Updated: 05/05/2021

Business Credit Cards with Best Cash Back

Small business credit cards are very close to personal cards – they require personal guarantee from business owner and offer very similar packages of rewards.

Therefore, it is not a surprise that there are credit cards for businesses that offer cash back like personal cash back cards.

Out editors’ top picks for that category:

intro purchase APR 0% for 12 monthsregular APR13.74 - 19.74% (V)
intro BT APR 0% for 12 months 5% BT fee $5 min
rewards 1% 2% 5% per dollar +$200 bonus
  • 5% cash back on office supplies and telecom purchases with a $25,000 annual limit
  • 2% cash back on gas and dining out with a $25,000 annual limit
  • 1% cash back on all other purchases
  • $300 bonus after spending $3000 in the first 3 months
 
good credit required

no annual fee

up to 5% cash back

read review
intro purchase APR 0% APR for 9 monthsregular APR12.99, 17.99, or 19,99%
intro BT APR n/a n/a
rewards 1%,3%,5% cash back +$200 bonus
  • earn $200 bonus for spending $5,000 on a card in first 6 months
  • earn additional $200 bonus for spending additional $10,000 during the first year
good credit required

no annual fee

5% cash back on office supplies and wireless phone service

3% cash back on a category of your choice (out of 8) 

1% unlimited cash back on everything else

$200 statement credit after spending $5,000 in the first 6 months

$200 credit after spending additional $10,000 on a card withing the first year

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intro purchase APR no intro offerregular APR23.49 - 23.49% (V)
intro BT APR no intro offer no BT fee
rewards 1%  
fair credit required

no annual fee

good card for an average credit

1% cash back on all purchases

read review
intro purchase APR n/aregular APRn/a
intro BT APR n/a 
rewards 1.5% cash back 
good credit required

1.5% flat rate cash back if you pay balance in full withing 10 days after a statement

no interest for 60 days to pay off balance

no preset spending limit

no international transaction fee

read review
intro purchase APR 0% for 9 monthsregular APR12.49 - 18.49% (V)
intro BT APR 3% min $5 BT fee 12.49-18.49%
rewards 1-3% +25% annual bonus up to $250
  • get 25% bonus on last-year cash back up to $250 every year
  • earn 3% cash back on gas, office supplies and cellular
  • 1% cash back on all other purchases

 

no annual fee

3% cash back on gas, office supply, cellular service

1% regular cash back

low APR

up to $250 annual bonus

read review
intro purchase APR 0% for 9 monthsregular APR11.74 - 21.74% (V)
intro BT APR 4% min $10 11.74-21.74%
rewards 1%-2%-3% 
  • 3% on gas and office supply purchases
  • 2% on restaurants
  • 1% on everything else
excellent required

no annual fee

3% cash back on gas and office needs

2% on restaurants

1% on other purchases

0 intro APR for 9 months

read review
intro purchase APR no intro offerregular APR17.49% (V)
intro BT APR no intro offer no BT fee
rewards 2% +$500 bonus
  • $500 cash bonus for spending $4,500 in the first 3 months
excellent required

$0 first-year annual fee, $59 after

earn 2% on all purchases, get up to 5300 sign up bonus by spending $4,500 on the card

read review

US Bank has a Business Edge card with 3% back on typical business ongoing expenses like gas, office supply, and cell services, and a low APR starting at 11.24%.

Bank of America’s best offer is no annual fee Cash Rewards for business with 3% cash back on gas and office supplies and 2% on restaurants.

A flat rate 2% cash back on all purchases is offered by Capital One with its Spark Cash card of an annual fee of $59 on this card after first free year.



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