Money Analysed

Maximizing Your Savings: The Best Cashback Business Credit Cards

Cashback business credit cards are becoming more and more popular among small business owners. These cards offer rewards and perks that can help businesses save money on everyday expenses.

With so many cashback business credit cards available, it can be challenging to know which one to choose. This article will explore the benefits of cashback business credit cards, the rewards and features, and the top choices available in the market.

Importance of Cashback Business Credit Cards:

Cashback business credit cards provide an easy way for businesses to earn rewards on their purchases. These rewards can vary from cashback on purchases to points that can be redeemed for merchandise or travel.

The rewards offered by these cards can be significant, with some cards offering up to 5% cashback on certain purchases. This cashback can add up quickly and can be a significant savings for businesses.

Rewards and Features of Cashback Cards:

Cashback business credit cards come with rewards and features that can help businesses save money on everyday expenses. Some of the most common rewards offered by these cards include cashback on purchases, rewards points that can be redeemed for merchandise or travel, and welcome bonuses.

One of the main features of these cards is the ability to earn rewards on everyday expenses such as office supplies or monthly utilities. Top Choices for Cashback Business Credit Cards:

There are many different cashback business credit cards available in the market today.

The top choices for these cards will depend on the specific needs of the business. Here are some of the best cashback business credit cards available today:

1.

Chase Ink Business Cash: This card offers up to 5% cashback on purchases in various categories such as office supplies, internet, cable, and phone services, and 2% cashback on restaurant and gas station purchases. There is no annual fee, and new cardholders can earn a welcome bonus of $500 after spending $3,000 in the first three months after account opening.

2. American Express Blue Business Cash: This card offers 2% cashback on all purchases up to $50,000 per calendar year.

There is no annual fee, and new cardholders can earn a welcome bonus of $250 after spending $3,000 in the first three months after account opening. 3.

Capital One Spark Cash: This card offers an unlimited 2% cashback on all purchases with no annual fee and a welcome bonus of $500 after spending $4,500 in the first three months after account opening. Features of the Best Cashback Business Credit Cards:

The best cashback business credit cards will have features that match the specific needs of the business.

Here are some of the common features to look for when selecting a cashback business credit card:

1. Bonus categories that match the business’s spending habits, such as office supplies, gas stations, and restaurants.

2. High cashback rates on specific purchases.

3. No annual fees or low annual fees that can be offset with rewards.

4. Welcome bonuses that provide a significant amount of rewards for the business.

5. Perks such as travel insurance, purchase protection, and extended warranty coverage.

Maximizing Rewards, Welcome Bonuses, and Perks:

To maximize rewards, welcome bonuses, and perks offered by cashback business credit cards, businesses should use the card for all of their purchases. This will help earn rewards on all expenses, even if they are not in the bonus categories.

Additionally, businesses should take advantage of the welcome bonuses offered by the card by spending the required amount in the first few months after account opening. Conclusion:

Cashback business credit cards are a great way for businesses to earn rewards and perks on everyday expenses.

With the many options available in the market, businesses should research the available cards and select the one that best matches their specific needs. By maximizing rewards and taking advantage of welcome bonuses and perks, businesses can save money on their expenses and improve their bottom line.

3) The Best Cashback Business Credit Cards

Cashback business credit cards are a popular choice for small businesses. These cards offer rewards on purchases, providing an easy way to save money on everyday expenses.

With so many options available, businesses must choose the right card based on their spending patterns and specific requirements. Here are the top choices for cashback business credit cards:

1.

Ink Business Unlimited Credit Card: This card offers 1.5% cashback on every purchase, with no annual fee. It also has an introductory 0% APR for the first 12 months.

New cardholders can earn a $750 bonus cash back after spending $6,000 in the first three months. 2.

Capital One Spark Cash: This is a great card for businesses that spend a lot on advertising and office supplies. It offers an unlimited 2% cashback on every purchase, with no annual fee for the first year, and then a $95 annual fee.

New cardholders can earn a $500 welcome bonus after spending $4,500 in the first three months. 3.

