Looking for the best cash back business credit cards to maximize your savings and earn rewards on your company expenses? We’ve got you covered. These cards not only help you save money but also offer additional benefits for small businesses. Whether you’re a big spender, prefer a flat rate cash back structure, or want to earn cash back on all your purchases, there’s a card that suits your needs. Let’s explore the top options available in the market.
Key Takeaways: Best Cash Back Business Credit Cards
- Choosing the right cash back business credit card can help you maximize savings and earn rewards on your company expenses.
- Consider factors such as rewards rates, welcome bonuses, and additional benefits when comparing different cards.
- The Chase Ink Business Cash card is a top choice for earning up to 5% cash back on office supply store purchases and internet, cable, and phone services.
- The Chase Ink Business Unlimited card offers a flat rate of 1.5% cash back on all purchases, making it easy to maximize your rewards.
- The Capital One Spark Cash Plus card is ideal for big spenders, with unlimited 2% cash back on all purchases.
- The American Express Blue Business Cash card allows you to earn up to 2% cash back on eligible purchases.
- The U.S. Bank Business Triple Cash Rewards World Elite Mastercard combines cash back rewards with a 0% intro APR period.
Chase Ink Business Cash
The Chase Ink Business Cash card is a top choice for businesses looking to earn cash back on their purchases. With this card, you can earn up to 5% cash back on office supply store purchases and internet, cable, and phone services. The card also offers a generous welcome bonus and various perks for small business owners.
Key Features of Chase Ink Business Cash:
- Earn up to 5% cash back on office supply store purchases and internet, cable, and phone services
- Receive a generous welcome bonus
- Enjoy perks tailored for small business owners
The Chase Ink Business Cash card is designed to provide businesses with the opportunity to earn significant cash back on their everyday expenses. By strategically using this card, businesses can maximize their savings and enjoy additional benefits tailored to their needs.
Why Choose Chase Ink Business Cash?
“With the Chase Ink Business Cash card, businesses have the potential to earn up to 5% cash back on essential purchases. This competitive rewards structure, combined with a generous welcome bonus and perks for small business owners, makes it an attractive choice for businesses seeking to maximize their cash back rewards.”
Additionally, the card offers a range of features and benefits designed to support small businesses, such as expense management tools, purchase protection, and extended warranty protection. These added perks can help business owners effectively manage their finances and protect their investments.
Whether you’re a business owner looking to earn cash back on office supplies or a company seeking to save on internet, cable, and phone services, the Chase Ink Business Cash card is a compelling choice. Its robust rewards program, welcome bonus, and tailored perks make it one of the best cash back business cards available.”
| Card Highlights | Earn | Annual Fee |
|---|---|---|
| Chase Ink Business Cash | Up to 5% cash back | No annual fee |
Chase Ink Business Unlimited
The Chase Ink Business Unlimited card is the best cash back business card from Chase with unlimited flat rate cash back. This card offers a simple and straightforward cash back structure, making it a great option for businesses of all sizes.
With the Chase Ink Business Unlimited card, you can earn unlimited 1.5% cash back on all purchases. Whether you’re buying office supplies, paying for business services, or making any other business-related expenses, you’ll earn cash back on every transaction.
This flat rate cash back structure allows you to easily maximize your rewards without having to keep track of bonus categories or spending thresholds. It’s a convenient and hassle-free way to earn cash back on all your business purchases.
In addition to the unlimited flat rate cash back, the Chase Ink Business Unlimited card also offers a competitive welcome bonus. This bonus gives you the opportunity to earn additional cash back on your initial purchases, boosting your rewards right from the start.
Furthermore, as a cardholder, you’ll enjoy a range of additional benefits tailored to small business owners. These may include travel and purchase protections, expense management tools, and access to special business events and offers.
Overall, the Chase Ink Business Unlimited card is a top choice for businesses that value simplicity and unlimited cash back. With its flat rate earning structure, competitive welcome bonus, and exclusive business benefits, it’s a card that can help your business thrive financially.
