Best Cash Back Business Credit Cards

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If you own a business or work as a freelancer and don’t yet have a business credit card, you may want to consider getting one. A business credit card can help you streamline your budget, add flexibility to your business’ cash flow, and keep your business expenses separate from your personal spending. 

But to maximize your value, it’s essential to get a credit card that fits your business spending and credit goals. If you’re looking for a simple way to get more value on your regular expenses, a cash back card with flexible rewards is a great choice.

“Cash back business cards are so simple, and I think a lot of business owners don’t want to jump through a lot of hoops,” says Ted Rossman, senior industry analyst at Creditcards.com (which is owned by Red Ventures, like NextAdvisor). “They just want to keep it simple, straightforward, and worry about their business, not which credit card to use.”

Here’s why we like cash back cards for business owners — and a few options to consider for your small business or side hustle. 

How Do Cash Back Business Cards Work?

Like general cash back credit cards, cash back business cards tend to offer easy, straightforward cash rewards, giving you an effective discount of 1% to 5% on the things you buy for your business or side hustle. They’re especially handy for freelancers or side hustlers whose business expenses don’t fit into traditional business card categories, like travel or office supplies. Many don’t charge annual fees, and they tend to offer better sign-up bonuses than personal credit cards — though you may also be required to meet a higher spending threshold.

“A lot of businesses spend a lot anyway, so it goes back to this idea of getting something for nothing and basically leveraging money you would have spent anyway,” says Rossman. 

Also like personal cash back cards, there are different types of business cash back cards. Some offer boosted rewards in various bonus categories, like internet and phone services or gas stations, while others offer flat cash back on every purchase. 

Rossman says he recommends keeping it simple with a flat rate; this can be especially useful if your expenses vary month-to-month, or your highest spend categories are outside traditional rewards categories.”

Applying for a Cash Back Business Credit Card

You must have some type of business to apply for a business credit card, but you don’t have to be a business owner in the traditional sense. Everyone from full-time freelancers to part-time gig workers and people with side hustles can qualify.

Pro Tip

Just like a personal credit card, it’s important to maintain good credit habits with your business card, like spending only what you can afford to pay down each month and paying your bills on time. 

In addition to benefits and rewards, a big benefit of business cards (especially for sole proprietors) is the ability to separate your business and personal spending from one another. Not only is that helpful for budgeting, but can make it much simpler to file your taxes. These cards also usually offer extremely detailed year-end summaries of your purchases and allow you to download your records into business accounting programs.

Often, you’ll be asked to include your personal information along with business info during the application process. That means the card issuer may look at your personal credit score and your payment history to determine your approval terms. Any debt you take on using the business card could affect your personal credit and business credit.

Pros and Cons of Getting a Cash Back Business Card

Pros

  • Separate personal and business spending

  • Access to credit line for business expenses — many offer higher credit limits than personal cards

  • Earn cash back on business spending and enjoy added cardholder benefits

  • Qualify for valuable sign-up bonus

  • Build your business credit score

  • Many have no annual fees

Cons

  • Can be difficult to qualify if you don’t have good personal credit

  • Foreign transaction fees

  • Some cards have earning caps for cash rewards

  • May not offer as high rewards rates as other business cards

  • High ongoing APRs

  • Fewer consumer protections than other types of credit cards

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Editor’s Score: (N/A)
  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Capital One Spark Cash Plus

Capital One Spark Cash Plus

Editor’s Score: (N/A)
  • Intro bonus:
    Up to $1,000 cash bonus
  • Annual fee:
    $150
  • Regular APR:
    N/A
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Editor’s Score: (N/A)

Best Cash Back Business Credit Cards

Having a dedicated card for your business or side hustle can help you earn great rewards on your spending and keep your business’ finances in order. Here are a few of our favorite cash back business cards.

Chase Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card
Editor’s Score: (N/A)
Apply Now externa link icon At Chase’s secure site.
Ink Business Unlimited® Credit Card
Editor’s Score: (N/A)
  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • No bonus categories to keep track of
  • Generous sign-up bonus
  • No annual fee
  • 0% APR on purchases for 12 months
Cons
  • Some cash back business cards offer a higher rewards rate
  • High spending threshold for sign-up bonus
  • Charges foreign transaction fees
  • Rewards don’t transfer to Chase airline and hotel partners
The Bottom Line
The Chase Ink Business Unlimited Credit Card keeps things simple with a flat 1.5% back for each dollar spent. A generous bonus offer and an introductory APR offer for purchases help it stand out as a solid business credit card pick.

Additional Card Details

  • 0% APR on purchases for 12 months, followed by a variable APR of 13.24% to 19.24% Free employee cards
  • Account management and expense tracking tools for your business
  • Extended warranty coverage
  • Purchase protection against damage and theft
  • Primary rental car coverage when renting a car for business purchases
  • Travel and emergency assistance services
  • Roadside dispatch

With the Chase Ink Business Unlimited card, you’ll earn an unlimited 1.5% cash back on all purchases for no annual fee. You can also earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. For the first 12 months from account opening, you’ll get 0% APR on new purchases, followed by a variable APR of 13.24% to 19.24%.

Chase Ink Business Cash® Credit Card

Ink Business Cash® Credit Card Ink Business Cash® Credit Card
Editor’s Score: (4.0/5)
Apply Now externa link icon At Chase’s secure site.
Ink Business Cash® Credit Card
Editor’s Score: (4.0/5)
  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

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 card purchases with no limit to the amount you can earn.

With the Chase Ink Business Cash Credit Card, you’ll get up to 5% cash back on the first $25,000 in combined purchases each account year at office supply stores and on internet, cable and phone services. You’ll also earn 2% on the first $25,000 in combined purchases each year at gas stations and restaurants and 1% on all other purchases. There’s no annual fee and you can qualify for a $750 cash welcome bonus after you spend $7,500 on purchases in the first 3 months from account opening. Plus, there’s a 0% intro APR on purchases for 12 months from account opening, and 13.24% to 19.24% ongoing variable APR after that.