Blue Business Plus Credit Card from American Express: This card offers 2x membership rewards points on all purchases, with no annual fee. This rewards program is excellent for small businesses that do not spend much on travel or dining.

New cardholders can earn 15,000 bonus points after spending $3,000 in the first three months. 4.

Chase Ink Business Cash: This card offers cashback on various categories: 5% on office supplies, internet, cable, and phone services, 2% on gas stations and restaurants, and 1% on all other purchases. It offers a $500 bonus cash back after spending $3,000 in the first three months, and there is no annual fee.

5. American Express Business Gold Card: This card offers points for each dollar spent in different business-related categories such as shipping, airfare, gas, restaurants, and more.

It has a $295 annual fee. New cardholders can earn 70,000 Membership Rewards points after spending $10,000 in the first three months.

When evaluating the best cashback business credit cards for a business, the annual fee, welcome bonus, and reward program are essential factors to consider. Let us dive deeper into the key features of the Ink Business Unlimited Credit Card.

4) Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card is an excellent choice for businesses that want to earn cashback on all purchases without paying an annual fee. This card has a straightforward and uncomplicated reward program, making it an ideal option for businesses that want to keep it simple.

It offers a 1.5% cashback on every purchase, which can add up quickly for businesses that spend a lot. One of the key features of the Ink Business Unlimited Credit Card is that it has no annual fee.

This is a significant advantage for businesses that want to earn cashback without an annual cost. The card’s introductory 0% APR offer for the first 12 months is a great way for businesses to save money on interest charges for the first year.

The Ink Business Unlimited Credit Card’s reward program offers 1.5% cashback on every purchase with no limit on how much cashback can be earned. This means that businesses can earn cashback on all of their expenses, with no restrictions on the types of purchases that qualify.

This is particularly beneficial for businesses that have a wide range of expenses. Additionally, the Ink Business Unlimited Credit Card offers a lucrative welcome bonus of $750 cashback after spending $6,000 in the first three months of account opening.

This bonus can help businesses earn significant rewards in a short period. Overall, the Ink Business Unlimited Credit Card is an excellent choice for businesses that want to earn cashback on all purchases without paying an annual fee.

The straightforward reward program and lucrative welcome bonus make it an attractive option for businesses that want to maximize their savings.

5) Ink Business Cash Credit Card

The Ink Business Cash Credit Card is an excellent choice for small businesses that want to earn generous cashback rewards on everyday expenses. With a welcome bonus, bonus categories, and easy reward redemption, this card is a top pick for businesses wanting to earn rewards on office-related spending.

New cardholders can earn a $750 bonus cash back after spending $6,000 in the first three months of account opening. This is an outstanding feature of this card, as the bonus is one of the most generous that any cashback business card offers.

In addition to the welcome bonus, the Ink Business Cash Credit Card offers bonus categories that earn businesses higher cashback percentages. Cardholders receive 5% cashback at office supply stores and on internet, cable, and phone services up to $25,000 per year (then 1% after).

The 2% cashback on gas and dining makes it more lucrative than other general spending cards. This makes it an excellent choice for businesses looking to earn cashback on work-related expenses.

The redemption process is straightforward. Cashback rewards earned on the Ink Business Cash Credit Card can be redeemed as cashback statement credits or direct deposit.

This allows businesses to apply cashback earned towards their account balance, effectively reducing their expenses. 6) U.S. Bank Business Triple Cash Rewards World Elite Mastercard

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a great option for businesses that want to earn maximum cashback on a vast range of purchases.

The card has a comprehensive rewards program with bonus categories and a long introductory offer on purchases. New cardholders of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard receive a 0% intro APR on purchases for the first 15 billing cycles.

This is a handy feature for businesses who want to make an important purchase but prefer to pay it down over time. The triple cash rewards program for this card is where it shines.

Cardholders earn 5% cashback on prepaid hotels and car rentals when booked directly with the hotel or rental car agency. Additionally, the card gives 3% cashback on three key business categories: gas stations, office supply stores, and restaurants.

