Credit Cards
Best business credit cards of November 2024
By
Nick Ewen
Nick Ewen
Senior editorial director
Nick Ewen is TPG's senior editorial director and helps readers leverage credit cards (he has 23 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
and
•Christina Ly
Christina Ly
Credit cards writer
Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in 2022.
Edited by
•Eric Rosen
Eric Rosen
Director of travel content
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
Reviewed by
Stanley Sanford
Stanley Sanford
Compliance manager
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
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.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- 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
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Best for businesses with high-spending
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
Terms & restrictions apply.
See rates & fees.| 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 |
Open Intro bonus
150,000 miles once you spend $30,000 in the first 3 months from account opening
150,000 miles
$395
N/A
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for The Business Platinum Card® from American Express
Apply now
for The Business Platinum Card® from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 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. |
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.
Earn 150,000 points
$695
18.74% - 27.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
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.
ELEVATED BONUS OFFER
Best for flexible rewards earning
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
Terms & restrictions apply.
See rates & fees.| 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. ** |
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.*
Earn 100,000 points
$375
18.74% - 27.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for The Blue Business® Plus Credit Card from American Express
Apply now
for The Blue Business® Plus Credit Card from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 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. |
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.
15,000 Membership Rewards® points
No annual fee
17.74% - 25.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
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.
Earn $4,000 or more in cash bonuses
Best for unlimited business cash back
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
Terms & restrictions apply.
See rates & fees.| 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 |
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
$2,000+ cash back
$150
N/A
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Delta SkyMiles® Reserve Business American Express Card
Apply now
for Delta SkyMiles® Reserve Business American Express Cardat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 3X | Earn 3 miles per dollar on eligible Delta purchases. |
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.
Earn 80,000 Bonus Miles
$650
20.24% - 29.24% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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
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
| 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 |
Open Intro bonus
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
$95
20.74% - 26.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
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
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
Terms & restrictions apply.
See rates & fees.| 5% | 5% cash back on hotels and rental cars booked through Capital One Travel |
| 2% | 2% cash back on every purchase |
Open Intro bonus
Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
$750 Cash Back
$0 intro for first year; $95 after that
25.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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
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
Terms & restrictions apply.
See rates & fees.| 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 |
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
50,000 miles
$0 intro for first year; $95 after that
25.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
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
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
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Open Intro bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
$0
17.99% - 23.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
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
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
| 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 |
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.
Earn up to $750 bonus cash back
$0
17.99% - 25.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Southwest® Rapid Rewards® Performance Business Credit Card
Apply now
for Southwest® Rapid Rewards® Performance Business Credit Cardat Chase's secure site
| 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. |
Open Intro bonus
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 80,000 points.
$199
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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
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
| 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. |
Open Intro bonus
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 75,000 bonus miles
$0 introductory annual fee for the first year, then $99.
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit cardat Bank of America's secure site
| 1.5% | Earn unlimited 1.5% cash back on purchases. |
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.
$300
$0
17.99% - 27.99% Variable APR on purchases and balance transfers
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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
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
| 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. |
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.
50,000 miles offer
$70 for the company and $25 per card
20.74% - 28.74% Variable APR on purchases and balance transfers
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent Credit
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
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now
for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardat Bank of America's secure site
| 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. |
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.
$300
$0
17.99% - 27.99% Variable APR on purchases and balance transfers
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent Credit
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
*
*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.
`Go to Review of $Wyndham Rewards Earner Business Card`
Go to Review
for Wyndham Rewards Earner Business CardInformation updated as of
07/29/2024
| 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! |
Open Intro bonus
Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days.
45,000 points
$95
21.24% - 29.99 (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good Credit
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 |
|---|---|---|---|---|