What's the best 2% cash back business credit card? This question is about Business Credit Cards with Rewards

What's the best 2% cash back business credit card?

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This question is about Business Credit Cards with Rewards

Maria Adams, Credit Cards Moderator

@m_adams • 02/20/21 This answer was first published on 02/19/21 and it was last updated on 02/20/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best 2% cash back business credit card is the Capital One® Spark® Cash for Business because it offers unlimited 2% cash back on all purchases and has an annual fee of $0 intro for 1st yr, $95 after. It also offers a $500 cash bonus for spending $4,500 in the first 3 months.

There aren’t any more business cards that offer 2% cash back on every purchase. But there are a few that offer 2% or more cash back on select purchases. For example, the Ink Business Cash® Credit Card offers 2% cash back on the first $25,000 spent on combined gas station and restaurant purchases each year. It also gives 5% cash back on the first $25,000 spent on combined office supply, internet, cable and phone service purchases per year. And there’s unlimited 1% cash back on everything else.

Some cards offer 2% back in miles too. But you should choose a card based on more than whether it gives 2% back in rewards. Don’t forget about fees, rates, business benefits, etc.

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Best Cash Back Business Credit Cards

Overall Capital One® Spark® Cash for Business
Initial Bonus Ink Business Unlimited® Credit Card
Bonus Categories Ink Business Cash® Credit Card
New Businesses Capital One Spark Cash Select - $500 Cash Bonus
Limited Credit Capital One® Spark® Classic for Business
Bad Credit Wells Fargo Business Secured Credit Card

It’s also worth mentioning that you shouldn’t forget about cash back credit cards meant for personal use. There are some really great deals right now, especially if you don’t plan to spend enough to qualify for a business card’s initial bonus.

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What is the best 2% cash back credit card?

The best 2% cash back credit card is the Citi® Double Cash Card – 18 month BT offer. Citi Double Cash is the best 2% cash back credit card because it has a $0 annual fee and gives unlimited 1% cash back when buying something plus another 1% when paying for it, for a total of 2% cash back on all purchases.… read full answer

For a rewards credit card, 2% cash back on everything is about the best you can aim for. That’s why Citi Double Cash is one of the best credit cards on the market right now. But there are a few other great 2%+ cash back credit cards to consider when shopping for the best deal.

Best 2% Cash Back Credit Cards

Overall Citi® Double Cash Card – 18 month BT offer
Grocery Stores Bank of America® Customized Cash Rewards credit card
Costco Costco Anywhere Visa® Card by Citi
U.S. Gas Stations Blue Cash Everyday® Card from American Express
Restaurants Discover it® chrome
Category of Choice U.S. Bank Cash+™ Visa Signature® Card

At the end of the day, Citi Double Cash is the best 2% cash back credit card because it offers an unlimited 2% cash back rate on all purchases. Most 2 percent cash back credit cards put a cap on the amount you can earn with a 2%+ rate. Or they only give the rate on certain categories of purchases.

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