Business Credit Cards Offering Cash Back
Business credit cards offering cash back can be an invauabe financia too for any business ooking to optimize its expenses and streamine its finances. These cards not ony provide a convenient means of managing cash fow but aso reward businesses for their spending with cash back on various purchases. This makes them a popuar choice for entrepreneurs and sma businesses aiming to maximize their return on investment.|
Advertisement
The main advantage of using business credit cards that offer cash back ies in their abiity to return a portion of your everyday business expenses, effectivey owering your operationa costs. Many of these cards come with no annua fees, excusive discounts, and additiona benefits such as trave insurance or purchase protection. Furthermore, some cards provide higher cash back rates for specific categories of spending, such as office suppies, utiities, or trave, aowing businesses to strategicay choose the card that best aigns with their spending habits. These rewards can add up significanty over the year, giving businesses more financia fexibiity and added resources to invest in growth and deveopment opportunities.
American Express Blue Business Cash™ CardView AllAmerican Express Blue Business Cash™ Card - 2% cashback, $0 annual fee, simple business card.
Chase Ink Business Cash® Credit CardView AllChase Ink Business Cash® Credit Card - Cashback, no annual fee, business expenses rewards.
Capital One Spark Cash for BusinessView AllCapital One Spark Cash for Business - Unlimited 2% cash back on all business purchases.
Bank of America Business Advantage CashView AllBank of America Business Advantage Cash - Cash back rewards credit card for small businesses.
Citi® Double Cash Card – 18 month BT offerView AllCiti® Double Cash Card – 18 month BT offer - Earn 2% cash back, 18-month balance transfer offer.
Discover it® Business CardView AllDiscover it® Business Card - 0% intro APR, cash back, no annual fee.
Wells Fargo Business Platinum Credit CardView AllWells Fargo Business Platinum Credit Card - Flexible reward options, tailored for small businesses.
U.S. Bank Business Cash Rewards World Elite™View AllU.S. Bank Business Cash Rewards World Elite™ - U.S. Bank Business Cash Rewards World Elite™: cashback, no annual fee.
PNC Cash Rewards® Visa Signature®View AllPNC Cash Rewards® Visa Signature® - Cash rewards card with bonus categories, no annual fee.
BBVA Compass Visa® Business RewardsView AllBBVA Compass Visa® Business Rewards - Credit card with rewards for small business expenditures.
Business Credit Cards Offering Cash Back
1.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a versatile credit card designed for small business owners. It offers 2% cash back on the first $50,000 spent annually on eligible purchases and 1% thereafter. The card includes no annual fee, flexible spending capacity, Expanded Buying Power, and peace of mind with features like purchase protection and extended warranty. Additionally, cardholders gain access to helpful business tools, including integration with QuickBooks and year-end summaries, making it an excellent choice for managing and maximizing business expenses efficiently.
Pros
2% cash back on first $50K- no annual fee
Cons
Limited rewards after $50K- fewer acceptance locations.
2.
Chase Ink Business Cash® Credit Card
The Chase Ink Business Cash® Credit Card is a robust financial tool for small businesses, offering generous rewards and comprehensive benefits. 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. Additionally, get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% on all other purchases. With no annual fee and features like fraud protection and purchase coverage, it's designed to support your business growth efficiently.
Pros
- No annual fee
- excellent cash back rates
- valuable business rewards.
Cons
- High APR
- limited travel perks.
3.
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is a valuable credit card designed for business owners seeking straightforward cash rewards. It offers an impressive unlimited 2% cash back on all purchases, simplifying expense management without worrying about categories or caps. New cardholders can benefit from a substantial welcome bonus when meeting initial spending requirements. Additional perks include no foreign transaction fees, free employee cards, and robust expense tracking tools. Ideal for business owners who prioritize simple, generous cash rewards, the Spark Cash for Business streamlines financial management while maximizing returns on everyday spending.
Pros
- Unlimited 2% cash back
- no category restrictions
- no minimums.
Cons
- Annual fee
- high APR
- requires excellent credit.
4.
