![]() ![]() So depending on how your business spends, you could earn quite a lot of cash―or you could get mostly a 1% rate. Other categories earn lower rates, like 2% on gas and restaurant purchases and 1% on all other purchases on the first $25,000 spent in combined purchases. You can earn that 5% rate on the first $25,000 you spend in a few categories, including internet, phone, cable, and office supply store purchases. (The average maximum cash back rate on this list is 2.25%, less than half that.) The Ink Business Cash Credit Card earns up to 5% cash back―the highest rate we’ve found on a business credit card. One reason why? It has the best cash earning potential. The Ink Business Cash Credit Card from Chase Bank is our overall favorite cash back small-business credit card. That way, you can get a card that earns plenty of cash rewards―and that fits your business’s needs too. You may also want to consider things like maximum credit limits, welcome bonus offers, and even whether or not you have a card issuer preference (if you want to get a card at the same company you bank with, for example). So we suggest looking for a card with no annual fee (or at least making sure you’ll earn enough cash to offset any annual fee) and competitive APR ( annual percentage rate). Earning cash back feels great, sure, but if you end up paying out the nose in fees or interest, you’re not really coming out ahead. ![]() You should also think about the costs that come with your new card. But if you don’t? You may be better off with a credit card that offers a lower cash back rate overall―but a higher rate in the categories you actually spend in. If you regularly spend in those categories, then great! You can probably earn tons of cash. Cards that offer very high cash back rates usually only offer that rate in certain categories. But before you apply for your business credit card, we’d suggest you think about a few other factors. When looking at cash back credit card options, you may be tempted to simply pick the one with the highest maximum cash back rate.
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