Capital One Spark Cash Plus

Capital One Spark Cash Plus Capital One Spark Cash Plus
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site.
Capital One Spark Cash Plus
Editor’s Score: (N/A)
  • Intro bonus:
    Up to $1,000 cash bonus
  • Annual fee:
    $150
  • Regular APR:
    N/A
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.

NextAdvisor’s Take

Pros
  • No preset spending limit
  • Great flat-rate rewards on spending
  • Generous bonus offer
  • Potential for annual cash back bonus
Cons
  • No option to carry a balance
  • High annual fee for a cash back card
  • Minimal cardholder benefits
  • High spending required to maximize rewards
The Bottom Line
The Capital One Spark Cash Plus is a business card that comes with no preset spending limit, and earns 2% back on all purchases. Business owners can score a sign-up bonus worth up to $1,000 and an annual cash bonus of $200 after meeting a minimum spend on their card each year.

Additional Card Details

  • Score an annual cash bonus of $200 when you spend $200,000 or more on your card in a year
  • Pay-in-full card with no preset spending limit (2.99% fee on any balances not paid in full each month)
  • Download spending reports to Quicken®, QuickBooks®, and Excel®
  • Free employee cards
  • No foreign transaction fees on purchases made abroad
  • Roadside assistance
  • Extended warranty protection for extra year of coverage on purchases that come with a manufacturer’s warranty

Capital One’s Spark Cash Plus card comes with a $150 annual fee, and an unlimited  2% cash back on all purchases. To offset the cost of the annual fee in rewards, you would need to spend at least $7,500 on business expenses each year. This card also has a lucrative sign-up bonus, especially if you already have a large budget for your business. To start, you can earn $500 once you spend $5,000 in the first 3 months. Then, you can qualify for an additional $500 once you spend a total of $50,000 in the first 6 months of account opening. This card is a charge card with no preset APR or spending limit, so you must pay your statement balance in full each month.

Capital One Spark Cash Select

Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select for Business
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site.
Capital One® Spark® Cash Select for Business
Editor’s Score: (N/A)
  • Intro bonus:
    $500
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 19.24% (Variable)
  • Recommended credit score:
    740-850 (Excellent)
Rewards rate:

Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions.

NextAdvisor’s Take

Pros
  • Unlimited 1.5% cash back rewards
  • Generous bonus offer
  • No annual fee
Cons
  • Some business cards offer higher cash back rates
  • Potential for high APR
  • Excellent credit required
  • Few cardholder benefits
The Bottom Line
The Capital One Spark Cash Select is a business credit card that offers 1.5% back on all spending with no annual fee. The rewards you earn on business expenses with this card can be redeemed for cash back or statement credits, but you’ll need excellent credit to qualify.

Additional Card Details

  • Year-end summaries let you track your business spending
  • Download spending reports to Quicken®, QuickBooks®, and Excel®
  • Free employee cards
  • No foreign transaction fee
  • Roadside assistance hotline
  • Extended warranty coverage

Earn 1.5% cash back on all purchases for no annual fee with the Capital One Spark Cash Select, plus a $500 bonus when you spend $4,500 in the first 3 months of account opening. If your business spending isn’t high enough to justify the annual fee of Capital One’s other cash back business card, the Spark Cash Plus, this could be a good alternative option for rewards on every purchase.

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
American Express Blue Business Cash™ Card
Editor’s Score: (N/A)
  • Intro bonus:
    $250
  • Annual fee:
    No annual fee
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. 1% cash back on all eligible purchases after spending $50,000 per calendar year.

NextAdvisor’s Take

Pros
  • Simple flat rewards rate on business spending
  • Introductory APR offer for purchases
  • No annual fee
  • Consumer protections included
  • Flexible credit limit
Cons
  • 2% back is capped after $50,000 in spending per year
  • Introductory rate doesn’t apply to balance transfers
  • High APR after introductory offer ends
  • Rewards are good for statement credits only
The Bottom Line
The American Express Blue Business Cash Card helps business owners earn 2% back on the first $50,000 they spend each year (then 1% back) with no annual fee. An introductory APR offer for purchases and consumer protections make this offer even more valuable — but if your business has an annual budget much larger than $50,000, you should probably consider other options.

Additional Card Details

  • 0% APR on purchases for 12 months, followed by a variable APR of 13.24% to 19.24%
  • Secondary auto rental coverage when you use your card to pay for a rental car (liability coverage not included)
  • Access a Global Assist hotline for emergency assistance when you’re more than 100 miles from home
  • Automatic extended warranty coverage on eligible items that come with a manufacturer’s warranty of five years or less
  • Purchase protection against damage or theft, up to 90 days after the purchase date

Earn 2% cash back on up to $50,000 in purchases per year, and 1% after that with the American Express Blue Business Cash Card. There’s no annual fee, and you can get  

 a $250 statement credit after you make $3,000 in purchases on your Card in the first 3 months. After opening your account, you’ll also get 0% APR on purchases for 12 months, followed by a variable APR of 13.24% to 19.24%.

Bottom Line

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

A cash back business card is a great option for a number of different types of business owners — whether you have a brick-and-mortar small business or work as a freelancer part-time.

When choosing a cash back business card, take a look at your business’ budget and expenses to make sure you’re getting the benefits that best align with your spending. 

And most importantly, always make sure you practice good credit habits with your business credit card. Stick to your business’ budget and charge only what you can afford to pay when your statement is due, to avoid taking on high interest as well as any negative effects on your business or personal credit.