Which cashback credit card is going to work the hardest for you and your business? The average small business can earn more than $700 a year cashback using a business rewards credit card for typical company-related expenses. This business credit card rewards calculator will help you identify the cashback credit card that pays back the most in rewards, based on how much you actually spend each month.
If you're looking for a cashback credit card for personal use, well, we've got a finder for that, too. Hop on over to our consumer Credit Card Rewards Calculator.
Time or money? You decide between a 3% rewards rate on Amazon-related spending or taking 60 extra interest-free days to pay it off. It’s not quite as dramatic as “Sophie’s Choice” (available for rent on Amazon Prime). But we’ll take any opportunity to invoke this 1982 classic starring Meryl Streep in a credit card review.
The basics: 3% back or 60-day terms on U.S. purchases at Amazon. Terms and cap applies. 2% back at U.S. restaurants, gas stations, and wireless telephone services purchased directly from service providers. 1% back on all other eligible purchases. Get a $100 Amazon.com gift card upon approval.
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Choice of cashback (3%) or more time to pay on Amazon-y purchases
2% on dining, gas and gab (cell services)
$100 gift card upon approval, no spending requirement
$0 annual fee
Amazon Prime membership not required
No foreign transaction fee
Potential referral bonus
Includes Amex perks
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3% rewards/60-day no-interest apply only to Amazon purchases
Choose the 60-day financing and you forgo cashback rewards
Default cashback rate is just 1%
$120,000 annual cap on 3% eligible spending
Redemption minimums revealed upon approval. Weird.
This is the rewardier of Amazon’s two business credit cards, with a higher cashback rate (5%) and longer interest-free period (90 days) on Amazon products and services (including Amazon Web Services and Whole Foods). The catch is that you can choose one or the other, not both.
The basics: 5% back or 90-day terms on U.S. purchases at Amazon. Terms and caps apply. 2% back at U.S. restaurants, gas stations, and wireless telephone services purchased directly from service providers. 1% back on all other eligible purchases. Get a $125 Amazon.com gift card upon approval.
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Choice of cashback (5%) or more time (90 days) to pay
2% back on dining, gas and gab (cell services)
$125 no-strings gift card upon approval
$0 annual fee
No foreign transaction fee
Potential referral bonus
Includes Amex perks
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5% rewards/90-day no-interest apply only to Amazon purchases
Choose the 90-day financing and you forgo cashback rewards
Amex is the classic car of business credit cards. This newer addition to the fleet, with its straightforward 2% cashback setup and $0 annual fee, is a reliable starter card for small business owners who need some cash flow flexibility.
The basics: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Offers 0% introductory APR on purchases for 12 months from the date of account opening, with a variable APR after that.
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2% cashback on eligible purchases (basically everything)
Rewards automatically applied as statement credit
Flexible spending limit
0% APR on purchases for first 12 months
Plays nice with QuickBooks
$0 annual fee
Access to Amex travel perks/protections
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2% cashback rate capped after $50,000 in spending each year
A lowly 1% base rewards rate applies after you hit the annual spending cap
Only one cashback redemption option (statement credit)
Flexibility is the name of the game with the Amex Plum Card, but at what cost? (We can answer that: $250 a year.) While not technically a “rewards card” — or a “credit card” for that matter, since it requires paying off each month’s balance in full — this business card offers 1.5% cash back on balances you pay off early. Forgoing the early bird special buys you extra time (60 days) to settle your tab. Worth it if you need a no-limit charge card when you’re short on cash; less so if you’re all about maximizing rewards.
The basics: The Plum Card from American Express pays an unlimited 1.5% cash back (Early Pay Discount) on the portion of your balance you pay within 10 days of your statement closing date. The card’s Extra Days to Pay option allows you to defer payment of the remainder of your new balance until the payment due date on your next billing statement without incurring interest, as long as you pay at least the minimum payment due.
