Best Business Cashback Cards 2025: Ranked by Category

The right business cashback card returns 2-5% on your spending. The wrong one earns you 1% while a better option would have earned 5%.

Most business owners use one card for everything—leaving hundreds or thousands in cashback on the table. The solution isn't complicated: match your spending categories to cards that reward those categories.

Here's every business cashback card worth considering in 2025, organized by what they're best for.

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Best Overall Cashback Cards

These cards earn solid returns on all spending, regardless of category.

Capital One Spark Cash Plus

Best for: Unlimited 2% on everything, high spenders

Why it wins: The highest flat-rate cashback available. The $150 fee pays for itself at $7,500 annual spend (you'd earn $150 in cashback). Anything above that is pure profit.

Best for: Businesses spending $100K+/year who want simplicity over category optimization.

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American Express Blue Business Cash

Best for: No-fee 2% cashback up to $50K

Why it wins: No annual fee with 2% back on most business spending. The $50K cap means heavy spenders should pair it with another card.

Best for: Businesses spending under $50K/year who want maximum simplicity.

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Chase Ink Business Unlimited

Best for: High limits with 1.5% unlimited

Why it wins: Chase offers high credit limits and doesn't report to personal credit. The 1.5% is lower than competitors, but the sign-up bonus and credit access make up for it.

Best for: Businesses prioritizing credit access over maximum cashback rate.

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Best Category-Specific Cards

These cards offer elevated rewards in specific spending categories.

Best for Office Supplies & Internet: Chase Ink Business Cash

Why it wins: 5% at Staples, Office Depot, and on internet/phone bills adds up fast. A business spending $500/month at office supply stores earns $300/year from that category alone.

Best for: Any business buying office supplies or paying for internet/phone services.

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Best for Gas: Sam's Club Business Mastercard

Why it wins: 5% on gas is the highest available. The $6,000 cap limits benefit, but for fleet vehicles under that threshold, it's optimal.

Best for: Businesses with moderate fleet gas spending.

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Best for Gas (High Volume): BP Business Solutions

Why it wins: For high-volume gas purchases at BP stations, the per-gallon discount can exceed cashback card returns.

Best for: Businesses with significant BP/Amoco station access and high fuel volume.

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Best for Dining: American Express Business Gold

Why it wins: 4x Membership Rewards points = approximately 4-8% value depending on redemption. If you dine frequently for business, this card pays for itself.

Best for: Businesses with significant client entertainment and dining expenses.

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Best for Advertising: American Express Business Gold

Why it wins: Digital ad spending is a major expense for many businesses. 4x points on Google and Facebook ads provides significant return.

Best for: Businesses spending $10K+/year on digital advertising.

Calculation: $50,000 in ad spend × 4x points = 200,000 points ≈ $2,000+ value. Minus $375 fee = $1,625+ net benefit.

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Best for Shipping: American Express Business Gold

Why it wins: E-commerce and product businesses ship constantly. 4x on shipping costs adds up.

Best for: Product-based businesses with significant shipping expenses.

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Best for Travel: Capital One Spark Miles

Why it wins: 2x miles = 2% back when redeemed for travel. Plus travel protections and no foreign transaction fees.

Best for: Businesses with significant travel expenses who want simple redemption.

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Best Cards by Business Type

E-Commerce Business

Primary spending: Shipping, advertising, office/tech supplies, inventory

Recommended cards:

1. Amex Business Gold — 4x on advertising and shipping
2. Chase Ink Cash — 5% on office supplies and internet
3. Capital One Spark Cash Plus — 2% base on everything else

Expected return: 3-4% overall

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Professional Services

Primary spending: Software, travel, dining, marketing

Recommended cards:

1. Amex Business Gold — 4x on dining and advertising
2. Chase Ink Cash — 5% on office and internet
3. Amex Blue Business Cash — 2% base

Expected return: 2.5-3.5% overall

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Construction/Trades

Primary spending: Materials, fuel, supplies

Recommended cards:

