Best Rewards Business Cards of August 2022
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The 10 best rewards business cards of August 2022
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Opening a rewards credit card for your business spending is a smart move, whether you want to earn cash back to put back into your small business, or rack up points and miles to redeem for travel down the road. You don't need to own a full-time business or have an LLC to qualify for a small-business credit card; even side gigs like delivering for Instacart, operating an Airbnb, or freelancing can make you eligible.
There are dozens of great small-business credit cards for every type of venture, and the best of these earn valuable rewards and come with compelling benefits that can make running your business easier.
Here are the best business rewards credit cards available right now.
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Ink Business Unlimited® Credit Card
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Ink Business Cash® Credit Card
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U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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Ink Business Preferred® Credit Card
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United℠ Business Card
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best flat-rate cash back with no annual fee: American Express Blue Business Cash™ Card
- Good choice for earning 2% cash back on all your eligible purchases up to $50,000 a year
- Intro APR offer
- No annual fee
- If your business spends more than $50,000 a year, you'll want to use a different card to earn bonus cash back once you meet that threshold
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 15.49% - 23.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Best uncapped cash back: Ink Business Unlimited® Credit Card
- Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
- Intro APR offer
- No annual fee
- You can earn more cash back on some purchases with a card that has bonus categories
- Earn $750 bonus cash back after you spend $7,500 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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
Best no-annual-fee card with up to 5% cash back: Ink Business Cash® Credit Card
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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
Best no-annual-fee cash back card with an intro 0% APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- Strong welcome bonus and bonus categories for a no-annual-fee card
- Introductory 0% APR on both purchases and balance transfers for 15 billing cycles, then 16.24% - 25.24% (Variable)
- World Elite Mastercard benefits including cell phone protection
- Foreign transaction fees
- Relatively high minimum spending requirement to unlock bonus
- Authorized user purchases don’t count toward minimum spending requirement
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay⟨™⟩ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Best cash-back card for big spenders: Capital One Spark Cash Plus
- Potential to earn up to $3,000 in cash back from the welcome bonus
- No preset spending limit
- Strong 2% cash back rate on all purchases and no limits to the rewards you can earn
- Annual $200 cash bonus has a very high spending requirement
- Relatively high annual fee
- Because it’s a charge card, you must pay off your balance in full each month
- The information related to the Capital One Spark Cash Plus has been collected by Business Insider and has not been reviewed by the issuer.
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere - with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Best for earning travel points with no annual fee: The Blue Business® Plus Credit Card from American Express
- The rare no-annual-fee card to earn Amex Membership Rewards points
- Solid earning rate on the first $50,000 in purchases each year
- For spending above $50,000 each year, you will only earn 1 point per dollar
- 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.
- Earn 2X Membership Rewards® 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.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 15.49% - 23.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Best overall travel rewards card: Ink Business Preferred® Credit Card
- High sign-up bonus
- Offers 3x bonus points on several spending categories, including travel and advertising purchases
- Includes comprehensive travel coverage
- Welcome bonus has a very high minimum spending requirement
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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 Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Best beginner travel rewards card: Capital One Spark Miles for Business
- No bonus categories to keep track of
- Annual fee is waived the first year
- You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
- Not many extra benefits
- The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
- 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
- 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
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Best travel rewards card with luxury perks: The Business Platinum Card® from American Express
- More travel benefits than you'll find on any other business credit card
- Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
- Complimentary hotel elite status (enrollment required)
- Access to Amex concierge services
- Very high annual fee
- Limited opportunities to earn bonus points
- Annual statement credits won't be useful for everyone
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 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 eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
- See Rates & Fees
Best for automatically maximizing rewards: American Express® Business Gold Card
- You can bonus points on the categories where you make the most purchases (from a list of options)
- 25% points rebate when you use rewards to book an eligible flight through Amex Travel
- High annual fee
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
- *Terms Apply
Airline and hotel business credit cards
- Solid travel benefits with United, including a free checked bag and priority boarding
- $100 annual United travel credit is relatively easy to earn
- Beyond the sign-up bonus, it will take a while to earn a lot of miles through everyday spending on this card
- 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.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting
- Earn 1 mile per $1 spent 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.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM 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.
