Best Cash Back Business Credit Cards of 2024 (2024)

Personal Finance Credit Cards

Written by Tessa Campbell; edited by Katherine Fan; reviewed by Angela Fung

2024-07-19T18:36:06Z

Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Capital One Spark Cash Plus†
The American Express Blue Business Cash™ Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
FAQs
Why You Should Trust Us

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Cash Plus†, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Capital One Spark 1% Classic†. The details for these products have not been reviewed or provided by the issuer.

Introduction to Cash Back Business Credit Cards

You can earn huge rewards when you use a cash-back business credit card for your monthly business expenses. There are tons of cash back small business credit cards on the market, but not all of them offer generous welcome bonuses, terrific perks, or flexible redemption options.

Compare the Top Cash Back Business Credit Cards

Best for earning up to 5% cash back in business categories

Ink Business Cash® Credit Card

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.55/5

Perks

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Annual Fee

Intro APR

0% intro APR on purchases for the first 12 months

Regular APR

18.49% - 24.49% Variable

Intro Offer

$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Earn up to $750 bonus cash back

Recommended Credit

Good to Excellent

Pros

Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Intro APR offer for purchases
No annual fee
You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel

Cons

Annual cap on bonus categories

Insider’s Take

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

Ink Business Cash review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Show Pros, Cons, and More

Best Chase card with unlimited flat-rate cash back

Ink Business Unlimited® Credit Card

Apply now

On Chase's website

Insider’s Rating

4.25/5

Perks

Earn unlimited 1.5% cash back on purchases.

Annual Fee

Best Cash Back Business Credit Cards of June 2024

Ink Business Cash® Credit Card: Best cash back business card for earning up to 5% back
Ink Business Unlimited® Credit Card: Best cash back business card from Chase with unlimited flat-rate cash back
Capital One Spark Cash Plus† : Best cash back business card for big spenders
The American Express Blue Business Cash™ Card: Best cash back business card for up to 2% cash back on all purchases
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® : Best cash back business card with a 0% intro APR offer

Cash Back Business Credit Card Reviews

Earning cash back is one of the best forms of rewards for small businesses because it's incredibly easy to use. Whether you redeem yours as a statement credit on your outstanding credit card balance or use it toward travel or other rewards, cash back is king in many ways.

Our business credit card experts scoured the current landscape to bring you this list of the most valuable cash-back business credit cards on the market in 2024.

Best Cash-Back Business Card for Earning Up to 5% Back: Ink Business Cash® Credit Card

The Ink Business Cash has no annual fee and earns bonus rewards on popular spending categories with flexible redemption options.

The Ink Business Cash is marketed as a cash-back card, but it actually earns Chase Ultimate Rewards points, some of the most valuable rewards in the cards ecosystem: Business Insider evaluates Ultimate Rewards at an average value of 1.8 cents per point.

Cardholders earn:

5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
1% cash back (1x point per dollar) on all other purchases with no cap

The generous Ink Business Cash welcome bonus offer and terrific cash back rewards make it a great choice for your monthly business expenses. Keep in mind your 5x and 2x bonus points are capped after the first $25,000 spent per yearin each bonus category, after which you'll only earn 1 point per dollar. So if your business expenses easily exceed the $25,000 cap, you might want to consider a different cash-back business credit card.

You can redeem your points for cash directly or as a statement credit or gift card; airline tickets, hotel accommodations, car rentals, activities, and cruises booked through Chase TravelSM Portal; and other products and services from third-party merchants.

The Ink Business Cash offers 0% intro APR on purchases for the first 12 months(then a 18.49% - 24.49% Variable APR). If you plan on spending a large chunk of cash on supplies, technology, or equipment, the intro APR offer could help you pay off large expenses over time without incurring high interest charges.

Ink Business Cash cardholders also receive decent purchase and travel protection benefits, such as auto rental insurance, travel and emergency assistance services, purchase protection, and extended warranty protection. Plus, employee cards are free and can be tracked with bookkeeping software and account management tools.

