If you wait to get any of the 15 best business credit cards with cashback, you will definitely regret the savings you could otherwise generate without any qualms or effort. So what exactly is a business credit card with cashback? Business credit cards are issued to business owners and are used to pay for all expenses in running the business. Many credit card companies have realized the importance of the incentive of offering cashback to business owners on all expenses paid on a credit card.
It’s almost impossible to imagine a world without credit cards, but even now, there are many countries in which credit cards aren’t popular as they’re associated with interest and debt, and many people don’t realize how you can take full advantage of a credit card without accruing a cent of interest if you make your payments on time. Many credit cards offer amazing signup bonuses, cashbacks, discounts and unlock a lot of perks and benefits.
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On the other hand, if you do own a business, you can claim interest paid on credit cards as well as related fees as tax deductibles. Using these cards also allow you to easily maintain expenses especially if your business is small, with all expenses recorded within the card statements directly. This allows you to streamline your expenses while also taking advantage of the perks that many credit cards offer. Another advantage of a business credit card is that you can keep your personal finances separate, which can make life a lot easier especially when dealing with tax returns. Further, you can use the credit card to boost the credit rating of your business, which initially begins with a blank slate. Of course, it is also important to remember that credit card limits for personal cards are much lower than those for businesses, which means if you need to make a major transaction, then a business credit card is the way to go.
With this in mind, we sough out the 15 best business credit cards with cashback, that allow you to maximize the advantage they provide to your business, while also making use of the excellent cashback deals they offer. To determine the absolute best credit cards that you should consider opting for, we considered similar analysis by NerdWallet, Forbes and FitSmallBusiness to come up with a final list of our own. So let’s take a look at the credit cards that will rain money, starting with number 15:
15. Capital One® Spark® Classic
There are better Capital One cards further down in our list but this is a good start for a card with no annual fee and 1% cashback on all transaction, not to mention 5% cashback on hotels and car rentals booked through Capital One Travel.
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14. Ramp Card
The Ramp card has absolutely no annual fee required to be paid, and also offers 1.5% cashback on all transactions with no limit. However, the credit card is let down by not having any signing bonus included.
13. Bank of America Business Advantage Unlimited Cash Rewards Secured
If you have poor credit, this is the card for you as you will still be eligible, not to mention have the ability to earn 1.5% cashback on all transactions.
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12. PNC Cash Rewards® Visa Signature
Spend $3,000 in the first three billing cycles and earn $250 as a start; while also getting 1.5% cashback on all eligible transactions.
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11. Wells Fargo Business Platinum Credit Card
With no annual fees and a 30,000 points signing bonus, the Wells Fargo Business Platinum Credit Card kicks off our list. The cashback offered by the card is 1.5%, and also offers APR 13.49% – 23.49% variable.
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10. Ink Business Unlimited Credit Card
A lot of the best business credit cards for cashback offer 1.5% cashback and the Ink Business Unlimited Credit Card is no exception. While it has no annual fees, the best feature is probably that you gain back $750 after spending $7,500 on the credit card within the first three months after signing up.
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9. Wells Fargo Business Elite Signature Card
The Wells Fargo Business Elite Signature Card offers $1,000 cashback or 100,000 points if you spend $15,000 in the first three months after signing up. The annual fees is a bit costly at $125 but it is waived for the first year. You can also earn 1.5% cashback on every $1 spent.
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8. Ink Business Cash Credit Card
Ink has multiple entries among the best business credit cards for cashback, and the Ink Business Cash Credit Card offers 5% cashback on the first $25,000 spent, in addition to $750 cashback on spending $7,500 within 3 months of signing up.
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7. American Express Blue Business Cash Card
American Express is among the most popular companies for business, and the American Express Blue Business Cash Card is no exception, where you get a $250 credit statement after spending $3,000 on the card in the first 3 months. It also has no annual fees and offers 2% cashbacks on all eligible transactions up to $50,000 per calendar year; all further transactions earn 1% cashback.
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6. Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card
If your business doesn’t incur more than $50,000 of costs a year, this card is an excellent one to go with, as it offers 3% on the spending category of your choice, while Preferred Rewards for Business members can also earn between 25% to 75% in a bonus. However, the 2% and 3% categories have a combined limit of $50,000.
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5. Wells Fargo Business Elite Signature Card
The Wells Fargo Business Elite Signature Card offers $1,000 cashback or 100,000 points if you spend $15,000 in the first three months after signing up. The annual fees is a bit costly at $125 but it is waived for the first year. You can also earn 1.5% cashback on every $1 spent.
4. Capital One Spark Cash Select
While there’s a better version of this card below in our list of the best business credit cards with cashback, the Capital One Spark Cash Select does not have an annual fees, and offers 1.5% cashback on all transactions, and 5% cashback on hotels and rental cards booked through Capital One Travel.
3. Capital One Spark Cash Plus
It has an annual fee of $150, and has a great signing bonus where you get $500 on spending $5,000 in the first three months, while you can earn $500 more if you spend $50,000 in the first 6 months. You also earn 5% cashback on hotels and rental cards booked through Capital One Travel, while all other transactions get you 2% cashback.
2. U.S. Bank Business Leverage® Visa Signature® Card
This credit card is a dream come true for many business owners, where you can earn 5% cashback on prepaid hotels and car rentals booked in the Travel Rewards Center, and 2% back in the top two categories of spend each month, with the rest of the transactions earning 1% cashback.
1. U.S. Bank Business Triple Cash Rewards World Elite Mastercard
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a mouthful, but the card definitely delivers, with a welcome bonus of $500 on spending $4,500 in the first 150 days of opening the account. The credit card has no annual fees and provides 5% cashback on prepaid hotels and car rentals booked in the Travel Rewards Center, 3% cashback on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants, while 1% cashback is available on everything else!
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