Best Business Credit Cards for Cash Back in 2022

We love the no-annual-fee Ink Business Cash Credit Card because it lets you earn 5% cash back on the first $25,000 spent per year when you shop at office supply stores as well as for your phone, internet and cable subscriptions. Spending at gas stations and restaurants comes with up to2% cash back. All other purchases give you 1% cash back.

Redeeming your rewards through the Chase Ultimate Rewards program is simple. You may redeem your rewards for cash back, gift cards, travel, merchandise and more.

Cardholders stand to earn an introductory $750 bonus if they spend at least $7,500 in the first three months. An intro 0% APR offer applies on purchases for the first 12 months.

Additional employee cards come at no extra cost. All cards linked to the primary account benefit through fraud and purchase protection.

You may also look forward to simplified business accounting by integrating your credit card account with your bookkeeping software.

Pros

• No annual fees
• Generous introductory cash back and APR offers
• Redeem points for cash, travel, gift cards and more
• Points don't expire for the life of the account
• Free employee cards
• Complimentary purchase and travel protection

• Get a $750 cash back bonus if you spend $7,500 on purchases in the first three months
• Benefit through a 0% intro APR offer on purchases for the first 12 months
• Pay no annual fees for as long as your account remains active
• Get 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year
• Get 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year
• Get 1% cash back on all other purchases
• Your rewards remain valid for as long as you keep using your card
• Set individual spending limits for employee cards
• All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch
• Fraud protection safeguards you against fraudulent transactions

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Capital One Spark Cash Plus Card is ideal for businesses that wish to earn unlimited cash back as it offers 2% cash back on all purchases. It also comes with a sizeable early spend bonus offer through which you can earn up to a $1,000 cash bonus - $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months.

$500 if you spend $5,000 in the first three months, and an additional $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening.

Employee cards come at no extra cost. Setting up automatic payments and recurring transactions is possible. You get access to different expense management tools. This card comes with no foreign transaction fees. It charges an annual fee of $150.

Pros

• Early spend bonus offer
• 2% cash back for each purchase with no restrictions on categories or spending limits
• No monthly APR
• Reward points have no expiration date
• No fees for foreign transactions and over-limit spending
• AutoPay available to pre-schedule payments

• The early spend bonus is paid in two tiers: $500 after spending $5,000 within the first three months and an additional $500 when you spend $50,000 within the first six months.
• The annual fee is $150.
• If employee cards are linked, all earn unlimited 2% reward points.
• You can use reward points to buy gift cards or to pay for previous purchases.
• You can get an emergency card replacement and a cash advance if your card is lost or stolen.
• You can download purchase records in various formats such as Excel, QuickBooks and Quicken.
• You can download year-end summaries for budgeting and tax-related purposes.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Chase Ink Business Unlimited Card to business owners who do not wish to pay annual fees and keep their rewards earning simple. All purchases earn 1.5% cash back. This card comes with an intro 0% APR on purchases for the first 12 months. It also gives you the ability to earn a considerable spend-based welcome bonus.

Employee cards come at no additional cost. Cardholders might benefit through purchase protection, extended warranty, roadside dispatch, auto rental collision damage waiver and travel and emergency assistance services.

Using this card outside of the U.S. might not work well, given that it charges a 3% foreign transaction fee.

Pros

• No annual fees
• Flat 1.5% cash back
• A welcome bonus of $750
• 0% intro APR for 12 months

• A small business card with $750 bonus cash back, unlimited 1.5% cash back, 0% intro APR for the first 12 months and other features.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We like the no-annual-fee American Express Blue Business® Cash Card because it lets you earn 2% cash back on all eligible purchases up to $50,000 per year and 1% cash back thereafter. Its 0% APR offer on purchases stays in place for the first 12 months.

As part of this card’s welcome offer, you get to earn a $250 statement credit if you spend $5,000 on eligible purchases in the first six months. You may earn an additional $250 statement credit if you spend $10,000 or more in qualifying purchases in the first year.

You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.

Pros

• No annual fee
• Cash back rate of 2% for eligible purchases up to $50,000, then 1%
• Intro 0% APR offer
• Welcome offer of a $250 statement credit after you spend $5,000 on purchases in the first six months and another $250 after you spend $10,000 in the first year.
• Flexible credit limit
• Authorized users can be added for no additional fee
• Points are redeemed automatically

• Pay no interest for the first 12 months after acquiring the card
• Earn 2% cash back for eligible purchases with a cap of $50,000, then 1% after
• Enjoy no annual fees for the life of the card
• Earn a $250 statement credit for spending $5,000 in the first six months and another $250 after you spend $10,000 in the first year.
• Benefit from the Expanded Buying Power feature, which lets you go over the credit limit if you qualify with no penalties or fees
• Add up to 99 authorized users, free of charge

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Citi Costco Anywhere Visa Business Card for small businesses that are Costco members and are looking for a no-annual-fee card. Category-based spending lets you earn up to 4% cash back. You may redeem the cash back you earn at Costco Warehouses across the U.S. This card also comes with a competitive APR for purchases.

Using this card when traveling outside of the U.S. makes sense as it does not charge any international transaction fees.

Purchases you make using this card receive cover through extended warranty as well as damage and theft purchase protection.

Cardholders may also use the Citi Entertainment and Citi Concierge services to good effect.

Pros

• Pay no annual fees
• Pay no foreign transaction fees
• Earn 4% cash back on all gas purchases globally for up to $7,000 in spending per year, and 1% thereafter
• Earn 3% cash back when spending at restaurants and on eligible travel purchases globally
• Get 2% cash back on all non-gas related purchases at Costco and Costco.com
• Get 1% cash back on all other purchases
• Redeem cash back for cash or merchandise at Costco Warehouses across the U.S. and Puerto Rico
• Competitive APR for purchases
• Fraud early warning to safeguard your account
• Extended warranty and damage and theft purchase protection to safeguard your purchases
• Access to presale tickets and special events via Citi Entertainment
• 24/7 access to Citi Concierge

• $0 annual fee
• Competitive APR for purchases
• 4% cash back on spending of up to $7,000 per year on all gas purchases globally, and 1% thereafter
• 3% cash back on spending at restaurants and on eligible travel purchases worldwide
• All purchases at Costco and Costco.com (other than gas) come with 2% cash back
• Spending across all other categories gets you 1% cash back
• Redeem earned cash back for merchandise or cash at any Costco warehouse in the U.S. and Puerto Rico
• No foreign transaction fees
• Complimentary extended warranty and damage and theft purchase protection
• Complimentary access to Citi Concierge and Citi Entertainment
• Fraud early warning in case of suspicious activity

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.