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Best Cash Back Business Credit Cards of November 2022

Compare cash back business credit cards on Myfin.us.

Best Credit Cards for Cash Back Business in November 2022

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Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
16.24% - 22.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Spark® Cash Select Card doesn't charge an annual fee.

    The card's APR is 16.24% - 22.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
View all Spark® Cash Select details
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Card detail
M&T Bank Business Rewards
Annual fee:
$0
Regular APR:
12.49% - 19.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • 2% Cash Back on all purchases for your first year.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    12.49% - 19.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Rewards Credit Card earns 2% Cash Back on all purchases for your first year, 1% Cash Back thereafter.

    The Business Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 12.49% - 19.49%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • Extra Fees
  • Benefits:
    • 2% Cash Back on all purchases for your first year;
    • 1% Cash Back on all purchases thereafter;
    • Fraud Protection;
    • Digital Wallet.
Card detail
Chase Ink Business Premier℠
Annual fee:
$195 annually
Regular APR:
17.24% - 25.24% Variable
Our Rating:
4.12
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2.5% Cash Back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed.
    • 2% Cash Back on all other business purchases.
  • Intro Offer:
    • $1,000 Bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening.
  • Issuer name:
    Chase
  • Details:

    The Chase Ink Business Premier℠ Credit Card earns $1,000 bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening. The Card offers 2.5% Cash Back on every purchase of $5,000 or more, 2% Cash Back on all other business purchases.

    The Card's APR: 17.24% - 25.24% (Variable).

    The Ink Business Premier℠ Card has an annual fee of $195.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • $1,000 Bonus Cash Back (after you spend $10,000 on purchases in the first 3 months after account opening);
    • 2.5% Cash Back on every purchase of $5,000 or more;
    • 2% Cash Back on all other business purchases;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Roadside Dispatch;
    • Cell Phone Protection;
    • Employee cards.
Card detail
Black Hills Federal Credit Union Visa Cash Back
Annual fee:
$0
Regular APR:
7.75% - 17.90% Variable
Our Rating:
4.57
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 1.5% Cash Back on everyday purchases.
  • Intro Offer:
    • $200 Cash Back after spending $2,000 during first 90 days opening the card.
  • Balance Transfer APR:
    7.75% - 17.90% Variable
  • Issuer name:
    Black Hills Federal Credit Union
  • Details:

    The Visa Cash Back Credit Card from Black Hills Federal Credit Union earns 1.5% Cash Back on everyday purchases.

    Earn $200 Cash Back after spending $2,000 during first 90 days opening the card.

    The Card doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 2.90% for balance transfers for the first 12 months (7.75% - 17.90% Variable after that).

  • Pros:
    • No Annual Fee
    • No balance transfer fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Cash Back (after spending $2,000 during first 90 days opening the card);
    • 1.5% Cash Back on everyday purchases;
    • Travel Accident Insurance;
    • Auto Rental Collision Damage Waiver.
Card detail
Zions AmaZing Cash® for Business
Annual fee:
$0
Regular APR:
13.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $750 Cash Back when you spend $7,500 in the first 120 days.
  • Purchase Intro APR:
    0% Intro APR for the first 6 months from account opening
  • Balance Transfer APR:
    13.24% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The AmaZing Cash® for Business Credit Card earns 3% back on office supplies and technology, 2% back on travel, and 1% back on everything else. Get $750 Cash Back when you spend $7,500 in the first 120 days.

    The AmaZing Cash® for Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 13.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $750 Cash Back (when you spend $7,500 in the first 120 days);
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications;
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals;
    • 1% Cash Back on all other purchases;
    • Visa® Zero Liability;
    • Visa Concierge Service;
    • Travel Accident Insurance;
    • Travel & Emergency Assistance;
    • Emergency Card Replacement;
    • Emergency Cash Disbursement.
Card detail
Truist Business Cash Rewards
Annual fee:
$0
Regular APR:
15.24% - 24.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on gas.
    • 2% Cash Back at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month.
    • 1% Cash Back on all other eligible purchases.
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles
  • Balance Transfer APR:
    15.24% - 24.24% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Business Cash Rewards Credit Card earns 3% Cash Back on gas, 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month). Plus, earn 1% Cash Back on all other eligible purchases.