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| Chase Ink Business Unlimited | |
|---|---|
| Cash Back Rate | 1.5% |
| Welcome Bonus | Yes |
| Annual Fee | No |
| Additional Benefits | Business-focused perks and protections |
Capital One Spark Cash Plus†
The Capital One Spark Cash Plus card is the best cash back business card for big spenders. With this card, businesses with significant spending can earn unlimited 2% cash back on all purchases, without the hassle of tracking bonus categories. Whether you’re buying office supplies, equipment, or paying for business services, you’ll earn generous cash back rewards on every transaction.
What sets the Capital One Spark Cash Plus card apart is its flexibility and simplicity. There are no complicated reward structures or rotating categories to keep track of. You earn a flat rate of 2% cash back on all purchases, allowing you to maximize your rewards potential without any limitations.
In addition to the unlimited cash back, the Capital One Spark Cash Plus card also offers a generous welcome bonus. This bonus can provide a significant boost to your rewards earnings right from the start.
Cardholders can also enjoy additional perks and benefits designed specifically for business owners. These may include expense management tools, employee cards with spend controls, and other valuable features that can streamline your business operations.
Maximize your cash back rewards and take advantage of the benefits offered by the Capital One Spark Cash Plus card. Apply today to start earning unlimited cash back on your business expenses.
Key Features of the Capital One Spark Cash Plus Card:
- Unlimited 2% cash back on all purchases
- Generous welcome bonus
- No bonus categories to track
- Additional perks for cardholders
The American Express Blue Business Cash
The American Express Blue Business Cash card is a popular choice for businesses that want to earn cash back on all their purchases. With this card, you can earn up to 2% cash back on eligible purchases. The card also offers a generous welcome bonus and various benefits for business owners.
With the American Express Blue Business Cash card, you can enjoy the following features:
- Up to 2% cash back: Earn cash back on all your purchases, allowing you to maximize your savings and earn rewards effortlessly.
- Generous welcome bonus: Start off on the right foot with a generous welcome bonus, giving your business a head start when it comes to earning rewards.
- Business benefits: The card offers a range of benefits tailored specifically for business owners, such as expense management tools, additional employee cards, and business expense tracking.
Whether you’re purchasing office supplies, traveling for business, or dining out with clients, the American Express Blue Business Cash card allows you to earn cash back on every eligible transaction.
For businesses looking for a simple, straightforward cash back rewards program with no annual fee, the American Express Blue Business Cash card is an excellent choice.
Why Choose the American Express Blue Business Cash Card?
The American Express Blue Business Cash card stands out as the best cash back business card for up to 2% cash back on all purchases. Its competitive rewards program, generous welcome bonus, and tailored business benefits make it an ideal choice for entrepreneurs.
Start earning cash back on your business expenses today with the American Express Blue Business Cash card.
| Key Features | Description |
|---|---|
| Up to 2% cash back | Earn up to 2% cash back on eligible purchases. |
| Generous welcome bonus | Enjoy a generous welcome bonus when you meet the spending requirements. |
| Business benefits | Access a range of benefits specifically designed for business owners, including expense management tools and additional employee cards. |
| No annual fee | Make the most of your rewards without having to worry about an annual fee. |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers an excellent cash back program for businesses, along with a compelling 0% intro APR offer. With this card, business owners can earn cash back on their purchases while enjoying an interest-free introductory period. It’s a win-win situation for businesses looking to maximize their savings.
This cash back business card stands out in terms of its rewards structure. Cardholders can earn 3% cash back on eligible purchases in a specific category of their choosing, such as office supplies, travel, or dining, and 1% cash back on all other purchases. This flexibility allows businesses to earn higher cash back rewards on their top spending categories.
In addition to its generous rewards program, the U.S. Bank Business Triple Cash card also offers a welcome bonus. New cardholders can take advantage of this bonus opportunity to kickstart their cash back earnings. It’s a great incentive for businesses looking to earn rewards right from the start.
Features and Benefits:
- 3% cash back on eligible purchases in a category of your choice
- 1% cash back on all other purchases
- Competitive welcome bonus
- 0% intro APR offer
With its strong rewards program, welcome bonus, and 0% intro APR offer, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard is an attractive choice for businesses. Whether you’re looking to earn cash back on your everyday expenses or take advantage of a 0% intro APR period, this card has you covered.
