Best Business Credit Cards for Cash Back in 2023

The Capital One Spark Cash Plus is ideal for businesses that wish to earn 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 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 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% introductory APR offer on purchases stays in place for the first 12 months, then a variable APR of 17.74% – 25.74% after.

As part of this card’s welcome offer, you get to earn a $250 statement credit if you spend $3,000 on eligible purchases in the first three months. 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, then a variable APR of 17.74% – 25.74% after.
• Welcome offer of a $250 statement credit after you spend $3,000 on purchases in the first three months.
• 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, then a variable APR of 17.74% – 25.74% after.
• 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 $3,000 in the first three months
• 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 Costco Anywhere Visa® Business Card by Citi 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
• Earn 2% cash back on all non-gas related purchases at Costco and Costco.com
• Earn 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.