MoneyGeek's Take

Best Business Credit Cards for Cash Back in 2022

Cash back business credit cards are ideal for business owners who wish to simplify how they earn and redeem rewards. With any such card, you earn a fixed percentage of the amount you spend on purchases as cash back.

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This article is part of our larger series on Best Business Credit Cards

Getting a cash back business credit card gives you the means to earn a percentage of your business spending as cash back. With some cards, the cash back you stand to earn depends on category-based spending. Using a business credit card for cash back might be particularly beneficial if you pay your credit card bill in full every month.

Depending on the card you get, you may or may not have to pay an annual fee. Most of the top cash back business credit cards we’ve narrowed down on come with no annual fee. Examples include the Chase Ink Business Cash Credit Card and the Capital One Spark Cash Select Credit Card.

Some of the best business credit cards offer additional perks, which may include expense management tools, complimentary insurance coverage and travel benefits.

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek’s Take: Top 5 Business Credit Cards for Cash Back

Quick Summary

With a number of regular rewards cards, there are limitations on how you may redeem your rewards. For instance, you might have to redeem your reward points for travel rewards or use them to shop through specific online partner merchants. With cash back cards, you get the rewards you earn as cash back, and you are free to use this money in any way you want. The top cards we’ve selected take into account aspects such as who they are best suited for, cash back rates and annual fees. You may look for more alternatives further down the page.


  • Chase Ink Business Cash

    Fantastic card for earning rewards on office supplies


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on TV, Phone, Internet Services
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated business credit cards.

  • Capital One Spark Cash Plus

    Excellent card for earning unlimited rewards through employee spending


    • ExcellentCredit Needed
    • $150Annual Fee
    • 2% Cash BackRewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated secure cards from our partners.

  • Chase Ink Business Unlimited

    A great business card with a flat, simple rewards structure and no annual fees.


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on TV, Phone, Internet Services
    • 1.5xRewards Rate on Entertainment

    Terms, rates and fees apply

    Compare this credit card with other top-rated business credit cards from our partner.

  • American Express Blue Business® Cash Card

    A simple cash back rewards card that helps you avoid hassles


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–2% Cash Back*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

  • Citi Costco Anywhere Visa Business Card

    An excellent no-annual-fee rewards card for Costco members


    • ExcellentCredit Needed
    • $0Annual Fee
    • 1–4% Cash Back*Rewards Rate
    • 4xRewards Rate on Gas
    • 3xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated business cards from our partners.

Summary of the Best Business Cards for Cash Back

You get to choose from different cash back business credit cards based on the categories in which you spend the most. You also get to filter through your alternatives depending on the specific perks you’re after. Go through the cards listed in the corresponding table to narrow down on one that you might use to good effect.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • American Express Plum Card
    Great no preset spending limit card with flexible payback methods
    1.5% Cash Back
    $250
    Good-Excellent
  • American Express Blue Business® Cash Card
    A simple cash back rewards card that helps you avoid hassles
    1–2% Cash Back*
    $0
    Good-Excellent
  • Chase Ink Business Cash
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
    Good-Excellent
  • Chase Ink Business Unlimited
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
    Good-Excellent
  • Capital One Spark Cash Select
    A great no-annual-fee business card with unlimited 1.5% cash back
    1.5% Cash Back
    $0
    Good-Excellent
  • Capital One Spark Cash Plus
    Excellent card for earning unlimited rewards through employee spending
    2% Cash Back
    $150
    Excellent
  • Citi Costco Anywhere Visa Business Card
    An excellent no-annual-fee rewards card for Costco members
    1–4% Cash Back*
    $0
    Excellent
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When selecting a business credit card with cash back rewards, it is important to be strategic. You should never spend more money than anticipated with the goal of earning cash back from your credit card. — Brett Holzhauer, Personal Finance Journalist

About Our Rankings

Experts at MoneyGeek remain up-to-date about any noticeable change in the world of business credit cards that offer cash back. The ranking process begins by looking at all business cards that exist in our extensive database. The next step is to filter out ones that offer cash back. The cash back business card comparison that follows addresses aspects such as introductory bonuses, cash back rates and annual fees.

If you’re looking for a consumer cash back credit card that you may use for business-related spending, consider checking our selection of top cash back cards for individuals.

Top Rating Criteria for Business Cards

goodCredit
Spending Caps
signupBonus
Welcome Bonuses
rotating
Flexibility in Earning & Redeeming

How to Compare Business Credit Cards & Intro Offers

Given the significant number of cash back business credit cards out there, it is important that you compare your alternatives across different parameters.

1

Cash back rate

Depending on the card you get, you might earn a flat cash back rate across all purchases or a higher rate based on specific categories. For example, the Chase Ink Business Unlimited Card offers flat 1.5% cash back on all purchases.

The Ink Business Cash Card comes with 5% cash back at office supply stores and on internet, cable and phone services (on up to a combined total of $25,000 each year). It offers 2% cash back on the first $25,000 you spend at gas stations and restaurants each year. All other purchases come with 1% cash back.

The Costco Anywhere Visa Business Card by Citi offers 4% cash back on the first $7,000 you spend on eligible gas purchases, including gas at Costco, and 2% cash back on all other Costco and Costco.com purchases. It offers 3% cash back on restaurant and eligible travel purchases globally and 1% cash back on all other purchases.

2

Introductory offers

Some business credit cards come with introductory cash back bonuses. With these cards, you need to spend a predetermined amount within a given period to earn the bonus cash back. For example, a business credit card might offer a $500 cash back bonus if you spend $5,000 on purchases in the first three months.

3

Annual Fee

Most of the top cash back business credit cards we’ve selected come with no annual fees. Exceptions include the Capital One Spark Cash Plus Card, which comes with an annual fee of $150, and the American Express Plum Card, which charges a $250 annual fee. The former functions as a pay-in-full card, meaning you have to pay off your balance in full each month. The latter gives you the ability to carry your balance for up to 60 days without paying interest.

4

Foreign transaction fee

Pay attention to this aspect if you plan to use your card outside of the U.S. because you might need to pay a foreign transaction fee that applies to every international transaction. The Plum Card from American Express and the Costco Anywhere Visa Business Card by Citi come with no foreign transaction fees. The Ink Business Cash Credit Card, on the other hand, charges a 3% foreign transaction fee.

5

Expense management tools

The best business credit cards tend to come with various account management tools and features. For example, you might get multiple employee cards linked to the primary account to earn more cash back, and you may assign a dedicated account manager to oversee the account. Depending on the card you get, you may integrate your credit card account with popular bookkeeping software and receive year-end summaries.

Expert Advice For Finding the Right Card

We put forward a few important questions to industry experts so our readers may make well-informed decisions surrounding which cash back credit cards to select.

Expert Advice for Finding the Right Card

  1. Why should small business owners favor using business cash back credit cards over consumer cash back cards?
  2. Why should business owners get cash back credit cards with annual fees, given that they can choose from several no annual fee alternatives?
Dr. Christopher M. Scalzo
Dr. Christopher M. Scalzo

Associate Professor at SUNY Morrisville

Manel Baucells
Manel Baucells

David M. LaCross Associate Professor of Business Administration at UVA Darden

Further Reading

About the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.