Best business credit cards of November 2024
The best business credit cards offer generous earning rates, lucrative perks and additional features that positively affect both your bottom line and your operational efficiency. The right business card allows you to earn rewards while focusing on the day-to-day operations of your enterprise — whether you own a formal business with multiple employees, are just getting your company off the ground or simply do freelance work as a side gig, and it’s important to select the best business card for you.
Business credit cards allow you to separate business and personal spending. They also grant access to more rewards and specialized perks that aren’t typically offered on personal credit cards. Consider how your business is spending the most and what rewards you want to earn when choosing your business card — or cards.
To help you with this choice, check out our curated selection and comprehensive guide on some of the best business cards from our partners below.
- Capital One Venture X Business: Best for businesses with high-spending
- The Business Platinum Card® from American Express: Best for travel perks
- American Express® Business Gold Card: Best for flexible rewards earning
- The Blue Business® Plus Credit Card from American Express: Best for no annual fee
- Capital One Spark Cash Plus: Best for unlimited business cash back
- Delta SkyMiles® Reserve Business American Express Card: Best for Delta business travelers
- Ink Business Preferred® Credit Card: Best for bonus earning
- Capital One Spark Cash: Best for flat-rate business cash back rewards
- Capital One Spark Miles for Business: Best for everyday business spending
- Ink Business Unlimited® Credit Card: Best for freelancers
- Ink Business Cash® Credit Card: Best for office supplies
- Southwest® Rapid Rewards® Performance Business Credit Card: Best for frequent Southwest Airlines flyers
- United℠ Business Card: Best for United Airlines flyers
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for BofA Preferred Rewards for Business members
- Alaska Airlines Visa® Business card: Best for businesses that fly Alaska Air regularly
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for customizable business cash back
- Wyndham Rewards Earner Business Card: Best for business owners who are Wyndham loyalists
Browse by card categories
Best for businesses with high-spending
2X miles | 2 miles per dollar on every purchase |
5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Travel |
10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Travel |
The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Pros
- The Capital One Venture X Business card has a welcome offer of 150,000 miles.
- In addition, the card comes with many premium travel perks such as an annual $300 travel credit and airport lounge access, at a reasonable annual fee of $395.
- Business owners are also able to add employee cards for free.
Cons
- The card requires a high spend of $30,000 in the first three months to earn the 150,000-miles welcome bonus.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Travel.
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Best for travel perks
5X | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com |
1.5X | Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
1X | 1X points for each dollar you spend on eligible purchases. |
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review of the Business Platinum Card from American Express.
Pros
- Up to $120 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
- Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
- Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
Cons
- Steep $695 annual fee.
- High spend needed for welcome offer.
- Limited high bonus categories outside of travel.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Best for flexible rewards earning
4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
1X | 1X is earned for other purchases. ** |
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
Pros
- You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar).
Cons
- Hefty $375 annual fee.
- There may be better options for small businesses who don't spend a lot.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Best for no annual fee
2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express.
Pros
- No annual fee.
- Earn Membership Rewards points; transfer points to 22 travel partners.
Cons
- 2x points capped at $50,000 a calendar year (then 1x)
- No higher bonus categories for business-related spending.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Best for unlimited business cash back
5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel |
2% | Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions |
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
- The card features unlimited 2% cash back on every purchase
- This card offers a large welcome bonus
- Hotels and rental cars booked through Capital One Travel are eligible for 5% cash back
Cons
- The card has a $150 annual fee
- The required spend to waive the annual fee is very high
- The card’s balance must be paid in full every month
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
Best for Delta business travelers
3X | Earn 3 miles per dollar on eligible Delta purchases. |
If you’re a high-budget business owner and fly Delta often, the Delta SkyMiles Reserve Business American Express Card is an elite airline card with a sleuth of benefits. While the card does come with a high annual fee, the impressive benefits including exclusive Delta SkyClub and Amex Centurion lounge access, airport, free checked bags, priority boarding and a fast track to Delta’s elite Medallion flying status by spending a considerable amount on the card. Read our full review of the Delta SkyMiles Reserve Business Amex Card. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Pros
- A companion certificate that can be used for a US, Mexico, Caribbean or South American first-class, Delta Comfort+ or domestic main cabin round-trip flight
- Exclusive lounge access
Cons
- Steep $650 annual fee
- Limited reward earning rates outside of Delta purchases
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Best for bonus earning
3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Pros
- Access to the Chase Ultimate Rewards portal for points redemption.
