The best cash back business credit cards of 2019

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In a Nutshell

We compared some of the best cash back business cards based on their rewards programs, sign-up bonuses and other features. Read on to catch our top four.

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At a glance: 4 of the best cash back business cards

Best for Credit card
Intro 0% APR Ink Business Cash℠ Credit Card
Straightforward rewards Capital One® Spark® Cash for Business
Loyal customers Bank of America® Business Advantage Cash Rewards Mastercard® Credit Card

For small-business owners who want to boost their bottom line, business credit cards that offer cash back can make a difference. Some of the best cash back business cards offer between 1% and 5% cash back on everyday business expenses.

But each card has its benefits and drawbacks, and there’s no single best card out there for everyone. If you’re thinking about using a credit card for your business, take a look at the list we’ve put together of our four best cash back business cards.


Ink Business Cash℠ Credit Card

From our partner

Ink Business Cash℠ Credit Card

From cardholders in the last year

See Details, Rates & Fees

Who’s it for?

Folks who want stellar rewards with a 0% intro introductory APR promotion.

Why we like it

The Ink Business Cash℠ Credit Card offers the one-two punch of great rewards and an intro APR deal.

For starters, you’ll get a 0% intro APR on purchases and balance transfers for 12 months, and a 15.24% - 21.24% variable APR on both after that. The offer is great if you need to finance a large purchase over time or you have business debts you want to transfer and pay off interest-free — just keep an eye on that 12th-month finish line so that you pay off your balance before the APR kicks in.

In addition to the promotional offer, you’ll earn $500 bonus cash back when you spend $3,000 on purchases in the first 3 months of account opening. Plus, you get …

  • 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
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • An unlimited 1% cash back on all other purchases

And the best part is that you get all of this with a $0 annual fee.

Watch out for

The card charges a 3% foreign transaction fee, which makes it a poor travel companion on trips abroad. Also, if you plan to transfer a balance from another card, you’ll pay a balance transfer fee of 5% (minimum $5).

And you may do better with a different card if your business doesn’t spend a lot within this card’s bonus categories. If you’re fine with annual fees, consider the card’s sibling, the Ink Business Preferred℠ Credit Card.

From our partner

Ink Business Preferred℠ Credit Card

From cardholders in the last year

See Details, Rates & Fees

How to use it

With the Ink Business Cash℠ Credit Card, you can add employee cards to boost your cash back. Not only can your employees’ purchases net you more cash back rewards, but you’ll also save the time and effort of processing reimbursement requests when they use the card.

What’s more, you can set spending limits on your employee cards to make sure they stay within their budget.

FAST FACTS

Why should I choose a business credit card over a personal credit card?

There are a few reasons why you might want to pick a business credit card over a personal credit card.

Business credit cards may offer higher credit limits, which can give you more flexibility in your financing. You may also get access to perks tailored to small-business owners, such as employee cards and expense-management tools.

And with responsible use, business credit cards can help you build a credit history for your business. Just make sure your credit card issuer reports to at least one of the three major business credit bureaus — Dun & Bradstreet, Equifax and Experian.

Capital One® Spark® Cash for Business

From our partner
See Details, Rates & Fees

Who’s it for?

Small-business owners who want a high, flat rewards rate and don’t mind annual fees.

Why we like it

The Capital One® Spark® Cash for Business offers a flat, unlimited 2% cash back on every purchase you make. This simple rewards program is great for small-business owners who don’t care to keep track of bonus categories or who don’t spend a lot in any one category.

The card also offers a sign-up bonus. You’ll earn a $500 cash bonus after you spend $4,500 on purchases within 3 months from account opening. So if you’re looking for a cash sign-on bonus, this card can give it to you. You can also boost your rewards-earning potential by adding employee cards.

Watch out for

While the card offers a great rewards program, it has an annual fee of $0 intro, $95 after first year.

If your business expenses don’t add up to enough to earn back that much at least, consider the card’s sibling, the Capital One® Spark® Cash Select for Business. The rewards and sign-up bonus aren’t as attractive, but it has a $0 annual fee.

How to use it

If you’re heading for a business trip overseas, consider taking this card with you. It charges no foreign transaction fees and offers some special travel protections.

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

From our partner
See Details, Rates & Fees

Who’s it for?

Loyal Bank of America customers who qualify for the Preferred Rewards for Business program.

Why we like it

On the surface, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card might not look like it can compete with some of the other cards on our list. It offers …

  • No annual fee
  • A $300 statement credit after you make at least $3,000 in purchases within 90 days of account opening
  • 3% cash back on purchases at gas stations, or choose from one of these five categories instead: office supply stores, travel, TV/telecom and wireless, computer services or business consulting services
  • 2% cash back on purchases at restaurants (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1% after that)
  • 1% cash back on all other purchases

But what sets this card apart is that you can earn a rewards bonus of up to 75% on the base earnings of every purchase you make if you’re enrolled in the Preferred Rewards for Business program.

The program is available to Bank of America Small Business, Merrill Small Business, and U.S. Trust Small Business clients. To qualify, you need an active, eligible Bank of America business checking account and a three-month average combined daily balance of at least $20,000 in qualifying Bank of America business deposit accounts and/or Merrill business investment accounts.

Watch out for

The card charges a 3% foreign transaction fee, so it might not be the best choice if you travel abroad for business. And you may get better rewards elsewhere if you’re not already a Preferred Rewards for Business member or planning on becoming one.

How to use it

Like the Ink Business Cash℠ Credit Card, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card offers a 0% introductory APR promotion, albeit a few months shorter and only on purchases. You’ll get a 0% intro APR on purchases for nine billing cycles, after which your variable purchase APR will be 14.24% - 24.24%. So consider this card if you have a big equipment or inventory purchase coming up, but make sure you’re ready to pay off any remaining balance at the end of the promotional period.


Bottom line

As a small-business owner, you have an abundance of choices when it comes to credit cards. The best cash back business cards offer several benefits that can help your business and reward you in the process.

Before you decide on one of these though, check out other top business credit cards, including ones that offer other types of rewards. Consider the needs of your business, the types of expenses you have and your personal preferences.

Also, keep in mind that you may need a secured business credit card if your credit scores aren’t in great shape. As you use the right card responsibly — making payments in full and on time — you can build a credit history for your business.

How to build business credit

Ben Luthi is a personal finance freelance writer and credit cards expert. You can find his work on sites like USA Today, Money, NerdWallet, SuperMoney and Credit Karma. You can find him on Twitter at @benluthi.