In the words of satisfied cardholders:
“The U.S. Bank Business Triple Cash card has been a game-changer for my business. I love the flexibility to choose my bonus category and earn cash back on my biggest expenses. Plus, the 0% intro APR offer is a fantastic perk that has helped me manage my cash flow.” – Jane Smith, CEO of S&B Enterprises
Take a look at the table below for a comprehensive comparison of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard with other top cash back business credit cards:
| Card | Rewards Program | Welcome Bonus | Intro APR |
|---|---|---|---|
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard | 3% cash back on eligible purchases in a chosen category, 1% cash back on all other purchases | Competitive welcome bonus | 0% intro APR offer |
| Chase Ink Business Cash | 5% cash back on office supply store purchases, internet, cable, and phone services | Generous welcome bonus | No intro APR offer |
| Chase Ink Business Unlimited | 1.5% cash back on all purchases | Competitive welcome bonus | No intro APR offer |
| Capital One Spark Cash Plus | 2% cash back on all purchases | Generous welcome bonus | No intro APR offer |
| The American Express Blue Business Cash | Up to 2% cash back on eligible purchases | Generous welcome bonus | No intro APR offer |
As you can see, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard offers a competitive rewards program, a welcome bonus, and an intro APR offer. It’s definitely a card worth considering for your business.
Best Cash Back Business Credit Card Comparison
When comparing cash back business credit cards, it’s important to consider several factors that can help you make an informed decision. Evaluating annual fees, rewards rates, welcome bonuses, and additional benefits is crucial in finding the card that suits your business needs the best.
Each cash back business credit card has its own unique features and advantages, making it essential to review the details before committing to one. To help you navigate through the options, here is a breakdown of key considerations:
Annual Fees
Some cash back business credit cards come with annual fees, while others have no annual fees at all. It’s important to assess the value of the rewards and benefits offered alongside any fees to determine if the card is worth the cost.
Rewards Rates
The rewards rates vary among different cash back business credit cards, ranging from a fixed cash back percentage on all purchases to higher percentages in specific categories. Understanding your business spending habits will help you identify the card that aligns with your needs and maximizes your rewards.
Welcome Bonuses
Many cash back business credit cards offer welcome bonuses, which can provide a significant boost to your rewards earnings. These bonuses often require a minimum spending threshold within a specified timeframe. Considering the value of the welcome bonus alongside the card’s ongoing rewards structure is crucial.
Additional Benefits
Aside from cash back rewards, some business credit cards offer additional benefits such as travel perks, purchase protections, and employee spending controls. Assessing these perks and benefits against your business requirements can help you choose a card that offers comprehensive value.
Remember, the best cash back business credit card for your business will depend on your unique circumstances. Taking the time to compare and assess different options will enable you to make an informed decision and select a card that aligns with your specific needs and financial goals.
Ink Business Cash® Credit Card Review
The Ink Business Cash Credit Card from Chase is a top choice for businesses looking to earn up to 5% cash back on their purchases. This card offers competitive rewards rates, a generous welcome bonus, and various benefits for small business owners. It’s an excellent option for those who spend heavily in office supply stores and on internet, cable, and phone services.
With the Ink Business Cash Credit Card, you can earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services. This makes it an ideal choice for businesses that frequently purchase office supplies and services for their operations. Additionally, you can earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants, making it convenient for entrepreneurs who often travel for business or entertain clients.
One of the standout features of the Ink Business Cash Credit Card is its welcome bonus. After spending $7,500 on purchases within the first three months of account opening, you can earn a sizeable cash back bonus. This provides an excellent boost to your rewards and can be a significant benefit for your business spending.
For small business owners, the Ink Business Cash Credit Card offers a variety of benefits and perks. These include purchase protection, extended warranty protection, and travel and emergency assistance services. These features can help protect your business purchases and provide peace of mind for unexpected situations.
With its competitive cash back rates, lucrative welcome bonus, and valuable benefits for small business owners, the Ink Business Cash Credit Card is an excellent choice for earning cash back while managing your business expenses.
Ink Business Unlimited® Credit Card Review
The Ink Business Unlimited Credit Card is the best cash back business card from Chase with an unlimited flat rate cash back. This card offers straightforward earning potential with no annual fee, making it a popular choice for businesses looking to maximize their rewards.