- Reasonable $95 annual fee.
- Bonus categories that are most relevant to business owners; primary car insurance.
- Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;.
Cons
- Yearly cap on bonus categories.
- No travel perks.
- Subject to Chase's 5/24 rule on card applications.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Best for flat-rate business cash back rewards
5% | 5% cash back on hotels and rental cars booked through Capital One Travel |
2% | 2% cash back on every purchase |
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Pros
- Generous welcome offer
- No foreign transaction fees
- Unlimited 2% cash back
Cons
- Charges an annual fee after the first year of card membership
- For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- $0 annual fee for the first year; $95 after that
Best for everyday business spending
5 Miles | 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel |
2 Miles | 2 Miles per $1 on every purchase, everywhere |
The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners. Read our full review of the Capital One Spark Miles for Business.
Pros
- You’ll earn 2 miles per dollar on every purchase, which means you don’t have to juggle different bonus categories.
- Employee cards are free and also earn 2 miles per dollar on all spending.
- It’s an affordable card that only charges $95 in annual fees, and that fee is $0 the first year.
Cons
- The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
- The card comes with minimal perks if you’re wanting additional benefits for when you travel.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Best for freelancers
1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- Earn a generous welcome bonus.
- No Annual Fee.
- Primary insurance for car rentals.
Cons
- No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
- Higher spend to receive sign-up bonus.
- No travel protections.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for office supplies
5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year |
2% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises. Read our full review of the Chase Ink Business Cash card.
Pros
- Earn $350 after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
Cons
- 5% and 2% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for frequent Southwest Airlines flyers
4X | Earn 4X pts on Southwest® purchases. |
3X | Earn 3X points on Rapid Rewards® hotel and car rental partners. |
2X | Earn 2X points on rideshare. |
2X | Earn 2X points on social media and search engine advertising, internet, cable, and phone services. |
1X | 1X points on all other purchases. |
The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass. Read our full review of the Southwest Rapid Rewards Performance Business Credit Card.
Pros
- 9,000 points on each cardmember anniversary
- Global Entry/TSA PreCheck/Nexus credit (up to $120 starting Oct. 1, 2024)
- 4 upgraded boardings a year
Cons
- $199 annual fee means only those loyal to Southwest will truly benefit
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Best for United Airlines flyers
2x | 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. |
1x | 1x mile on all other purchases. |
The United Business Card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee. Read our full review of the United Business Card.
Pros
- Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more
- Get a $100 United travel credit after qualifying purchases each year
- If you have a personal United card, too, you can earn 5,000 bonus miles each year
- Open employee cards at no additional cost
Cons
- Redemption options are mostly limited to United and its partners
- Other United cards have higher earning rates on some purchases
- You might get more use from transferable points instead of United miles
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Best for BofA Preferred Rewards for Business members
1.5% | Earn unlimited 1.5% cash back on purchases. |
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards for Business program. Read our full review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card.
Pros
- No annual fee.
- Unlimited 1.5% earning rate on all eligible purchases, no matter the category.
- Bank of America Preferred Rewards for Business members could have access to even more earning potential.
Cons
- There’s a 3% foreign transaction fee, so you want to avoid using this card on your international travels.
- Redemption options are limited to cash back rewards.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Best for businesses that fly Alaska Air regularly
3 miles | Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases. |
2 miles | Earn 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. |
1 mile | Earn 1 mile for every $1 spent on all other purchases. |
For small business owners in the Pacific Northwest, this card definitely packs a punch. You can jump start your earning with a good sign-up bonus and the famous companion fare offer, and Alaska Airlines has some good airline transfer partners if you need to go another route. Read our full review of the Alaska Airlines Visa Business card.
Pros
- Get Alaska's Famous Companion Fare each year card is renewed (after meeting spend requirement)
- Free checked bag
- 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card
Cons
- Only earns 1-2 miles per dollar for all purchases outside of Alaska Airlines purchases
- Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
- Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
- Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!
- Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
- Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases and 1 mile for every $1 spent on all other purchases.
