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Best Cashback Business Credit Cards of 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated July 7, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re a small business owner who wants to earn cash back on company expenses, there are a number of business credit cards to choose from. While these cards typically offer cash back on every purchase and business-related benefits like year-end summaries, they may also offer free employee cards, 0% intro APRs on balance transfers and $0 annual fees.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we compiled a list of the best cashback business credit cards, based on the following categories:

Best Cashback Business Credit Cards
Best flat-rate rewards business credit card Capital One Spark Cash for Business
Best intro APR business credit card Ink Business Cash® Credit Card
Best for flexible cashback rewards program Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Best $0 annual fee business credit card American Express Blue Business Cash™ Card
Best credit-building business credit card Capital One® Spark® Classic for Business

Best For Flat-rate rewards business card

Capital One Spark Cash for Business

Capital One Spark Cash for Business

Apply Now
on Capital One's secure site
Introductory APR N/A
Annual Fee $0 intro for first year; $95 after that
Regular Purchase APR 20.99% (Variable)

If you don’t want the inconvenience of keeping track of bonus rewards categories or spending caps, you should take a look at a flat-rate cashback business credit card, like the Capital One Spark Cash for Business.

The card offers unlimited 2% cash back for your business on every purchase, everywhere. Plus, cardholders earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Cash back earned with this card can be redeemed as a statement credit or a check. You can set up automatic redemption either at a set time each calendar year or when a specific threshold ($25, $50, $100 or $200) has been reached. Other redemption options include statement credit and gift cards. However, rates for these redemption options may vary and are subject to change without notice.

The Capital One Spark Cash for Business charges an annual fee of $0 intro for first year; $95 after that. However, it doesn’t offer a 0% intro APR period, so if your business is looking to finance a big purchase interest-free for several months, you’ll want to consider other options.

The Capital One Spark Cash for Business is a great small business credit card that simplifies things by earning flat-rate cash back on every purchase. If you find that your business spending doesn’t fit neatly into the rewards categories of other cards, the Capital One Spark Cash for Business could be the right business card to manage your cash flow with.

Plus, while other flat-rate business cards might offer 1.5% back or 1.5 points per $1 spent, the Capital One Spark Cash for Business earns a higher flat rate. And business owners who travel abroad will benefit from the lack of a foreign transaction fee.

Capital One Spark Cash for Business benefits include:

  • Free employee cards
  • Year-end summaries
  • Emergency card replacement
  • Roadside assistance
  • Travel assistance
  • Rental collision coverage
  • Extended warranty protection
  • Foreign transaction fees: None

If you don’t want the inconvenience of keeping track of bonus rewards categories or spending caps, you should take a look at a flat-rate cashback business credit card, like the Capital One Spark Cash for Business.

The card offers unlimited 2% cash back for your business on every purchase, everywhere. Plus, cardholders earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Cash back earned with this card can be redeemed as a statement credit or a check. You can set up automatic redemption either at a set time each calendar year or when a specific threshold ($25, $50, $100 or $200) has been reached. Other redemption options include statement credit and gift cards. However, rates for these redemption options may vary and are subject to change without notice.

The Capital One Spark Cash for Business charges an annual fee of $0 intro for first year; $95 after that. However, it doesn’t offer a 0% intro APR period, so if your business is looking to finance a big purchase interest-free for several months, you’ll want to consider other options.

The Capital One Spark Cash for Business is a great small business credit card that simplifies things by earning flat-rate cash back on every purchase. If you find that your business spending doesn’t fit neatly into the rewards categories of other cards, the Capital One Spark Cash for Business could be the right business card to manage your cash flow with.

Plus, while other flat-rate business cards might offer 1.5% back or 1.5 points per $1 spent, the Capital One Spark Cash for Business earns a higher flat rate. And business owners who travel abroad will benefit from the lack of a foreign transaction fee.

Capital One Spark Cash for Business benefits include:

  • Free employee cards
  • Year-end summaries
  • Emergency card replacement
  • Roadside assistance
  • Travel assistance
  • Rental collision coverage
  • Extended warranty protection
  • Foreign transaction fees: None

Best For Intro APR business credit card

Ink Business Cash<sup>®</sup> Credit Card

Ink Business Cash® Credit Card

Apply Now
on Chase's secure site
Introductory APR 0% Intro APR on Purchases for 12 months
Annual Fee $0
Regular Purchase APR 13.24% - 19.24% Variable

If you need to finance a large business purchase and pay it off over time, the Ink Business Cash® Credit Card may be a good fit.

