Best business credit cards of November 2024

You don’t have to be a high spender to find value in this card. It’s well suited for those who travel frequently, will enjoy airport lounge access, will benefit from automatic elite status with Marriott and Hilton (enrollment required) and can maximize the card’s various statement credits. Plus, the card’s return on spending for travel purchases is very strong — as is the return in select business categories and purchases totaling more than $5,000. You’ll also enjoy a 35% points rebate on eligible flights booked with Amex Travel on up to 1 million points back per calendar year.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that's even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Enrollment is required for select benefits. Rewards — earning 5 points per dollar spent on flights and hotels booked with Amex Travel.” — Ryan Smith, former credit cards writer

If you have a business banking relationship with Capital One, consider the Capital One Venture X Business card. It comes with a lower annual fee (see rates and fees) and access to Priority Pass lounges and Capital One Lounges. Additionally, it earns at least 2 Capital One miles per dollar spent on all purchases.

Business owners who spend in the card’s bonus categories will love its up-to-8% return (based on TPG’s valuations). Bonus categories where you can earn up to 4 points per dollar each billing cycle (up to $150,000 spent annually, then 1 point per dollar) include transit purchases; U.S. purchases for online, TV and radio advertising; monthly wireless phone service charges made directly from U.S. service providers; U.S. purchases at gas stations; U.S. purchases at restaurants; and U.S. purchases from electronic goods retailers and cloud system providers. You’ll also enjoy perks like Amex Offers. 

“No other card provides the earning potential and adaptability this card has. Sure, its annual fee isn’t cheap, but I love the fact that I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories each billing cycle (up to $150,000 of these purchases yearly, then 1 point per dollar).” — Ryan Smith, former credit cards writer

If you’re looking for a lower annual fee or a card that earns bonus points on more purchase categories (not just your top two per month), consider the Ink Business Preferred® Credit Card. You’ll earn 3 Chase Ultimate Rewards points per dollar spent on travel, shipping, select advertising purchases and internet, cable and phone services (on up to $150,000 in annual combined purchases, then 1 point per dollar). Its annual fee is just $95.

Freelancers, those with a side hustle, newcomers to points and miles and those with varying expenses will love this card and the fact that it doesn’t require tracking any bonus categories to maximize earnings. Instead, its flat earning rate provides value on all purchases without an annual fee required to unlock its full potential.

“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, but you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year). That's a fantastic return of 4% back based on TPG's valuations, making this a great option for your small-business needs.” — Nick Ewen, director of content

If you want a card without an annual fee that doesn’t have the earning limits of the Blue Business Plus, look at the Ink Business Unlimited® Credit Card. You’ll earn 1.5% back on all purchases (and can convert these into transferable Chase Ultimate Rewards points if you have other eligible Chase credit cards like the Chase Sapphire Preferred® Card). Doing so would yield a 3% return on all spending based on TPG’s valuations.

Business owners whose spending habits fluctuate will love the fact that this card has no preset spending limits. It adapts to you, which can be great when you need to spend more around busy periods or to restock inventory. If you can pay your bill in full each month (which is required on this card), you’ll love this spending flexibility.

High-spending businesses can take home a ton of cash-back without worrying about complicated travel rewards.

If you’d prefer to earn transferable rewards points or get higher earnings in your most common spending categories, the American Express® Business Gold Card might fit well in your wallet. You’ll earn 4 points per dollar (an 8% return on spending based on TPG’s valuations) in your top two spending categories each billing cycle on up to $150,000 of these purchases annually, then 1 point per dollar.

Business owners who fly Delta regularly and would value Sky Club and Centurion lounge access. Also, those looking to reach elite Medallion status sooner with the help of a credit card that can provide perks like complimentary upgrades, priority airport services and additional baggage allowances. 

Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024, and Dec. 31, 2024, and each calendar year thereafter.

“The Delta SkyMiles Reserve Business Amex helped me attain airline status without actually having status. As a newbie Delta flyer, I wanted to have a credit card that would make my overall travel experience better. Access to the Delta Sky Club and Centurion lounges when flying Delta are massive perks. The ability to earn triple miles when making Delta purchases, an annual companion pass and a 15% discount when using my SkyMiles to book award travel make the high annual fee on this card worth it.” — Hannah Streck, senior SEO manager

Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024, and Dec. 31, 2024, and each calendar year thereafter.

