We’ve had a fair share of “Best Business Cards” and “Best No Annual Fee Business Cards” of 2017 and it really goes to show just how popular of a category arose. Furthering the series, this article will be derived of our top handpicked Business Cash Back oriented credit cards, fluctuating between respective cards with annual fees to none. Owning a small business can be a hectic amount of work, and getting your finances on track is a completely viable reason that you need a reliable and rewarding Business credit card suitable for all of your cash-back necessities.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
What puts the Capital One® Spark® Cash for Business on the top of our list is because of it’s consistent 2% cash back ability which makes making that big business purchase a breeze. On top of having unlimited cash rewards that don’t expire, you’ll be able to redeem your cash rewards anytime, for any amount. More importantly, there’s no foreign transaction fee making your over-seas expenses so much more bearable. Quite the attractive card for a $59 annual fee that is satisfyingly waived for the first year.
Capital One Spark Cash for Business Summary:
 The Capital One Spark Cash offers a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening. You're able to earn an unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. 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 This card does come with no foreign transaction fees and $0 annual fee for the first year; $95 after that. |
Earn a consistent 1.5% cash back on your every purchase with a Spark® Cash Select for Business. This could be your small business essentials card with the ability to add employee cards at no additional cost as well as earn unlimited rewards with no expiration. This card also comes with no foreign transaction fee attached making your purchases abroad less of a hassle. This is a great option if you’re not willing to pay a $59 annual fee that comes from the Spark® Cash for Business variant.
Spark Cash Select for Business Summary:
 The Capital One Spark Cash Select offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
You want a go-to staple card in your wallet then the Ink Cash Business from Chase Bank is also a great option, especially for your business-oriented spending since you can earn UR points. Essentially, this card earns 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 as well as 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year all for a beautiful no annual fee and definitely no hassle.
Ink Cash Business Credit Card Summary:
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll 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 • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
Now, the Blue Business Plus® Card from American Express is quite the exceptional card, and if it had a sign-up bonus, it’d definitely take it’s deserving rank at the top of Business Cash Back Cards. Moreover, this card is the ultimate convenience you need in your business -oriented spending with 2x the Membership Rewards Points on all your purchases for the first $50,000 that you spend each calendar year. Again, a highly exceptional card, especially if you can value your MR points at 1.5+ CPP, which would make for an impressive 3+% return on your spending. Not to mention that this card also comes with no annual fee attached as well as tons of transfer partners to choose from
Blue Business Plus Credit Card from American Express Summary:
 With the Blue Business® Plus Credit Card from American Express: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
I see the SimplyCash® Plus Business Credit Card from American Express as the grandmaster of No Annual Fee Business Cards. You can say that this card was a pioneer leading into rewarding small business cards and the rewards structure still holds up reliably with a 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores with the 3% cash back being on a category of your choosing. 5% and 3% apply to the first $50,000 in purchases per calendar year. It’s worth mentioning however, that cash back is automatically redeemed as statement credit.
SimplyCash Plus Business Credit Card from American Express Summary:
 With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
Conclusion:
It’s a given that your business spending can get out-of-hand quick, which is why you need a flexible, convenient and rewarding Business Credit Card that allows you to maximize your spending as much as possible. Most of these cards mentioned offers a consistent cash back like the Capital One® Spark® Cash for Business or Blue Business Plus®, with the exception of my personal favorites; the SimplyCash® Plus Business Credit Card and Ink Cash Business. If you have any card you’d like to add to our list, be sure to comment in the comment section below. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!