- Comes with a free night reward every year after your card renewal month
- Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and restaurants worldwide
- Complimentary Marriott Bonvoy Gold elite status
- Not the best option for earning rewards on non-bonus category purchases
- $125 annual fee may not be worth it for less frequent Marriott guests
- Limited Time Offer: Earn 125,000 Marriott Bonvoy Bonus Points after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 8/31/22.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Compare the best business rewards credit cards
Amex Blue Business Cash
Why the Blue Business Cash card is worth it: With no annual fee and up to 2% cash back on all purchases, the American Express Blue Business Cash™ Card is an excellent choice for business owners who don't want to keep track of bonus categories but want a high rewards rate.
Welcome bonus offer: Earn $250 statement credit after you spend $3,000 in purchases on your card in your first 3 months
The American Express Blue Business Cash™ Card offers an excellent cash-back rate — 2% cash back on all purchases, on the first $50,000 spent each calendar year, then 1% back (cash back is received in the form of Reward Dollars). There's also a 0% intro APR on purchases for 12 months from account opening (then a 15.49% - 23.49% Variable APR) that can help you save some money on interest if you have large purchases on the horizon.
Cardholders get access to a suite of small-business tools and features, including access to the American Express business app, which can help you scan and organize receipts and export expense reports. Employee cards are free to add, and you can easily set up spending limits. You'll also receive a decent range of benefits, like purchase protection, extended warranty, car rental insurance, and access to discounts through Amex Offers**.
Review: Amex Blue Business Cash card review
Chase Ink Business Unlimited
Why the Ink Business Unlimited card is worth it: The Ink Business Unlimited® Credit Card is a great pick if you want a no-annual-fee card that earns unlimited 1.5% cash back on all purchases, with no spending caps or fussy bonus categories. Plus, it comes with an excellent welcome bonus offer.
Welcome bonus offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
The Ink Business Unlimited® Credit Card starts new cardholders off with one of the highest welcome bonuses of any no-annual-fee small-business card: $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Even though it's marketed as a cash-back card, you'll actually earn rewards in the form of Chase Ultimate Rewards® points, which are worth 1 cent each toward statement credits, gift cards, or travel booked through Chase.
Your rewards become more valuable if you also have an annual-fee Chase card, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. That's because you can combine your points into one of these accounts, then transfer them to Chase's airline and hotel partners to book award travel at potentially a much higher value.
New cardholders receive a 0% intro APR on purchases for the first 12 months (then a 14.74% - 20.74% Variable APR). In addition, you'll get access to excellent benefits, including primary car rental insurance when renting for business purposes, account management tools, and travel emergency assistance.
Review: Ink Business Unlimited card review
Chase Ink Cash
Why the Ink Business Cash card is worth it: If your business spends a lot in eligible categories, the Ink Business Cash® credit card could help you earn maximum cash back on your expenses. With a big welcome bonus offer and up to 5% cash back on spending, this is an excellent no-annual-fee option.
Welcome bonus offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Like the Ink Business Unlimited® Credit Card, the no-annual-fee Ink Business Cash® credit card earns rewards in the form of Chase Ultimate Rewards points and comes with a whopper of a welcome bonus offer: $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. However, instead of flat-rate cash back on all purchases, the card earns bonus rewards in certain categories:
- 5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
- 2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back (1 point per dollar) on all other purchases with no cap
This card won't make sense if your business doesn't spend much at office supply stores, gas stations, restaurants, or on cable, internet, and phone services. But if you do, the Ink Business Cash® credit card has the potential to be very rewarding.
