The best cash back business credit cards

Written by: Ben Luthi
• Updated •2 min read
This date may not reflect recent changes in individual terms.
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In a Nutshell

The best cash back business credit cards give you the flexibility of cash back rewards that you can use for your business. Whether your credit is in great shape or needs work, one of our top picks could be a good fit for you.
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With a small-business cash back credit card, you can invest the rewards you earn back into your company or use them for something else entirely — it’s your choice.

Here are our top picks to help you find the right fit for your small business or company.

How we picked these cards

Cash back rewards are relatively straightforward, so you don’t have to worry about complicated redemption options and rates. But small-business owners are typically interested in finding a card that will give them the most bang for their buck.

As a result, we focused mostly on credit cards that don’t charge annual fees — and if they do, they offer value that can help make up for it. We also looked at other valuable card features, including welcome bonuses, introductory 0% APR offers and accessibility for small-business owners with less-than-stellar credit.

These features give you more options based on your credit situation and the chance to squeeze value out of your new card through more than just the rewards program.

How to make the most of the best cash back business credit cards

Because these cards offer straightforward rewards, the most important thing is to focus on which card will give you the most rewards for your expenses. As you shop around to find the right business credit card for you, think about where you spend the most and consider a card that offers bonus rewards on those purchases.

If you don’t spend a lot in any one area, consider applying for a card that offers a high rewards rate on all of your business purchases instead. Watch out for rewards caps, though. If your business spends a lot, you may be better off with a card that offers unlimited rewards — even if it comes with an annual fee.

Finally, if you plan to take advantage of an introductory 0% APR promotion, make it a goal from the start to pay off your balance before the promotional period ends. A lot of these cards charge high APRs, and if you carry a balance from month to month, interest charges can cut a chunk out of the value you could gain from your card each month.

About the author: Ben Luthi is a personal finance freelance writer and credit cards expert. He holds a bachelor’s degree in business management and finance from Brigham Young University. In addition to Credit Karma, you can find his wo… Read more.