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.
MoneyGeek's Take
Best Business Credit Cards for Cash Back in 2023
This article is part of our larger series on Best Business Credit Cards

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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 Ink Business Cash® Credit Card and the Capital One Spark Cash Select - $500 Cash Bonus 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.
- Capital One Spark Cash Plus
Excellent card for earning rewards through employee spending
- ExcellentRecommended Credit
- $150Annual Fee
- 2% Cash BackRewards Rate
- 2xRewards Rate on Gas
- 2xRewards Rate on Groceries
- American Express Blue Business Cash™ Card
A simple cash back rewards card that helps you avoid hassles
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–2% Cash Back*Rewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Gas
- Costco Anywhere Visa® Business Card by Citi
An excellent no-annual-fee rewards card for Costco members
- ExcellentRecommended Credit
- $0Annual Fee
- 1–4% Cash Back*Rewards Rate
- 4xRewards Rate on Gas
- 3xRewards Rate on Dining
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 CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- Great no preset spending limit card with flexible payback methods1.5% Cash Back$250
- A simple cash back rewards card that helps you avoid hassles1–2% Cash Back*$0
- Fantastic card for earning rewards on office supplies1–5% Cash Back*$0
- A great business card with a flat, simple rewards structure and no annual fees.1.5% Cash Back$0
- A great no-annual-fee business card with 1.5% cash back1.5% Cash Back$0
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
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.
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 Ink Business Unlimited® Credit 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.
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.
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 The Plum Card® from American Express, 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.
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.
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
- Why should small business owners favor using business cash back credit cards over consumer cash back cards?
- Why should business owners get cash back credit cards with annual fees, given that they can choose from several no annual fee alternatives?
- How can business owners maximize their cash back earning potential?

Associate Professor at SUNY Morrisville

Director, Center for Innovation and Professional Development at Webster University

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