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:

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at issuer’s secured site
good credit
intro purchase APR 0% for 12 monthsregular APR13.49%, 17.49%, 19.49%
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
  • $200 bonus after spending $3000 in the first 3 months
 

no annual fee

up to 5% cash back

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intro purchase APR 0% for 9 monthsregular APR11.99 - 17.99% (V)
intro BT APR 4% min $5 BT fee 11.24-21.24%
rewards 1-3% +up to $250 25% annual bonus
  • 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

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at issuer’s secured site
excellent
intro purchase APR 0% for 9 monthsregular APR11.24 - 21.24% (V)
intro BT APR 4% min $10 11.24-21.24%
rewards 1%-2%-3% 
  • 3% on gas and office supply purchases
  • 2% on restaurants
  • 1% on everything else

no annual fee

3% cash back on gas and office needs

2% on restaurants

1% on other

0 intro purchase APR for 9 months

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read card review Apply Now
at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR17.24% (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

$0 first-year annual fee, $59 after

earn 2% on all purchases, get up to $300 sign up bonus by spending and signing up employees

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read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR23.24 - 23.24% (V)
intro BT APR no intro offer no BT fee
rewards 1%  

no annual fee

good card for average credit

1% cash back on all purchases

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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