- Earn a 10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America® small business account.
- Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your Alaska Airlines Business card.
- Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Best for customizable business cash back
3% | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
2% | Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
1% | Earn 1% cash back on all other purchases. |
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year. Read our full review of the Bank of America Business Advantage Customized Cash card.
Pros
- Flexible earning structure (3% cash back in the category of your choice and 2% on dining; up to $50,000 in combined purchases per year (then 1%)
- No annual fee or expiration on rewards.
- $300 online cash rewards bonus after you make at least $3,000 in purchases in the first 90 days of account opening.
Cons
- Only one category can be chosen for the 3% rewards rate each month.
- 3% foreign transaction fee.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Best for business owners who are Wyndham loyalists
Wyndham Rewards Earner Business Card
8X | Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
5X | Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases. |
1X | Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation! |
Pros
- Automatic Wyndham Diamond status
- Go Free award nights cost 10% less
- 15,000 bonus points each anniversary year
- 8 points per dollar spent on purchases at Hotels by Wyndham and on gas purchases
Cons
- Earns Wyndham points, which you can only redeem through Wyndham Rewards
- Only offers bonus points on purchases in a few spending categories
The Wyndham Business Card is a great option for small businesses that want to earn Wyndham points on their purchases, spend a lot on gas purchases and value having Diamond status. The 15,000 bonus points each anniversary year will offer more value than the $95 annual fee for most cardholders.
Comparing the best business cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | businesses with high-spending | 150,000 miles Open Intro bonus 150,000 miles once you spend $30,000 in the first 3 months from account opening | 2 - 10X miles | $395 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | travel perks | Earn 150,000 points Open Intro bonus Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. | 1 - 5X points | $695 |
ELEVATED BONUS OFFER Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | flexible rewards earning | Earn 100,000 points Open Intro bonus Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | 1 - 4X points | $375 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | no annual fee | 15,000 Membership Rewards® points Open Intro bonus Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. | 2X points | No annual fee |
Earn $4,000 or more in cash bonuses Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | unlimited business cash back | $2,000+ cash back Open Intro bonus $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2 - 5% cash-back | $150 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | Delta business travelers | Earn 80,000 Bonus Miles Open Intro bonus Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. | 3X points | $650 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | bonus earning | Earn 90,000 bonus points Open Intro bonus Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | flat-rate business cash back rewards | $750 Cash Back Open Intro bonus Earn $750 cash back once you spend $7,500 in the first 3 months from account opening | 2 - 5% cash-back | $0 intro for first year; $95 after that |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | everyday business spending | 50,000 miles Open Intro bonus Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening | 2 - 5X miles | $0 intro for first year; $95 after that |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | freelancers | Earn $750 bonus cash back Open Intro bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | office supplies | Earn up to $750 bonus cash back Open Intro bonus Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. | 1 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | frequent Southwest Airlines flyers | Earn 80,000 points. Open Intro bonus Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. | 1 - 4X points | $199 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | United Airlines flyers | Earn 75,000 bonus miles Open Intro bonus Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. | 1 - 2X points | $0 introductory annual fee for the first year, then $99. |
Apply Now Apply for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit cardOpen Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | BofA Preferred Rewards for Business members | $300 Open Intro bonus Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1.5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | businesses that fly Alaska Air regularly | 50,000 miles offer Open Intro bonus Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account. | 1 - 3X miles | $70 for the company and $25 per card |
Apply Now Apply for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardOpen Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | customizable business cash back | $300 Open Intro bonus Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1 - 3% cash-back | $0 |
Wyndham Rewards Earner Business Card * *The information about the Wyndham Rewards Earner Business Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 07/29/2024 | business owners who are Wyndham loyalists | 45,000 points Open Intro bonus Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days. | 1 - 8X points | $95 |
More details on the best business credit cards
The Capital One Venture X Business credit card features a $395 annual fee (see rates and fees) that more than pays for itself when you account for the considerable rewards and perks that come with the card. We love that the Venture X Business card earns an unlimited 2 miles per dollar spent on every purchase when you book via Capital One Travel. We especially love the generous earning structure that gives you 5 miles per dollar spent on flights and the whopping 10 miles per dollar spent on hotels and rental cars (when booked through Capital One Travel).
