Last Updated on April 5, 2025 by mia

One of the most significant issues is cash flow for startup business owners, with 82% of small businesses failing due to poor cash management. 

Looking for methods to cut costs on regular expenses can make all the difference. That’s where the right cash back credit card can give you an edge. 

These cards help save costs and offer rewards on essential purchases like office supplies, shipping, and advertising. 

They can stretch every dollar and put funds back into your business. This guide will help you choose the best business cash back credit cards for startups, saving time and boosting efficiency. 

New Startups connect start-up owners with the right tools to simplify decisions and save money. 

Register now to list your business and join a thriving network of entrepreneurs ready to grow together!

What Is The Best Credit Card For A Small Business?

1. American Express Blue Business Cash™ Card

This card is a favorite among small business owners because it gives 2% cash back on qualified purchases up to $50,000 annually, after which 1% after that. 

What’s great about it is there’s no annual fee, which is a big plus for startups trying to save every penny.

You also get a 0% intro APR for the first 12 months, which makes it easier to manage payments on early expenses. 

The cash back you earn is automatically credited to your statement, so you don’t have to worry about redeeming points. 

It’s a simple, no-hassle option for businesses that want cash back without hidden costs. However, it’s best for businesses with predictable spending since the 2% rate has a cap. 

If your spending exceeds $50,000, you might want to consider another card with unlimited rewards. Still, it’s a solid choice for startups in their early stages.

2. Chase Ink Business Cash® Credit Card

This card offers a generous 5% cash back on office supplies and internet, cable, and phone services (up to $25,000 per year). 

It also gives you 2% back on gas and dining (up to the same limit) and 1% on everything else. 

There’s no annual fee, which is something every startup loves to hear. On top of that, the card comes with a sign-up bonus if you spend a certain amount in the first three months. 

Rewards are flexible, allowing you to redeem points for cash, travel, or gift cards. This is a great choice if your business spends a lot on essentials like supplies and utilities. 

Just make sure you can keep spending under the limit to get the most cash back.

3. Capital One Spark Cash Plus

This card stands out because it offers unlimited 2% cash back with no cap on all purchases or categories to think about. 

It does have a $150 annual fee, but if your business spends enough, the rewards can quickly outweigh it. 

There’s a big cash bonus for new cardholders who meet the spending requirement in the first three months. 

This card is ideal for businesses that have high monthly expenses spread across many categories. 

The simplicity of unlimited rewards makes it hassle-free for busy entrepreneurs. However, you’ll need to pay the full balance each month since it’s a charge card, not a credit card. 

It’s best for startups with a steady cash flow who want straightforward rewards.

4. Bank of America® Business Advantage Customized Cash Rewards

This card lets you earn 3% cash back in any category you choose, like gas stations, office supplies, or travel. 

You also get 2% back at restaurants and 1% on everything else. There’s no annual fee, which makes it appealing for startups attempting to stick to a budget. 

If you’re a Bank of America customer, the rewards get better, with up to 75% more cash back based on your account balance. 

This card is perfect for businesses with targeted spending in certain areas. The flexibility to choose your 3% category means you can adjust it as your business needs change. 

However, the higher rewards are capped at $50,000 per year, which might not suit larger spenders.

5. Discover it® Business Card

What’s unique about this card is how it matches all the cash back you earn in your first year. 

You’ll also get 1.5% unlimited cash back on every single purchase without restrictions. There’s no annual fee, which is always a win for startups. 

The spending tracker tool helps you keep an eye on where your money is going, which is helpful for budgeting. 

Another great feature is that there are no foreign transaction fees, making it good for businesses with international dealings. 

It’s a simple, straightforward option for those who want unlimited rewards with no annual cost. 

The first-year matching bonus can be a huge boost, especially for startups with higher initial costs.

6. Costco Anywhere Visa® Business Card by Citi

This card is ideal for Costco members because it offers 4% cash back on gas, 3% on dining and travel, 2% at Costco, and 1% on everything else. 

As long as you are a Costco member, there is no annual cost, which is required to apply for the card. 

The 4% gas rewards can save you a lot if your business uses vehicles often. However, these rewards have a cap at $7,000 annually for gas purchases. 

The earnings are issued annually as a rewards certificate, redeemable at Costco. This card is great if your small business frequently shops at Costco or needs to fuel up often. 

Keep in mind that it’s not ideal if you’re looking for monthly cash back availability.

7. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

This card offers 3% cash back in popular categories like gas stations, office supplies, telephone services, and restaurants. 

It also has a 1% cash back rate for everything else you buy. New cardholders can enjoy a 15-month 0% intro APR for purchases and balance transfers. 

There’s no annual fee, which makes it a strong contender for startups. The rewards come with no complicated redemptions, and you get a sign-up bonus after meeting the minimum spend requirement. 

This card is perfect for new businesses that want category-specific bonuses paired with a long intro APR. However, it’s worth checking that its reward categories match your business spending patterns.

