6 Best 2% Cash Back Business Credit Cards

In the article below, we’ll take a look at some of the best 2% cash back business credit cards available today — a tool that can come in extremely handy for small businesses with tight budgets.

Businesses are expensive. Depending on the size of your business, you could be looking at a yearly cost of between $600 and $1,800 per employee, on vital supplies, including office supplies, tech equipment, janitorial supplies, and breakroom products. And that’s before you add in any of the other dozens of necessities that add to a business’s overhead.

One of the simplest things you can do to find a little wiggle room in your business budget is to make sure that your business credit card is a rewards card. And few rewards cards are as easy to use as a quality cash back card, especially one that provides a solid 2% cash back (or more) on the purchases your business makes most often.

Unlimited 2% | Office Rewards | Gas Rewards

The Blue Business Cash® Card is among the only business credit cards offered by a major bank that provides 2% cash back on every purchase up to $50,000 spent per calendar year. That means no hoops to jump through, categories to keep track of, or bonuses to activate — just 2% cash back every time you swipe.

1

Blue Business Cash® Card

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Blue Business Cash® Card

4.7/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

Ashley Fricker Senior Editor

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★★★★★ 4.7/5.0

at the issuer'ssecure website

• Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
• 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.
• Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
• 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
• Get an application decision in as little as 30 seconds
• $0 Annual Fee

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Intro (Purchases) 0% for 12 months

Intro (Transfers) N/A

Regular APR 16.74% - 26.74% Variable

Annual Fee $0

Credit Needed Good/Excellent

To get even more value out of your Blue Business Cash® Card, you can earn a modest signup bonus if you meet the minimum spending requirement within the first 90 days. The card also charges no annual fee.

The cash back cards on this list don’t just give 2% cash back rewards on office supplies. No, they give you 5% cash back on those office supplies — and whatever else you purchase at your favorite office supply store. Plus, you’ll earn additional bonus cash back in another popular category, like at a gas station or restaurant purchases.

2

Ink Business Cash® Credit Card

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Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

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Ashley Fricker Senior Editor

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★★★★★ 4.6/5.0

Our Review »

• Earn $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
• 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
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Show MoreShow Less See application, terms and details »

Intro (Purchases) 0% Intro APR on Purchases 12 months

Intro (Transfers) N/A

Regular APR 17.49% - 25.49% Variable

Annual Fee $0

Credit Needed Good/Excellent

The Ink Business Cash® Credit Card from Chase is a good choice for business owners of all types, providing a remarkable 5% cash back at office supply stores, as well as on internet, cable, and phone services, on up to $25,000 in combined category purchases each year. On top of its generous rewards rates, the Ink Business Cash® Credit Card provides a solid signup bonus with a minimum spending requirement that should be easily attainable for most small businesses. And you get it all with no annual fee.

3. SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card from American Express gives you some control over your rewards, offering 3% cash back in a category of your choice on top of its 5% cash back on office supplies and wireless expenses.

• Earn 5% cash back on purchases at US office supply stores and with wireless service providers
• Earn 3% cash back on purchases in a category of your choice
• Pay no annual fee, ever

Bonus 3% cash back categories include a variety of common purchase types, including gas stations, restaurants, shipping purchases, and car rentals. Plus, pay no over-limit fees if you need a little extra credit from time to time.

What’s better than 2% cash back on all your gas station purchases? Why, 3% cash back on all your gas station purchases, of course!

Add in cash back bonus rewards on purchases made at restaurants, office supply stores, or on wireless bills, and you have yourself a quality cash back business card. You won’t lose out on your non-category purchases, either; both cards on our list offer unlimited 1% cash back on all other purchases.

4

Ink Business Cash® Credit Card

CardRates Expert Rating

Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

See Our Review»

Ashley Fricker Senior Editor

Close

★★★★★ 4.6/5.0

Our Review »

• Earn $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
• 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
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Show MoreShow Less See application, terms and details »

Intro (Purchases) 0% Intro APR on Purchases 12 months

Intro (Transfers) N/A

Regular APR 17.49% - 25.49% Variable

Annual Fee $0

Credit Needed Good/Excellent

In addition to its 5% bonus categories, the Ink Business Cash® Credit Card also provides a valuable 2% cash back on the first $25,000 in combined gas and restaurant purchases each year.

5. Business Advantage Cash Rewards Mastercard®

Cardholders of the Business Advantage Cash Rewards Mastercard® from Bank of America receive bonus rewards on purchases at restaurants, gas stations, and office supply stores, as well as unlimited 1% cash back on all other purchases.

• Earn 3% cash back at gas stations and office supply stores, and 2% at restaurants
• Receive $200 cash back after spending $500 in the first 60 days
• Pay no annual fee, ever

You can start redeeming cash back rewards earned with your Business Advantage Cash Rewards card after earning at least $25 in rewards. You can redeem for a credit card statement credit, or deposit your rewards directly into a Bank of America checking or savings account.

(The information related to Business Advantage Cash Rewards Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

6. U.S. Bank Triple Cash Rewards Visa®

The U.S. Bank Triple Cash Rewards Visa® helps you save on every office supply, cellphone, and gas station purchase, offering 3% cash back in these categories.

• Earn 3% cash back on gas station, office supply, and wireless service purchases
• Earn unlimited 1% cash back on all other purchases
• Pay no annual fee

Not only can you earn rewards as you go, you’ll also enjoy a 0% intro APR for 12 billing cycles. A perfect choice to finance large business expenses over time.

While few things are guaranteed in the business world, there is one thing you can always count on: you’re going to need supplies. Whether it’s pens and paper, cameras and cords, or simply a reliable phone line, it can take a lot to keep your business going.

That’s why a great business rewards credit card can be such a handy addition to your business family. With bonus cash back on what you really need, including office supplies, communication expenses, and gas purchases, you can add a little wiggle room to your bottom line without needing to sacrifice somewhere else.

Of course, as with consumer credit cards, always make sure you aren’t charging more than you can afford to repay in a timely manner. Your cash back rewards can quickly be overwhelmed by interest fees if you carry a large balance on your card from month to month.

Additionally, your business credit card is an important tool for building business credit, so always use it responsibly. This means maintaining low balances, making at least your minimum required payment each month, and always making your payments before the due date.