Bank of America Business Advantage Cash
The Bank of America Business Advantage Cash Rewards Mastercard® is a robust credit card designed for small business owners. It offers a flexible cash back program, including 3% on chosen categories like gas stations, office supply stores, or travel, and 2% on dining for the first $50,000 in combined choice category/dining purchases each year. Additionally, it provides 1% cash back on all other purchases. With no annual fee and access to a range of business benefits, it’s an excellent tool for managing expenses while earning rewards tailored to business needs.
Pros
- High cash back
- no annual fee
- additional bonuses for Preferred Rewards members.
****
Cons
- Requires good credit
- variable APR.
5.
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is a versatile cash back credit card that rewards you with 2% on every purchase, 1% when you buy and 1% as you pay. Ideal for those looking to consolidate debt, it features an 18-month introductory APR on balance transfers. Post-introductory period, a variable APR applies. This card comes without an annual fee, making it a practical choice for savvy consumers interested in maximizing cash back rewards and managing their finances more efficiently. Note, balance transfers do incur a fee.
Pros
- 2% cash back; 0% APR for 18 months on balance transfers.
Cons
- No intro APR on purchases; 3% BT fee.
6.
Discover it® Business Card
The Discover it® Business Card is a versatile financial tool designed for small business owners, offering unlimited 1.5% cash back on every purchase. Unique features include a cash back match for the first year, effectively doubling the rewards earned. The card comes with no annual fee and provides enhanced security with free alerts and monitoring services. Business-friendly perks such as free employee cards, flexible repayment options, and detailed expense tracking make it an ideal choice for managing business finances efficiently and maximizing value on everyday expenditures.
Pros
- Cash back rewards
- no annual fee
- intro APR.
Cons
- Limited business-specific perks
- international transaction fees.
7.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is a versatile financial tool designed for small business owners looking to streamline expenses and maximize rewards. Cardholders can choose between earning cash back or reward points on every purchase, making it adaptable to diverse spending habits. With no annual fee, a competitive APR, and perks like zero liability protection and management tools, this card offers both security and flexibility. Additionally, it provides access to free employee cards, helping businesses manage spending and grow efficiently. Ideal for businesses focused on maximizing value and operational efficiency.
Pros
- Low fees
- rewards options
- flexible financing
Cons
- Strict approval
- no intro APR
- limited benefits.
8.
U.S. Bank Business Cash Rewards World Elite™
The U.S. Bank Business Cash Rewards World Elite™ card offers businesses a powerful financial tool with lucrative rewards. Cardholders earn 3% cash back on eligible gas, office supply store, and cell phone/service provider purchases, 1% on other eligible net purchases. Additionally, there's a $500 cash back bonus after spending $4,500 within the first 150 days of account opening. With no annual fee and a 25% annual cash back bonus based on prior year’s rewards (up to $250), this card combines flexibility and value, ideal for managing and maximizing business expenses.
Pros
- 3% cash back on eligible purchases
- no annual fee
- introductory APR.
Cons
- Limited high-reward categories
- foreign transaction fee.
9.
PNC Cash Rewards® Visa Signature®
The PNC Cash Rewards® Visa Signature® card is a versatile cashback credit card designed to reward everyday spending. It offers 4% cash back on gas station purchases, 3% on dining, 2% at grocery stores, and 1% on all other purchases. Additionally, new cardholders can benefit from a $200 bonus after meeting a minimum spending requirement in the first three months. With no annual fee, the card also features competitive introductory APR offers on purchases and balance transfers, making it a practical choice for maximizing rewards and managing expenses.
Pros
- High cashback rates; no annual fee; flexible redemption.
Cons
- High APR; foreign transaction fees.
10.
BBVA Compass Visa® Business Rewards
The BBVA Compass Visa® Business Rewards card is designed to enhance financial efficiency for business owners. It offers a robust rewards program, allowing cardholders to earn points on everyday business purchases, which can be redeemed for travel, merchandise, and more. With no annual fees, it provides cost-effective financial management. Additional features include expense tracking, customizable spending controls for employees, and online account management tools. The card also supports fraud protection and provides travel and emergency assistance, making it a valuable tool for managing business expenses and optimizing financial health.
Pros
- Earn points on purchases
- no annual fee
Cons
- Limited reward categories
- regional restrictions.