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Cashback business credit cards allow you to earn some extra cash with every purchase you make. While the cashback won’t be much for individual purchases, the rewards can quickly add up.

For instance, if you get 1% cashback and accrue $50,000 worth of business expenses, you'll end up with $500 in cash back. While no one would turn down an extra $500, you can make more than that with the best cash back business credit cards. 

Cashback isn’t the only perk. Some business credit cards have additional perks on top of cash back that make them hard to ignore. This guide will unveil some of the best business credit cards with cashback rewards.

Best cashback business credit cards

  • Ramp Business Credit Card
  • Capital One Spark 2% Cash Plus
  • American Express Blue Business Cash Card
  • Bank of America Business Advantage Unlimited Cash Rewards Mastercard
  • Chase Ink Business Unlimited Credit Card

What is a cashback business credit card?

A cashback business credit card gives you money for every purchase you make, typically in the form of statement credit. While some cards prioritize travel rewards, cash rewards cards prioritize money that you can use to trim your credit card debt or deploy into your business.

These cards have additional perks to help them stand out, such as elevated cashback in specific categories, no annual fees, and 0% intro APR promotions. Some card issuers charge annual fees for card membership but offer better cash rewards. You might also find cards with low balance transfer fees.

Knowing what you want from a credit card and how much time you want to spend looking at individual spending categories can help you decide which card is right for you.

How to redeem cashback rewards

Each credit card issuer has a different user experience and platform. You will have to log into your provider's portal to redeem cashback rewards. You can access your credit card account on your computer or through the issuer's mobile app. Some providers allow you to choose between different redemption options, such as cash, gift cards, and other perks.

Are cashback rewards taxable?

Cashback rewards are not treated as income. Therefore, they are not taxed. The IRS treats cashback rewards as discounts or rebates instead of income.

Earn cashback rewards with the Ramp Business Credit Card

The Ramp Business Credit Card offers cashback on purchases with no annual fee or late fees. You also won’t have to pay any interest on your Ramp card, and you can get a higher credit limit compared to a traditional business credit card. 

Ramp also provides spending insights that help you stay on top of your business expenses and how employees use their corporate cards. You can learn more about Ramp and see how it works by requesting a free demo.

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CPFC, Finance Contributor
Marc Guberti is a certified personal finance counselor and a freelance writer. His work has been featured in US News & World Report, Newsweek, Fox Business, and other publications.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.

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