Best business credit cards for cash back

Not all business credit cards are created equally but you can count on one thing: choosing the best cash back credit card can deliver additional profit for your business, along with a slew of other perks. Once you begin to accrue cash back, you can either reinvest the funds in the business or use them for other purposes. 

No matter how much you spend, choosing the right business credit card for your needs can lead to better opportunities.  Here are some suggestions to help you decide which is the best option for you.

Best for no annual fee:  American Express® Blue Business Cash Card

Essentials: 

  • Annual Fee: $0
  • Earn 2% cash back on your spending up to $50,000 annually, then earn 1%
  • APR: 14.99% to 20.99%
  • 0% introductory APR on purchases and balance transfers for 12 months

Even better: 

The American Express Blue Business Cash Card lets you make purchases above your credit limit while still earning cash back. You also get access to competitive travel perks, such as car rental loss, damage insurance and the Global Assist Hotline. Managing your business expenses is also simplified with the card’s QuickBooks integration and Spend Manager feature, which helps you add receipts to transactions through your smartphone or computer. 

Best for unlimited rewards:  Capital One® Spark® Cash for Business

Essentials: 

  • Annual Fee: $0 for the first year, then $95 annually
  • Earn unlimited 2% cash back on purchases with no redemption minimum
  • APR: 19.24%
  • Intro Bonus: $500 cash bonus by spending $4,500 in the first three months

Even better: 

Keep your business protected with ongoing fraud alerts from Capital One when you sign up for this card. You can also increase your cash back with free employee cards, which accrue rewards. If you frequently travel for work, you’ll enjoy no transaction fees, not to mention complimentary damage waivers on car rentals. When it comes time to balance the books, simply download your card purchase information directly into Quicken, QuickBooks or Excel.

Best for matching cash back:  Discover it® Business Card

Essentials:

  • Annual Fee: $0
  • Earn 1.5% cash back with automatic matching at the end of your first year
  • APR: 14.99% to 22.99%
  • 0% intro APR for 12 months on new purchases

Even better: 

The Discover it Business Card lets you track your expenses and is compatible with Quicken, QuickBooks and Excel. There are also extensive fraud protection features, including social security number alerts and a $0 fraud liability guarantee. You’ll receive an identity alert if a new account is listed on your Experian credit report or if your social security number appears on any monitored Dark Web site. The Discover it Business Card also provides you with regular FICO credit score updates. You can earn cash back rewards on employee purchases as well.

Best for choosing your own rewards categories:  Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Essentials:

  • Annual Fee: $0
  • 3% cash back in the category of your choice, plus additional tiers of cash back
  • 14.24% to 24.24% APR
  • 0% intro APR on purchases during first nine billing cycles
  • Intro Bonus: $300 statement credit when you make $3,000 in net purchases during first 90 days 

Even better: 

The Bank of America Business Advantage Cash Rewards Mastercard offers a unique cash back rewards system. Choose from one of the following categories to earn 3% on all qualifying purchases: gas stations, office supply stores, travel, TV/telecom and wireless, computer services or business consulting. Additionally, earn 2% on dining and 1% on everything else purchased with the card. There is a $50,000 limit on the higher earning tiers, which then drop to 1%. 

Other features include higher tiers of earning available to Preferred Rewards for Business Platinum Honors members. Card holders also receive $100,000 in travel accident insurance and auto rental insurance, plus additional travel-related services like lost luggage insurance. If your business uses QuickBooks, all of your transactions can be downloaded directly.

Best for large signup bonus:  Ink Business Unlimited℠ Credit Card

Essentials:

  • Annual Fee: $0
  • 1.5% unlimited cash back
  • 15.24% to 21.24% APR
  • 0% intro APR for the first 12 months on all new purchases
  • Intro Bonus: $500 cash back bonus when you spend $3,000 during the first three months

Even better: 

The Ink Business Unlimited Credit Card from Chase gives you access to redeem your points as cash, as a statement credit or through Chase Ultimate Rewards. You can also use your points for Apple purchases via the Apple Ultimate Rewards Store or for gift cards to more than 150 retailers. 

Another benefit with this card is the extensive travel coverage, which includes auto rental collision damage waiver, travel and emergency assistance and roadside dispatch. Chase Ink also integrates easily into your bookkeeping software for simplified cash management.

Best for balance transfers:  The Blue Business® Plus Credit Card from American Express

Essentials:

  • Annual Fee: $0
  • Earn 2X points in the first year (up to $50,000) and 1X points the following years
  • APR: 14.99% to 20.99%
  • 0% intro APR for the first 12 months on both purchases and balance transfers

Even better: 

The Blue Business Plus Credit Card comes with Expanded Buying Power, which gives you an automatic increase on your credit limit as needed. Employee cards come at no additional cost and also contribute to your points accrual. 

Two tools are especially useful for cash management, including Spend Manager to help track your receipts and a QuickBooks connection that automatically transfers your transactions into your bookkeeping software.