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Best Cash-Back Business Credit Cards 2024

  • Our top picks for the best cash-back business credit cards are The American Express Blue Business Cash™ Card, Capital One Spark Cash Plus, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card, among others.
  • The best cash-back credit cards for business give you extra rewards on things like office supplies and shipping expenses.
  • No two business owners have exactly the same needs, so choose a business credit card based on your spending habits and financial situation.
  • Many of the best business credit cards for cash back come with additional perks, such as bonus rewards on travel purchases or statement credits based on your purchase history.
  • You don’t have to form a corporation or a limited liability company to open a business credit card.

Our top picks for the best cash-back business credit cards

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Best for simple rewards

American Express Blue Business Cash™ Card

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Up to 2% Reward Rate

Earn 2% cash back on up to $50,000 in combined purchases each year, then 1%. Cash back earned is automatically credited to your statement.

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Annual Fee
$0
Welcome Offer
$250
Regular APR
18.49% to 26.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
While some cash-back business cards have complicated, extra-specific reward categories, the American Express Blue Business Cash™ card keeps it simple with 2% back on all eligible business expenses (on up to $50,000 spent per year, then 1%).
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Card Details

More card info

  • Enjoy a 0% introductory APR on purchases for the first 12 months from account opening. After that, a variable APR of 18.49% - 26.49% applies, based on your creditworthiness and other factors at the time of account opening. APRs will not exceed 29.99%.
  • Spend beyond your credit limit* with Expanded Buying Power. (*The amount available for spending above your credit limit varies and is determined by your card usage, payment history, credit profile, known financial resources, and other factors. It is not unlimited.)
  • Terms Apply.
Pros
  • No annual fee
  • High rewards rate
  • Simple cash back structure
Cons
  • Spending cap for 2% rewards
  • Requires good to excellent credit
  • Limited redemption options

Best for cardholders who pay in full every month

Capital One Spark Cash Plus

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2% Reward Rate

Earn unlimited 2% cash back on all purchases.

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Annual Fee
$150
Welcome Offer
$1,200
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
With unlimited 2% back on everything, this card is great for big spenders whose purchases don’t fall into typical reward categories. Plus, every year you spend at least $150,000, you can have your $150 annual fee refunded.
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Card Details

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  • Access free employee cards, which also earn unlimited 2% cash back on all purchases
  • Every year you spend $150,000, you can get your annual fee refunded
  • You can redeem your cash back for any amount, and rewards won’t expire for the life of the account
  • No foreign transaction fees, so you can use your card freely while traveling abroad
Pros
  • Generous welcome offer for high spenders
  • High 2% cash back rate
  • Charge card, so no APR
Cons
  • No bonus categories
  • Must pay card in full each month
  • Has an annual fee

Best for no annual fee or earning caps

Capital One Spark Cash Select for Excellent Credit

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Up to 5% Reward Rate

Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 1.5% cash back on all other purchases.

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Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49%-24.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
While some flat-rate business cards have an earning cap on bonus categories, the rewards earned by the Spark Cash Select for Excellent Credit are unlimited (and it has no annual fee, which is nice).
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Card Details

More Card info

  • You can redeem your cash back for any amount, and rewards won’t expire for the life of the account
  • Access free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Have peace of mind with $0 Fraud Liability, so you’re not responsible for unauthorized charges
Pros
  • No annual fee
  • Unlimited 1.5% cash back on all purchases
  • Free employee cards
Cons
  • High APR
  • Excellent credit required

Best for bonus categories

Ink Business Cash® Credit Card

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Up to 5% Reward Rate

Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases.

Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If your business tends to spend a lot in specific categories like office supplies or telecom services, the Ink Business Cash card can reward you well for those purchases. With 5% back on the first $25,000 a year spent on combined purchases at office supply stores and on internet, phone, and cable services, you can rack up some serious cash back on necessary business expenses. You can also earn 2% back on combined purchases at gas stations and restaurants on up to $25,000 spent per year.

Best for large purchases

Ink Business Premier® Credit Card

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Up to 5% Reward Rate

Earn unlimited 5% cash back on travel purchased through Chase Travel℠, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other business purchases.

Annual Fee
$195
Welcome Offer
$1,000
Regular APR
19.49% - 27.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
First, take a second to look at that welcome offer. You can earn $1,000 if you spend $10,000 in the first three months. Obviously, for a small business, that spending requirement is a bit high, but if your business frequently makes large purchases, that’s an easy way to put a large chunk of change back in your pocket. Along the same lines, if you regularly make purchases of $5,000 or more, you can earn 2.5% back on those purchases. Even if you make business purchases of less than that, you can still earn 2% back.

Best for unlimited cash back

Ink Business Unlimited® Credit Card

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1.5% Reward Rate

Earn unlimited 1.5% cash back on all purchases made for your business.

Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Ink Business Unlimited® Credit Card is another option for a simple cash-back card with unlimited rewards. You can earn unlimited 1.5% cash back on all eligible purchases with no spending cap. You also won’t have to pay an annual fee. This card also has a generous welcome offer that would be easy for many businesses to spend enough to earn. Additionally, unlike many business cards, this one has an intro APR offer, so if you’re looking to make a large purchase, it gives you a bit of extra time to pay it off before interest rates set in.