Fans of Capital One who frequently book travel via the Capital One portal and want a card the offers no foreign transaction fees.
In addition to a solid earning structure, the Venture X Business card provides you with a $300 annual credit for bookings made through Capital One Travel in addition to 10,000 bonus miles every year on your account anniversary — starting with your first anniversary.
The Capital One Venture Rewards Credit Card is a great option for those who want to take advantage of a solid earning structure that provides them with easy to redeem miles. The Venture Rewards card earns an unlimited 2 miles per dollar spent on every purchase plus an unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel. You get similar benefits that come with the more premium Capital One Venture cards with a smaller annual fee of $95 (see rates and fees).
While its $695 annual fee (see rates and fees) may appear jarring at first, the Business Platinum Amex offers unmatched benefits, including lounge access, plus other value-added perks that can easily offset the card’s annual fee each year. Not to mention, it has an earning structure that can add up quickly for those who travel frequently. If you want to be rewarded for travel spending with American Express Travel and want extra comfort on your trips, this card provides both. New applicants can earn 150,000 bonus points after spending $20,000 on eligible purchases in the first three months of card membership.
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.
There are few perks more rewarding than earning a large number of points automatically — but that’s just the attraction of the Amex Business Gold. You’ll earn 4 Membership Rewards points per dollar in your top two spending categories each billing cycle (on up to $150,000 of these purchases annually, then 1 point per dollar). Categories include popular business expenses like U.S. restaurants, U.S. advertising in select media and U.S. computer software, to name a few. Plus, you can add up to 99 employee cards, paying just a $95 annual fee for the first five cards, and then a $95 annual fee for each card after (see rates and fees). The card currently has a welcome bonus of 100,000 bonus points after spending $15,000 on purchases in the first three months of card membership.
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.
The Blue Business Plus Card from American Express offers a solid earning rate of 2 Membership Rewards points per dollar spent on the first $50,000 in purchases each calendar year, then 1 point per dollar. If your small business spends less than $50,000 each year in purchases, the Blue Business Plus can be a good no-annual-fee option (see rates and fees) that provides an effective 4% return on spending, based on TPG’s valuations of Amex points. For those with spending that falls outside other cards’ bonus categories, this is an excellent option.
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.
We love earning 2% cash back on all purchases with the Spark Cash Plus, meaning there are no bonus categories to track or complex transfer partners to understand when it’s time to redeem your rewards. Plus, the card has two user-friendly elements: Rewards don’t expire as long as your account is open, and you can redeem your cash back in any increment, starting from just a cent. The annual fee is a reasonable $150 (see rates and fees).
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.
The most premium Delta credit card offered to business owners, this card helps earn elite Medallion status in the SkyMiles program and offers Sky Club and Centurion airport lounge access. For regular Delta travelers, the additional perks of a free checked bag, Zone 1 priority boarding and 20% savings on inflight purchases are all valuable benefits offered by a single credit card.
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.
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.
With just a $95 annual fee, you’ll unlock several valuable perks on the Ink Business Preferred. These include a strong earning structure, valuable insurance benefits and access to Chase’s full range of airline and hotel transfer partners, such as World of Hyatt and United Airlines MileagePlus. Using these partners is the key to getting huge value from your Chase Ultimate Rewards points. Additionally, you can earn a welcome bonus of 90,000 bonus points after spending $8,000 on purchases within three months from account opening.
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 card offers uncapped cash back earning potential, which business owners can then pour back into their enterprises.
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.
The Capital One Spark Miles for Business card has an intro offer of 50,000 miles after spending $4,500 in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $925. You can transfer Capital One miles to 15+ airline and hotel transfer partners, including Air Canada Aeroplan and Wyndham Rewards, and you’ll earn at least 2 miles per dollar spent on all purchases. Plus, the card has an introductory annual fee of $0 the first year, then $95 (see rates and fees).
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.
If you’re looking for ease of earning on all your purchases — or a card that earns well on purchases that don’t fall into bonus categories with other credit cards — the Ink Unlimited card is a clear winner. Freelancers and independent contractors love the ability to earn 1.5% back on all purchases, pay no annual fee and even combine the points they earn with Chase Ultimate Rewards from other eligible Chase credit cards like the Chase Sapphire Preferred® Card. Plus, there are no earning limits on this card.