    The Business Cash Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 9 billing cycles on purchases. After that, the variable APR is 15.24% - 24.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on gas;
    • 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month);
    • 1% Cash Back on all other eligible purchases;
    • Visa® Zero Liability protection;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Visa Signature Concierge.
Card detail
Webster Visa® Business Cash Preferred
Annual fee:
$0
Regular APR:
16.99% - 25.99% Variable
Our Rating:
5
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $25 Bonus reward applied to your account after your first purchase.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles
  • Balance Transfer APR:
    16.99% - 25.99% Variable
  • Issuer name:
    Webster Bank
  • Details:

    The Webster Visa® Business Cash Preferred Credit Card earns 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases, 1% Cash Back on all other purchases.

    The Visa® Business Cash Preferred Card doesn’t charge an annual fee.

    The Card has a 0% introductory APR period for 6 billing cycles on purchases and balance transfers made within 186 days of account opening. After that, the variable APR is 16.99% - 25.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases;
    • 1% Cash Back on all other purchases;
    • Free employee cards;
    • Zero fraud liability;
    • Auto rental collision damage waiver.
Card detail
PNC BusinessOptions® Visa Signature®
Annual fee:
$0 - $500 annually
Regular APR:
13.24% - 19.24% Variable
Our Rating:
4.08
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on purchases.
  • Intro Offer:
    • $750 Make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
  • Balance Transfer APR:
    13.24% - 19.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC BusinessOptions® Visa Signature® Credit Card earns 1.5% Cash Back on all purchases. You have the ability to choose your rewards program. The BusinessOptions® Visa Signature® allows you to choose between cash back, miles, and PNC points®.

    The APR on purchases and balance transfers ranges from 13.24% to 19.24% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • $750 bonus;
    • 1.5% Cash Back on purchases;
    • Choose either a pay-in-full option or a revolving credit option to pay off your balance;
    • Choice of 3 rewards programs;
    • Ability to limit individual employee spending by merchant or purchase category;
    • Visa Signature Travel Benefits.
Card detail
US bank Triple Cash Rewards Visa® Business
Annual fee:
$0
Regular APR:
17.74% - 26.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $500 In Cash Back when you spend $4,500 on purchases in the first 150 days.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 billing cycles
  • Balance Transfer APR:
    17.74% - 26.74% Variable
  • Issuer name:
    US bank
  • Details:

    The US bank Triple Cash Rewards Visa® Business Credit Card earns $500 in Cash Back when you spend $4,500 on purchases in the first 150 days. The Card offers 5% Cash Back on prepaid hotels and car rentals (booked directly in the Travel Rewards Center), 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, restaurants and 1% Cash Back on all other eligible purchases.

    Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

    The Triple Cash Rewards Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on purchases. In addition, there is a 0% introductory APR period for 15 billing cycles on balance transfers made within 30 days of account opening. After that, the variable APR is 17.74% - 26.74%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • $500 in Cash Back when you spend $4,500 on purchases in the first 150 days;
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center;
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants;
    • 1% Cash Back on all other eligible purchases;
    • $100 software credit;
    • Pay With Your Phone;
    • Expense management;
    • Zero Fraud Liability.
Card detail
FNBO First Bank Business Edition® Mastercard® with Reward Simplicity
Annual fee:
$0
Regular APR:
16.49% - 22.49% Variable
Our Rating:
3.97
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Balance Transfer APR:
    16.49% - 22.49% Variable
  • Issuer name:
    First National Bank of Omaha
  • Details:

    The First Bank Business Edition® Mastercard® with Reward Simplicity earns 1.5% Cash Back on all purchases. Plus, earn a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.

    The First Bank Business Edition® Mastercard® with Reward Simplicity doesn't charge an annual fee.

    The Card has a 0% Intro APR period on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 16.49% and 22.49% APR depending on your credit worthiness.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles.
Card detail