While it's common to get into credit card rewards for the sole purpose of earning free travel, many rewards enthusiasts crave more flexibility.
With cash back cards, individuals and business owners can earn a percentage of cash back for each dollar they spend. They can use it on travel if they want but aren't tied down to doing so.
Options are plentiful for those who want cash back instead of travel rewards as well. That's especially true when it comes to business credit cards that dole out cash rewards.
If you're in the market for a business card and want cash above all else, here are a few cards to consider:
Ink Business Cash Credit Card
The Ink Business Cash credit card is a smart option for businesses who prefer cash back to travel rewards. You get a $300 cash bonus when you spend $3,000 in purchases within three months of account opening. You also receive 5 percent cash back on your first $25,000 spent in combined purchases at office supply stores, cell phone, internet, landline and cable, and one percent back on all other purchases.
This card doesn't charge an annual fee, and you can get employee cards at no additional cost.
Pros: No annual fee, easy cash back up to 5 percent
Cons: Earnings are capped at 1 percent outside of bonus categories
Best For: Business owners who want to earn cash back without an annual fee
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is another lucrative option for business owners who want the flexibility of cash back. This card offers 50,000 bonus points worth $500 in cash back after you spend $4,500 within three months. You also get 2x points on every purchase you make, with no caps and no bonus categories to keep track of. It does have a $59 annual fee, but it's waived the first year.
Pros: Earn a steady 2 percent back on everything
Cons: No bonus categories to maximize
Best For: Businesses who want at least 2 percent back on everything
[READMORE]READ MORE: The 3 Best Rewards Cards with No Signup Bonus[/READMORE]
Ink Business Preferred Credit Card
The Ink Business Preferred Credit Card may be a travel credit card, but that doesn't mean it doesn't work well for cash back, too.
This card offers 80,000 points worth $1,000 in travel or $800 in cash back after you spend $5,000 within the first three months. You also get 3 percent back on travel, shipping, internet and advertising in select media, plus 1 percent back on all other purchases. This card does charge a $95 annual fee, and it's not waived the first year.
Pros: Huge signup bonus is worth $800 in cash
Cons: Annual fee isn't waived
Best For: Businesses who spend a lot on travel, shipping, internet and advertising in select media
Simply Cash Business Credit Card from American Express
The Simply Cash Business Credit Card from American Express makes it easy to earn $400 in bonus cash your first year. You'll start by earning $200 cash back after you make $5,000 in qualifying purchases within the first six months of card ownership.
From there, you'll earn another $200 in cash back after you spend an additional $10,000 on your card within the first year. As a bonus, you'll get 5 percent back on wireless telephone services and at U.S. office supply stores, 3 percent back in another category of your choosing, and 1 percent back on everything else. There is no annual fee.
Pros: Earn up to 5 percent back in certain categories
Cons: No annual fee
Best For: Businesses who spend a lot in bonus categories and don't want an annual fee
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