6 Best Cash Back Business Credit Cards

Jodie Price

By Jodie Price | Updated November 10, 2025

Finding the right business credit card can help a company save money and earn rewards on everyday expenses. The best cash back business credit cards allow owners to easily earn a percentage of their spending back, along with helpful benefits for managing business expenses. This list highlights six strong options that balance value, flexibility, and ease of use.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card is a simple cash back option for business owners who prefer flat-rate rewards. It avoids the need to track multiple categories. This card works well for consistent spending across different areas. It provides value without requiring complicated strategies to maximize rewards.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase

    Welcome Bonus:

    New cardholders can earn a $750 bonus cash back after spending $6,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 17.49%–23.49%
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to the Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 1.5% cash back on all purchases
    • Simple rewards with no category tracking
    • Employee cards available at no extra cost
    • Purchase protection and extended warranty coverage

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, gift cards, or through the Chase Ultimate Rewards portal.

    Credit Requirements:

    Applicants typically need good to excellent credit (FICO score of at least 670) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card does not offer bonus categories, which may limit rewards for businesses with high spending in specific areas.

    Why it Works for Beginners:

    Its flat-rate structure makes it easy for new business owners to earn rewards without managing complex categories.

  • Capital One Spark Cash Plus

    The Capital One Spark Cash Plus is a business charge card that offers simple cash back rewards on every purchase. It is designed for business owners who want straightforward earning without tracking categories.

    This card requires the balance to be paid in full each month, making it different from traditional credit cards. It works well for businesses that prefer predictable rewards and easy redemption.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • Unlimited 2% cash back on all purchases

    Welcome Bonus:

    Earn $2,000 cash back after spending $30,000 in the first three months, plus an additional $2,000 cash bonus for every $500,000 spent during the first year.

    Card Details:

    • Annual fee: $150
    • APR: N/A (requires the balance to be paid in full each month)
    • Other benefits: Free employee cards, expense management tools
    • Network: Mastercard
    • Type: Business charge card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat-rate 2% cash back on all purchases
    • No preset spending limit
    • Free employee cards with customizable limits
    • No foreign transaction fees
    • Simple redemption process

    Redemption Options:

    Cash back can be redeemed as a statement credit or deposited into a bank account.

    Credit Requirements:

    Requires excellent credit, generally a FICO score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The card requires payment in full each month and charges a $150 annual fee.

    Why it Works for Beginners:

    Its flat-rate cash back structure makes it easy for new business owners to earn rewards without tracking categories.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is designed for small business owners who want to earn rewards on everyday expenses. It works well for companies that spend regularly in categories like office supplies and internet services.

    This card offers flexibility for businesses that want to manage costs while earning cash back. It provides practical rewards without adding extra complexity to business spending.

    Earning Structure:

    • 5% cash back on office supplies stores, internet, cable, and phone services (on up to $25,000 per year)
    • 2% cash back at gas stations and restaurants (on up to $25,000 per year)
    • 1% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn $350 after spending $3,000 in the first three months plus $400 after spending $6,000 in the first six months of card membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–25.49% variable
    • Other benefits: Employee cards at no extra cost, purchase protection, extended warranty coverage
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional info: Flexible redemption through the Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • Strong cash back in common business categories
    • Employee cards help track spending
    • Purchase protection and extended warranty
    • Access to Chase Ultimate Rewards

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, gift cards, or travel through the Chase Ultimate Rewards portal.

    Credit Requirements:

    Applicants need good to excellent credit, with a FICO score starting at 670, to qualify.

    Spending Limitations / Potential Drawbacks:

    The higher cash back rates only apply up to $25,000 per year in select categories.

    Why it Works for Beginners:

    It offers simple rewards with no annual fee, making it easy for new business owners to manage expenses while earning cash back.

  • Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card

    This card is designed for small business owners who want flexible cash back rewards. It allows users to choose a top spending category to maximize returns. It also provides a simple way to manage business expenses while earning rewards. The card fits best for businesses with regular spending in specific areas.

