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Top 4 business credit cards with cash back

Everyone loves a good cash back reward. Whether it is personal expenses or business ones, credit cards with cash back always come in handy. For businesses, credit cards with cash back rewards can make a big difference. Each credit card has its own benefits, offers, and rewards along with drawbacks. Choosing the right credit card for your business depends on multiple factors such as the specific needs of your business, minimum purchases that you make, and so on. On the other hand, it is also important to carefully look at the various features and offers of a credit card such as the annual fee, regular APR, bonus rewards, balance transfer fee, cash back rewards offered, foreign transaction fee, and employee card benefits. It might seem like a tricky job, but selecting the right credit card can be made easy when you have the right information.

Take a look at the top four business credit cards with cash back and select the one that suits your unique business needs.

Spark® Cash from Capital One®
If you are looking to earn rewards on your business credit card, then this one can be very promising. The structure of the cash back rewards for Spark Business ® is simple – you get flat 2% cash back on every purchase you make. The rewards get interesting here; the cash rewards do not expire, there is no minimum amount for redeeming the cash back, and there is no upper limit cap for earning the rewards. Moreover, you get a sign-up bonus of $500 on a purchase of $4,500 and this is applicable only within the first three months of the account opening. There are additional perks for employees that include free cards, primary car rental coverage, and no fees on foreign transactions. However, there is a $95 annual fee that is charged after the first year.

Being one of the top business cards with the highest rewards rates, this card can be great for those who are particularly looking for earning generous cash back.

Get the Spark® Cash from Capital One® if you –

Want to earn cash back on every purchase
Want to earn a sign-up bonus
Want to use the credit card abroad
Want to earn cash back through purchases made by employees
Want to set an automatic threshold on redemption

Ink Business Cash℠ Credit Card
The Ink Business Cash℠ Credit Card is apt for those who have an excellent credit score. Also, the card can be a great pick if your primary business costs include telecom, cable, Internet, and office supply purchases. The card also comes with a 0% intro APR promotion for 12 months on purchases. Once you spend $3,000 within the first three months, you earn $500 cash back bonus and on spending first $25,000 on combined purchases of office supplies, phone services, cable, and the Internet, you can earn 5% cash back. Moreover, you also earn a 5% cash back on combined spending $25,000 at restaurants and gas stations on each of your account anniversary years. The card comes with $0 annual fee and the balance transfer fee stands at 5% of each balance transfer amount or $5, whichever is greater.

Get the Ink Business Cash℠ Credit Card if you –

Have office supply purchases
Are looking to earn $500 initial bonus
Are looking for $0 annual fee
Have a credit score of 750 or higher

SimplyCash® Plus Business Credit Card from American Express
This is one of the popular picks of business credit cards with cash back and no annual fee. The cardholders can receive rewards of 1% to 5% cash back on purchases. One of the benefits that this card offers to its new cardholders is the evasion of interest on new purchases for a long period. It offers 0% interest for 15 months, which is a comparatively extended period for a business credit card. However, the regular APR of this business credit card can be pretty high ranging from 14.49% to 21.49%, which depends on the creditworthiness of the person applying for the card. Also, the card comes with a 2.7% foreign transaction fee.

On spending the first $50,000 on wireless phone services that are purchased from U.S. service providers, you can get a 5% cash back. The card also allows you to spend beyond your credit limit with the “Extended Buying Power” and also earn cash back on those purchases.

In order to get approved for the SimplyCash ® Plus Business Credit Card, you need a credit score ranging from good to excellent, which is not less than 700.

Get the SimplyCash® Plus Business Credit Card from American Express if you –

Are looking for a $0 annual fee
Are looking for auto reward cash back and monthly credit statement
Are looking to spend more than the credit limit
Want to earn heavy cash back rewards

Business Advantage Cash Rewards Mastercard® credit card from Bank of America
This business credit card with cash back is for those customers of Bank of America who qualify for the Business Advantage Relationship Rewards program. The card comes with a $0 annual fee, 2% cash back on restaurant purchases that include the first $50,000 on a combined spend of dining purchases or choice category each year and 1% post that, 3% cash back on gas station purchases or you can select from any of these categories -computer services, office supply stores, telecom or TV and wireless, travel, or business consulting. Moreover, if you make a purchase of at least $3,000 within 90 days of account opening, you get a $300 statement credit.

One of the things that make this business credit card unique is that, if you are a member of the Business Advantage Relationship Reward program, you can earn bonus rewards up to 75% on the base earnings of every purchase that you make.

In order to get qualified for this program, you need to have an active business checking account in Bank of America along with an average combined daily balance of $20,000 for a period of three months in a qualifying business investment accounts in Merrill Lynch® business investment accounts and business deposit accounts in Bank of America and/or Merrill Edge®.

Get the Business Advantage Cash Rewards Mastercard® credit card if you –

Are a loyal customer of Bank of America and have an existing business checking accounts with the bank
Are looking for a 0% intro APR on purchases for nine billing cycles
Have an inventory purchase or big equipment purchase coming up
Are looking to earn a handful of cash back rewards on gas stations, office store supply, and telecom purchases

When it comes to cash back credit cards for businesses, there are numerous choices to pick from. The bottom line is, knowing which credit card is best for your business and which is not. Whether you have a medium-sized business or you are running a self-entrepreneurial firm, cash back credit cards are perfect for various purchases and flexible rewards. From cash back benefits to no annual fee, from minimum or no transaction fee to rewards on office supply purchases and travel rewards, there are a handful of cards that you can look at. Keep this information of the top four business credit cards handy to choose the right credit card for your business and make an informed decision.

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