The West News Advisor created this guide to help savvy business owners use the best business credit card to earn cash-back rewards on expenses. Credit cards in this category typically give back a percentage of spending as cash-back rewards – an attractive feature for those who pay their credit card bills in full each month. Visit this web page regularly to see all on-hand discount offers!
If you are searching for one, our Advisor compiled this list of the best business credit cards for cash back – see which is right for your circumstances here!
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Best Business Credit Card For Cash Back
| Credit Card | Annual fees | Credit score needed | Bonus rewards |
|---|---|---|---|
| Capital One Spark Cash Select for Excellent Credit | $0 | Excellent | $750 Cash Back |
| Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® | $0 | Excellent | $300 online bonus cash rewards |
| Capital One Venture X Business | $395 | Excellent | 150,000 Miles |
| The Business Platinum Card from American Express | $695 | Good, Excellent | Earn 120,000 Membership Rewards® points |
| Ink Business Preferred® Credit Card | $95 | Excellent, Good | New Cardmember Offer! Earn 100,000 bonus points |
| Ink Business Unlimited® Credit Card | $0 | Excellent, Good | Earn $750 bonus cash back |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard | $0 | Good, Excellent | $500 cash bonus |
| FNBO Business Edition® Secured Mastercard® Credit Card | $39 | Bad/Poor | N/A |
| Marriott Bonvoy Business® American Express® Card | $125 | Good, Excellent | Earn five Free Night Awards |
| American Express® Business Gold Card | $375 | Good, Excellent | Earn 70,000 Membership Rewards® points |
How To Apply for the Best Business Credit Card For Cash Back
A business credit card application process resembles that of applying for personal cards in many ways. To apply, information such as business name, tax ID number, incorporation status, annual revenue, and more will likely be needed to process an application successfully.
Most issuers offer online applications, but calling your issuer of choice could also prove beneficial – for more details regarding the process, visit our guide on applying for credit cards.
FAQs
1. Which card gives businesses the best cash-back rewards?
No single card can satisfy everyone, but our Advisor has identified the Ink Business Unlimited(r) Credit Card as the ideal business cash-back card. With an easy earning structure and a suite of card member benefits tailored specifically towards small businesses, this card may just be what’s needed for you!
2. What business credit card has 1.5 cashback?
The Ink Business Unlimited(r) Credit Card offers small business owners who prefer an effortless earnings rate and no annual fee an attractive option. Earn 1.5% cash back with every purchase with no cap on how much cashback can be earned – the possibilities are virtually limitless!
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3. What business credit card has 3 percent cash back?
U.S. Bank Business Triple Cash Rewards World Elite Mastercard(r) offers the best 3% cash back business credit card, offering this rebate on purchases of $200 or less at gas stations and EV charging stations; office supply stores; cell phone service providers, and restaurants as well.
4. Is cash back on a business credit card taxable?
Cash-back rewards from credit card purchases are considered rebates on purchases rather than income and thus are non-taxable for businesses. Other forms of rewards may be treated as earned income and subject to annual tax reporting by receiving a 1099 from your financial advisor. Always consult your tax advisor when filing and paying business taxes as required.