    Earning Structure:

    • 3% cash back in a chosen category (such as gas, office supplies, travel, or dining)
    • 2% cash back at wholesale clubs and restaurants
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn a $300 online statement credit after spending $3,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–27.49% variable
    • Other benefits: Introductory 0% APR on purchases for 9 billing cycles
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional features: Customizable rewards category each month

    Key Benefits:

    • No annual fee to maintain the card
    • Flexible 3% category choice
    • Introductory 0% APR on purchases
    • Cash back rewards never expire
    • Useful for common business expenses

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or applied toward travel and gift cards.

    Credit Requirements:

    Applicants typically need excellent credit (FICO score of 740 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The 3% bonus category is capped at $50,000 in combined spending per year, then drops to 1%.

    Why it Works for Beginners:

    The simple earning structure and no annual fee make it easy for new business owners to manage and benefit from rewards.

  • Capital One Spark Classic for Business

    The Capital One Spark Classic for Business is designed for business owners who may not have strong credit yet. It provides a simple way to build credit while still earning rewards on purchases.

    This card focuses on accessibility, making it a practical option for those with fair or limited credit history. It allows businesses to start earning cash back without needing a perfect credit score.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • 1% cash back on every purchase

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 29.74% variable
    • Other benefits: Free employee cards, expense management tools
    • Network: Mastercard
    • Type: Unsecured business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Designed for fair credit applicants
    • Unlimited 1% cash back on purchases
    • Helps build business credit history
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed as statement credits or checks, offering straightforward flexibility.

    Credit Requirements:

    Applicants usually require a fair credit score of at least 580, making it accessible to more business owners.

    Spending Limitations / Potential Drawbacks:

    The flat 1% cash back rate is lower than many other business cards that offer higher reward categories.

    Why it Works for Beginners:

    It gives new business owners a chance to build credit while earning simple rewards without worrying about fees.

  • Revenued Business Card

    The Revenued Business Card is designed for small business owners who may not have strong credit but need access to working capital. It functions more like a charge card tied to business revenue instead of a traditional credit card.

    This setup allows businesses with fair or limited credit to qualify more easily. However, the card comes with required finance charges that can make it more expensive than standard cash back business cards.

    Earning Structure:

    • No rewards or cash back.

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: Not traditional; finance charges apply instead
    • Other benefits: Access to working capital based on revenue
    • Network: Mastercard
    • Type: Business charge card
    • Foreign transaction fees: None
    • Approval factors: Based on business revenue rather than credit score

    Key Benefits:

    • No annual fee to maintain the card
    • Approval not based on personal credit score
    • Helps build business credit history
    • Access to funding tied to business revenue

    Redemption Options:

    This card does not offer rewards or cash back, so there are no redemption options available.

    Credit Requirements:

    Credit score is not the main factor; approval is based on business revenue instead.

    Spending Limitations / Potential Drawbacks:

    Mandatory finance charges can increase costs compared to traditional credit cards.

    Why it Works for Beginners:

    It provides new business owners with limited or fair credit a way to access funds and build credit history without relying on personal credit.

Frequently Asked Questions

Can I have multiple business credit cards for different expenses?

Yes, many business owners use multiple cards to maximize rewards across various categories. One card may offer higher cash back on office supplies, while another earns more on travel or dining. This approach can help optimize returns, but it is important to manage balances responsibly.

Do business cash back credit cards affect personal credit scores?

In most cases, business credit cards report to both business and personal credit bureaus. Responsible use can help build both credit profiles, but missed payments could impact your personal score. It is best to confirm each issuer’s reporting policy before applying.

Are business credit card rewards taxable income?

Generally, cash back rewards are considered rebates and not taxable income. However, if rewards come from bonuses or promotions not tied to purchases, they may be taxable. Consulting a tax professional can clarify how rewards apply to your business.

Can startups or new businesses qualify for cash back business credit cards?

Yes, many issuers allow startups and small businesses to qualify even without long credit histories. Approval often depends on the owner’s personal credit and business revenue. Choosing a card with flexible requirements can help new businesses establish financial credibility while earning rewards.

What should I look for when choosing a cash back business credit card to maximize rewards?

A business should focus on reward categories that match its top expenses. It is also important to check for fees, redemption flexibility, and any limits on earnings. Selecting a card that balances rewards with low costs improves overall value.