Shopping Guide

Get the Best Cash Back on Your Business Card this November

The holiday season is upon us and that means you'll need to be thinking about how to save money on your holiday shopping. One of the best ways to save is by using a cash-back credit card.

Cash back cards offer a percentage of cash back on purchases made with the card, which can be redeemed for gift cards, statement credits, or checks. You can use this money for anything — from paying bills or buying gifts — and it's easy to rack up rewards quickly, with some credit cards offering as much as 2% back on certain types of purchases.

Many people love cash-back cards because they can get something out of their spending habits without changing their spending habits at all. You just keep using your card like normal, but now you're getting rewards for doing so.

The problem with cash-back credit cards, however, is that they tend to come with higher interest rates than many other types of credit cards, often 19% or more, so if you don't pay off your balance every month, you'll end up paying quite a bit more in interest than you would have otherwise.

If you have good credit and are looking for a new credit card that will help you save during the holidays (or any time), here are our top picks:

Divvy Business Card

Divvy is a business card that gives you 2% back for every purchase you make. The thing about Divvy is that it’s a bit different from other cash-back cards. It’s not a credit card, but rather a prepaid debit card with no annual fee and no minimum deposit requirements. The good news is that you can use it anywhere MasterCard is accepted in the US.

The best part of the Divvy business card? You can use it on your purchases too! So if you already have a personal credit card, you can still earn cash back on your business expenses without having to open another account.

Capital One Spark Cash Plus

The Capital One Spark Cash Plus card is one of the best cash-back cards for business owners. It offers a generous rate on all purchases and no annual fee. The card also comes with a sign-up bonus: Earn $500 cash back after spending $4,500 in purchases within the first 3 months of account opening.

This card's rewards program is simple: You earn 1% cash back on all purchases. There are no rotating categories or other restrictions. You can earn an unlimited number of reward points and use them to redeem statement credits or get money back via a check.

The Capital One Spark Cash Plus is especially useful if you're looking for a card that can help pay down debt quickly without any limits on what you can spend or how much you can earn in rewards.

Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card is our favorite business card for cash back. It offers great rewards, a nice signup bonus, and no annual fee.

The Ink Business Unlimited Credit Card offers 1.5% cash back on all purchases, with no limit to how much you can earn. You can redeem your cash rewards for any amount at any time, and there are no categories or spending caps to worry about.

Plus, you'll get a signup bonus of $500 after you spend $3,000 in the first three months from account opening. That's more than enough to cover your first year of fees and still leave some spending money left over!

This card doesn't come with any additional perks like travel credits or airport lounge access, but it also doesn't charge an annual fee or foreign transaction fees — two common drawbacks with many business credit cards.


Many credit cards offer cash back, but not all of them are the right choice for your business. Read each card's terms to decide which will help you save the most when it comes to paying for expenses. Some cash-back cards require higher spending limits and/or have lower percentages, but could still be a better fit than many other mainstream cards.

Beth Norris

Beth Norris has years of experience working with top cosmetic and skincare brands for years  which reflects in her blogs which are packed with beauty and skincare tips. She has amassed a big following over the years, who wait for her content anxiously.