Calculator: The 6 Best Cash Back Business Cards [2021]

The key to maximizing your cash back is to find the best cards that fit your business spend. Get our top picks and calculate rewards based on your spend.

The Point Calculator's top picks for best cash back business credit cards are:

  • American Express Blue Business Cash™ Card
  • Capital One Spark Cash for Business
  • Capital One Spark Cash Select for Business
  • Chase Ink Business Cash® Credit Card
  • Chase Ink Business Unlimited® Credit Card
  • Costco Anywhere Visa® Business Card by Citi

Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash Card is one of the best cash back business cards with no annual fee. It earns 5% cash back on office supply store, internet, cable, and phone purchases, 2% back on gas and restaurant purchases, and 1% back on everything else. It's a great card if you tend to spend a lot at office supply stores or on utilities. If you add the card to an account that has an Ultimate Rewards credit card attached to it, you'll be able to convert your Chase cash back into Ultimate Rewards Points which will add significant value to the card.

Chase Ink Business Cash® Credit Card
Rewards Rate
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Chase Ink Business Unlimited® Credit Card

If you're looking for a flat rate cash back card with easy to redeem rewards, the Chase Ink Business Unlimited® Credit Card is a great option. It earns a flat 1.5% cash back on all purchases that can be put towards business expenses, travel, and much more. Pair it with the Chase Ink Business Cash Credit Card or link it to an Ultimate Rewards credit card to be able to covert your cash back to Ultimate Rewards Points.

Chase Ink Business Unlimited® Credit Card
Rewards Rate
  • Earn unlimited 1.5% cash back on every purchase made for your business
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card earns 2% cash back on the first $50,000 in purchases ran through the card during the year, and 1% cash back for the remainder of the year once that cap is hit. It has no annual fee and is one of the best small business cards if you plan on spending $50,000 or less per calendar year.

American Express Blue Business Cash™ Card
Rewards Rate
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Capital One Spark Cash for Business

If you want to earn a great return across unlimited spend at a flat rate, the Capital One Spark Cash for Business earns 2% cash back on all purchases with no cap. It's a great option if you plan on running medium to heavy business spend throughout the card all year. The card also has no foreign transaction fee which makes it one of the best cash back business cards for international spending.

Capital One Spark Cash for Business
Rewards Rate
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is an unlimited 1.5% cash back card. It's a great option if you don't spend enough to make the annual fee on the Spark Cash for Business worth picking up. The Spark Cash Select for Business has no foreign transaction fee which makes it another great option for earning easy cash back when spending internationally.

Capital One Spark Cash Select for Business
Rewards Rate
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees

Costco Anywhere Visa® Business Card by Citi

If you do business with Costco and your business often deals with travel expenses, the Costco Anywhere Visa Business Card might be a solid option. It earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. Rewards earned with this card also stack with the rewards you can earn as being a Costco Executive or Business Executive member.

Costco Anywhere Visa® Business Card by Citi
Rewards Rate
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your business spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top rated business credit cards that earn cash back rewards. This can include retail cards as well (e.g. Costco).

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-24 By Robert Flowers III

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