Top Business Credit Cards Offering Cashback Rewards

Everyone enjoys earning cashback rewards. Whether for personal or business expenses, cashback credit cards are highly valuable. For companies, such cards can significantly boost savings. Different cards offer unique benefits, rewards, and specific drawbacks. Selecting the right business credit card depends on factors like your company's spending habits, required purchase minimums, and features such as annual fees, APR, bonus offers, and reward structures. It's essential to review each card’s features—including foreign transaction fees, employee card benefits, and redemption options—to find the best fit for your enterprise.

Although choosing the ideal card may seem complex, having the right information simplifies the process. Explore these four top cashback business credit cards to identify the best match for your business needs.

Capital One® Spark® Cash for Business

This card is excellent for earning straightforward rewards. It offers a flat 2% cashback on all purchases, with no expiration date, minimum redemption amount, or earning cap. New cardholders can receive a $500 bonus after spending $4,500 within the first three months. Additional perks include free employee cards, rental car coverage, and no foreign transaction fees. The card’s annual fee is $95 starting after the first year. It is ideal for businesses wanting high rewards rates and flexible redemption options.

To qualify for Spark Cash, you should:

Want cashback on all business purchases

Seek a sign-up bonus

Make international transactions

Expense employee cards

Prefer automated redemption thresholds

Ink Business Cash℠ Credit Card (American Express)

Designed for business owners with excellent credit, this card suits those with significant telecom, internet, cable, or office supply expenses. It offers a 0% introductory APR for 12 months, with a $500 bonus after spending $3,000 in the first three months. You can earn 5% cashback on office supplies and utilities up to $25,000 annually, and 5% at restaurants and gas stations each year on anniversary. It has no annual fee and a balance transfer fee of 5% or $5.

Eligible applicants should:

Spend on office supplies

Desire an initial bonus of $500

Want a $0 annual fee

Have a credit score of 750 or higher

American Express SimplyCash® Plus Business Card

This popular cashback card has no annual fee and offers 1% to 5% rewards on purchases. It features a 15-month 0% interest period on new purchases, making it attractive for financing. The regular APR ranges from 14.49% to 21.49%, depending on credit. A 2.7% foreign transaction fee applies. You earn 5% cashback on wireless phone services up to $50,000 annually, plus the option to spend beyond your credit limit with Extended Buying Power.

To qualify, you need a credit score of at least 700. Suitable if you seek high cashback rewards, auto rewards, and detailed monthly statements.

Bank of America Business Advantage Cash Rewards Mastercard®

Ideal for Bank of America business customers, this card has no annual fee. It offers 2% cashback on dining up to $50,000 annually, then 1%; 3% cashback on gas or choice categories like office supplies, telecom, or travel. A $300 statement credit is available with a $3,000 initial spend within 90 days. Business Advantage Relationship Rewards members can earn up to 75% bonus rewards on purchases. Qualification requires maintaining a Business Checking account and an average balance of $20,000 over three months.

Get this card if you:

Use Bank of America for business banking

Want a 0% introductory APR for nine months

Plan large equipment or inventory purchases

Seek cashback on gas and office supplies

With many cashback options, choosing the right business credit card depends on your company’s spending patterns and financial goals. The right card offers flexibility, rewards, and convenience—helping your business grow through smarter spending decisions.