Best Business Credit Cards for Cash Back in 2023

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a decent interest-free period on purchases. However, with no welcome offer and a cap on cash back earnings, the card's value may be slightly limited for businesses with higher spending or looking to boost their initial rewards balance.

Pros

• High flat-rate cash back
• No annual fee
• Modest intro APR offer on purchases

• 2% cash back on all purchases (up to $50,000 per calendar year, then 1%)
• Cash back applied as statement credit each billing cycle
• Introductory 0% APR on purchases for 12 months (followed by regular APR of 18.49% to 26.49% variable) (See rates and fees)
• No annual fee (See rates and fees)
• Regular variable APR of 18.49% to 26.49%
• Foreign transaction fee of 2.7% (See rates and fees)
• Expanded Buying Power - spend over your credit limit with no over-limit fee (conditions apply)
• Terms apply

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

Pros

• High flat-rate cash back on all spending
• Bonus cash back on select travel purchases
• Generous one-time cash bonus
• Comprehensive suite of business tools
• No foreign transaction fees

• Earn 2% cash back on all spending
• Earn 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn a one-time cash bonus of $1,200 after spending $30,000 in the first three months
• Annual fee of $150 (refunded if you spend at least $150,000 in a year)
• No APR (charge card)
• Business tools: free employee cards, quarterly and year-end summaries
• No foreign transaction fees
• Roadside assistance*
• Extended warranties on eligible purchases*
• Purchase assurance up to 90 days*
• Lost or damaged luggage reimbursement*

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

Pros

• Unlimited 1.5% cash back
• Bonus cash back on travel booked through Capital One Travel
• Generous sign up bonus
• No annual fee
• No foreign transaction fees
• Free employee cards

• Spend $4,500 in the first three months and earn a $500 intro bonus
• 1.5% cash back on all purchases
• 5% cash back on travel booked through Capital One Travel
• No annual fee
• No foreign transaction fees
• Free employee cards
• Tracking and monitoring of all cards
• Business reporting options, like year-end itemized summaries for taxes and purchase records in multiple formats

The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.

Pros

• Substantial cash back on business-specific categories
• Attractive welcome offer
• No annual fee
• Introductory APR offer on purchases
• Free additional employee cards

• Earn 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined spending each year)
• Earn 2% cash back at gas stations and restaurants (on up to $25,000 in combined spending each year)
• Earn 1% cash back on all other card purchases
• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Introductory 0% APR on purchases for 12 months (followed by 18.49% – 24.49% variable APR)
• No annual fee
• Foreign transaction fee of 3%
• Get employee cards for no additional fee and set individual limits

The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning. However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.

Pros

• Solid flat-rate cash back
• Generous welcome offer
• Modest intro APR on purchases

• Earn 1.5% cash back on all purchases
• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• No annual fee
• Introductory APR on purchases for 12 months (followed by variable APR of 18.49% – 24.49%)
• Foreign transaction fee of 3%
• Free employee cards