink Business Cash® Credit Card lets cardholders earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. The card also offers the following rewards rate: 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. The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others. Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee. This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards. There is a cap on the amount of rewards you can earn at the higher cashback rate. In addition, the Ink Business Cash® Credit Card charges foreign transaction fees of 3% of each transaction in U.S. dollars for purchases made outside of the U.S.
If you need to finance a large business purchase and pay it off over time, the Ink Business Cash® Credit Card may be a good fit. The card comes with an intro APR on purchases of 0% Intro APR on Purchases for 12 months. After that, an APR of 15.49% - 21.49% variable applies. The Ink Business Cash® Credit Card lets cardholders earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. The card also offers the following rewards rate: 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. The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others. Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee. This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards. There is a cap on the amount of rewards you can earn at the higher cashback rate. In addition, the Ink Business Cash® Credit Card charges foreign transaction fees of 3% of each transaction in U.S. dollars for purchases made outside of the U.S.
Business Advantage Customized Cash Rewards credit cardBusiness Advantage Customized Cash Rewards credit cardIntroductory APR 0% Introductory APR on purchases for the first 9 billing cycles Annual Fee $0 Regular Purchase APR 15.24% - 25.24% Variable APR
If you want some control over which categories your company earns cash back in, you may want to look at the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases Note, you are allowed to change your choice category one time per calendar month. You can boost your cashback rewards if you enroll in Bank of America’s Business Advantage Relationship Rewards program. Under that program, you can earn an additional 25% to 75% cashback on all purchases, depending on if you reach the gold, platinum or platinum honors level. That means you can earn up to 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases. The $0 annual fee card also offers a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card puts you in charge of choosing your top paying rewards category so you can match it to the business spending you do most. For example, a digital business owner might benefit from a rewards boost on computer services or telecom spending, whereas a sales company might have better earnings potential on gas or travel expenses. Even better, you can change your category once per month, so you can earn extra cashback on less frequent but significant spending like tax preparation or legal services, and then switch to something else the following month. The higher cashback rates can only be earned on the first $50,000 in combined choice and restaurant purchases each calendar year. After that, the rate drops to 1% cash back on those purchases. No matter what type of business you do, the $0 annual fee is attractive since there are no out-of-pocket costs for you to earn your cashback. You can add cardholders to your account and earn cash back based on their purchases. There’s no annual cap on rewards redemption and as long as your account remains in good standing, your cash rewards don’t expire. Additionally, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card charges foreign transaction fees of 3% of the U.S. dollar amount of each transaction.
If you want some control over which categories your company earns cash back in, you may want to look at the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases Note, you are allowed to change your choice category one time per calendar month. You can boost your cashback rewards if you enroll in Bank of America’s Business Advantage Relationship Rewards program. Under that program, you can earn an additional 25% to 75% cashback on all purchases, depending on if you reach the gold, platinum or platinum honors level. That means you can earn up to 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases. The $0 annual fee card also offers a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card puts you in charge of choosing your top paying rewards category so you can match it to the business spending you do most. For example, a digital business owner might benefit from a rewards boost on computer services or telecom spending, whereas a sales company might have better earnings potential on gas or travel expenses. Even better, you can change your category once per month, so you can earn extra cashback on less frequent but significant spending like tax preparation or legal services, and then switch to something else the following month. The higher cashback rates can only be earned on the first $50,000 in combined choice and restaurant purchases each calendar year. After that, the rate drops to 1% cash back on those purchases. No matter what type of business you do, the $0 annual fee is attractive since there are no out-of-pocket costs for you to earn your cashback. You can add cardholders to your account and earn cash back based on their purchases. There’s no annual cap on rewards redemption and as long as your account remains in good standing, your cash rewards don’t expire. Additionally, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card charges foreign transaction fees of 3% of the U.S. dollar amount of each transaction.