1. Sam's Club Business — 5% on gas
2. Chase Ink Cash — 5% on supplies, 2% on gas
3. Capital One Spark Cash — 2% base

Expected return: 2-3% overall

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Restaurant/Food Service

Primary spending: Food supplies, equipment, utilities

Recommended cards:

1. Amex Blue Business Cash — 2% on first $50K
2. Chase Ink Cash — 5% on internet/phone
3. US Bank Triple Cash — 3% on gas and cell

Expected return: 2% overall

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Marketing Agency

Primary spending: Digital ads (heavy), software, subcontractors

Recommended cards:

1. Amex Business Gold — 4x on advertising
2. Chase Ink Cash — 5% on internet
3. Capital One Spark Cash — 2% base

Expected return: 3-4% overall (if ad spending is high)

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Card Stacking Strategy

Using multiple cards maximizes returns. Here's how to build your stack.

The Optimal 3-Card Stack

1. Category card for your highest spending category (Ink Cash, Amex Gold)
2. Second category card if applicable (gas card, dining card)
3. Flat-rate card for everything else (Spark Cash, Blue Business Cash)

Example Stack: $150,000 Annual Spend

Effective rate: 2.96%

Compare to single 1.5% card: $2,250/year Extra earned with stack: $2,190/year

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Annual Fee Analysis

When Annual Fees Are Worth It

Capital One Spark Cash Plus ($150)

• Break-even: $7,500 annual spend (vs. 0% card)
• Worth it if: Spending $50K+/year

American Express Business Gold ($375)

• Break-even: $9,375 in 4x categories (vs. 2% card)
• Worth it if: $15K+/year in advertising, shipping, or dining

When to Skip Annual Fees

• Annual spending under $50K
• Spending doesn't fit premium card categories
• Already have adequate credit limits

No-Fee Alternatives

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Sign-Up Bonus Comparison

Strategy: Apply for cards when you have planned spending to meet requirements organically.

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Application Order

If building a card stack, apply in this order:

1. Chase Cards First (5/24 Rule)

Chase won't approve new cards if you've opened 5+ personal cards in 24 months. Get Chase business cards before this becomes an issue.

• Chase Ink Cash
• Chase Ink Unlimited
• Chase Ink Preferred

2. American Express Second

No strict application rules like Chase. Generally approves existing cardholders more easily.

• Amex Business Gold
• Amex Blue Business Cash
• Amex Blue Business Plus

3. Capital One and Others

Capital One is inquiry-sensitive. Apply after other cards.

• Capital One Spark cards
• US Bank cards
• Bank of America cards

Spacing: Wait 30-90 days between applications to avoid appearing credit-hungry.

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Your Cashback Optimization Checklist

Step 1: Analyze Your Spending

• Categorize last 12 months of expenses
• Identify top 3 spending categories
• Calculate monthly spend per category

Step 2: Select Your Cards

• Choose category card for highest spend
• Choose base card for remaining spend
• Calculate expected annual return

Step 3: Apply Strategically

• Apply for Chase cards first
• Meet sign-up bonus requirements
• Wait 30+ days between applications

Step 4: Optimize Usage

• Set up card assignment system
• Track category spending caps
• Request credit limit increases at 6 months

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Next Steps

Stop earning 1% when you could earn 3-5%. Review your spending categories, pick cards that match, and start capturing value you've been leaving behind.

The best card for your business is the one that matches how you actually spend—not the one with the best marketing.

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Want a customized card recommendation? Freedom Consulting analyzes your spending and builds optimized card portfolios. Book a free consultation to maximize your business rewards.

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Related: Business Cashback Mastery | Sign-Up Bonus Strategy

Disclaimer: Card terms change frequently. Verify current offers before applying. Credit decisions are made by card issuers.

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Continue Learning

This article is part of our Business Cashback Mastery: The Complete Guide to 2-5% Back on Everything guide series.

Related articles in this series:

• Points vs Miles vs Cashback: Which Rewards Are Actually Worth More?
• Credit Card Sign-Up Bonus Strategy: How to Earn $5,000+ in First Year
• Credit Card Reward Programs: Complete Guide to Points and Perks