Best Cash Back Credit Cards for Small Business Owners
Advantages of Cash Back Credit Cards
Cash back credit cards reward you with a percentage of your everyday purchases, making them one of the simplest and most flexible ways to save money. They typically earn 1% to 5% cash back on eligible purchases, with many cards offering higher rewards in categories such as groceries, gas, dining, or travel. Rewards can usually be redeemed as statement credits, direct deposits, checks, or gift cards. Many top cash back cards have no annual fee.
Cash Back Business Credit Cards
Here are a few best business credit cards that offer cash rewards. In addition, they give new card members top sign-up bonuses and rewards on business purchases.
| Credit Card | Bonus, Rewards, 0% APR | Annual Fee |
|---|
 | Ink Business Unlimited® Credit Card | $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account openingUnlimited 1.5% cash back on every purchase made for your business0% on purchases for 12 months
(rates & fees) | $0 |
 | Ink Business Cash® Credit Card | $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.1% cash back on all other purchases with no limit to the amount you can earn.0% on purchases for 12 months
(rates & fees) | $0 |
 | Graphite™ Business Cash Unlimited Card | $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate. | $295
rates & fees |
 | The American Express Blue Business Cash™ Card | $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.74% - 28.49% variable applies.
(rates & fees) | $0 |
 | Costco Anywhere Visa® Business Card by Citi | 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0
rates & fees |
Cash Back Personal Credit Cards
Small business owners may use personal credit cards to pay for business expenses and get reimbursed by the business later. In this way, business owners can take advantage of exclusive benefits or perks offered by some personal cards. Here are a few cash back personal cards with excellent rewards.
| Credit Card | Bonus, Rewards, 0% APR | Annual Fee |
|---|
 | Blue Cash Preferred® Card from American Express | As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.0% on purchases for 12 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
(rates & fees) | $0 intro annual fee for the first year, then $95. |
 | Citi Double Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.49% (variable) applies.
(rates & fees) | $0 |
 | Blue Cash Everyday® Card from American Express | As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
(rates & fees) | $0 |
 | Chase Freedom Unlimited® | $200 Bonus after you spend $500 on purchases in your first 3 months from account openingEnjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.0% on purchases and balance transfers for 15 months
(rates & fees) | $0 |
 | Chase Freedom Rise® | Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom RiseCash Back - With Chase Freedom Rise, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. | $0
rates & fees |
 | Costco Anywhere Visa® Card by Citi | 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0
rates & fees |
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