American Express Blue Business Cash™ CardApply Now on American Express's secure site Terms Apply American Express Blue Business Cash™ CardIntroductory APR 0% on purchases for 12 months from date of account opening Annual Fee No annual fee Regular Purchase APR 16.24% - 24.24% Variable
If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you. The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases. The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 16.24% - 24.24% variable. Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges. Although the American Express Blue Business Cash™ Card offers a generous rewards rate, the card does not come with an welcome bonus. To see the rates and fees for American Express Blue Business Cash™ Card, please click here. The American Express Blue Business Cash™ Card is ideal for business owners who want a simple rewards structure. Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories. If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back. However, if your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap. American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power. The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases. Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full. Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment. To see the rates and fees for American Express Blue Business Cash™ Card, please click here.
To see rates & fees for American Express Blue Business Cash™ Card please click here. If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you. The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases. The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 16.24% - 24.24% variable. Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges. Although the American Express Blue Business Cash™ Card offers a generous rewards rate, the card does not come with an welcome bonus. To see the rates and fees for American Express Blue Business Cash™ Card, please click here. The American Express Blue Business Cash™ Card is ideal for business owners who want a simple rewards structure. Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories. If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back. However, if your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap. American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power. The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases. Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full. Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment. To see the rates and fees for American Express Blue Business Cash™ Card, please click here.
To see rates & fees for American Express Blue Business Cash™ Card please click here. Capital One Spark Classic for BusinessCapital One Spark Classic for BusinessIntroductory APR N/A Annual Fee $0 Regular Purchase APR 26.99% (Variable)
If you’re a business owner looking to build or establish credit, the Capital One Spark Classic for Business may be a good fit. The card is designed to help strengthen your business’s credit through responsible card usage and accepts cardholders with fair credit. According to Capital One, this includes individuals who have defaulted on a loan in the past five years or those with limited credit history. Additionally, the card comes with a $0 annual fee and a rewards rate of 1% cash back on every purchase. While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not. Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One Spark Classic for Business. It’s a flat-rate, no-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards. While some business credit cards require good or excellent credit to be approved, the Capital One Spark Classic for Business is designed for business owners with fair credit. Use it responsibly and in time, you can apply for a card with more lucrative rewards. If you don’t know where your credit score stands, it’s wise to check it before applying. Note that both personal and business credit can be considered when applying for a small business card. Ways to check your personal credit score for free include:
If you’re a business owner looking to build or establish credit, the Capital One Spark Classic for Business may be a good fit. The card is designed to help strengthen your business’s credit through responsible card usage and accepts cardholders with fair credit. According to Capital One, this includes individuals who have defaulted on a loan in the past five years or those with limited credit history. Additionally, the card comes with a $0 annual fee and a rewards rate of 1% cash back on every purchase. While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not. Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One Spark Classic for Business. It’s a flat-rate, no-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards. While some business credit cards require good or excellent credit to be approved, the Capital One Spark Classic for Business is designed for business owners with fair credit. Use it responsibly and in time, you can apply for a card with more lucrative rewards. If you don’t know where your credit score stands, it’s wise to check it before applying. Note that both personal and business credit can be considered when applying for a small business card. Ways to check your personal credit score for free include:
The information related to the Capital One Spark Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. Tracy Brackman
Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field. Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news. Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. Tracy studied marketing at the Ohio State University and Florida International University. Read More The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details. Recommended ArticlesCan I use my EIN to get a credit card?In some cases, corporate credit cards don't require an SSN, meaning you can get a business card with an EIN only. Corporate cards have stricter application rules. In most cases only certain types of businesses are eligible, and your business may need to earn a certain profit margin each year.
What credit card gives the highest amount in cash back?Best cash-back credit cards of 2022. Winner and Best for No Annual Fee: Chase Freedom Unlimited® Card.. Best for Flat-Rate Cash Back: Citi® Double Cash Card.. Best for Rotating Bonus Categories and Welcome Bonus: Chase Freedom Flex℠. Best for Students: Discover it® Student Cash Back.. Do any credit cards give 3% cash back?There is no credit card currently on the market that gives 3% cash back on all purchases. The best flat-rate cash back credit cards typically give 2% cash back on all purchases.
What credit score is needed for American Express business Cash Card?You should have a good credit score or better, which means a FICO® Score of at least 670, to apply for the Blue Business Cash™ Card from American Express.
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Best cash back business credit cards 2022
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