6 Best Cash Back Business Credit Cards for your Company
Discover top business credit cards offering cashback rewards and explore how these cards can streamline financial operations and maximize savings for your business.
What are cash back business credit cards, and how do you choose the best one for your spending needs?
Your business operates on spending, so why not earn from it? Whether you’re paying for inventory, investing in growth, or keeping your office running, it’s worth looking into a business credit card or corporate card option that rewards you for your spending. The right business card will not only give you access to your capital but, with platforms like Slash, can also provide return value in high cash-back corporate cards and an all-in-one financial management software.¹
With a wide range of card offers touting high cash back and other perks, it can be tricky to find the right one for your business. In this guide, we’ll compare top options like Slash, Chase Ink, Amex, and Bank of America to give you a better idea of which card works best for your business. We’ll also highlight how Slash’s charge card lets you access more: accounting tools, analytics, extensive expense tracking, and competitive cash back at up to 2%.
Types of Business Credit Cards
Business credit cards offer numerous benefits and tools, including cash back rewards, expense management software, and other perks tailored to your industry’s vertical needs. It’s necessary to consider a credit card by how it best fits your business. Here’s are the business card categories to consider when finding the right fit for your business:
Cash Back Business Cards
If you’re looking for predictable rewards, cash back business cards can reward you with 1-2%+ cash back consistently on your business spending. From using your card on office supplies to new software, earning cash back can give you consistent rewards on every purchase you make, often without any added fees.
Travel Rewards Cards
Some industries and positions rely on frequent travel. Choosing card options that offer travel perks can reward your frequent travel activity: airline perks, redeemable flight miles, or receive statement credits on travel expenses.
Flexible Rewards Cards
Like cashback, your business may sometimes need consistent and flexible reward options. Whether you have unanticipated travel schedules, office expenses, or are a scaling business, flexible rewards cards can give you the flexibility to earn points through inconsistent spend, including travel perks and cash back on office supply stores or other spend.
Cards for New Businesses or Bad Credit
If your business is just starting out or has recently experienced a dip, credit cards with EIN approval or limited personal credit checks give small companies the ability to grow despite low credit scores. You can also benefit from additional perks, which include low to no annual fees and helpful management tools to get your business up and running smoothly.
When you’re selecting the best business credit card for your company’s specific needs, it’s essential to consider features such as cash back rewards and industry-tailored perks like travel rewards, which reward you for common business expenses. However, you should also consider other factors, such as annual fees, statement credit rewards, and multiplier rewards. In general, cash back can be a great way to holistically and flexibly earn rewards. Here’s how cashback cards can help your business:
What is the impact of cashback on your business?
Cash back cards return a percentage of eligible card purchases to you, either as a statement credit, redemption, or rewards perk. For businesses and operators, cash back means earning even on your everyday spend:
- Office supplies and services
- Telecommunications
- Travel expenses
- Digital advertising
- Software subscriptions and CRM
- Shipping and freight
Cash back means more money for your business. However, as you compare options, consider the trade-offs that may involve hidden fees, such as annual fees, whether the card charges foreign transaction fees, and how easy it is for you to create new cards and assign cardholders.
6 best business cards for cash back
Below are the standout cash back cards available in today’s market:
Slash Corporate Card
Slash offers financial software and banking services built for operators who want predictable cash rewards and total financial control. You can earn up to 2% cash back with qualifying merchants, receive instant and unlimited virtual cards for vendors and teams, and access automation and analytics tools, including the ability to assign merchant limits and rules, cardholder limits, and card groups. Because Slash offers a corporate charge card, you avoid the complexity of revolving interest, and underwriting emphasizes your business's health (often with no personal guarantee required at account opening). Slash’s key features:
- Rewards & redemption: Stable, reliable up to 2% cash back for eligible users.
- Controls & limits: Per-cardholder rules, merchant limits, card groups, and real-time alerts and expense tracking.
- Ops & integrations: API tools and accounting integrations with QuickBooks and Xero.
- Who it’s for: High-volume ecommerce, ad-heavy brands, multi-entity operators, and teams wanting an all-in-one financial workflow.
Capital One Spark Cash Plus (Cash Plus)
Capital One is a traditional bank option with a flat-rate 2% cash back on every purchase. Check the annual fee vs. expected earn, confirm foreign transaction fees, and consider whether pairing with Capital One Venture fits better with your travel needs. Because Capital One is a more traditional option, you miss out on software and financial service features that are available through fintech options like Slash.
