Cash back business credit cards offer small businesses tax free money back on purchases made to run their business. Whether you’re buying ads on Google, taking customers out to dinner, or booking a booth at your next trade show, finding the right cash back business card can help make running a small business a little easier.
We’ve pulled together our favorite cash back business cards for 2023. These cards were picked based on their simplicity, but we’ve also highlighted who might benefit most from becoming a cardholder. Each business has its own set of unique needs, and we have tried to address those in our reviews. Click a link to jump to a card, or just keep scrolling.
- Capital One Spark Cash Select
- Chase Ink Business Unlimited® Credit Card
- Chase Ink Business Cash® Credit Card
- Chase Ink Business Preferred® Credit Card
Capital One Spark Cash Select Business Card
Capital One is consistently one of our top card issuer picks for business cards and consumers. Everything from their mobile app to account management is easy and intuitive. For small business owners that want to maximize their cash back or reward points, Capital One makes it extremely easy to transfer points to a single account. This can be extremely helpful if you want to redeem miles or cash back for travel with Capital One Travel.
Capital One Spark Cash Select is a $0 annual fee business cash back credit card. As a cardholder, you will get access to Capital One Travel, which allows you to earn unlimited 5% cash back on hotels and rental cars when you book through their portal.
Cardholders of the Capital One Spark Cash Select credit card earn an unlimited 1.5% cash back on every purchase – there are no limits or category restrictions. Additionally, rewards never expire as long as the account is live. Small business owners will also love that they can order employee cards for free, and those cards will also earn unlimited 1.5% cash back on all purchases (under your account).
Capital One Spark Cash Select Highlights
- Current Intro Offer: 0% APR for 12 months; reg_apr,reg_apr_type after that.
- Credit Score Needed: credit_score_needed
- Add employee cards for free
- Unlimited 1.5% cash back, no categories to worry about
- Capital One app, Capital One Travel, cardholder friendly ease-of-use
Click Here to learn more about the Capital One Spark Cash Select credit card.
Chase Ink Business Unlimited® Credit Card
Chase is one of the top business card issuer, and for good reasons. For starters, their banking products are impressive and easy to manage. Their business credit cards are just as impressive, and they have a few cash back business cards to choose from. We’re highlighting two of them in this article.
The Chase Ink Business Unlimited® Credit Card is a $0 annual fee card with unlimited 1.5% cash back on every purchase made for your small business. We like it because JP Morgan Chase is a proven banking institution, and has an incredibly trustworthy track record. The Chase Ultimate Rewards® dashboard, which is where cardholders redeem their rewards, allow you to choose cash back, gift cards, travel, and more.
Business owners can also use the Shop through Chase® feature in Chase Ultimate Rewards® to earn more cash back on office needs such as computers, travel, and more.
Chase Ink Business Unlimited® Credit Card Highlights
- Current Intro Offer: bonus_miles_full
- Credit Score Needed: credit_score_needed
- Earn rewards faster with employee cards at no additional costs
- Cash Back: Earn unlimited 1.5% cash back on every purchase made for your business
- Chase Ultimate Rewards® portal is easy and has multiple options for rewards redemption
Learn More about the Chase Ink Business Unlimited® Credit Card
Chase Ink Business Cash® Credit Card
If you’re a small business owner looking for ways to maximize your rewards through certain categories, the Chase Ink Business Cash® Credit Card might be right for you. You get many of the same benefits of the Chase Ink Business Unlimited® Credit Card (including a $0 annual fee), but with more ways to earn bonus rewards.
Here’s how the cash back rewards breakdown:
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores, 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 purchases.
The Chase Ink Business Cash® Credit Card might make the most sense for small businesses that serve a local area. We think that home services companies and contractors will especially find this cash back card useful.
Small business owners can find additional ways to earn rewards by making purchases through Shop through Chase® in the Chase Ultimate Rewards® dashboard.
Chase Ink Business Cash® Credit Card Highlights
- Current Intro Offer: bonus_miles_full
- Credit Score Needed: credit_score_needed
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- Cash Back: 1% on all other purchases (see above for category cash back details)
- Introductory APR: intro_apr_rate,intro_apr_duration
Learn More about the Chase Ink Business Cash® Credit Card
Chase Ink Business Preferred® Credit Card
The Chase Ink Business Preferred® Credit Card might be a great fit for internet based small businesses. It’s does have a $95 annual fee, but we think it’s worth it for the ways to earn and additional benefits that we’ll dive into.
This card might speak to home or internet based small businesses because of the tiered points for spending.
Here’s how it works:
- Earn 3 points per $1 on the first $150k spent in combined purchases for:
- Travel
- Shipping purchases
- Internet, cable, and phone services
- Advertising purchases made with social media sites and search engines (ie. Facebook Ads and Google Ads)
- The $150,000 purchase limit for the 3 points per $1 is for each account anniversary year
- Earn 1 point per $1 on all other purchases
These points are tailored towards small businesses that might rely on ads for revenue, ship products, or travel to trade shows. We also love that points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards®. Of course, Chase Ink Business Preferred® Credit Card cardholders also have the option of redeeming points for cash back.
Chase Ink Business Preferred® Credit Card Highlights
- Current Intro Offer: bonus_miles_full
- Credit Score Needed: credit_score_needed
- Tiered points catering to the needs of home/internet based small businesses, points never expire for the life of the account
- Cash Back: Unlimited 1% on all purchases not included in the 3% categories mentioned above
- Regular APR: reg_apr,reg_apr_type
Learn More about the Chase Ink Business Preferred® Credit Card