Read our Chase Ink Business Cash credit card review to learn more about this card.

Best Cash-Back Business Card From Chase with Unlimited Flat-Rate Cash Back: Ink Business Unlimited® Credit Card

The Ink Business Unlimited earns unlimited cash back on all purchases (no cap), also with no annual fee. It comes with a welcome bonus and has a generous 0% intro APR offer on purchases, but not balance transfers.

Like the Ink Business Cash, the Ink Business Unlimited earns Chase Ultimate Rewards points. The primary difference between the cards is their earning rate: The Ink Business Unlimited earns 1.5% cash back (1.5 points per dollar) on all purchases.

This card comes with 0% intro APR on purchases for the first 12 months (then a 18.49% - 24.49% Variable APR).

Just like the Ink Business Cash, you can redeem your points for cash, statement credits, gift cards, travel booked through Chase, and for other products and services from third-party merchants. Your points won't expire as long as the account is open, employee cards are free, and you'll get access to tools that can help your small business.

Ink Business Unlimitedcardholders also receive benefits like fraud protection, auto rental collision damage waiver, extended warranty protection, travel and emergency assistance services, and purchase protection. However, there is a foreign transaction fee which means it's not an ideal credit card for travel overseas.

Read our Chase Ink Business Unlimited credit card review to learn more about this card.

Best Cash-Back Business Card for Big Spenders: Capital One Spark Cash Plus†

The Capital One Spark Cash Plus† is a great credit card for businesses that need the flexibility of no preset spending limit, for a moderate annual fee. Plus, big spenderscan earn an additional yearly bonus.

Cardholders can earn 2% unlimited cash back rewards on every purchase, and the Capital One Spark Cash Plus† doesn't have a preset spending limit. Instead, your spending limit is determined by spending behavior, payment history, credit profile, and other factors. The card also earns 5% cash back rewards on hotels and rental cars when you use Capital One Travel for your bookings. In addition, you can earn a $150 bonus every year you spend $150,000.

The Capital One Spark Cash Plus† has no regular APR because you pay the full balance each month (if you don't, you'll be charged a 2.99% monthly late fee).

The Capital One Spark Cash Plus†allows managers to access accounts from multiple devices, track and monitor employee purchases, lock and unlock employee cards, and receive alerts on flagged purchases. Also, employees earn rewards when they use their cards.

Rewards are redeemable as statement credits, checks, or gift cards. Further, the Capital One Spark Cash Plus† has great benefits like no foreign transaction fees, free employee cards, travel and purchase protection***, and payment flexibility.

Read our Capital One Spark Cash Plus card review to learn more about this card.

Best Cash-Back Business Card for Up to 2% Cash Back on All Purchases: The American Express Blue Business Cash™ Card

The Amex Blue Business Cash Card earns 2% cash back on the first $50,000 spent per calendar year (then 1% back). It comes with a decent welcome bonus, a good intro APR offer, and a selection of travel and shopping benefits.

You earn 2% cash back on all purchases (up to $50,000) each year – you'll earn 1% cash back then after –with the Amex Blue Business Cash Card for no annual fee.

You can receive 0% intro APR on purchases for 12 months from account opening(then a 18.49% - 26.49% Variable APR). This makes it a great option for businesses looking to pay off larger purchases over multiple billing cycles.

The card offers a welcome bonus from time to time: $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.

Your cash back rewards will be automatically credited to your statement. So if you don't want to redeem your rewards as statement credits, this card isn't a good fit. Also, if you plan on spending well over $50,000 annually, you should consider a different cash-back business credit card without a spending cap.

The Amex Blue Business Cash Card includes benefits like car rental loss and damage insurance, purchase protection, extended warranty, and access to Amex Offers**. Employee cards can be set up with spending limits (you can do so online or by calling American Express), as well as alerts and management through the American Express App.

Read more about this card in our Amex Blue Business Cash card review.

