Business Credit Cards

The Best Small Business Credit Cards for Cashback Rewards

Running a small business comes with its own set of challenges and rewards. One of the most important decisions a small business owner can make is choosing the right credit card to help manage expenses and earn rewards. Cashback rewards credit cards are a great option for small businesses looking for a simple and effective way to earn rewards. In this article, we will explore the best small business credit cards for cashback rewards.

Chase Ink Business Cash

The Chase Ink Business Cash card is a popular choice for small businesses looking to earn cashback rewards. This card offers 5% cashback on office supplies, internet, cable, and phone services, and 2% cashback on gas and restaurants. Cardholders can also earn a $750 cash bonus after spending $7,500 in the first three months of account opening. Another great feature of this card is that it has no annual fee.

Capital One Spark Cash for Business

The Capital One Spark Cash for Business card offers unlimited 2% cashback on all purchases. Cardholders can also earn a $500 cash bonus after spending $4,500 in the first three months of account opening. This card has a $95 annual fee, but it is waived for the first year. Another great feature of this card is that there are no foreign transaction fees.

American Express Blue Business Cash Card

The American Express Blue Business Cash Card is a no annual fee card that offers 2% cashback on all eligible purchases up to $50,000 per calendar year, then 1%. Cardholders can also earn a $250 statement credit after spending $3,000 in the first three months of account opening. This card also has a 0% introductory APR for 12 months on purchases and balance transfers (then a variable rate, currently 13.24% to 19.24%).

Discover it Business Card

The Discover it Business Card offers 1.5% cashback on all purchases, and cardholders can earn up to 5% cashback on rotating categories each quarter. Discover will also match all the cash back earned at the end of the first year, making this a great option for businesses looking to maximize their rewards. This card has no annual fee and no foreign transaction fees.

Citi Double Cash Card

The Citi Double Cash Card offers 2% cashback on all purchases - 1% when you buy, and 1% when you pay. This card has no annual fee and no category restrictions, making it a great option for businesses that have a variety of expenses. Cardholders can also take advantage of 0% introductory APR for 18 months on balance transfers (then a variable rate, currently 13.99% to 23.99%).

Conclusion

Choosing the right credit card for a small business can be a daunting task. However, cashback rewards credit cards can make earning rewards simple and effective. The Chase Ink Business Cash, Capital One Spark Cash for Business, American Express Blue Business Cash, Discover it Business Card, and Citi Double Cash Card are all great options for small businesses looking to earn cashback rewards. Consider the spending habits and goals of your business before making a decision on which card to choose.