The card comes with an intro APR on purchases of 0% Intro APR on Purchases for 12 months. After that, an APR of 13.24% - 19.24% variable applies.

The Ink Business Cash® Credit Card lets cardholders earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

The card also offers the following 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.

The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others.

Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee.

This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards.

There is a cap on the amount of rewards you can earn at the higher cashback rate. In addition, the Ink Business Cash® Credit Card charges foreign transaction fees of 3% of each transaction in U.S. dollars for purchases made outside of the U.S.

Ink Business Cash® Credit Card benefits include:

  • Free employee cards
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection

If you need to finance a large business purchase and pay it off over time, the Ink Business Cash® Credit Card may be a good fit.

The card comes with an intro APR on purchases of 0% Intro APR on Purchases for 12 months. After that, an APR of 13.24% - 19.24% variable applies.

The Ink Business Cash® Credit Card lets cardholders earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

The card also offers the following 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.

The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others.

Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee.

This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards.

There is a cap on the amount of rewards you can earn at the higher cashback rate. In addition, the Ink Business Cash® Credit Card charges foreign transaction fees of 3% of each transaction in U.S. dollars for purchases made outside of the U.S.

Ink Business Cash® Credit Card benefits include:

  • Free employee cards
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection

Best For Flexible cashback rewards program

Business Advantage Cash Rewards credit card

Highlights
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

If you want some control over which categories your company earns cash back in, you may want to look at the Bank of America® Business Advantage Cash Rewards Mastercard® credit card.

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card offers 3% cash back on your choice of one of the following six categories: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, and 2% cash back on dining (on the first $50,000 each calendar year, then 1%. Earn an unlimited 1% cash back on all other purchases.

Note, you are allowed to change your choice category one time per calendar month.

You can boost your cashback rewards if you enroll in Bank of America’s Business Advantage Relationship Rewards program. Under that program, you can earn an additional 25% to 75% cashback on all purchases, depending on if you reach the gold, platinum or platinum honors level. That means you can earn up to 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

The $0 annual fee card also offers a $300 statement credit when you make at least $3,000 in net purchases within 60 days of your account opening.

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card puts you in charge of choosing your top paying rewards category so you can match it to the business spending you do most.

For example, a digital business owner might benefit from a rewards boost on computer services or telecom spending, whereas a sales company might have better earnings potential on gas or travel expenses. Even better, you can change your category once per month, so you can earn extra cashback on less frequent but significant spending like tax preparation or legal services, and then switch to something else the following month.

The higher cashback rates can only be earned on the first $50,000 in combined choice and restaurant purchases each calendar year. After that, the rate drops to 1% cash back on those purchases.

No matter what type of business you do, the $0 annual fee is attractive since there are no out-of-pocket costs for you to earn your cashback.

You can add cardholders to your account and earn cash back based on their purchases. There’s no annual cap on rewards redemption and as long as your account remains in good standing, your cash rewards don’t expire.

Additionally, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card charges foreign transaction fees of 3% of the U.S. dollar amount of each transaction.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card benefits include:

  • Intro APR on purchases for 0% for 9 billing cycles, then a 12.24% - 22.24% variable APR will apply
  • Cash flow management tools
  • Travel and emergency services
  • Fraud monitoring
  • Overdraft protection

If you want some control over which categories your company earns cash back in, you may want to look at the Bank of America® Business Advantage Cash Rewards Mastercard® credit card.

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card offers 3% cash back on your choice of one of the following six categories: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, and 2% cash back on dining (on the first $50,000 each calendar year, then 1%. Earn an unlimited 1% cash back on all other purchases.

Note, you are allowed to change your choice category one time per calendar month.

You can boost your cashback rewards if you enroll in Bank of America’s Business Advantage Relationship Rewards program. Under that program, you can earn an additional 25% to 75% cashback on all purchases, depending on if you reach the gold, platinum or platinum honors level. That means you can earn up to 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

The $0 annual fee card also offers a $300 statement credit when you make at least $3,000 in net purchases within 60 days of your account opening.

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card puts you in charge of choosing your top paying rewards category so you can match it to the business spending you do most.

For example, a digital business owner might benefit from a rewards boost on computer services or telecom spending, whereas a sales company might have better earnings potential on gas or travel expenses. Even better, you can change your category once per month, so you can earn extra cashback on less frequent but significant spending like tax preparation or legal services, and then switch to something else the following month.

The higher cashback rates can only be earned on the first $50,000 in combined choice and restaurant purchases each calendar year. After that, the rate drops to 1% cash back on those purchases.