Best Cash-Back Business Card with a 0% Intro APR Offer: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The $0 annual fee U.S. Bank Business Triple Cash Rewards World Elite Mastercard earns unlimited cash back on gas, office supply stores, travel, and cell phone service providers (no cap). Folks also receive a terrific intro APR offer, annual software credit, and solid rewards and perks (including World Elite Mastercard benefits).

You'll earn 3% cash back at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants (1% cash back on all other eligible purchases). You'll also earn 5% cash back on prepaid hotels and car rentals when you use the Rewards Center for your bookings.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is ideal for businesses that spend big in these bonus categories, and those who would benefit from the decent intro APR offer. You'll also earn a $100 software credit every year toward subscriptions like FreshBooks or Quickbooks.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard offers 0% intro APR on purchases and balance transfers for 15 billing cycles (then a 19.24% - 28.24% Variable APR).

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard charges foreign transaction fees, which makes it less ideal for travel overseas. The card also has a high spending requirement before you can unlock the bonus. It's important to keep in mind that purchases made by authorized users don't count towards the minimum spending requirement.

You can redeem rewards as a statement credit or a direct deposit (the minimum to redeem is $25). You can also redeem rewards with Real-Time Rewards which you can then use to cover eligible purchases charged to your card.

Read more about this card in our U.S. Bank Business Triple Cash Rewards card review.

Cash-Back Business Credit Card Frequently Asked Questions

Can you get cash back on a business credit card?

Many business credit cards offer cash back rewards. Our guide showcases our top picks, starting with the Ink Business Cash, which earns up to 5% back on certain categories such as Internet bills and office supplies.

How do I choose the best cash-back business card for me?

Choose a cash back business card based on your company's spending habits and financial goals. If your typical expenses don't fall within most credit card bonus categories, a card that earns a flat rate of cash back across all purchases is probably the best choice for you. Alternatively, try to find a card that offers specific perks and benefits that could benefit your business such as employee card benefits, no foreign transaction fees, and travel and purchase protection.

Will I be taxed for earning cash back on a business credit card?

Cash back on a business credit card is generally not taxable. Credit card rewards are usually considered rebates on purchases, not income. However, you should always consult with a tax professional about your personal tax situation.

Do I need an EIN to get a business card?

You can use your EIN (employee identification number issued by the IRS) and your Social Security Number (SSN) to apply for a business card. But if you don't have one, you can apply for a business credit card with just your SSN — no EIN necessary.

Can I get a business credit card if my personal credit score is low?

Anyone with a for-profit venture can apply for a small business credit card. But if you have a low credit score, you may not be approved for the best small business credit cards.

You might still be eligible for business cards geared toward those with limited or fair credit, such as the Capital One Spark 1% Classic† . And if you have poor credit, you may be eligible for a personal secured credit card, which can raise your credit score with responsible use.

Can I use my business card for personal expenses?

You can technically use your business card for personal purchases, but that doesn't mean it's wise. Keeping business and personal expenses separate makes things easier at tax time, for starters, so making personal purchases on your business credit card can make things more difficult to track.

Some credit card issuers also take a dim view of making personal purchases on a business credit card, so it's best to avoid the practice.

Why You Should Trust Us: How We Chose The Best Cash-Back Business Credit Cards

Small business credit cards run the gamut from invaluable to worthless. Some offerings are considerably better than others, and cash-back credit cards are no exception.

This guide covers the best cash-back business credit cards in our experts' estimation, based on the following features:

Large welcome bonus
High return rates
Practical (and valuable) ongoing benefits

Here's more abouthow we rate and review credit cards at Business Insider.

Tessa Campbell

Investing and Retirement Reporter

Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.ExperienceTessa currently reports on all things investing — deep-diving into complex financial topics, shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.Expertise:Tessa’s expertise includes:

Credit cards
Investing apps
Retirement savings
Cryptocurrency
The stock market
Retail investing

Education:Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisem*nt, and it worked.