6 Best 2% Cash Back Business Credit Cards (2023)

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

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.

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.

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.

2. Ink Business Cash® Credit Card

at Chase'ssecure website

BUSINESS CARD RATING

★★★★★

4.6

Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our in-house experts rate Business credit cards based on:

• Reward rates and redemptions
• Annual and other fees
• Signup bonuses
• Regular and introductory APRs
• Business integration tools
• Employee cards and restrictions

We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.

See Our Review»

Ashley Fricker Senior Editor

Close

OVERALL RATING

4.6/5.0

Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our in-house experts rate Business credit cards based on:

• Reward rates and redemptions
• Annual and other fees
• Signup bonuses
• Regular and introductory APRs
• Business integration tools
• Employee cards and restrictions

We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.

See Our Review»

Ashley Fricker Senior Editor

Close

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®.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases 12 months	N/A	17.74% - 25.74% 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.

• 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

at Chase'ssecure website

BUSINESS CARD RATING

★★★★★

4.6

Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our in-house experts rate Business credit cards based on:

• Reward rates and redemptions
• Annual and other fees
• Signup bonuses
• Regular and introductory APRs
• Business integration tools
• Employee cards and restrictions

We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.

See Our Review»

Ashley Fricker Senior Editor

Close

OVERALL RATING

4.6/5.0

Ink Business Cash® Credit Card

4.6/5.0

About this rating

Our in-house experts rate Business credit cards based on:

• Reward rates and redemptions
• Annual and other fees
• Signup bonuses
• Regular and introductory APRs
• Business integration tools
• Employee cards and restrictions

We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.

See Our Review»

Ashley Fricker Senior Editor

Close

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®.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases 12 months	N/A	17.74% - 25.74% 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.

• 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.

• 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.

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.