No matter what type of business you do, the $0 annual fee is attractive since there are no out-of-pocket costs for you to earn your cashback.

You can add cardholders to your account and earn cash back based on their purchases. There’s no annual cap on rewards redemption and as long as your account remains in good standing, your cash rewards don’t expire.

Additionally, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card charges foreign transaction fees of 3% of the U.S. dollar amount of each transaction.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card benefits include:

  • Intro APR on purchases for 0% for 9 billing cycles, then a 12.24% - 22.24% variable APR will apply
  • Cash flow management tools
  • Travel and emergency services
  • Fraud monitoring
  • Overdraft protection
The information related to the Business Advantage Cash Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For No annual fee business credit card

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Apply Now
on American Express's secure site
Terms Apply
Introductory APR 0% on purchases for 12 months from date of account opening
Annual Fee No annual fee
Regular Purchase APR 13.24% - 19.24% Variable

If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you.

The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases.

The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 13.24% - 19.24% variable. Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges.

Although the American Express Blue Business Cash™ Card offers a generous rewards rate, the card does not come with an welcome bonus.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

The American Express Blue Business Cash™ Card is ideal for business owners who want a simple rewards structure. Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories. If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back. However, if your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap.

American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power. The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases.

Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full.

Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

American Express Blue Business Cash™ Card benefits include:

If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you.

The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases.

The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 13.24% - 19.24% variable. Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges.

Although the American Express Blue Business Cash™ Card offers a generous rewards rate, the card does not come with an welcome bonus.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

The American Express Blue Business Cash™ Card is ideal for business owners who want a simple rewards structure. Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories. If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back. However, if your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap.

American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power. The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases.

Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full.

Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

American Express Blue Business Cash™ Card benefits include:

Best For Credit-building business credit card

Capital One® Spark® Classic for Business

Highlights
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

If you’re a business owner looking to build or establish credit, the Capital One® Spark® Classic for Business may be a good fit.

The card is designed to help strengthen your business’s credit through responsible card usage and accepts cardholders with fair/limited credit. According to Capital One, this includes individuals who have defaulted on a loan in the past five years or those with limited credit history.

Additionally, the card comes with a $0 annual fee and a rewards rate of 1% cash back on every purchase.

While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not.

Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One® Spark® Classic for Business. It’s a flat-rate, no-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards.

While some business credit cards require good or excellent credit to be approved, the Capital One® Spark® Classic for Business is designed for business owners with fair/limited credit. Use it responsibly and in time, you can apply for a card with more lucrative rewards.

If you don’t know where your credit score stands, it’s wise to check it before applying. Note that both personal and business credit can be considered when applying for a small business card.

Ways to check your personal credit score for free include:

Capital One® Spark® Classic for Business benefits include:

  • Free employee cards
  • Global Entry or TSA Precheck credit
  • 24/7 travel and emergency assistance services
  • Year-end summaries
  • Ability to set automatic payments
  • Downloadable purchase records
  • Extended warranty and protection
  • Foreign transaction fees: None

If you’re a business owner looking to build or establish credit, the Capital One® Spark® Classic for Business may be a good fit.

The card is designed to help strengthen your business’s credit through responsible card usage and accepts cardholders with fair/limited credit. According to Capital One, this includes individuals who have defaulted on a loan in the past five years or those with limited credit history.

Additionally, the card comes with a $0 annual fee and a rewards rate of 1% cash back on every purchase.

While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not.

Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One® Spark® Classic for Business. It’s a flat-rate, no-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards.

While some business credit cards require good or excellent credit to be approved, the Capital One® Spark® Classic for Business is designed for business owners with fair/limited credit. Use it responsibly and in time, you can apply for a card with more lucrative rewards.

If you don’t know where your credit score stands, it’s wise to check it before applying. Note that both personal and business credit can be considered when applying for a small business card.

Ways to check your personal credit score for free include:

Capital One® Spark® Classic for Business benefits include:

  • Free employee cards
  • Global Entry or TSA Precheck credit
  • 24/7 travel and emergency assistance services
  • Year-end summaries
  • Ability to set automatic payments
  • Downloadable purchase records
  • Extended warranty and protection
  • Foreign transaction fees: None
The information related to the Capital One® Spark® Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Which cashback business credit card should you choose?

Ultimately, the best cashback business credit card for you and your company comes down to how you plan to use the card. For example, if you want to finance a large business expense, such as office equipment or software, the Ink Business Cash® Credit Card is a good option. But if you want to choose which categories you can earn cash back in, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card may be a better fit.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.