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Tuesday, March 19, 2024

6 Best 2% Cash Back Business Credit Cards (March 2024)

2 Cash Back Business Credit Cards
Adam West

Written by: Adam West

Adam West
Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

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

Best Business Card for Unlimited 2% Cash Back

In the consumer credit world, unlimited 2% cash back cards are almost unheard of — and the same is true in the business card world. The Capital One Spark Cash for Business is the only business credit card offered by a major bank that provides unlimited 2% cash back on every purchase. 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. Capital One Spark Cash for Business

This card is currently not available.

Business Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Additional Disclosure: Information for this card not reviewed by or provided by Capital One.

To get even more value out of your Capital One Spark Cash for Business, you can earn a hefty signup bonus if you meet the minimum spending requirement within the first 90 days. The card’s annual fee is also waived for the first year.

Best Business Cards for 2% Cash Back on Office Supplies

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 on gas station or restaurant purchases.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
18.49% - 24.49% Variable
$0
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.

SimplyCash® Plus Business Credit Card

  • 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.

Best Business Cards for 2% Cash Back on Gas

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.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
18.49% - 24.49% Variable
$0
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.

Business Advantage Cash Rewards Mastercard®

  • 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 Business Edge™ Cash Rewards World Elite™ Mastercard®

The U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard® helps you save on every office supply, cellphone, and gas station purchase, offering 3% cash back in these categories.

 U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

  • 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, ever

Not only can you earn rewards as you go, you’ll also receive a cash back bonus equal to 25% of your previous year’s cash back earnings on your Cash Rewards enrollment anniversary date, up to a maximum of $250.

Get Paid for Your Regular Business Expenses

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.

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.