Best Business Cash Back Credit Card 2026
Business cash back cards reward every dollar your company spends. From office supplies to advertising, these cards put money back in your business.
Chase Ink Business Cash
5% at office supply stores and on internet/cable/phone services — perfect for most small businesses.
- Rewards: 5% office supply/internet, 2% gas/dining, 1% other
- Annual Fee: $0
- Welcome Bonus: $750 after $6,000 spend in 3 months
Chase Ink Business Unlimited
Simpler option: 1.5% on everything with no category tracking required.
- Rewards: 1.5% on all purchases
- Annual Fee: $0
- Welcome Bonus: $750 after $6,000 spend in 3 months
American Express Blue Business Cash
2% cash back on all eligible US purchases (up to $50K/year) — top flat-rate business cash back.
- Rewards: 2% on all eligible US purchases (up to $50K)
- Annual Fee: $0
- Welcome Bonus: $250 after $3,000 spend in 3 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Ink Business Cash | 5% office/internet | $0 | Office-heavy businesses |
| Ink Business Unlimited | 1.5% everywhere | $0 | Simple cash back |
| Amex Blue Business Cash | 2% on all eligible | $0 | High spenders |
How to Choose
Businesses spending heavily on internet, software subscriptions, and office supplies should maximize the Ink Business Cash 5% category. Otherwise, 2% flat on Amex Blue Business Cash is hard to beat.
Frequently Asked Questions
How is business cash back taxed?
Cash back earned on business expenses is generally considered a discount or rebate, not taxable income. Consult a tax professional.
Can employee cards earn the same rewards?
Yes — most business cards allow employee cards at no extra cost, and all spending earns rewards on the primary account.
What’s the best card for advertising spend?
Chase Ink Business Preferred offers 3x on advertising, making it ideal for businesses running paid digital ads.