10 Best Cash Back Business Credit Cards for Maximum Savings

By Hetal Bansal

In the world of business, every dollar counts. That's why savvy entrepreneurs and business owners are turning to cash-back business credit cards to maximize savings on their operational expenses. These credit cards offer a unique opportunity to earn cash rewards on everyday business purchases, helping to offset costs and boost the bottom line. In this article, we'll explore the top 10 cash-back business credit cards available in the US, each offering distinct features tailored to various business needs.

1. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is designed for small business owners looking for simplicity and cash-back rewards. It offers 2% cash back on all eligible purchases, up to $50,000 per calendar year, and 1% thereafter. The card has no annual fee and offers a 0% introductory APR on purchases for the first 12 months.

2. Capital One Spark Cash for Business

The Capital One Spark Cash for Business card is known for its straightforward cash-back rewards structure. It provides a flat 2% cash back on all purchases, with no limits or categories to track. Additionally, new cardholders can earn generous cash reward and bonus after meeting the spending requirement within the first three months. While the card comes with an annual fee, it's waived for the first year.

3. Chase Ink Business Cash? Card

The Chase Ink Business Cash? The card is an excellent choice for businesses with varied spending patterns. It offers 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 in combined purchases per year), 2% on gas stations and restaurants (up to $25,000 in combined purchases per year), and 1% on all other purchases. The card has no annual fee and a competitive cash-back welcome bonus.

4. American Express SimplyCash Plus Business Credit Card

The American Express SimplyCash Plus Business Credit Card lets you choose where you earn your cash back. It offers 5% cash back on purchases at US office supply stores and wireless telephone services purchased directly from US service providers. You can also select a category to earn 3% cash back on the first $50,000 spent annually. The card has no annual fee.

5. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard offers a flexible rewards program. You can earn 3% cash back in a category of your choice (gas stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services), 2% cash back at restaurants, and 1% on all other purchases. Plus, there's an attractive introductory 0% APR offer on purchases.

6. Discover it Business Card

The Discover it Business Card is known for its unique rewards structure. It offers 1.5% cash back on all purchases, and at the end of the first year, Discover matches all the cash back you've earned, effectively doubling your rewards for the year. The card has no annual fee and features a 0% APR introductory period.

7. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card offers a solid cash-back rewards program with no annual fee. It provides 1.5% cash back on all net purchases, and you can earn additional rewards when you use the card to pay for your monthly cell phone bill.

8. U.S. Bank Business Cash Rewards World Elite Mastercard

The U.S. Bank Business Cash Rewards World Elite Mastercard is an excellent option for businesses that spend a significant amount on office supplies and cell phone services. It offers 3% cash back on eligible purchases in these categories, along with 1% cash back on other net purchases. The card has no annual fee and a welcome bonus for new cardholders.

9. Citi Double Cash Card - Business

The Citi Double Cash Card - Business stands out for its straightforward cash-back rewards structure. You earn 1% cash back when you make a purchase and an additional 1% cash back when you pay your bill, effectively earning 2% cash back on all purchases. The card has no annual fee and offers a 0% introductory APR on balance transfers.

10. Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card can be highly rewarding for businesses that frequently shop on Amazon. It offers a tiered cash-back structure with up to 5% back or 90-day payment terms on US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. Plus, you get a welcome Amazon Gift Card upon approval.

You may also like to read: 10 Tips for Efficiently Managing Multiple Savings Accounts

Conclusion

Cash-back business credit cards are a smart way for business owners to maximize savings and earn rewards on their everyday spending. When choosing a card, consider your business's spending patterns, rewards preferences, and the introductory offers available. Each of the top 10 cash-back business credit cards discussed in this article offers unique benefits, making it easier for you to find the one that aligns with your business goals and financial strategy. By utilizing these cards strategically, you can offset costs and enjoy a healthy boost to your bottom line.