If you want a Delta card with a lower annual fee (see rates and fees), the Delta SkyMiles® Platinum Business American Express Card offers Delta perks like an annual companion certificate and a faster path to elite status that could be a better fit for regular Delta travelers.

Small business owners who spend heavily on travel, shipping, advertising or internet, cable and phone services will benefit from earning 3 points per dollar spent on these purchases (on up to $150,000 of purchases per account year, then 1 point per dollar). Plus, they can take advantage of the card’s primary rental car insurance, excellent purchase protection, extended warranty and cellphone protection (when you pay your monthly bill with your card) — valuable benefits if something goes wrong.

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.”  — Katie Genter, senior writer

Consider the Capital One Spark Miles for Business, which has a $0 introductory annual fee the first year, then $95 (see rates and fees). It earns 5 miles per dollar spent on hotel and rental car reservations made with Capital One Travel and unlimited 2 miles per dollar spent on other purchases. You’ll also enjoy reimbursement for your Global Entry or TSA PreCheck application fee — a benefit worth up to $100 once every four years.

This is a good option for business owners who prioritize earning cash back rewards over points and miles and who don’t want to deal with the hassle of tracking bonus spend categories.

If you’re looking for a simple business card that earns unlimited cash back and offers some business perks, consider adding the Capital One Spark Cash card to your wallet.

If your small business would be better off with a no annual fee, consider the Ink Business Unlimited® Credit Card. It features a lower cash back reward rate but also comes with a decent welcome bonus.

Business owners who want to earn a transferable currency will love Capital One miles, which have grown in value and redemption options over the past few years. You’ll also enjoy a Global Entry or TSA PreCheck application fee credit (up to $120) and the flexibility to use your miles to cover travel expenses at a fixed value of 1 cent apiece. If you’re looking for a card that earns valuable miles without needing to track bonus categories, this is it.

You’ll earn transferable points on every purchase without worrying about bonus categories, all for a low annual fee.

The Ink Business Preferred® Credit Card has the same $95 annual fee but earns Chase Ultimate Rewards points instead of Capital One miles. You’ll earn 3 points per dollar spent on travel, shipping, select advertising purchases and internet, cable and phone services (on up to $150,000 in annual combined purchases, then 1 point per dollar); you’ll earn 1 point per dollar on other purchases.

There are two types of business owners who will benefit from this card. The first is the person looking for a card with a lucrative earning structure but no annual fee. The second is someone who needs a card for those “other” expenses that fall outside the bonus categories offered by other rewards cards in their wallet. This is an ideal card for everyday business expenses.

“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited Credit Card. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, while the Ink Unlimited covers everything else with a flat 1.5% earn rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt, senior credit cards editor

If you’re looking for a card that rewards you based on your banking relationship, the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card earns 1.5% back on all purchases. Those with banking and investment accounts at Bank of America can bump their earning rate up to 2.625% on all purchases thanks to Bank of America Preferred Rewards for Business.

This is an ideal card for business owners whose primary expenses are at office supply stores, telecommunications providers, gas stations or restaurants thanks to those bonus categories. You can earn handsomely in these categories without paying an annual fee to keep the card in your wallet.

“I love this card for awarding 5% back on my telecommunication services and office supply purchases, all with no annual fee. But my favorite perk is taking those cash-back rewards and combining them with my earnings from the Chase Sapphire Reserve. This means I’m effectively earning 5 fully-transferable Ultimate Rewards points for every dollar I spend in these categories — which I then can transfer to valuable partners like World of Hyatt and Air Canada Aeroplan.” — Nick Ewen, director of content

If your expenses are spread across many categories, you may prefer a card that earns a flat rate on all purchases. Consider The Blue Business® Plus Credit Card from American Express, which earns 2 American Express Membership Rewards points per dollar spent on all purchases (on up to $50,000 of purchases annually, then 1 point per dollar) and has no annual fee (see rates and fees).

Business owners who can both take advantage of those day-of-travel perks and maximize this card’s earning structure. It accrues 4 points per dollar spent on Southwest purchases; 3 points per dollar spent on Rapid Rewards hotel and car rental partner purchases; 2 points per dollar spent on social media and search engine advertising, internet, cable, phone services, local transit and commuting; and 1 point per dollar spent on other eligible purchases.

