Best Small Business Credit Card

As of November 2019


Right now they are offering new card members $500 cash after spending $5,000 in your first 3 months and $1,500 cash if you manage to spend $50,000 in the first 6 months


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what we like

  • Simple 2% cash back on all purchases with no maximum limit
  • Redeem the cash as statement credits or checks at any time
  • Strong customer service and fraud protection
  • Easy to use online platform

keep in mind

  • $95 annual fee ($0 for your first 12 months) means you must spend at least $4,750 on this card per year to breakeven
  • No additional bonus on other categories (We recommend pairing this card with the Chase Ink Business Cash Card to earn 5% back on all phone, internet and cable purchases)


Going along with the theme behind our choice for Best Retail Cash Back Credit Card, keep it as simple as possible when it comes to paying your expenses for your small business. With many of these other rewards based business credit cards, you practically need a full-time secretary to understand and manage the incentives. And many of them do not even beat the 2% value you get out of this card.


We recommend pairing this card with the Chase Ink Business Cash Card, which offers an eye popping 5% cash back on all office supply stores and internet, cable and phone services.  Use the Chase Ink card to pay for your AT&T, Comcast and Verizon bills and use the Spark Cash to pay for everything else.


The $95 annual fee on the Spark Cash card means you must spend at least $4,750/year to breakeven. Bottom line, if that seems reasonable to fit your annual projected budget, apply for this card without thinking twice. 

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