The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your business goals faster. The best business card for your company? That depends on your spending habits and priorities. Consider those as you weigh features like cash back rewards, travel points and perks and long 0% intro APR periods.
All of our picks for the best business cards are chosen by our editorial team, which independently evaluates and rates dozens of business credit cards, scoring them on fees, rewards rates, bonus offers and other features. Here are our picks for best business credit cards, along with how to compare options and find the best credit card for your business.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Featured Partner
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- 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—that's enough to cover your annual fee and then some
- 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
Here are 18 business credit cards from our partners
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
American Express Blue Business Cash™ Card Apply now on American Express' website | 5.0/5 Best for Overall business credit card | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back: Flat-rate rewards, no annual fee | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back: Bonus categories | $0 | 1%-5% Cashback | $900 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | 4.4/5 Best for Cash back: Heavy spenders | $150 | 2%-5% Cashback | $1,000 | Apply now on Capital One's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website | 4.9/5 Best for Intro APR + AmEx points | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Overall travel rewards + big sign-up offer | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
New Business Card! Ink Business Premier℠ Credit Card Apply now on Chase's website | 4.9/5 Best for Cash back: Large purchases | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website | 4.7/5 Best for Travel rewards: Flat-rate rewards | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website |
The Business Platinum Card® from American Express Apply now on American Express' website | 5.0/5 Best for Luxury travel rewards | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.9/5 Best for Travel rewards: No annual fee | $0 | 1.5x-3x Points | 30,000 Points | Apply now on Bank of America's website |
Capital on Tap Card Apply now on Capital on Tap's website | 3.8/5 Best for Fair credit | $0 | 1.5% | $1,200 | Apply now on Capital on Tap's website |
Ramp Card Apply now on Ramp's website | 4.1/5 Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | $0 | Apply now on Ramp's website |
Capital One Spark Cash Select - $500 Cash Bonus Apply now on Capital One's website | 4.6/5 Best for Sign-up bonus (cash back) | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | 4.7/5 Best for 0% intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website | 4.1/5 Best for Hotel business card for free nights, flexible rewards | $125 | 2x-6x Points | 75,000 Points | Apply now on American Express' website Rates & Fees |
The Hilton Honors American Express Business Card Apply now on American Express' website | 5.0/5 Best for Hotel business credit card, sign-up bonus | $95 | 3x-12x Points | 130,000 Points | Apply now on American Express' website Rates & Fees |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline business credit card | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Brex Card Apply now on Brex's website | 3.2/5 Best for Generous rewards with no personal guarantee | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Our pick for
Overall business credit card
American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Pros
- You get an introductory0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR. For rewards, you earn 2% cash back on the first $50,000 in purchases each year, and 1% after that. Terms apply.
Cons
- The $50,000 cap on 2% cash back makes this card a poor fit for businesses with high expenses. Prefer Amex points to cash back? SeeThe Blue Business® Plus Credit Card from American Express.
- 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, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Our pick for
Cash back: Flat-rate rewards, no annual fee
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- BEST OFFER EVER: Earn $900 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.
- 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
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Our pick for
Cash back: Bonus categories
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Pros
- You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a$0annual fee.
Cons
- The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesses.
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 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
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Our pick for
Cash back: Heavy spenders
Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- 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—that's enough to cover your annual fee and then some
- 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
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Our pick for
Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Pros
- You'll get an introductory0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR. For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)
Cons
- The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See theAmerican Express Blue Business Cash™ Card.
- 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, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Our pick for
Overall travel rewards + big sign-up offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Pros
- If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.
Cons
- This card's bonus categories aren't a good fit for all business owners. There's an annual fee of$95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.
- 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.
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Our pick for
Cash back: Large purchases
New Business Card! Ink Business Premier℠ Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)New Business Card! Ink Business Premier℠ Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Our pick for
Travel rewards: Flat-rate rewards
Capital One Spark Miles for Business
Read Review
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Capital One Spark Miles for Business
Read Review
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Pros
- This card earns unlimited 2 miles per dollar on all purchases. Miles can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece. There's a great sign-up bonus, too.
Cons
- The card has an annual fee of$0 intro for the first year, then $95. After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.
- 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 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
- 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
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Our pick for
Luxury travel rewards
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Pros
- No, this card is not cheap, but it comes with an extensive portfolio of benefits that make it well worth the investment for entrepreneurs who are always on the road: 5X points on flights and prepaid hotels on amextravel.com, access to more than 1,400 airport lounges across 140 countries, an up to $200 annual credit for incidental airline fees, plus reimbursement for the application fee for TSA Precheck or Global Entry, and automatic elite status with Marriott and Hilton hotels. That’s not even mentioning the sizable bonus offer for new cardholders. Terms Apply.
Cons
- The$695annual fee is very steep. Keep in mind, though, that the fee is a deductible business expense.
- 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 value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $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 your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- 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.
- View Rates & Fees
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Our pick for
Travel rewards: No annual fee