Many of the highest cash back cards come with a quarterly spending cap that limits the amount you can earn in the maximum reward categories. For example, the Chase Freedom Flex℠ card lets you earn bonus cash back in rotating categories, but limits that to a set amount in purchases each quarter. After that, you earn a tiered cash back rate on travel, dining, and drugstore purchases, then a flat 1% on all other purchases. The same is true for some other cards on this list. The Ink Business Cash Credit Card has a higher cutoff limit of $25,000 annually in combined office store purchases for its 5% cash back card. Contrast that with the Capital One Spark Cash for Business card that comes with 2% cash back on all purchases, with no limit. Spending anything more than $60,000 annually makes the Capital One Spark card the better choice. (Information for this card not reviewed by or provided by Capital One.) Depending on how much you spend and in what categories, a fixed-rate card with a lower cash back percentage but no limits may be the way to go. If you can’t find a card that maximizes rewards in categories you’ll regularly use or otherwise restricts your regular spending patterns, go with a flat-rate 2% cash back card.