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.
No card can match the Ink Business Cash for earning on office supplies. You’ll love accruing 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, plus 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year. New applicants can earn up to $750 back: $350 when you spend $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases within six months of account opening. However, you can turn your cash back into Chase Ultimate Rewards points if you have other eligible Chase credit cards, such as the Chase Sapphire Preferred® Card.
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).
The Southwest Performance Business credit card is ideal for Southwest fans, as it’s packed with perks that will make business trips on the airline more comfortable than ever, especially for those who don’t yet have A-List or A-List Preferred status. You’ll earn extra points in popular business categories, enjoy four priority boarding positions each year, receive up to 365 inflight Wi-Fi credits annually and have the ability to accelerate your path to the Southwest Airlines Companion Pass.
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.
The United Business Card is an affordable option for business travelers who tend to fly with United and its partners. This is a great card to pair with your personal United credit card, too, because it will not only help you keep personal and business expenses separate, but you’ll also receive 5,000 bonus miles each year on your United Business Card account anniversary for carrying both cards. Plus, you can spend your way toward United elite status and gain access to expanded award availability when it comes time to redeem those MileagePlus miles.
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.
This card has few travel perks but no annual fee, so it can be worthwhile for business owners looking to earn cash back easily. The Bank of America Business Advantage Unlimited Cash offers a terrific 1.5% earning rate on all purchases, but Bank of America Preferred Rewards for Business customers can earn even higher rates — from 1.875% to 2.625%, depending on their tier within the program.
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.
The Alaska Airlines Visa Business card offers great airline-specific perks like priority boarding, a $100 annual Alaska Lounge+ credit, elevated earnings on Alaska Airlines flight purchases and more. In addition, the card is currently offering 50,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) when new cardholders make purchases totaling $3,000 or more within the first 90 days of opening their account.
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.
With the Bank of America Business Advantage Customized Cash, you can maximize your ever-changing business purchases with up to 3% cash back. You can choose your top spending category monthly for 3% earnings, plus receive 2% on dining purchases (for the first $50,000 spent in combined category and dining purchases per year, then 1% back). If you have qualifying accounts for the Bank of America Preferred Rewards for Business program, you could boost your earning rate to 5.25% back in your chosen category — impressive earnings for a card with no annual fee.
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.
Getting a 10% discount on go free awards is valuable, and even applies when redeeming points for Vacasa stays.
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.
How we rate cards
21% of TPG users have at least 1 business credit card in their wallet
Our recent survey revealed that 21% of TPG users carry at least one business credit card in their wallet. Business credit cards typically offer excellent welcome bonuses and other great perks, which isn’t surprising considering their popularity.
Additionally, business credit cards often come with valuable business-specific perks and the ability to earn rewards on common business expenses like advertising, office supplies, and phone bills. Add a business credit card to your wallet to optimize your small business spending.
What TPG readers have to say about their favorite business credit cards
We surveyed our readers to see which business credit cards they favored the most. With several great options to choose from, these cards are the standouts TPG readers love.
Note: Reader-submitted responses have not been edited, reviewed or approved by the issuers nor reflect TPG’s opinions of these cards.
American Express® Business Gold Card
“We use our Business Gold card for as many purchases as possible.” — MaryAnn D via Facebook
The Blue Business® Plus Credit Card from American Express
“Easy 2x on everything.*” — Tarik M via X
*2 points per dollar up to $50,000 annually, then 1 point per dollar thereafter.