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Unlimited 1.5% cash back (aka “Early Pay Discount”) on the portion of your balance paid within 10 days of statement closing date
Early Pay Discount applied automatically to next statement as a credit
No spending categories to track
60-day no-interest grace period when minimum payment is paid by the due date
No foreign transaction fees
No preset spending limit (this is a charge card you must pay off each month) makes it good for high-dollar expenses
Up to 99 employee cards available
Comes with Amex’s extended warranty/purchase protection, car rental loss/damage insurance, Global Assist Hotline)
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1.5% cashback applies only to amount of balance paid early
Hard to justify the $250 annual fee for businesses aiming to optimize rewards
0% cashback on purchases not paid during the “Early Pay Discount” window
High “minimum payment” hurdle: 10% of the balance from new card activity, plus the entirety of any previously deferred balance
Steep $15,000 spending requirement in first three months to earn $500 statement credit
Balance must be fully paid off within 60 days or ugly fees apply
Spending limit may vary, based on your credit/payment history and spending behavior
Bank of America Business Advantage Customized Cash Rewards
The flexibility to pick your 3% rewards category each month is cool. But the rewards gravy train slows down to 1% after you hit the bonus spending cap, making it a bummer for businesses that put more than $50,000 a year on plastic.
The basics: Choose how you earn rewards. Earn 3% cash back in the category of your choice, 2% cash back on dining and 1% cash back on all other purchases. You’ll earn 2% and 3% cash back on up to $50,000 in combined purchases in those categories each calendar year, then 1% thereafter. 0% introductory APR on purchases for the first nine billing cycles. Special offer: Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
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Customizable 3% cashback category
2% rewards on three-martini lunches (and other dining)
Offers rewards booster with a B of A biz checking account
$300 sign-up bonus
0% intro APR on purchases for nine months
Compatible with QuickBooks
$0 annual fee
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Annual spending cap on bonus tiers
We’re nonplussed by the 1% default cashback rate
Business management tools are sparse
3% foreign transaction fee
4% balance transfer and cash advance fees
No balance-transfer deal
Requires deeper banking/investing relationship for best rewards terms
Bank of America Business Advantage Unlimited Cash Rewards
A no-annual-fee cashback business card with no spending caps on rewards! Pity about that 1.5% cashback rate, though.
The basics: Earn unlimited 1.5% cash back on all purchases everywhere, every time. 0% introductory APR on purchases for the first 9 billing cycles. Sign-up special: Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
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Simple flat-rate rewards structure
No caps on rewards spending
Potential 25%-75% rewards booster with a BofA biz deposit or Merrill biz investing accounts
$300 sign-up bonus
0% intro APR on purchases for nine months
Compatible with QuickBooks
$0 annual fee
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1.5% cashback rate across the board is the definition of "meh"
3% foreign transaction fee
No intro APR on balance transfers (and a 4% transfer fee to boot)
Business management tools are sparse or cost extra
Requires deeper banking/investing relationship for better rewards terms
This is a business rewards card option if your credit (or your business’s) is less than stellar. The stingy 1% rewards rate and potentially low credit limit reflect that. But hey, it’s a start.
The basics: Earn unlimited 1% cash back for your business on every purchase, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
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A 1% cashback rewards card option for those with just OK credit
No cashback spending caps or category restrictions
5% cashback on hotels/rental cars through Capital One Travel
Cashback redeemable at any time for any amount
No foreign transaction fees
$0 annual fee
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Meh 1% rewards rate
No higher rewards tiers (except through Capital One Travel)
Only those with excellent credit need apply for this $0-annual-fee card. With that you’re eligible for a $500 sign-up bonus, which, like the 1.5% cashback rate, is good but not 🤯.
The basics: Earn unlimited 1.5% cash back for your business on every purchase, no limits or category restrictions. Plus, earn a $500 cash bonus when you spend $4,500 in the first three months.
