Small businesses should consider getting a cashback reward card. These return from 1% to 5% of your spending as credit to your account. This can add up to a significant amount for most small businesses.

One of the best cash back programs comes from Advanta.

• Advanta’s Business Platinum Cards have low APRs - generally 7.99%, and they have generous rewards - 5% in the Gas, Office Supplies, Computers and Internet services. You should use this card to pay for your computer hosting and network service. You receive a check every month, and there is no limit on rewards earned.

Other choices for cash back business cards include:

• American Express SimplyCash Business Card - You will receive a Rebate of 5% for Purchases of wireless telephone services, automobile gasoline, and office supplies and equipment, in each case not purchased at a warehouse club, superstore or supermarket (“5% Purchase(s)”). You will receive a Rebate of 1% for Purchases in all other categories
• Chase Business Cash Rewards Card - Earn 1 point per $1 for new net purchases totaling $0 to $2,000 each billing cycle. New net purchases totaling over $2,000 and up to $2,500 will earn 5 points per $1, and new net purchases totaling over $2500 will earn 1.25 points per $1.