6 Best Cash Back Business Credit Cards 2022

Cody Cromwell
Written by
Last update:

Chase Ink Business Cash®: Overall Best Cash Back Business Credit Card

U.S. Bank Business Cash Rewards World Elite TM MasterCard®: Best for 0% APR for 15 Billing Cycles

Capital One® Spark® Cash for Business: Best for Unlimited Fixed-rate Rewards With No Spending Cap

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Rewards In the Category of Your Choice

Chase Ink Business Unlimited®: Best for a Large Welcome Bonus & No Annual Fee

American Express Blue Business Cash TM Card: Best for Earning the Highest Fixed-rate Rewards With No Annual Fee

The Amex Blue Business Cash TM Card is one of the few cards that provides this sort of flexibility with a zero annual fee. In addition to offering a flat 2% cash back on every purchase, you can also earn 2% cash back on office supply purchases, and 1% cash back on all other purchases. The latter is the most lucrative reason to consider the card. However, there is one option that could make the card even more appealing: Blue Business Cash TM Card: Best for Earning the Highest Fixed-rate Rewards With No Annual Fee The Amex Blue Business Cashcard is one of the few cards that provides this sort of flexibility with a zero annual fee. In addition to offering a flat 2% cash back on every purchase, you can also earn 2% cash back on office supply purchases, and 1% cash back on all other purchases. The latter is the most lucrative reason to consider the card. However, there is one option that could make the card even more appealing: The Annual Pricing and Pricing AutoShip Fee

How Cash Back Business Credit Card Rewards Work

Reloadable prepaid debit card is a good way to go for small business owners who want to keep all their personal information secure.

Cash back reward credit cards are a good choice for those who want to save money by leveraging their credit card rewards.

A cash back rewards credit card can help you earn money on almost every purchase. However, some cards are designed to make your business spending easier, like the Capital One Spark Cash for Business Cash Rebate Card. Other cards, like the Wyndham Rewards Card, have no annual fee.

One benefit of consolidating your business credit cards into one card is that you could save money by not paying annual fees. Check out the top cash back business credit cards for business owners right now.

How We Evaluated the Best Cash Back Business Credit Cards

Cash back is the most popular rewards form when it comes to business credit cards. Cash accumulation is relatively easy, especially if you’re spending on your company’s credit card. Which is why these cards tend to offer one of the best levels of rewards for frequent business spending.

However, finding the best cash back business card can be a challenge depending on personal spending habits. If you’re not concerned about the rewards or don’t plan to use your card much, there are many cards that offer high credit lines, easy terms, and great perks to consider. So if you’re someone who’s willing to spend more and isn’t too concerned about earning cash back, some of the best business credit cards will be a great fit for you.

There are lots of cards with better terms and rates that give you more rewards for your spending. But if you’re someone who regularly uses your card and would like to earn cash back rewards without compromising, finding the best rates and cash back for your specific situation is imperative.

To help you find the best cash back business card for your specific situation, we looked at the following factors when searching for the top business credit cards:

The odds of receiving a great cash back reward for your spending

Bottom Line

Reviews for each individual card will be linked to.

Capital One Cash Rewards Credit Card

Review

{1}. Discover it Cash Back Credit Card
{2}. Chase Freedom Ultimate Rewards Credit Card
{3}. Kohl’s Charge Card
{4}. Discover it Student Cash Back Credit Card
{5}. Chase Freedom No Annual Fee Credit Card
{6}. Capital One Cash Rewards Credit Card

The Capital One Cash Rewards credit card is pretty easy to qualify for and comes with no annual fees, which is a plus. Its cash back rewards are valid on purchases everywhere and you get a 1.5% cash back on every purchase and another 1% for Business purchases (up to a total of 3% cash back).

For a card designed for small purchases, I think its rewards are pretty good and worth taking the time to keep this card.

Discover it Cash Back Credit Card

The Discover it Cash Back credit card offers 2% cash back on all purchases, with no category restrictions. For cards targeted at credit card beginners, this should be pretty close to perfect. The Discover it Cash Back credit card is designed as a credit card for people with little to no credit history. If you have a solid history without any recent delinquencies or hard inquiries, you may be able to qualify for this no annual fee card.