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1.5% cashback on everything, no caps, no category restrictions
$500 cash bonus up for grabs
Cash back is redeemable at any time for any amount
$0 annual fee
No foreign transaction fees
5% cashback on hotels and rental cars booked via Capital One Travel
Plays nice with QuickBooks, Quicken and Excel
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Requires “excellent” credit in exchange for just “OK” terms
To clarify, 1.5% rewards rate is just “OK” in the biz card world
High sign-up bonus spending requirement
No purchase or balance transfer introductory APR offering
Punishing penalty APR (north of 30%)
Capital One Spark 1.5% Cash Select for Good Credit
Need some breathing room on paying off new purchases and have less-than-stellar credit? The 12-month interest-free purchase window on this card is a handy cashflow tool, and a 1.5% no-limit cashback rate on purchases sweetens the deal.
The basics: Earn unlimited 1.5% cash back for your business on every purchase, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. 0% introductory APR for the first 12 months that the account is open. .
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1.5% cash back on everything, no caps, no categories
5% cashback on hotels and rental cars booked via Capital One Travel
Rewards redeemable at any time for any amount
$0 annual fee
0% intro APR for 12 months
Offers basic business tools and protections
No foreign transaction fees
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A 1.5% rewards rate is table stakes among biz rewards cards
No higher cashback tiers = limited earning potential
Stop reading now if you ever carry a balance on your biz card. (Balances must be paid in full each month or you’ll shell out a 2.99% late fee.) Still here? The $150 annual fee on the Capital One Spark 2% Cash Plus card buys you a rewards rate upgrade from the 1.5% no-fee Spark cards. It also features a more flexible credit limit than a typical credit card because it’s a charge card (translation: balances must be paid in full each month).
The basics: Earn 2% unlimited cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel.
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2% unlimited cash back, no caps, no category restrictions
$500 welcome bonus on $5,000 spent in first three months (that’s 10% cash back)
Lack of a preset spending limit is convenient for businesses that have big expenses
Multiple reward redemption options; reward transfers allowed between certain Capital One rewards accounts
No foreign transaction fees
5% cashback on hotels and rental cars booked through Capital One Travel
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Balance must be paid in full when statement is received, as in minimum payment = your entire balance
2.99% late payment fee applies to balances not paid in full
Just to be crystal clear: This. Is. A. Charge. Card. Not a credit card
Spending limit may vary, based on your credit/payment history and spending behavior
Additional $500 welcome bonus (if you spend at least $50,000 in the first six months) equates to 1% cash back
Requires spending $200K a year to earn the $200 annual bonus
If you’ve got a rock star credit record, are approved for a high credit line and a low ongoing APR (we’re talking as low as 9.99%), and can make do with a 1.5% cashback business credit card without tons of frills, the no-fee Capital on Tap Business credit card just might do, as long as your business qualifies.
The basics: Earn 1.5% cashback on all purchases. Credit limits up to $50,000. No foreign exchange fees. Apply in two minutes and get a response within 48 hours. Applying won’t affect your credit score. Get $200 back if you spend $15,000 in your first three months.
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Simple no-fuss 1.5% cash back on all purchases
No rewards caps or categories to track
High potential credit line — up to $50K
Low 9.99% potential APR
No annual fee
No foreign transaction fees
Applying doesn’t impact your credit score
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High $15K spending requirement to earn $200 sign-up bonus
No balance-transfers allowed. Period
No intro APR on new purchases or balance transfers
High end of the range of potential APRs is in nosebleed territory
10% minimum monthly payment requirement
Sole proprietorships and charities/non-profits need not apply
For office-bound businesses, the 5% cashback rate on supplies, internet, cable and phone services is mwah 🤌. (Earning 2% on gas and restaurants … also cool.) Have another Chase card with Ultimate Rewards? The ability to combine rewards can pay off even more.
The basics: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases with no limit to the amount you can earn. 0% intro APR on purchases for 12 months from account opening. New cardmember offer: $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.
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High 5% cashback rate on business essentials
2% cashback at gas stations and restaurants
$750 sign-up bonus
0% APR on purchases for 12 months
Multiple redemption options
Lets you combine points with other Chase Ultimate Rewards-earning cards
$0 annual fee
Referral bonus available
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5% and 2% cashback categories subject to $25K annual spending caps, darnit
Chase Ultimate Rewards fans rejoice! Here’s the small-biz version of your consumer card, but with flat-rate, spending-cap-free rewards and a chonky $750 sign-up bonus. Plus you can combine points earned with a consumer card to boost your Chase Ultimate Rewards redemption options.
