Best Cash Back Credit Cards for Business
WalletHub makes it easy to find the best cash back credit card for business.
The best cash back credit cards for business offer elite rewards on purchases and often have a valuable initial bonus. Based on WalletHub’s analysis of 1,500+ credit card offers, many of the best cash back credit cards for business also have a $0 annual fee or give extra cash back for important small business expenses. Examples include office supplies, telecom services, gas, and dining (some cards are from WalletHub partners).... show more
6 Best Cash Back Credit Cards for Business
COMPARE CASH BACK BUSINESS CREDIT CARDS
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- Earn $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- Up to $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 18.49% - 24.49% (V) regular APR
- 3% foreign transaction fee
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No annual fee
- Intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- No membership fees
- No foreign transaction fees
- Qualify with limited credit history
- Does not require security deposit
- High regular APR
- High rewards rate
- $1,000 initial rewards bonus
- No foreign fee
- High membership fees
- Requires good/excellent credit
- No annual fee
- Intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- Welcome offer: $250 statement credit
- No membership fees
- Low intro APR on purchases
- High rewards rate
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- No annual fee
- High rewards rate
- Bonus categories
- No foreign fee
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
2024’s Best Cash Back Credit Card for Business
The best cash back business credit card is the Capital One Spark 2% Cash Plus * because it offers unlimited 2% cash back on all purchases. Capital One Spark Cash Plus also has an initial bonus of $1,200 for spending $30,000 in the first 3 months. There is an annual fee of $150, and applicants need excellent personal credit for approval.
Best Cash Back Business Credit Card Comparison
Credit Card | Best For | Rewards Rate | Annual Fee |
Capital One Spark 2% Cash Plus * | Overall | 2 - 5% cash back | $150 |
Ink Business Premier® Credit Card | Initial Bonus | 2 - 5% cash back | $195 |
Ink Business Cash® Credit Card | Rewards & Low Intro APR | 1 - 5% cash back | $0 |
Capital One Spark Cash Select for Excellent Credit (see Rates & Fees) | No Annual Fee | 1.5 - 5% cash back | $0 |
Capital One Spark Classic for Business (see Rates & Fees) | Limited Credit | 1 - 5% cash back | $0 |
Business Advantage Unlimited Cash Rewards Secured credit card | Bad Credit | 1.5% cash back | $0 |
It’s also worth repeating that you shouldn’t forget about cash back credit cards meant for personal use. There are some really great deals right now, especially if you don’t plan to spend enough to qualify for a business card’s initial bonus.
Best Business Credit Card With Cash Back FAQ
Comparing cash back business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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