How to Find the Best Business Credit Cards for Your Spending

When it’s time to choose a business credit card, don’t overcomplicate things. Simply follow the money.

Look at what your business spends the most on, then find a card with great rewards in that category.

For some companies that will be office supplies. For others, it may be advertising, gas or travel. In some cases, it may be a combination of business credit cards or one card with a high rewards rate no matter what.

Here are the business cards that offer the best rewards for common business expenses.

Travel expenses: Chase Ink Business Preferred

The Ink Business Preferred® Credit Card earns 3X points on all travel (plus a handful of other categories) up to the first $150,000 in combined spending each year. And when it comes time to cash in those points, you’ll get more mileage than with other business travel cards.

Chase points are worth 1.25 cents each when you use them to book travel via Chase Travel℠. You can also combine points with other Chase cards (business and personal). That makes it easier to amass a large cache of rewards.

Looking for more options? Compare all our picks of the best business travel credit cards.

Advertising expenses: American Express® Business Gold Card

A smart strategy for the American Express® Business Gold Card: Use it exclusively for ad buys and max out your annual bonus spending cap ($150,000). Do this and you could earn $6,000 worth of AmEx Membership Rewards® points. Terms apply.

The AmEx Business Gold Card earns 4X points in your top two spending categories each month. Advertising — online, TV and radio — in U.S. media is among the eligible categories.

Do you market most in a specific channel? Check out the best business credit cards for Google, Facebook and other ad spend.

Office expenses: Chase Ink Cash

With the Ink Business Cash® Credit Card, you’ll earn 5% back on up to $25,000 in spending at office supply stores and cable, internet and phone service. Use the benefit to its fullest extent and you’ll get $1,250 in cash back annually.

This card also has a yearlong intro APR period and 2% cash back on up to $25,000 a year at gas stations and restaurants. (There are other cards with better rewards in those areas — more on that below.)

Fuel expenses: U.S. Bank Triple Cash Rewards Visa® Business Card

The U.S. Bank Triple Cash Rewards Visa® Business Card earns 3% back on eligible purchases at gas stations and on EV charging. Other expenses (office supplies, restaurants and cell phone providers) get that rate, too. And, unlike other business cards with bonus rewards, the Triple Cash Rewards doesn’t cap your earnings.

Beyond that, this card also has a long introductory APR period that applies to both purchases and balance transfers.

Learn more about the best gas cards for business.

Overseas inventory expenses: Capital One Spark Cash

The Capital One Spark Cash boasts one of the best cash-back rates on the market — 2% back on all spending. Plus, it has no foreign transaction fee (see rates and fees ). That’s a winning combination for business owners paying invoices to overseas vendors.

Find additional business cards with no foreign transaction fees.

General business expenses: Chase Ink Business Unlimited

The Ink Business Unlimited® Credit Card is a great catch-all card. It earns 1.5% back on all spending, has a long intro APR period and no annual fee. Cash back comes as Chase Ultimate Rewards points. You can redeem those for a statement credit or for travel via the card’s travel portal. If you have multiple Chase cards, business or personal, you can also combine rewards.

None of these cards right for your business? We rate more than 40 options each year. View our full list of the best business credit cards for 2025.