Running a business means spending money. That’s normal. But what if you could get some of that money back? With the right card, you can. The top cash-back business credit cards let you earn while you spend. These cards are built for small businesses, freelancers, and startups. They offer real value when you pay for supplies, travel, or services.
Cash back cards work by giving you a percentage of your spending back. Some give 1%, others 2% or more. The best ones offer higher rates in categories like gas, advertising, or office supplies. And many come with sign-up bonuses if you meet a spending goal early.
The key is to find the one that matches your business needs. Do you spend a lot on travel? Look for a card that rewards travel purchases. Do you buy a lot of software or cloud services? Find a card that gives better returns in those areas. This guide will help you compare the top options in 2025.
What Are the Top Cash Back Business Credit Cards?
Here are the most popular cash back business credit cards this year:
- Chase Ink Business Preferred
- American Express Business Gold
- Capital One Spark Cash for Business
- Discover it Business Card
- Bilt Business Mastercard
- Wells Fargo Business Elite Card
Each card has its own perks. Some give high rewards in specific categories. Others offer flat-rate cash back. Some have no annual fee. Others charge a fee but give more value in return. We’ll look at each one below so you can decide which fits your business best.
Chase Ink Business Preferred – Great for Travel and Big Spenders
This card is good for businesses that spend on travel, internet, or shipping. It gives 3X points on these categories. It also offers a big bonus if you hit $8,000 in spending within three months.
- Sign-up bonus: Up to $1,000
- Annual fee: $95
- Rewards rate: 3X points on travel, shipping, internet, cable, and phone bills (up to $150,000 per year)
- Other benefits: Free employee cards, travel insurance, and access to Chase Ultimate Rewards
If your business travels often or spends heavily on services like internet or phone bills, this card could be worth it.
American Express Business Gold – Best for Custom Rewards
Amex Business Gold lets you pick two categories where you spend the most. Those two get 4X points. You can change them every month. This makes it flexible for different types of businesses.
- Sign-up bonus: Up to $750
- Annual fee: $195
- Rewards rate: 4X points on two chosen categories, 3X on dining, 1X on all else
- Other benefits: Amex Offers, Global Assist Hotline, and easy tracking tools
This card works well for businesses that spend across multiple vendors. It’s best for companies that can use the extra features and don’t mind the annual fee.
Capital One Spark Cash for Business – Simple and Reliable
This card gives 2% cash back on every purchase. No limits. No rotating categories. Just flat, steady returns. There’s no annual fee either.
- Sign-up bonus: $500
- Annual fee: $0
- Rewards rate: 2% cash back on all purchases
- Other benefits: No foreign transaction fees, free employee cards, and online account tools
It’s ideal for small businesses that want a simple way to earn without tracking bonus categories. If you want a no-fuss card, this one fits the bill.
Discover it Business Card – Perfect for Startups
Discover it Business gives 5% cash back on up to $1,500 in quarterly purchases. The categories rotate each quarter. Gas stations, restaurants, and office supply stores are common picks.
- Sign-up bonus: None
- Annual fee: $0
- Rewards rate: 5% on rotating categories (up to $1,500), 1% on all else
- Other benefits: Free FICO score updates, fraud protection, and no foreign fees
This card suits small businesses with lower monthly spending. It’s great if you can plan your purchases around the current bonus category.
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Bilt Business Mastercard – Earn Cash Back on Rent
Most business cards don’t let you earn rewards on rent. Bilt does. You can pay your commercial rent with this card and earn 1% cash back. If you pay your balance in full, you get 1.5%.
- Sign-up bonus: None
- Annual fee: $0
- Rewards rate: 1–1.5% cash back
- Other benefits: Rent payment tracking, partner deals, and no foreign fees
This is a game-changer for businesses that rent office space. It turns a fixed cost into a source of income.
Wells Fargo Business Elite Card – Solid All-Around Option
This card gives 1.5% cash back on all purchases. It has a modest sign-up bonus. The annual fee is $95, but the benefits may make it worth it.
- Sign-up bonus: $300
- Annual fee: $95
- Rewards rate: 1.5% cash back on everything
- Other benefits: Cell phone protection, travel insurance, and no foreign fees
It’s a solid choice for businesses that want a mix of cash back and basic travel perks. It’s not flashy, but it’s reliable.
Comparison Table: Top Cash Back Business Credit Cards
Use this table to quickly compare your options. Match your spending habits to the card that gives the most value.
How to Choose the Right Card for Your Business
Pick a card based on how you spend. Ask yourself:
- What do I spend the most on each month?
- Do I prefer flat cash back or higher rewards in certain categories?
- Can I handle an annual fee if the benefits outweigh the cost?
- How much do I spend each month?
Answering these questions will help you choose the card that works best for your business.
Tips to Maximize Cash Back Earnings
Here are a few ways to get more from your card:
- Charge everything you can. Office supplies, software, meals, and even taxes can go on your card.
- Pay off your balance each month. Interest charges can cancel out your cash back.
- Track bonus categories. Especially with rotating offers, timing matters.
- Use it for recurring bills. Internet, phone, or cloud services add up fast.
- Check your statement regularly. Make sure you’re earning the correct amount.
Small changes can lead to bigger savings over time.
Final Thoughts
The top cash-back business credit cards can help your business save money. Each card has pros and cons. Some reward travel. Others give flat rates. Some have no fees. Others offer big bonuses.
Take time to compare. Think about how your business spends. Pick the card that fits your style. Then start earning cash back on expenses you already have.
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Frequently Asked Questions (FAQ)
Q: Do I need good credit for these cards?
A: Most require good to excellent credit. A score of 690 or higher is usually needed.
Q: Can I apply for more than one card?
A: Yes. But too many applications at once can hurt your credit score.
Q: Is there a limit on how much cash back I can earn?
A: Some cards cap bonus categories. Others offer unlimited rewards.
Q: Can I use a personal card instead of a business card?
A: You can, but business cards often offer better rewards and expense tracking.
Q: What happens if I carry a balance?
A: You’ll be charged interest. This can erase any cash back you earned.
Q: Are there no-fee cards with good cash back?
A: Yes. Discover it Business and Capital One Spark Cash are two examples.
Q: Can I add employees to my account?
A: Most business cards let you add authorized users or issue employee cards.
Q: How long does it take to get the bonus?
A: Usually 60–90 days after meeting the spending requirement.
Q: Can I transfer balances to a business card?
A: Some allow it. Check the terms before applying.
Q: Will this affect my personal credit?
A: Most business cards require a personal credit check and can impact your score.