Capital One Spark Miles for Business
“Unlimited 2x back on everything, no gimmicks.” — Jeremy C via Facebook
How to choose the best business credit card
- Find a card that your business can readily meet the minimum spend for its sign-up bonus. A welcome bonus plays a large part in a card’s value as it typically offers more points than can be earned through general business spending.1Sign-up bonus
- If your card features an annual fee, it is important to consider if the card’s perks and benefits outweigh the card’s annual fee.2Annual fee
- Choose a business card that features elevated earning rates on your regular business spending.3Bonus categories
Credit pointers with Brian Kelly
Pros + cons of business credit cards
Pros
- Using business credit cards responsibly can help you build your business credit score, which differs from your personal credit score
- Business credit cards can earn cash back, points or miles on every dollar you spend in categories not always covered by personal credit cards
- Business credit cards provide business-friendly perks like travel insurance, complimentary hotel stays and bonus points on expenses like shipping or software
- Opening a business credit card can separate personal and business expenses
- Some business credit cards offer higher welcome bonuses than personal credit cards
Cons
- Carrying a balance and using your card irresponsibly can damage your business credit score
- The cost of borrowing on business credit cards is higher than traditional loans
- You’re still personally responsible for business credit card debt
- Having too many card applications can negatively affect your credit score
- Some business credit cards have high spending requirements for lucrative welcome bonuses
How to apply for a business credit card
If you own a small business or just do freelance gigs, you could be eligible for a business credit card. You don’t necessarily need a tax ID or an Employer Identification Number (EIN) to qualify for a business credit card; if you’re a sole proprietor with a small business or side gig, you can usually enter your Social Security number (SSN) instead.
Frequently asked questions
Business and personal credit cards have similar functionalities. Many card issuers allow for personal referrals for business cards. In both cases, you’re extended a line of credit to make purchases, and you agree to pay for those purchases over time based on the cardholder agreement.
However, business credit cards are geared toward small businesses, and depending on the issuer (or specific card product), you may need to produce formal documentation in order to be approved. In addition, business cards typically include bonus categories or benefits that may hold less appeal to the general consumer. This can include bonus rewards on shipping purchases, statement credits for business-related service providers or embedded technology to help with accounting.
Additionally, many personal credit cards pair well with business credit cards. Complementary personal/business card combinations can help you diversify your points earning and bonus categories and can play a part in a responsible spending strategy.
There’s no single card that would be considered the “best” for every, single small business. Instead, it’s important to consider the type of rewards and selection of benefits that make the most sense for your company. If your company travels internationally often, you would want a business credit card with no foreign transaction fee. If you’re not interested in travel rewards, then a cash-back business card could make the most sense. If your small business spends a bunch of money on client dinners, then a business card with a dining bonus could be the best fit.
While it’s not technically “illegal” to use a business card for personal use, it’s generally against the terms and conditions of most business credit cards. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.
Sometimes. It all depends on the given issuer, since some will consistently report business card account information to both consumer and commercial credit bureaus, while others won’t. Instead of worrying about this question, though, focus your energy on paying your balance in full and on time each month. This will ensure that any business cards reported to a credit bureau will only impact your score in a positive way.
Plus, your business credit card could provide multiple benefits to your personal score. This could be done by managing your business credit card account responsibly, which demonstrates you’re a reliable borrower, or lowering your personal credit utilization, for instance.
You certainly can, though each issuer reserves the right to review your application and determine whether you qualify for a business line of credit. In many instances, you can use your Social Security number as a sole proprietor and get approved for a card. Even if you have no business credit history, an issuer will look at your personal credit score and history to determine your eligibility.
It is possible to refer someone to a business card even if you only have personal cards. Every issuer has their own policy regarding rewarding referrals so you will have to check with your specific card issuer to see if you are eligible for a referral bonus. Check out our in-depth guide on earning referral bonuses on both personal and business credit cards.
The best small business credit card will depend on your small business. See what perks and benefits your business is looking for and if the card you're looking at is the best fit for your business spending. You can use our guide above to help you see which card is the best for your business.
There is no limit to the amount of business cards you can have. It is important to know your business and what cards align most with your spending.
While it’s easy and free to check your personal credit score, the process with a business credit report requires jumping through a few more hoops. You can check your business credit score through free services that send alerts when your score or report changes. However, you often have to pay additional fees to view unlimited full reports.
Tracking your business credit score may be a bit harder, but it’s not any less important than your personal credit report
The wording of these two may be similar, but the features of a business credit card and a business line of credit are very different.
A business credit card is like a personal credit card because it allows borrowers to spend with a predetermined credit limit at an annual percentage rate (APR). Most business cards are unsecured, and borrowers can be approved for one without proof of assets or collateral.
A business line of credit is a revolving business loan with a preset credit limit. To be approved for a business LOC, your business’s financial picture and creditworthiness are considered. Sometimes, approval is based on collateral. LOCs are meant to cover day-to-day operative expenses that may exceed a credit limit on a credit card, such as payroll.