For instance, you could transfer your Amex points to Air France-KLM Flying Blue to book discounted flights to Europe using Flying Blue’s monthly Promo Rewards. If you’re a fan of Chase and searching for a no-annual-fee business card, the Ink Business Unlimited may be a great option. Partners are not able to review or request changes to our content except for compliance reasons. Financial products are highly regulated so we work closely with partners to make sure the information we have on our site is accurate and includes any required legal language and disclaimers. FinanceBuzz makes money when you click the links on our site to some of the products and offers that we mention. Businesses of any size will enjoy straightforward minimum cash-back opportunities on this card plus increased earnings on travel when booked directly through Capital One’s travel booking site.

But a card like the Capital One Spark Cash Plus with no preset spending limit might suit larger enterprises with heavier expenses. Small-business owners who don’t want to worry about redeeming miles and prefer cash-back rewards will enjoy this card’s simplicity. This one gives has a 0% Intro APR period that lets you pay no interest on purchases for 12 months — plus the opportunity to earn cashback. Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved or otherwise endorsed by these entities. If you’re a Bank of America business banking customer, this card might be a no-brainer. There’s no perfect card out there for everyone, but if you’re looking for a cashback credit card for your business, here are our top choices to help you narrow down your selection.

Cards issued by Comenity Bank are generally easy to get approved for even if your credit score is lower than average. Issuer travel portals like Chase Travel, Amex Travel, Citi ThankYou Travel, or Capital One Travel can offer higher rewards or redemption value than booking directly. Compare prices, but if the portal deal is better, it’s usually worth the extra step. These cards can earn more if you spend strategically, but they take a little more effort to maximize.

The Capital One Spark Miles for Business card has an intro offer of 50,000 miles after spending $4,500 in the first three months from account opening. You can transfer Capital One miles to 15+ airline and hotel transfer partners, including Air Canada Aeroplan and Wyndham Rewards, and you’ll earn at least 2 miles per dollar spent on all purchases. Plus, the card has an introductory annual fee of $0 the first year, then $95.

How many credit card rewards points can I earn?

The Capital One Platinum Secured may make it a little easier since your credit limit might be higher than your deposit, but I’d recommend paying down the balance weekly to avoid accidentally maxing out the card. Simply put, the ‘best’ credit card is the one that provides the most value with the least work. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and services or by you clicking on certain links posted on our site.

Who should consider a rewards card?

The best cash back credit cards for business offer elite rewards on purchases and often have a valuable initial bonus. Based on WalletHub’s analysis of 1,500+ credit card offers, many of the best cash back credit cards for business also have a $0 annual fee or give extra cash back for important small business expenses. Examples include office supplies, telecom services, gas, and dining (some cards are from WalletHub partners)…. Show more  In general, cash back credit cards for business are credit cards that small business owners and authorized representatives can use to earn rewards equal to a percentage of whatever they spend.

Capital One Savor Cash Rewards Credit Card

• Read our full review of the Bank of America Business Advantage Customized Cash card.
• You get similar benefits that come with the more premium Capital One Venture cards with a smaller annual fee of $95 (see rates and fees).
• So if your business has a hefty expense budget, you’ll still be looking at a wealth of cash-back rewards each year, all while improving your credit scores so you can eventually qualify for better cards.

For example, you might earn $200 after you spend $500 in three months, or 60,000 points when you spend $3,000 in three months. The Chase Freedom Flex® includes elevated cash back on three categories year-round plus 5% rotating bonus categories each quarter, making it a winning rewards credit card for everyday use. If you’re looking for ease of earning on all your purchases — or a card that earns well on purchases that don’t fall into bonus categories with other credit cards — the Ink Unlimited card is a clear winner. There are few perks more rewarding than earning a large number of points automatically — but that’s just the attraction of the Amex Business Gold. You’ll earn 4 Membership Rewards points per dollar in your top two spending categories each billing cycle (on up to $150,000 of these purchases annually, then 1 point per dollar). Categories include popular business expenses like U.S. restaurants, U.S. advertising in select media and U.S. computer software, to name a few.

Best Credit Cards For Rewards Of 2025

So if you’re currently carrying significant debt (and paying a high-interest rate) on one business credit card, it makes sense to do a balance transfer to a card with a lower or 0% intro rate. You can basically refinance that debt on one or more of your business cards by moving it over to one with a lower interest rate. Since you are paying a lower rate, you can more easily and more affordably pay off the debt on the new card. As a small business best cash back business credit cards of november 2021 owner, maximizing your bottom line is a top priority, and cashback business credit cards can help you do just that. These cards may have welcome offers and ongoing rewards that you can drive back into your business. Explore the top cash back business credit cards in 2021, including Chase Ink Business Cash, American Express Blue Business Cash, and Capital One Spark Cash.

• Chose the category you like – cash back, for fair credit, secured or with no annual fee and compare cards by annual rewards, intro bonuses, and introductory APR.
• The best ideally earn a minimum of 2 percent back on any purchase you make.
• Many purchases only earn 1 point per dollar spent, lowering the card’s value as an everyday spend card.

Each card on this list was carefully selected by our team of experts to help our readers get the most out of their spending. Whether you’re looking to earn the most cash back or to pay for your next vacation with points and miles, we’ve got you covered. A rewards credit card offers cash back, points or miles on your everyday spending. Some cards might also offer other features, such as an introductory 0% APR promotion, insurance protections, travel perks and more. If you’re looking for lofty perks without a lofty annual fee (rates & fees), the Venture X fits the bill.

Information about the Capital One Quicksilver Secured Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Bank of America often slides under the radar when compared to major issuers like Chase and American Express, but small-business owners should absolutely consider the Bank of America Business Advantage Customized Cash. Business owners who want to earn lucrative Chase Ultimate Rewards points will appreciate what the Ink Business Preferred offers. Zach Johnson is Founder of FunnelDash, the Agency Growth and Finance company, with their legendary Clients Like Clockwork solution.

Doing so would yield a 3% return on all spending based on TPG’s valuations. If you’re looking for a lower annual fee or a card that earns bonus points on more purchase categories (not just your top two per month), consider the Ink Business Preferred® Credit Card. The Citi Double Cash Card is one of the top flat-rate cash-back cards, a great option for those trying to make their wallet a little more manageable. You’ll earn 2% cash back wherever you spend, without having to worry about specific categories or eligibility. While the card doesn’t come with a ton of extra perks, it has no annual fee or limit on the rewards you can earn, making it a great option for earning rewards no matter where you swipe. If you’re working on building up your credit, the Capital One Quicksilver Secured Credit Card is a great secured option that still earns rewards.

Delta SkyMiles® Gold American Express Card

While it’s not technically “illegal” to use a business card for personal use, it’s generally against the terms and conditions of most business credit cards. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.

Earn three free nights when you charge $3,000 within three months of account opening. Cardholders rack up 10 points per dollar charged on hotels, car rentals and attractions booked through Citi Travel. Here’s a quick look at how our card ratings are distributed as of May 2024, as well as some of the key factors that we considered in selecting this month’s Best Cards. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Bankrate follows a stricteditorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

For cash back, we think Chase’s Ink Business Cash Credit Card offers the best rewards business credit card. If you prefer points-based rewards, though, you’ll do better with the Blue Business® Plus Credit Card from American Express. And for travel rewards, we recommend Capital One Spark Miles Select for Business.