American Express Blue Business Cash (Amex)
The American Express Blue Business Cash Card offers 2% cash back with a yearly cap of $50,000. Other options in the Amex ecosystem may offer other rewards and perks: Business Platinum card (for Priority Pass lounge access, Global Entry credits via statement credit, and premium travel benefits) or the Business Gold card for category multipliers. Amex is another traditional banking option and may fall short of software tools in comparison with modern fintechs like Slash.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard
Bank of America Business Advantage Unlimited Cash Rewards Mastercard offers 1.5% cash back with $0 annual. This option can be good if you have existing treasury accounts with Bank of America, though you may miss out on some financial software options.
Chase Ink Business Unlimited Credit Card
The Chase Ink Card offers unlimited 1% cash back and $0 annual fee with flexible redemption. The card also offers many intro promotions, but it’s important to consider long-term spending. Chase also offers a broader ecosystem of cards more tailored to specific spend: Ink Business Preferred, Ink Business Cash, and Chase Travel. Their offerings can be complicated, and you may miss out on software tools available from other options.
Brex Card
Brex touts worldwide card acceptance and multiplier rewards on category-based spend. It’s essential to check for specific international pricing and foreign transaction fees, and ensure that Brex’s offerings align with your spending, as their cards may be less suitable for generalized rewards.
6 factors to consider when choosing a cashback business card
Cashback structure
Cashback structures may differ by either flat-rate or category-based multipliers. If your spending is broad and recurring, a stable 1.5%-2% cashback card lets you earn generally (Slash Charge Card with 2% cash back). If you’re a team with more focused spend, like travel, you may consider category-based multiplier cards (Ink Business Cash).
Annual fees vs. rewards potential
Consider annual and monthly fees or other potential fees before choosing your card. While fees may be worth it in the long term, ensuring you’re aware of what you’re paying is a must. For frequent travelers, consider the value of Priority Pass lounge access, Global Entry fee reimbursement, and travel protections.
Welcome bonuses and intro offers
Large bonus offers are tempting, but may not stack up later down the road. If a high cashback intro or balance transfer window helps during a temporary period, great; otherwise, ensure you consider the long-term effects of your card option.
Redemption options and flexibility
Different cards offer different redemption options: statement credit, direct deposits to your business cash or Member FDIC checking, or travel rewards via options like Chase Ultimate Rewards or Chase Travel or Amex partners. Straightforward high cash back is great if you’re looking for flexible spend options.
Additional benefits beyond cashback
Many modern banking platforms, such as Slash, integrate with software and financial management tools, as well as high cash-back cards. Look for benefits to your finances, from unlimited virtual cards, accounting tools, ERP or CRM integrations, and expense tracking tools.
Credit requirements
Be aware of the requirements and credit limits when opening a credit card. Cards like Amex Blue Business Plus may dynamically adjust credit limits, while other cards will set fixed credit limits dependent on spend history or business credit. Some products require a personal guarantee and pull your personal credit score. Others (like Slash for many businesses) underwrite on business performance and EIN.
Unlock up to 2% cashback and spend control with Slash
A well-chosen business card should serve you best, in all areas. Slash sits at the intersection of stable rewards and better financial and operational management:
- Earn up to 2% cash back with qualifying merchants.
- Instant and unlimited virtual cards tied to per-merchant rules, customizable cardholder limits, and card groups.
- Automated categorization, exports, and accounting with QuickBooks and Xero.
- Charge card with underwriting built for modern operators, often with no personal guarantee at account opening.
- Access to banking, expense tracking, and accounting/ERP integrations, all consolidated in one dashboard.
If your team wants a dependable cash back card with the precision of a finance platform, the Slash corporate card is designed for everyday spending reality.
Frequently asked questions
Can I get a cashback business credit card if my business is new?
Yes, you can get a cashback business credit card if your business is new. Cash-back credit cards with EIN approval or limited personal credit checks allow small and new companies to obtain cards, even if they are new. You may need to provide your individual credit history, so ensure you check with the specific requirements before you apply for a new card.
Does using a business reward credit card impact my personal credit score?
Using a business reward credit card may impact your personal credit score. This is dependent on the information you’re required to provide when applying for the card.
Are employee cards eligible to earn cashback?
Yes. Slash cash back rewards accrue at the account level across all cardholders. For Slash users, you can issue virtual cards for each vendor or team and earn on all spend.