There's also a 0% intro APR on purchases for 12 months from account opening (then a 14.74% - 20.74% Variable APR) which can help you save money if your business has large purchases to make that can't be paid off all at once. You'll also get access to business management tools and benefits like purchase protection, extended warranty, and car rental insurance.
Review: Chase Ink Business Cash card review
US Bank Business Triple Cash Rewards
Why the US Bank Triple Cash card is worth it: Want to earn rewards and get a generous intro APR on purchases and balance transfers? The U.S. Bank Business Triple Cash Rewards Card checks all the boxes, and it comes with a substantial welcome bonus, too.
Welcome bonus offer: Earn $500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account
The U.S. Bank Business Triple Cash Rewards Card is a rare combination of solid earning, a generous bonus, and a long intro APR on purchases and balance transfers — all with no annual fee. The welcome bonus offer of $500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account is an excellent deal, but just be aware authorized user purchases won't count toward the minimum spending requirement, which isn't the case on most other cards.
This card earns 5% cash back on prepaid hotels and car rentals booked through the US Bank Travel Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases. Again, if these bonus categories match your typical business expenses, you could do very well with the U.S. Bank Business Triple Cash Rewards Card.
Cardholders can also receive an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks, which is a nice deal for a no-annual-fee card.
Review: US Bank Triple Cash Rewards card review
Capital One Spark Cash Plus
Why the Capital One Spark Cash Plus card is worth it: If your business needs the flexibility of no preset spending limit and spends enough to justify paying an annual fee in exchange for 2% cash back with no limits, the Capital One Spark Cash Plus could be a great fit.
Welcome bonus offer: Earn $500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening
Paying a $150 annual fee for the Capital One Spark Cash Plus might not seem like a good deal, considering there's a no-annual-fee card (the American Express Blue Business Cash™ Card) that also earns up to 2% back. But keep in mind the 2% back on the American Express Blue Business Cash™ Card is capped at $50,000 in spending per year (then 1%); with the Capital One Spark Cash Plus, there's no limit to earning 2% back on everything.
The welcome bonus is particularly compelling for high-spending businesses: $500 after spending $5,000 in the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening. And, because it's a charge card, there's no preset spending limit, giving you some flexibility if you have a particularly large expense to charge. There's no APR because you need to pay your balance off in full each month (otherwise, a 2.99% monthly late fee applies).
Big spenders can also be rewarded with an annual spending bonus: Each year when you spend $200,000 or more on your card, you'll earn a $200 cash bonus. That's in addition to built-in perks like extended warranty, car rental insurance, roadside assistance, and travel emergency assistance services.
Review: Capital One Spark Cash Plus card review
Amex Blue Business Plus
Why the Blue Business Plus card is worth it: There aren't many no-annual-fee cards that earn flexible travel points, and The Blue Business® Plus Credit Card from American Express is a particularly good option with a strong welcome bonus offer and up to 2x points earning across the board.
Welcome bonus offer: 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
If earning valuable Amex Membership Rewards points is part of your travel strategy, The Blue Business® Plus Credit Card from American Express should be on your radar. It earns a generous 2x points on all purchases, on up to $50,000 in spending per year, then 1x. This makes the card ideal for businesses that don't spend much past that threshold.
Beyond the welcome bonus of The Blue Business® Plus Credit Card from American Express, cardholders can expect a few solid benefits from the card, like purchase protection, extended warranty, car rental insurance, and small-business management tools. This card is also part of the Amex Trifecta — a trio of cards that can help you earn 2x to 5x Amex points on every single purchase you make.
Review: Amex Blue Business Plus card review
Chase Ink Business Preferred
Why the Ink Business Preferred card is worth it: If you like earning flexible travel points and don't mind paying a modest annual fee, the Ink Business Preferred® Credit Card should be on your short list. Between a massive welcome bonus offer, great earning categories, and top-notch benefits, this card is hard to beat.