The basics: Earn unlimited 1.5% cash back rewards on every purchase. 0% intro APR for 12 months from account opening on purchases. New cardmember offer: $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.
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Hassle-free, flat-rate rewards on all purchases
$750 sign-up bonus
0% APR on purchases for 12 months
Multiple redemption options
Lets you combine points with other Chase Ultimate Rewards-earning cards
$0 annual fee
Pays out referral bonuses
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1.5% rewards rate is it. No higher rewards tiers offered 🥲
The Costco business credit card has quite the handsome rewards rate when paired with an Executive membership. Of course, membership is required — and not just for you, but any employees you want to add as authorized users. That'll cost you some extra cashola each year to carry this card.
The basics: Earn 4% cashback on eligible gas and EV charging worldwide for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel purchases worldwide; 2% on all other purchases from Costco and Costco.com, and 1% on all other spending.
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2% to 4% earnings rates on multiple spending categories
Respectable cashback rewards on non-Costco purchases, too!
Extra earnings potential for Costco Executive Members
No foreign transaction fees
No annual fee (for the card)
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$7K annual spending cap on 4% cashback on gas
Redemptions available only once per year ...
... and they expire
1% base cashback rate can be limiting
No sign-up bonus or 0% intro APR deals
Authorized users must also be Costco members (at $60 a pop every year)
A recent glow-up turned the TD Business Solutions Credit Card into a 2% unlimited cashback card. (TL;DR: You're no longer required to redeem rewards into a TD Bank deposit account to earn the full 2%, and for that, we say thank you.)
The basics: Earn unlimited 2% cash back on all purchases. Earn $250 cash back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
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2% cashback on all eligible purchases
No cashback limit
No reward categories tracking necessary
Sign-up bonus available
No annual fee
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$25 (2,500 point) cashback redemption minimum
3% foreign transaction fee
No introductory balance transfer or purchase offer
It’s the monthly spending cap that triggered our side eye. Once you hit the $2,000 combined — c-o-m-b-i-n-e-d 👀 — limit on the purchases within the two top cashback categories, it’s all downhill, unless you’re a Truist biz banking customer and qualify for the Loyalty Cash Bonus booster.
The basics: Earn 3% cash back on gas and 2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month. Earn 1% cash back on all other eligible purchases. 0% intro APR on purchases for nine months after account opening.
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3% cashback on gas and 2% on restaurants and office supplies
0% intro APR on purchases for nine billing cycles
10%-50% loyalty cashback bonus for Truist biz banking customers
No annual fee
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$2,000 monthly spending cap for 2% and 3% eligible purchases — combined
Yes, combined
Just 1% cashback on everything else
Loyalty Cash Bonus requires maintaining a Truist business deposit account
Think “rotating rewards card without the need to strategize your spending.” And also “minus a decent rewards rate,” come to think of it.
The basics: Earn 2% cash back in the top two categories where you spend the most each month automatically and 1% cash back per dollar spent on all other eligible purchases. Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner’s card within the first 120 days of opening your account. No annual fee for the first year and $95 thereafter.
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Automatic 2% cashback on two top spending categories
$750 intro bonus when you spend $7,500 within the first 120 days
5% cashback on prepaid hotels and car rentals booked through U.S. Bank
Need a cheap financing option ASAP? The 0% intro APR on purchases and balance transfers for 15 months is 🎂. Earning an unlimited 3% cashback on office supplies, cell phone expenses, gas and restaurants is like getting the corner piece of cake with extra frosting.
The basics: Earn 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases. Introductory 0% intro APR on purchases and balance transfers for 15 billing cycles. Earn $500 in cash back after spending $4,500 on the account owner’s card in the first 150 days of account opening.
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Unlimited 3% cashback on common business expenses
0% purchase and balance transfer APR for 15 billing cycles
5% cashback on prepaid hotels and car rentals booked through U.S. Bank
$500 cashback intro offer. Noice.
