The bottom line: A great option for small-business operators who prize simplicity in a travel rewards program, or whose spending doesn't fit neatly into the bonus categories of other travel cards.
Pros & Cons
- High rewards rate
- No minimum redemption amount
- High annual fee
- No Intro APR period
- High APR
Alternate Pick: 2% back up to a cap, no annual fee
American Express Blue Business Cash™ Card
0% intro APR period, too
The $0-annual-fee American Express Blue Business Cash™ Card offers 2% cash back on eligible purchases on up to $50,000 in spending per year (1% back after that). Terms apply. It also offers an intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. The annual fee is $0. Terms apply.
Compare to Other Cards
$0 intro for the first year, then $95
20.99% Variable APR
15.99% - 20.99% Variable APR
14.24% - 22.24% Variable APR
Recommended Credit Score
Recommended Credit Score
Recommended Credit Score
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For business owners who travel frequently, the is a simple but valuable choice.
You'll earn double miles on your purchases, and that rate increases for hotel and rental car bookings made via Capital One Travel. Those miles are easy to redeem, too. You can use them toward various kinds of travel purchases — flights, hotels, vacation packages and more — or you can opt to transfer your miles to more than a dozen travel partners.
The card also comes with useful perks, including a credit.
There is an annual fee, however. And if it's cash back you're interested in, you'll want to look elsewhere.
Card type: .
Annual fee: .
Ongoing rewards: Earn double miles on every purchase.
Miles are worth a penny apiece when you:
You can also transfer miles to one of more than a dozen airline and hotel programs, but not always at a 1:1 ratio. (More on that below.)
Foreign transaction fees: None.
Unlike some other travel rewards cards with a tiered points system, the card is much less complex. Its flat rewards rate — double miles on everything — makes it ideal for a business whose expenses are all over the map or don't easily fit into the typical bonus categories for business credit cards. And if you use the card for working capital, it can really supercharge your earning. Put $10,000 a month in inventory purchases on the card, for example, and you're looking at 240,000 miles at the end of the year — good for $2,400 worth of travel.
You can redeem miles for any airline, hotel or vacation package purchase at a rate of a penny per mile, and there are no blackout dates or restrictions on when or how you travel. But you can also transfer miles to one of more than a dozen travel partners. This can be especially useful for international travelers, although it's important to note that the transfer ratio is not always 1:1.
The introductory offer can potentially take a chunk out of your travel budget if you spend enough to earn it.
Many credit cards tack on a fee of 3% on every overseas purchase. If you frequently travel internationally with your business, or if you buy inventory while abroad, that could get expensive for both yourself and your employees. But like all Capital One cards, the doesn't charge this fee.
are split into two categories: cash back and travel. Among the two travel cards, Spark Miles offers higher rewards than Spark Miles Select, along with an annual fee after one year. Among the three cash-back cards, Spark Cash is the most premium, followed by Spark Cash Select.
At an effective rewards rate of 2% for most purchases, this card will pay for its annual fee with $4,750 a year in purchases. If you just can't stomach an annual fee, however, consider the no-fee "Select" version of this card — the It earns only 1.5 miles back on all purchases, but its annual fee is . Looking for the break-even point between the two cards? If you spend above $19,000 a year, the rewards you'd earn at a 2X rate would top a 1.5X rate, even taking into account the annual fee on the .
You could also consider the It earns 2% cash back on eligible purchases, but only up to $50,000 in spending per calendar year (1% back after that). The annual fee is . Terms apply (see ).
The comes with an annual fee, but it has a tiered rewards structure: You earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary, and 1 point per $1 on all other purchases. Those business categories include shipping; internet, cable and telephone services; and advertising purchases with social media sites and search engines. If your spending aligns with those categories, your points could add up quickly. Points are worth a penny each when redeemed for cash, and 25% more when redeemed for travel through .
If you’re looking to finance business purchases upfront, you’ll also want to turn to another card. The aforementioned could be a good pick. It offers an intro . Terms apply.
To learn more about business credit card options, see NerdWallet's list of the .
If you’re a small-business owner looking for a flexible and straightforward travel rewards card, the could be a great fit. But if you routinely spend more in specific categories, other cards can be more rewarding. And if you're more interested in cash back, this is not the right pick for you.
To view rates and fees of the , see .
on Capital One's website