Welcome bonus offer: Earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening
The Ink Business Preferred® Credit Card is ideal for small-business owners who spend a lot in popular business categories, especially for those who like to maximize their rewards by redeeming them for travel. The card starts you off with a huge welcome bonus of 100,000 points after spending $15,000 on purchases in the first 3 months from account opening. That's potentially worth $1,800 in travel (based on Insider's valuations) when you transfer points to Chase's airline and hotel partners and book award travel.
Cardholders earn 3x points on up to $150,000 in combined spending each year (then 1x) on:
- Shipping purchases
- Advertising purchases on social media sites and search engines
- Internet, cable, and phone services
- Travel (including airfare, hotels, rental cars, and more)
All other purchases earn 1 point per dollar. If these categories are typical expenses for your business, you could take home a huge haul of rewards from this card each year.
One downside: The Ink Business Preferred® Credit Card doesn't offer an introductory 0% APR. That said, it comes with plenty of other benefits that can potentially save you money, including cell phone protection, trip cancellation/interruption insurance, primary car rental insurance (when renting for business purposes), extended warranty, and purchase protection.
Review: Ink Business Preferred card review
Capital One Spark Miles for Business
Why the Capital One Spark Miles card is worth it: The Capital One Spark Miles for Business earns unlimited 2x miles on all purchases and offers a welcome bonus worth at least $500 in travel. Its rewards are simple to use toward travel purchases, but you can unlock even more value by transfering miles to airline and hotel partners.
Welcome bonus offer: Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
If you're looking for a straightforward travel credit card with a rewards program that's as simple as they come, the Capital One Spark Miles for Business is an excellent option. Along with a strong welcome bonus offer, the card earns 2x miles on all purchases (except hotels and rental cars booked through Capital One, which earn 5x miles).
You can redeem Capital One miles at a rate of 1 cent each to "erase" travel purchases made with your card, which is great if you don't want to fuss with award charts or complicated loyalty programs. But if you want to squeeze the most value from your miles, transferring them to Capital One's airline and hotel partners is an option too, and you could potentially get a much higher return that way.
Cardholders get some sweet benefits with this card as well, including up to a $100 credit toward the Global Entry or TSA PreCheck application fee, two free Capital One Lounge visits each year, and small-business management tools.
Review: Capital One Spark Miles for Business card review
Amex Business Platinum
Why the Amex Business Platinum card is worth it: The Business Platinum Card® from American Express has a high annual fee, but it's more than worth it if you take advantage of the card's premium perks, including airport lounge access, up to $200 in annual airline incidental fee credits**, and up to $400 in Dell statement credits** each year.
Welcome bonus offer: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership
With a $695 annual fee, The Business Platinum Card® from American Express certainly isn't for everyone. However, it can put much more than that in value back into your pocket if you make the most of its wide array of upscale benefits and earning opportunities.
Cardholders earn:
- 5x points on flights and prepaid hotels booked through Amex Travel
- 1.5x points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year
- 1 point per dollar on everything else
Along with the aforementioned benefits, cardholders can take advantage of up to $120 in credits for U.S. wireless providers each calendar year**, up to $360 in Indeed credits each calendar year**, up to $150 in Adobe credits each calendar year**, and up to $189 back per year in credits for CLEAR® membership**.
Review: Amex Business Platinum card review
Amex Business Gold
Why the Amex Business Gold card is worth it: The American Express® Business Gold Card is only a good fit for certain types of businesses, but if you spend a lot in its bonus categories, it can supercharge your Amex Membership Rewards points earning.
Welcome bonus offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership
The American Express® Business Gold Card should be considered carefully, because outside of its bonus categories, it only earns 1 point per dollar, and it doesn't offer a ton of statement credits or other ways to offset its pricey $295 annual fee. But, if your business spending matches the card — especially since the card automatically rewards you on your top categories — the American Express® Business Gold Card is a real powerhouse.