8. SimplyCash® Plus Business Credit Card from American Express

5% cash back is available on purchases made with this card at U.S. office supply stores and wireless telephone services, plus 3% on a category of your choice. 

The 5% and 3% categories have limits, but you still earn 1% for other purchases. There’s no annual fee, which makes it a safe pick for small businesses just starting out.

It also has a high spending limit, which can be helpful for growing businesses. Another standout feature is the option to carry a balance on purchases over $100, giving you extra flexibility. 

It works best for startups with predictable spending in those categories. Be sure to keep the spending levels within the cap to earn maximum rewards.

Why Does Choosing The Best Business Cashback Credit Card Matter?

Selecting the top credit card for business cash back for your small business helps you save money on everyday expenses. 

With these cards, you can get incentives or cash back for purchases, which can quickly add up and contribute to your bottom line. 

Every card is made to accommodate various purchasing patterns, so focusing on where your business spends the most is key to maximizing rewards. 

For example, if your business spends heavily on office supplies or gas, picking a card that offers higher cash back in those areas will make a big difference. 

The money saved through rewards can be reinvested into your business, whether it’s buying equipment, marketing, or hiring help.

 If you are an AI marketing startup, these savings could fund the tools or strategies you need to grow your business. 

It’s not just about earning rewards but also about managing cash flow efficiently with features like 0% APR periods or flexible payment options. 

Taking the time to compare options ensures you pick one that fits your needs perfectly, turning everyday purchases into valuable savings for your growing startup.

What Should I Consider When Choosing A Business Cash Back Credit Card For A Start-Up?

When choosing the best business cash back credit cards for your start-up, the first thing to look at is how much cash back you can earn based on your business spending habits. 

Certain cards provide greater benefits in particular categories, such as office supplies, gas, or online ads, so make sure these match where your start-up spends the most. 

For instance, if you’re involved in fintech startup marketing, choosing a card that gives strong cash back for digital advertising spend could make a significant impact on your budget. 

Annual fees are another important factor since start-ups often need to keep expenses low; some great cash back cards have no annual fees at all. 

Pay attention to the introductory offers as well, because many of the best business cash back credit cards provide bonus cash back for a set time, which can be a huge boost for your business. 

It’s also helpful to check how easy it is to redeem your rewards, whether it’s as statement credits, checks, or deposits. 

Don’t forget to compare the card’s interest rate, especially if you think you might carry a balance from time to time. 

Always carefully read the fine print to make sure there are no hidden fees or restrictions that might reduce the value of your cash back rewards.

Do Business Cash Back Cards Charge Annual Fees, And Are They Worth Paying?

Some business cash back credit cards charge annual fees, while others do not, so it’s important to compare your options based on the value they offer.

It might be worthwhile to pay an annual fee if the benefits, cash back rates, and perks your business receives outweigh the cost. 

For startups, the best business cash back credit cards can help save money on essential expenses like office supplies, travel, and marketing costs. 

If you’re in need of startup legal advice, the savings generated by your cashback rewards might help offset professional fees or consultation costs. 

Cards with no annual fee are great for keeping overhead low, but those with fees often provide higher cash back percentages or perks like travel insurance and purchase protection. 

Think about how much your business spends every month and if the rewards will save more money than the fee. 

Some of the best business cash back credit cards even offer sign-up bonuses and valuable rewards for your everyday purchases. 

Choosing the right card can give your startup the financial boost it needs, so take time to explore which option fits your spending habits best.

How Can New Startups Help My Business?

New startups can help your business by offering valuable resources that guide you through the challenges of growing a new company. 

From practical advice on managing finances to finding tools like the best business cash back credit cards, it provides solutions tailored to your needs. 

If your startup requires startup legal documents, having access to business cashback funds can assist in covering filing or registration fees. 

By connecting you with trusted tools and information for small businesses, it saves you time and effort in researching what works best.

If you’re looking to cut costs, their insights into financial tools, including the best business cash back credit cards, can help you keep more money in your pocket. 

Additionally, the platform offers tips and actionable steps to improve your efficiency and boost overall performance. 

With clear guidance, it helps you make smarter decisions, ensuring your focus stays on building your business. 

Whether you want to save money, grow faster, or make informed choices, New Startups makes the entire process easier for you, even when navigating complex needs like startup legal services.

Conclusion

Finding the best business cash back credit cards can make a huge difference for any business owner, saving money on purchases while putting some cash directly back into your pocket. 

These cards are a smart way to manage payments because cash back rewards add up quickly and can be reinvested to grow your business. 

Business owners who make frequent purchases for supplies, travel, or everyday expenses will especially benefit from using a card that offers strong rewards. 

With so many options to choose from, it’s worth taking the time to compare cards and find one that fits the specific needs of your business. 

Additionally, using these cards responsibly can build your credit, which is important for securing future opportunities like loans or leasing office spaces. 

New Startups can help, by providing support, professional tools, and advice so you can concentrate on what matters most – building your business.