Comparing the best cash-back business credit cards

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Best cash-back business credit cards: Editorial reviews

American Express Blue Business Cash™ Card

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We love The American Express Blue Business Cash™ Card because it has a flat reward-earning rate. You earn 2% cash back on your first $50,000 in annual expenses. If you spend more than $50,000, you earn 1% until the end of the year.

▶︎ Read more: Amex Blue Business Cash review

Capital One Spark Cash Plus

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Capital One Spark Cash Plus is a bit different from other cash-back business credit cards. Most cards allow you to carry a balance, but the Spark Cash Plus works as a charge card, so you must pay your balance in full every month.

In addition to 2% cash back across the board, cardholders are eligible for 5% back on all rental cars and hotels booked through Capital One Travel. If you tend to carry a balance, look elsewhere. But if you can pay off your statement every month, this card could make a nice addition to your wallet.

▶︎ Read more: Best Capital One Spark Business cards review

Capital One Spark Cash Select for Excellent Credit

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The Capital One Spark Cash Select is a traditional credit card, so you don’t have to pay your balance in full every month. We love that it has no annual fee and no spending caps. You’ll earn 1.5% on every eligible transaction, regardless of where you shop or how much you spend. Cardholders are also entitled to 5% cash back on all rental cars and hotels booked through Capital One Travel. If you spend a lot in certain categories, you may do better with a different card, though.

Ink Business Cash® Credit Card

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Chase offers several business cash-back credit cards, but we love Ink Business Cash® Credit Card because it offers 5% back in some of the most common business spending categories. You earn 5% on the first $25,000 in combined purchases at office supply stores and on telecommunications services each account anniversary year.

Cardholders also receive 5% back on Lyft rides, making the Ink Business Cash Credit Card ideal for business owners who travel to client meetings or industry events.

▶︎ Read more: Ink Business Cash card review

Ink Business Premier® Credit Card

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If you regularly make large purchases, consider getting the Ink Business Premier℠ Credit Card. Cardholders earn 2.5% back on every purchase of $5,000 or more, so your rewards add up quickly. You also get 2% cash back on purchases under the $5,000 threshold.

We love that the Ink Business Premier comes with a generous welcome bonus. If you spend $10,000 within three months of opening an account, you’ll get $1,000. Assuming you spend the minimum, that’s $1,250 in rewards (factoring in the 2.5% back).

▶︎ Read more: Ink Business Premier review

Ink Business Unlimited® Credit Card

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If you don’t want to deal with spending caps, minimum spending requirements or rotating bonus categories, try the Ink Business Unlimited® Credit Card. You earn 1.5% cash back on every purchase, no matter where you shop, how much you spend or what you buy.

The card has no annual fee and comes with a $750 welcome bonus when you spend at least $6,000 within three months of opening an account.

▶︎ Read more: Ink Business Unlimited review

What is a cash-back business credit card?

A cash-back business credit card works just like a regular credit card except it usually comes with higher rewards rates on common business categories, such as:

No two credit cards are exactly the same, so make sure you’re familiar with the terms of the card you choose. Some cards offer a flat percentage of cash back on each purchase. For example, the Capital One Spark Cash Select for Excellent Credit gives you a flat rate of 1.5% regardless of category or amount spent.

Other cards have multiple spending categories, meaning you get a specific amount of cash back for each category. For example, you may be able to find a card that offers 3% back on travel, 2% back on office supplies and 1% on everything else.

Once you earn rewards, you need to redeem them. Your redemption options depend on which card you choose. Many issuers allow you to apply your cash back as a statement credit, reducing your total balance. You may even be able to request a direct deposit, cover your travel expenses, purchase gift cards or shop via branded portals.

You should know that some companies require you to reach a minimum balance before you can cash out. For example, if your card issuer has a threshold of $50, you can’t request a statement credit if you only have $43.28 available.

Cash-back business cards vs. cash-back personal cards

Although cash-back business credit cards and cash-back personal credit cards work the same way, a cash-back business card is the better choice for anyone who owns a business or works as an independent contractor.

Let’s take a look at how business credit cards compare with with personal credit cards:

Cash-back business credit cards

  • Allow you to issue cards to employees
  • Come with generous welcome bonuses
  • Offer extra cash back on certain business spending categories
  • Don’t necessarily improve your personal credit scores

Cash-back personal credit cards

  • May come with promotional offers related to balance transfers or purchase APR
  • Typically have lower credit limits than cash-back business credit cards
  • Approval usually depends on your personal credit scores
  • May have a limited number of spending categories

Should I get a cash-back business card?

A cash-back business credit card is worth it if you spend enough on business expenses to benefit from your card’s rewards structure.

For example, if you run a freelance graphic design business, you may not need much in the way of office supplies or telecommunications services. In that case, a personal card may be a better fit for your needs, as many personal credit cards offer cash back on groceries, restaurants and other common spending categories.

