The Best Business Credit Cards with Cash Back & Rewards
- D. Shorter
- Mar 20
- 4 min read
Running a business comes with expenses—so why not get rewarded for your spending? Whether you’re buying office supplies, traveling for work, or covering everyday costs, a business credit card with cash back or rewards can help you maximize your purchases and even put money back into your business.
At Black Women in Wallstreet, we believe that smart financial decisions can help you build wealth and grow your business. In this guide, we’ll break down the best business credit cards that offer cash back and rewards, how to choose the right one, and tips to maximize your benefits.
Why You Need a Business Credit Card with Cash Back & Rewards
A good business credit card does more than just cover expenses—it helps you:
✅ Earn Cash Back & Rewards – Get money back or points on everyday business spending.
✅ Separate Personal & Business Finances – Essential for taxes and credit building.
✅ Improve Business Credit Score – Helps you qualify for better loans and funding.
✅ Manage Cash Flow – Flexible spending limits can help with short-term expenses.
✅ Unlock Exclusive Perks – Access travel benefits, purchase protection, and more.
Now, let’s dive into the best business credit cards that offer cash back and rewards.
1. Chase Ink Business Unlimited® Credit Card
⭐ Best for: Flat-Rate Cash Back
💳 Key Benefits:
1.5% unlimited cash back on all business purchases.
$750 cash back bonus after spending $6,000 in the first 3 months.
No annual fee.
0% intro APR for 12 months on purchases.
💡 Why It’s Great:If you want simple, unlimited cash back on everything you buy without tracking categories, this is a solid choice.
2. Chase Ink Business Cash® Credit Card
⭐ Best for: Office Supplies & Gas Rewards
💳 Key Benefits:
5% cash back on office supply stores and internet, cable & phone services (up to $25,000/year).
2% cash back at gas stations and restaurants (up to $25,000/year).
$750 cash back bonus after spending $6,000 in the first 3 months.
No annual fee.
💡 Why It’s Great:Perfect for businesses that spend a lot on office supplies, internet, and phone services.
3. Capital One Spark Cash Plus
⭐ Best for: High-Spending Businesses
💳 Key Benefits:
2% unlimited cash back on all purchases.
$1,200 cash bonus after spending $30,000 in the first 3 months.
No preset spending limit (great for businesses with large expenses).
$150 annual fee.
💡 Why It’s Great:If your business spends big every month, this card rewards you with high cash back on everything.
4. American Express® Business Gold Card
⭐ Best for: Flexible Category Rewards
💳 Key Benefits:
4X Membership Rewards® points on the 2 categories where your business spends the most (up to $150,000 per year).
Categories include: advertising, gas, restaurants, shipping, technology purchases, and more.
$375 annual fee.
💡 Why It’s Great:If your spending changes from month to month, this card automatically rewards your top spending categories.
5. The Business Platinum Card® from American Express
⭐ Best for: Travel Rewards & Premium Perks
💳 Key Benefits:
5X points on flights and hotels booked through Amex Travel.
1.5X points on large purchases over $5,000.
Lounge access at 1,400+ airport lounges worldwide.
$695 annual fee.
💡 Why It’s Great:For business owners who travel frequently, this card offers luxury travel benefits, airport lounge access, and premium perks.
6. Bank of America® Business Advantage Customized Cash Rewards Credit Card
⭐ Best for: Customizable Cash Back Categories
💳 Key Benefits:
3% cash back on a category of your choice (gas, office supplies, travel, etc.).
2% cash back on dining.
1% cash back on all other purchases.
No annual fee.
💡 Why It’s Great:If your spending varies throughout the year, you can customize your highest cash back category.
7. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
⭐ Best for: 3% Cash Back on Essential Business Expenses
💳 Key Benefits:
3% cash back on gas, office supplies, cell phone services, and dining.
1% unlimited cash back on all other purchases.
$500 cash back bonus after spending $4,500 in the first 3 months.
No annual fee.
💡 Why It’s Great:It’s a well-rounded business credit card with high cash back rates on everyday expenses.
How to Choose the Best Business Credit Card for You
🔹 For everyday business spending? → Chase Ink Business Unlimited® (Flat 1.5% Cash Back)
🔹 For office supplies & gas? → Chase Ink Business Cash® (5% Cash Back on Supplies)
🔹 For high spenders? → Capital One Spark Cash Plus (2% Unlimited Cash Back)
🔹 For flexible rewards? → American Express Business Gold Card (4X on Top Categories)
🔹 For travel perks? → Amex Business Platinum Card (Airport Lounges & Flights)
🔹 For customizable categories? → Bank of America Customized Cash Rewards (Pick Your 3% Category)
🔹 For balanced rewards? → U.S. Bank Business Triple Cash Rewards (3% on Essentials)
How to Maximize Your Cash Back & Rewards
💰 Pay your balance in full each month to avoid interest.
💰 Use the right card for the right purchase (e.g., use a gas rewards card for fuel).
💰 Stack rewards with business expenses (ads, software, travel).
💰 Take advantage of sign-up bonuses to get extra cash back.
💰 Monitor your spending to see which rewards categories benefit you most.
Get Paid for Your Business Spending!
Choosing the right business credit card can help you save money, earn rewards, and build your business credit. Whether you want cash back, travel perks, or flexible rewards, there’s a card that fits your business needs.
🔥 Now it’s your turn! Which business credit card do you use? Have you earned rewards that helped your business?
Drop a comment below! ⬇️
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