With the Ink Business Unlimited Credit Card, you can earn unlimited 1.5% cash back on every purchase you make. Whether it’s office supplies, equipment, or travel expenses, this card allows you to earn cash back on all business-related spending.
In addition to its generous cash back rewards, the Ink Business Unlimited Credit Card also provides a competitive welcome bonus, giving you a head start on earning cash back for your business. The card also offers additional benefits, such as purchase protection and travel insurance, to help protect your business and provide peace of mind.
If you prefer a simple and hassle-free rewards structure, the Ink Business Unlimited Credit Card is an excellent choice. Its unlimited flat rate cash back and valuable benefits make it a top contender for businesses of all sizes.
Why Choose the Ink Business Unlimited Credit Card?
There are several compelling reasons to choose the Ink Business Unlimited Credit Card for your business:
- Unlimited 1.5% cash back: With this card, you can earn cash back on every purchase, with no limit on the amount you can earn.
- No annual fee: The Ink Business Unlimited Credit Card has no annual fee, allowing you to enjoy the benefits of cash back rewards without any additional cost.
- Welcome bonus: As a new cardholder, you can earn a competitive welcome bonus to jumpstart your cash back earnings.
- Additional benefits: The card offers valuable benefits, including purchase protection, extended warranty coverage, and travel insurance.
Comparison Table: Ink Business Unlimited Credit Card vs. Competitors
| Card | Earning Rate | Annual Fee | Welcome Bonus | Additional Benefits |
|---|---|---|---|---|
| Ink Business Unlimited Credit Card | Unlimited 1.5% cash back | No annual fee | Competitive welcome bonus | Purchase protection, extended warranty coverage, travel insurance |
| Chase Ink Business Cash | Up to 5% cash back | No annual fee | Generous welcome bonus | Employee cards, car rental insurance, extended warranty protection |
| Capital One Spark Cash Plus | Unlimited 2% cash back | $150 annual fee | High-value welcome bonus | Preferred boarding, rental car coverage, purchase security |
Capital One Spark Cash Plus† Review
The Capital One Spark Cash Plus card is an excellent choice for businesses with significant spending. With this card, you can earn unlimited 2% cash back on all purchases, making it a great option for maximizing rewards. It also offers a generous welcome bonus and various perks for cardholders.
The Capital One Spark Cash Plus card stands out as the best cash back business card for big spenders. With a flat rate of 2% cash back on every purchase, businesses can earn substantial rewards on their everyday expenses. Whether it’s office supplies, travel, or client meetings, this card ensures that every business dollar spent is rewarded.
“The Capital One Spark Cash Plus card is a game-changer for businesses with significant spending. I’ve been using this card for years and have earned thousands of dollars in cash back rewards. It’s a no-brainer for any big spender looking to maximize their rewards.”
This card not only offers exceptional cash back rewards but also provides a generous welcome bonus. You can earn a substantial cash bonus after meeting the spending requirements, which can give your business an immediate boost. Additionally, the card comes with a host of perks, including expense management tools, travel benefits, and dedicated customer support.
With its competitive rewards, welcome bonus, and additional perks, the Capital One Spark Cash Plus card is a top choice for businesses seeking the best cash back business card for big spenders. Take advantage of this card’s benefits to supercharge your savings and maximize your rewards.
Key Features of the Capital One Spark Cash Plus Card:
- Unlimited 2% cash back on all purchases
- Generous welcome bonus
- No foreign transaction fees
- Expense management tools
- Travel benefits
For small business owners seeking the best cash-back business credit cards, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card emerges as an outstanding choice. With this credit card, businesses can earn cash back on dining purchases, unlimited cash back on all other eligible expenditures, and even receive a $300 online statement credit after spending a specific amount within the designated timeframe. Notably, this business credit card provides the unique advantage of allowing users to spend beyond their credit limit, offering expanded buying power for essential business spends.
Furthermore, the Preferred Rewards for Business Platinum and Business Platinum Honors tiers elevate the rewards for business owners, enhancing the overall credit card experience. This card also caters to the needs of small businesses by providing additional cards for employees at no extra cost. With features like cash back on travel purchases and the flexibility to apply for a business credit card online, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® stands out as one of the best options for small business credit, offering valuable rewards and financial advantages.