This rewards program is ideal for businesses that need to travel frequently for work and have office-related expenses. The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a World Elite Mastercard, offering an array of travel benefits such as airport concierge, trip cancellation insurance, and roadside assistance.

This makes it a suitable option for businesses whose employees travel frequently for work. Overall, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard is one of the best cashback business credit cards available today, offering a generous rewards program and valuable travel benefits.

The 0% intro APR offer, the 5% cashback on prepaid hotels and car rentals, and the 3% cashback on key business categories make this card an attractive choice for businesses that want to earn significant cashback on purchases.

7) Capital One Spark Cash Plus

The Capital One Spark Cash Plus is an excellent choice for businesses that spend a lot on everyday expenses. It has a simple yet lucrative reward program, making it an attractive option for businesses looking to earn rewards on all purchases.

The Spark Cash Plus offers a flat 2% cashback on every purchase, with no limit on how much can be earned. This means that businesses can earn an unlimited amount of rewards on all expenses, making it an excellent choice for businesses with high spending needs.

One of the unique features of this card is the $1,000 cash bonus after spending $50,000 in the first six months of account opening. This bonus is ideal for businesses that have significant expenses and can easily meet the spending requirement.

The Spark Cash Plus has a $150 annual fee, but new cardholders can receive a statement credit of up to $1,000 to offset the first year’s fee. The combination of the cashback rewards, bonus, and credit makes the Spark Cash Plus a valuable option for businesses that want to maximize their rewards.

8) American Express Blue Business Cash Card

The American Express Blue Business Cash Card is an excellent choice for small businesses looking to earn cashback rewards on everyday purchases. It has a straightforward reward program with no annual fee and an introductory 0% APR on purchases for the first 12 months.

The cashback rewards program offers 2% cashback on the first $50,000 spent each year on eligible purchases. This is a significant feature for businesses that may not spend enough to earn rewards on higher limits.

The eligibility categories include office supplies, wireless telephone services, and shipping purchases. New cardholders can earn a $250 statement credit after spending $3,000 within the first three months of account opening.

This is a useful welcome bonus for small businesses that can easily meet the required spending amount. The American Express Blue Business Cash Card also offers additional benefits such as car rental loss and damage insurance, extended warranty, and travel accident insurance.

These benefits are crucial for businesses looking to save money on expenses related to travel and purchases of high-value items. In conclusion, the American Express Blue Business Cash Card is a great option for small businesses looking to earn significant cashback rewards on everyday expenses.

The welcome bonus, no annual fee, and 0% introductory APR on purchases for 12 months make it an attractive option for businesses that want to save money on interest and maximize their savings.

9) Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card

The Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card is an excellent option for businesses that want to earn cashback rewards on everyday purchases, with the flexibility to customize the bonus categories based on their needs. It offers a generous welcome bonus, cashback rewards, and other benefits that make it a top choice for small businesses.

New cardholders can earn a $300 online statement credit after spending $3,000 within the first 90 days of account opening. This welcome bonus is a great way for businesses to start off their rewards earning journey.

The cashback rewards program is another attractive feature of this card. Cardholders earn 3% cashback on one of six chosen categories such as gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services or other business expenses.

They earn 2% cashback on dining, and 1% cashback on all other purchases. Businesses can choose the category that aligns best with their spending patterns, giving them more control over their rewards.

The earning potential for the bonus categories is capped at $50,000 annually. This limit ensures that rewards are focused on the business’s primary expenses and helps control the cost of rewards rewards fulfillment for the card issuer.

The fact that they are capped means that businesses should carefully consider which category to select to ensure that they maximize their rewards potential. The Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card also offers other benefits, including fraud monitoring and alerts, overdraft protection, and online or mobile banking.

These features provide convenience and security to businesses looking to manage their accounts efficiently. One notable aspect of this card is that it has no annual fee.

This can be a significant advantage for businesses looking to earn rewards without paying a yearly fee that could significantly add up over time. In conclusion, the Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card is a top choice for businesses

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