In contrast, someone who spends $10,000 per month on business travel, office supplies, shipping expenses and other business costs is likely to rack up rewards faster with a business credit card than a personal credit card.

Pros and cons of cash-back business credit cards

Pros
  • Cash-back cards give you extra rewards on categories relevant to business owners and solo entrepreneurs
  • Many companies allow you to issue cards to trusted employees, making it easier to manage your company’s finances
  • Business credit cards come with tools to help you track your spending and identify additional savings opportunities
Cons
  • Business credit cards often have higher interest rates than consumer credit cards
  • Issuers typically have stricter account requirements for business credit cards
  • Business credit cards don’t have the same protections as consumer credit cards

How to choose the best cash-back business credit card

With so many options available, it’s important to compare several cards before choosing the best credit card for you. Here’s what you need to consider.

Identify your spending categories

The first step is to identify your top spending categories. It doesn’t do much good to sign up for a card offering 2% back on shipping expenses when you run a service-based business and rarely have to ship anything.

Once you review your spending habits, look for a card that offers extra cash back in your top categories. For example, if you spend a significant amount of money on business travel, look for a business travel credit card that offers additional cash back in the travel category.

Match your spending with rewards

It’s also important to match your spending with the rewards structure of your credit card. For example, if you choose a card that gives you extra cash back on purchases of $5,000 or more, you may want to hold off on making a $3,000 transaction.

If you can wait a little while, you may be able to reach the $5,000 spending threshold, increasing the amount of cash back you receive.

Determine how you want to redeem rewards

Some credit card companies offer more redemption methods than others. If you’re set on a particular redemption method, make sure the card you choose allows you to use your cash back as you see fit.

Check out the other benefits

The best business cash-back credit cards come with extra benefits for business owners, such as travel insurance, extended warranty protection, purchase protection and accounting tools. If these benefits are important to you, don’t settle for a bare-bones card.

Compare the fees

When you open a business credit card, you need to consider how the annual fee is likely to affect your finances. If it’s a no-annual-fee business card, you don’t have to worry about how much you earn in rewards. Even if you only earn $100 per year, it doesn’t cost you anything to keep the card.

Some cards have high annual fees, however, so you need to think about whether the benefits of having the card outweigh the cost of paying $195 or more each year.

How to apply for a cash-back business credit card

To get a business credit card, you may need a score in the good to excellent range.

Although good scores start at 670, we recommend waiting until you have a 700 before you apply for a cash-back business credit card. A higher score will give you more options, reducing the risk that you’ll have to settle for a card that isn’t the best fit for your needs.

When you apply, make sure you have your Social Security number and other personal information available. You’ll need to provide your name, contact information, SSN and other data to help the credit card company determine if you meet the minimum criteria for approval.

Can I apply for a cash-back business credit card without a business?

Yes. You don’t have to set up a limited liability company or start a corporation to qualify for a business credit card. If you offer freelance web design services or operate a neighborhood lawn service, you can still benefit from using one of these cards to cover your business expenses.

How to maximize cash-back rewards for your business

To maximize your cash-back rewards, follow these tips:

• • • • •

For rates and fees of The American Express Blue Business Cash™ Card, please visit this page.

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FAQs: Best cash-back business credit cards

Which business credit card gives the best cash-back rewards?

It depends on your needs. If you make large purchases, consider getting the Ink Business Premier, which gives you 2.5% back on every purchase of at least $5,000. Capital One Spark Cash Plus gives you 5% back on travel booked through the Capital One Travel portal.

Is there a business credit card that gives 5% cash back?

Yes. The Ink Business Cash card gives you 5% back on the first $25,000 in combined spending on office supplies and telecommunications services each account anniversary year. You can also get 5% back on travel booked through the Capital One Travel portal, which may make the Capital One Spark Cash Plus or Capital One Spark Cash Select for Excellent Credit a good choice.

Can you use a business credit card for personal expenses?

There’s no law against it, but we recommend keeping your personal and business expenses separate. It’s much easier to calculate your business profit if you don’t have to go through every statement and exclude personal purchases.

Can you get a business credit card with a low credit score?

A few companies offer business credit cards to applicants with fair credit scores, but you usually need a good or an excellent score to qualify.

Is cash back on a business credit card taxable?

Cash back isn’t taxable unless you receive it without having to spend any money. Otherwise, the IRS considers cash back a type of rebate or discount, not a form of income.

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

About the Reviewer

Blake Esken
Blake Esken Los Angeles Times

Blake Esken has over 15 years of experience in product management and has been a member of the Los Angeles Times staff for over five years.

As part of his role at the Los Angeles Times Commerce Team, Blake acts as the in-house reviewer and fact checker for LA Times Compare. He supervises all content for compliance and accuracy and puts to use skills he has honed through years of experience managing high-stakes projects for a range of industry-leading companies.

He has a strong background in data analysis, compliance, and communication, which allows him to support LA Times Compare through fact-checking in an effort to provide up-to-date and factual information across our content.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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