The Bank Business Leverage® Visa Signature® card stands out as an excellent cash-back business credit card, making it one of the best business credit cards of 2024. This credit card offers bonus cash back after spending, and the cash rewards earned can be easily redeemed as a statement credit, providing flexibility for small business owners.
Much like the Ink Business Preferred® credit card, this business leverage card is a great choice for those seeking a reliable small business credit card. Its cash rewards don’t expire, adding to its appeal, and applying for this small business credit card is a straightforward process. With features that align with the needs of small businesses, such as bonus cash back and the option to apply online, the Bank Business Leverage® Visa Signature® card proves to be an excellent choice for those looking to leverage their business spending and earn valuable cash rewards.
Also Read : Explore Bank One Credit Card Benefits Today!
Conclusion
When it comes to finding the best cash back business credit card, it’s crucial to consider factors such as your business’s spending habits, reward preferences, and additional benefits. The cards mentioned in this article have been carefully selected for their competitive rewards rates, generous welcome bonuses, and perks tailored to business owners. By choosing the right card, you can effectively maximize your cash back rewards and enjoy additional advantages for your business.
Whether you prefer a card that offers elevated cash back rates in specific spending categories like office supplies or internet services, or you prefer a flat-rate cash back structure, there are options available to suit your needs. Additionally, many of these cards come with welcome bonuses, allowing you to earn even more rewards in the early stages of card ownership.
Remember that each business is unique, so take the time to assess your spending patterns and goals to determine which cash back business credit card aligns best with your requirements. With the right card in hand, you can effectively earn cash back rewards and enjoy the additional benefits that come with making business-related purchases.
FAQs
Q: What are the best cash-back business credit cards of 2024?
A: The best cash-back business credit cards of 2024 include the Amazon Business Prime American Express Card, Bank of America® Business Advantage Customized Cash Rewards, and the American Express Blue Business Cash™ Card.
Q: How can small business owners benefit from cash-back business credit cards?
A: Small business owners can benefit from cash-back business credit cards by earning cash back rewards on their business expenses, such as office supplies, advertising, and other essential purchases.
Q: What is the Amazon Business Prime American Express Card and its benefits?
A: The Amazon Business Prime American Express Card is a business credit card designed for Amazon Business Prime members, offering unlimited cash back on eligible purchases and other benefits such as a $125 Amazon.com Gift Card upon approval.
Q: How can business owners maximize their cash back rewards with business credit cards?
A: Business owners can maximize their cash back rewards by using their cash-back business credit cards for business expenses and taking advantage of any bonus cash back offers, such as earning $900 bonus cash back after spending a certain amount within the first few months.
Q: What are the key features of the Bank of America® Business Advantage Customized Cash Rewards card?
A: The Bank of America® Business Advantage Customized Cash Rewards card offers 3% cash back in a category of your choice, 2% cash back on dining, and 1% cash back on all other purchases, making it an ideal choice for business owners looking to earn cash back on their spending.
Q: What are the benefits of offering free employee cards with a business credit card?
A: Offering free employee cards with a business credit card allows businesses to conveniently track and manage employee spending, while also earning cash back on their employees’ purchases.
Q: How does the American Express Blue Business Cash™ Card reward business expenses?
A: The American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, making it a great option for businesses seeking to earn cash back on their essential expenses.
Q: What are some examples of earning cash back on specific business expenses with business credit cards?
A: Business credit cards may offer cash back on a range of expenses, including earning cash back on hotels, rental cars, prepaid hotels, and other essential business travel expenses.
Q: How can businesses utilize statement credits from their cash-back business credit cards?
A: Businesses can utilize statement credits from their cash-back business credit cards to offset eligible charges on their card, effectively reducing their business expenses and improving their cash flow.
Q: What are the eligibility criteria for applying for a small business credit card?
A: Eligibility criteria for applying for a small business credit card may include having a valid Tax ID or EIN, demonstrating business revenue, and meeting the credit requirements set by the card issuer.
Source Links
- https://www.businessinsider.com/personal-finance/best-cash-back-business-cards
- https://www.nerdwallet.com/best/small-business/cash-back-business-credit-cards
- https://www.forbes.com/advisor/credit-cards/best/business-cash-back/