“It made sense for me to get this as my first Southwest card given that I live in Austin, where almost 40% of flights are operated by Southwest. I get the most value out of this card by taking advantage of the upgraded boardings, inflight Wi-Fi credits and 9,000 anniversary bonus points, which help offset the significant annual fee.” — Matt Moffitt, senior credit cards editor

If you only fly Southwest a handful of times per year or want a lower annual fee, you should consider the Southwest® Rapid Rewards® Premier Business Credit Card instead. You'll enjoy a 25% discount on inflight drinks and Wi-Fi purchases, have the chance to spend your way toward A-List status, get a shortcut toward the Companion Pass and receive two EarlyBird check-ins each year.

Those who want elite-like benefits with United — such as priority boarding and free checked bags — but aren’t willing to shell out for premium cards with lounge access will love this card. Its earning rates, perks and moderate annual fee ($0 introductory annual fee for the first year, then $99) are a powerful combination for those who fly United a few times a year.

“As a frequent United traveler, I actually have a couple of United credit cards that unlock different perks and benefits. While I initially got the United Business Card for the bonus and to keep business expenses separate, I keep it for the discount on inflight purchases, the 5,000 annual mile bonus for having both a business and personal United card and the $100 statement credit for charging at least seven annual United flights to the card.” — Summer Hull, director of content

If you’re looking for points you can use with United and in other ways, see if the Ink Business Preferred® Credit Card is a better fit for your wallet. For a $95 annual fee, this card earns Chase Ultimate Rewards points that you can transfer to more than a dozen airline and hotel partners, including United, though you do miss out on the airline-specific perks.

Business owners who can qualify for Preferred Rewards status should consider this card thanks to its accelerated earning rates that are based on your banking and investment accounts. Additionally, this card is a solid option for business owners looking for a quality cash-back rate on a card without an annual fee and without annual earning limits.

For no annual fee, earning up to 2.625% back on your business expenses is a solid return.

Consider the Ink Business Unlimited® Credit Card if you don’t have qualifying accounts with Bank of America or prefer to earn points in the Chase Ultimate Rewards ecosystem. The Ink Unlimited earns 1.5% back on all purchases, but you can redeem these as transferable Ultimate Rewards points if you have other eligible Chase credit cards, such as the Chase Sapphire Preferred® Card.

Businesses who frequently fly Alaska Airlines could benefit from the packed airline-specific perks on this card. Flyers will enjoy priority boarding, a free checked bag and earn 3 points per dollar spent on Alaska Airlines flights.

"I opened the Alaska Airlines Visa Business card when it was offering an elevated welcome bonus, but I keep it to earn 2 miles per dollar on gas and for the annual Companion Fare I get after spending $6,000 in a year. And because I have a Bank of America checking account, I get a 10% bonus on all the miles I earn using the card." — Nick Ewen, director of content

If your business frequently travels but is not an Alaska Airlines loyalist, consider the Ink Business Preferred® Credit Card. The Ink Business Preferred earns 3 points per dollar on the first $150,000 spent on travel and other business categories each year. The card is also currently offering 90,000-point sign-up bonus after you spend $8,000 on purchases in the first three months from account opening. The card does not offer many airline-specific perks but allows you greater flexibility when it comes to bonus earning and redemption options.

Two types of business owners should consider this card. First, it works well for those who can maximize the 3% categories — which include gas and EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services and business consulting services — and are looking for a card without an annual fee. Second, those who can qualify for Preferred Rewards tiers will love the accelerated earnings rates that far outpace earnings on other cards without annual fees.

Picking your top spending category each month allows you to maximize rewards, even when your purchases vary across the year.

Those who need different bonus categories or who won’t qualify for Preferred Rewards should consider the Ink Business Cash® Credit Card. It has no annual fee and earns 5% back on the first $25,000 of purchases at office supply stores and on internet, cable and phone services each cardmember year. You’ll also earn 2% back on the first $25,000 of combined purchases at gas stations and restaurants each cardmember year and 1% back on other purchases.

Anyone who has a small business and uses the Wyndham Rewards program should consider adding this card to their wallet, especially if their business expenses include gas purchases.

“I love earning automatic Wyndham Diamond status, which I can match each year to Caesars Diamond status, with my card. Plus, I value the 15,000 bonus points each anniversary year at more than $95, so I plan to keep the card long-term.” - Katie Genter, senior points and miles writer

If you stay with other major hotel loyalty programs more, you may want to consider the Marriott Bonvoy Business® American Express® Card, The Hilton Honors American Express Business Card or the IHG One Rewards Premier Business Credit Card.