$100 annual credit for certain recurring software subscriptions
Real-time rewards redemptions
No annual fee
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1% default cashback rate = have another, rewardier card handy
Tight 30-day balance-transfer window to qualify for 0% intro APR
How to use the business credit card rewards calculator
The inputs: The “Monthly Spend” amount is the only required input to generate a list of results. Expanding the “Spend Categories” menu lets you tailor the results even further by entering your monthly credit card spending amounts in seven key categories (Cell Phones, Dining, Gas, Office Supplies, Travel, and “Other”). We strongly urge you to do so, since a lot of cards pay elevated rewards rates on purchases in certain categories which can affect how much cash back you’ll really earn. “Filter Results” lets you hand-pick the cards you see.
The math: When you tap in how much you spend per month for each of the spending categories, we apply each provider's rewards rate for that spend type to calculate the “Cash Back Per Year” amount. To ensure the most accurate results, we factor in rewards program spending category bonus rates, rewards spending caps and default rewards rates, when applicable. If a card charges an annual fee, that amount is backed out of the total annual rewards figure.
The extras: Clicking “Apply Now” will take you to that credit card’s application page. But before that, you might want to take a gander at our homework. Click “Dayana’s Take” for a high-level overview of each card’s reward program and our likes and dislikes.
Note: The results include all of the rewards cards in our database, listed in descending order of the amount each card is expected to pay out annually based on the spending inputs. (See “Methodology” below for more.)
How do you calculate the reward rate for credit cards?
Not all credit card rewards are created equal. Points or percentage cash back earned can vary from card to card depending on each loyalty program's rules. But a few mathematical shortcuts make it easy to calculate and compare reward rates.
Calculating cashback credit card rewards
Cashback credit cards that pay a percentage of each purchase back to you are the easiest reward rates to calculate.
To convert a 1.5%, 3%, or 5% cashback rate into dollar terms, divide the cashback percentage number by 100. For example, a card that pays 1.5% cash back on all qualifying purchases has a rewards rate of $0.015 (1.5 divided by 1000) per $1 spent. A card offering 3% cash back pays you $0.03 for each dollar you spend; 5% nets you $0.05, and so on.
The above math works for a card that offers the same rewards rate for all purchases. But there are other reward structures that aren’t as straightforward and require a bit of reverse engineering to calculate.
Here’s how to calculate the rewards rate per $1 spent on cards with different bonus tiers or caps on how much you can earn: Divide the total amount you earned in rewards by the amount you spent to earn it.
Rewards rate example of a card with bonus spending categories: Let’s say you use a card that offers elevated cashback rates on travel (3%) and gas (2%) and 1.5% on everything else. During the month you spend $400 on a plane ticket (earning $12 in rewards), $100 on gas ($2) and $500 on other stuff ($7.50). Your total rewards rate — $21.50 divided by the $1,000 you spent — is $0.0215 per dollar. Multiply that by 100 and you’ve got your cashback rewards rate percentage: 2.15%.
Rewards rate example of a card with spending caps: YYou spend $1,000 treating your staff to a celebratory dinner at a local fine dining establishment. You use a rewards card that offers 5% cash back on restaurant spending up to $500 a quarter, and 1% cash back on amounts above that. Your total rewards payout is $30 — $25 for the portion of your tab that qualified for the 5% bonus rate and $5 cash back for the amount that exceeded the spending cap. Your total rewards rate comes to 3% ($30 divided by $1,000 = $0.03 back per $1 spent.).
Calculating points-based credit card rewards
To figure out the reward rate on a credit card that rewards you points on your spending, you need to know 1) how many points you get per $1 spent and 2) the cost of the item your points can buy.
Here’s the math: divide the value of the reward (what it would cost to purchase the item outright) by the number of points required to redeem it to calculate the point value.
Rewards rate example for credit card points: If you earn 1 point for every dollar you spend, and it takes 50,000 points to cover a $500 plane ticket, each point is worth one cent, which equals a 1% rewards rate.