You'll earn 4x American Express Membership Rewards points on the two categories (from a list) where your business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), and 1 point per dollar on all other purchases. Eligible 4x categories are:
- Airfare purchased directly from airlines
- US gas stations
- US restaurants (including takeout and delivery)
- US shipping providers
- US computer hardware, software, and cloud systems from select technology providers
- US purchases for advertising in select media (online, TV, radio)
Cardholders can also take advantage of excellent travel and purchase benefits, including a 25% points rebate on first- and business-class flights (or economy flights on your selected airline) booked through Amex Travel, baggage insurance, trip delay insurance, and extended warranty.
Review: Amex Business Gold card review
Airline and hotel business credit cards
Most major hotel chains and US airlines offer co-branded small-business credit cards. If you're a frequent traveler and you're loyal to any of these programs, you should definitely look at these options.
Airline co-branded credit cards earn frequent flyer miles on every purchase, and usually come with benefits like free checked bags and priority boarding.
Delta
- Delta SkyMiles® Gold Business American Express Card (read our Gold Delta SkyMiles Business card review)
- Delta SkyMiles® Platinum Business American Express Card (read our Platinum Delta SkyMiles Business card review)
- Delta SkyMiles® Reserve Business American Express Card (read our Delta SkyMiles Reserve Business card review)
United Airlines
- United℠ Business Card (read our United Business card review)
- United Club℠ Business Card
American Airlines
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard® (read our Citi American Airlines Business card review)
- AAdvantage® Aviator® World Elite Business Mastercard® (read our Barclays AAdvantage Aviator Business card review)
Southwest Airlines
- Southwest® Rapid Rewards® Premier Business Credit Card (read our Southwest Premier Business card review)
- Southwest® Rapid Rewards® Performance Business Credit Card (read our Southwest Performance Business card review)
Alaska Airlines
- Alaska Airlines Business Credit Card (read our Alaska Business card review)
Hotel business credit cards allow you to earn hotel points on your business spending, and many of these cards offer complimentary elite status and annual free reward nights.
Hilton
- The Hilton Honors American Express Business Card (read our Hilton Business card review)
Marriott
- Marriott Bonvoy Business® American Express® Card (read our Marriott Bonvoy Business card review)
Hyatt
- World of Hyatt Business Credit Card (read our Hyatt Business card review)
IHG
- IHG® Rewards Premier Business Credit Card (read our IHG Premier Business card review)
Wyndham
- Wyndham Rewards® Earner Business Card (read our Wyndham Earner Business card review)
Business rewards credit cards frequently asked questions (FAQ)
How can I qualify for a business credit card?
You don't need to have a multi-million-dollar corporation or even a full-time venture to qualify for a business credit card. Freelance or part-time businesses where you're the sole proprietor are eligible, too, like driving for Lyft, reselling merchandise online, or providing paid childcare.
Small-business owners who aren't sole proprietors (like those with LLCs or even larger businesses) are eligible for small-business cards as well, but you be asked to include your Employer Identification Number (EIN) on your credit card application as well as your Social Security Number.
What is the best business rewards card?
There's no single best business rewards card — the right card for you really depends on the type of rewards you like to earn, your typical spending patterns, and whether or not you want to pay an annual fee in exchange for more benefits.
If you're new to rewards business credit cards, you can't go wrong with a no-annual-fee cash-back card like the Chase Freedom Unlimited® or American Express Blue Business Cash™ Card if you're looking for the best combination of simplicity and value.
I already have a personal credit card. Why should I get a business credit card?
Keeping your business and personal expenses separate is important, particularly at tax time. Opening and using a small-business card for your business expenses can help keep you organized, and taking advantage of specific small-business tools these cards offer can make your life easier as well.
Top Offers From Our Partners
1.40% Annual Percentage Yield. No account minimums, no monthly fees. A tooltip
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For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of The Business Platinum® Card from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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