Calculating the rewards rate on a points-based credit card gets tricky quickly depending on a card’s setup and your redemption options. Cards may award the same number of points on all purchases (e.g., one point for each $1 spent), or have a category-based points system (e.g., four points for each dollar spent at hotels, three points for airfare, two for gas, etc.). Check your rewards card agreement for details. Similarly, points can be worth different amounts based on what you redeem them for.
The goal is to redeem points for the highest-value reward, which may require putting in some elbow grease to manage your options. But if points math makes your head spin, a straight-up cashback credit card is a straightforward — and still highly rewarding — option to consider.
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check_box_outline_blankcheck_boxAmazon Business American Express Card
check_box_outline_blankcheck_boxAmazon Business Prime American Express Card
check_box_outline_blankcheck_boxAmerican Express Blue Business Cash
The results of the investor.com Credit Card Business Rewards Calculator are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g. ,1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.
To calculate the amount of cash back you could earn per year, we factored in:
Tiered rewards rates: Some business cards pay a flat cashback rate on all purchases. Others pay higher cashback rates on purchases that fall under specific spending categories. The investor.com algorithm incorporates each issuer’s unique reward’s program to determine the “Cash Back Per Year” tally.
Spend category inputs: Based on the rewards cards in our database, cell phones, dining, gas, office supplies, travel and "other" are the categories most often used by business credit cards that feature tiered rewards programs. We encourage you to customize the monthly spend inputs for the most accurate results.
Monthly spend: The default dollar amounts for each spend category in the Business Credit Card Calculator are based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Click the arrow on the “Spend Categories” to customize the monthly spend inputs and find the business card with the highest payout rate for your small-business spending.
Rewards spending caps: Some cards impose category- or time-based limits (monthly, quarterly, annually) that affect the amount of rewards you can earn. For example, a card may pay 3% cash back on office supplies on up to $1,000 of spending each quarter, then revert to the base/default rewards rate until the following quarter. We accounted for bonus spending caps and timeframe in the calculations.
Default rewards rates: Purchases that exceed a spending cap are usually subject to a lower default rewards rate (e.g., 1% or 1.5%). We mathed that out too.
Annual fees: If a rewards card charges an annual fee, we deducted that amount from the “Cash Back Per Year” total to provide a true accounting of a card’s annual rewards payout.
What’s not included in the “Cash Back Per Year” total is the cash value of any sign-up/introductory bonus. We highlight any Welcome Bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)
About the results
The investor.com Business Credit Card Calculator relies on your actual spending patterns to identify which rewards programs are most worth your while. The results are listed in descending order based on the annual dollar value of the rewards — “Cash Back Per Year” — each credit card program pays based on your calculator inputs.
To ensure the most accurate results, we factor in rewards program spending category bonus rates, rewards spending caps and default rewards rates, when applicable. If a card charges an annual fee, that amount is backed out of the total annual rewards figure. (See Methodology above for more details.)
All of the business rewards cards in our database are included in the results so you can compare the good, the bad and the meh. (Click “View More” to see the full list of credit cards. And please email us if there’s a card you want to see in the list.)
Here’s more on the calculator inputs:
“Monthly Spend” amount: This the only required input to generate a list of results. The default amounts we use in the calculator is based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Changing the dollar amount will update the “Cash Back Per Year” figures for all cards.
“Spend Categories” inputs: Expanding the “Spend Categories” menu lets you tailor the results even further by entering your monthly credit card spending amounts in six key business card categories (Cell Phones, Dining, Gas, Office Supplies, Travel, and “Other”). We strongly urge you to do so, since a lot of cards pay elevated rewards rates on purchases in certain categories which can affect how much cash back you’ll really earn.
“Filter Results”: This feature allows you to choose which credit cards to include in the results list.
Our research: Clicking “Apply Now” will take you to that credit card’s application page. But before that, you might want to take a gander at our homework. Click “Dayana’s Take” for a high-level overview of each card’s reward program and our likes and dislikes.
Drop us a line: We regularly add new cards to our database. Let us know if there’s a credit card rewards program you’d like to see included by emailing us.
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