The 5 Best Business Credit Cards for Multiple Employees [2021]


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Do you have a business that’s growing? You probably remember the days when you were the only employee and you were working out of your garage or at your bedroom desk.

Fast forward to today — you might have a thriving business with consistent cash flow and be looking to grow your staff. If this describes you, you have probably been contemplating how to handle finances and expense management since you’re not the only employee anymore!

That’s what this guide is for! In this guide, we’ll hold your hand through the best business credit cards for multiple employees that you can have! Let’s deep-dive into it!

What To Look for in a Business Credit Card for Multiple Employees

When you’re looking for a business credit card, you ought to be looking for a card that can help you scale your rewards and expense management with your headcount.

Credit cards that offer tools to manage your expenses will become invaluable as your organization grows, so that’s why you should be methodical about picking a card.

You can also position yourself to take advantage of the lucrative rewards that business credit cards offer, ranging from bonus categories to the ability to earn and redeem flexible rewards points.

One of the things to look out for, however, is to make sure that any benefits that exist on a primary cardmember will be carried over to any employees. Most benefits, such as statement credits, do not duplicate when adding employee cards, but transactions on employee cards often count towards these benefits.

For example, you will rarely earn a brand-new $200 statement credit for employee cards if it’s offered to the primary cardholder. However, your transactions may count towards the $200 statement credit, which is an important distinction.

Let’s get into our favorite business cards for multiple employees!

Best Overall Business Cards for Multiple Employees

Regardless of what purpose your business credit card serves, you’d ideally like to focus on earning the best rewards possible, as fast as possible.

When it comes to the most valuable types of points, Chase and Amex have both stood the test of time for their proprietary Ultimate Rewards and Membership Rewards points, respectively.

So, without further ado, let’s walk through the best credit cards for business with multiple employees.

1. Ink Business Preferred® Credit Card

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Learn More
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • $2,000
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95

Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

The Ink Business Preferred card is our favorite pick here for a number of reasons. Simply put, it’s an incredible business credit card to help amass a ton of rewards with a mild annual fee ($95) and no fees for adding employee cards.

This card is a fantastic pick from top-to-bottom, starting with the humongous welcome bonus you can get. This welcome bonus alone could be worth up to $2,000 based on our valuations, and that benefit alone could be worth more than 20+ years of annual fees from this card!

But the best perk, arguably, is the ability to earn 3x Ultimate Rewards points per dollar spent on up to $150,000 in combined purchases on internet, cable, and phone servicesshipping expensestravel, and ads purchased with search engines or social media sites.

With such diverse earning categories and the ability to effectively get a 6% return on spend (2 cents per point value) across so many relevant business categories, it’s easy to see why the highlight is actually the points earning structure.

Whether you’re paying for phone bills, marketing, business travel, or logistics, you’re bound to rack up points quickly.

Let’s talk about the other benefits of this card. First, you’ll be able to access an industry-leading cell phone protection whereby you’ll get compensated if you break or damage your cell phone or if it’s stolen (note: lost phones aren’t covered). The coverage allows up to 3 claims every rolling 12 months with a $600 coverage limit per claim and a $100 deductible (up to $500 net payout per claim).

You’ll also enjoy the ability to earn 5x points per dollar on Lyft purchases through March 2022, travel insurance, purchase protection, extended warranty protection, and no foreign transaction fees.

Why We Like Earning Chase Ultimate Rewards Points

We love Chase Ultimate Rewards points because they are incredibly flexible and valuable.

Whether you want to redeem them for statement credits on your credit card bill, merchandise, travel via the Chase travel portal, or for fantastic award travel using any of Chase’s transfer partners, there’s an abundance of value to be had when earning Chase Ultimate Rewards points.

Indeed, Chase Ultimate Rewards points are some of the most valuable you can get your hands on!

Bottom Line: The Ink Business Preferred card offers awesome benefits that will help you amass points quickly. Between the huge welcome bonus, the 3x earning categories, access to Chase Ultimate Rewards, and the superior cell phone insurance coverage, it’s easy to see why we love this credit card.

2. American Express® Business Gold Card

One of our favorite mid-tier premium cards — the Amex Business Gold card — comes with a medley of perks.

This particular card earns 4x Membership Rewards points per $1 spent on the top 2 categories where your business spends the most every month (up to $150,000 in combined purchases per calendar year):

  • Airfare purchased from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

Your earning categories are automatically adjusted from month to month to maximize the number of points you earn, so it’s a headache-free way to earn up to 600,000 Membership Rewards points with this structure. After that, you’ll earn 1 point per dollar.

This card also offers the ability to add up to 99 employee cards for an annual fee of $50 for the first card and then $0 for up to 98 remaining employee cards.

In addition, the Amex Business Gold card can seamlessly import your expenses via integrations with QuickBooks. You’ll also enjoy travel perks like secondary car rental insurance and baggage insurance. Plus, purchase protection and extended warranty coverage are standard benefits you’ll also love.

Why We Like Earning Amex Membership Rewards Points

We love what Amex has done with its proprietary rewards program, Membership Rewards. Because of its abundance of transfer partners (both airlines and hotels), Amex has the most valuable points out there.

If you maxed out the $150,000 in bonus categories every year, your 600,000 points would be worth around $13,000+! With those points, you can:

But of course, if your goal is luxury award travel, you’ll want to stick to transfer partners!

3. Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is one of our top choices for a number of reasons. First of all, this card has no annual fee and almost always has an awesome welcome bonus.

Second of all, you can add an unlimited number of employee cards for no fee.

Third, the card will earn you an unlimited 1.5% cash-back on all your business purchases, regardless of which category they fall under.

You won’t need to worry about any bonus categories, bonus caps, or annual fees for yourself and your employees.

This card’s 1.5% cash-back is convertible to 1.5x Ultimate Rewards points if you have an Ultimate Rewards card like the Chase Sapphire Preferred® Card. That could double the value of your points, ultimately earning you a return on spend of approximately 3%!

There are some other superb benefits for Ink Business Unlimited cardholders, such as an introductory 0% APR perk that’ll help you defer paying interest on balances.

This card also offers primary rental car insurance, which is a travel benefit that some ultra-premium cards don’t even offer! Other benefits include zero liability fraud protection, purchase protection, and extended warranty protection.

Alternative Business Credit Cards for Multiple Employees

Now that we’ve gone over our biggest top picks that range across the spectrum of card offerings from $0 annual fee to $295 annual fee options, let’s talk about some of the alternative choices you should consider.

4. The Blue Business® Plus Credit Card from American Express

The Amex Blue Business Plus card is an underrated credit card that gets you some exceptional rewards on everyday business expenditures.

On up to $50,000 in purchases per year, you can earn 2x Membership Rewards points per $1 spent on purchases. After that, you’ll earn 1x.

We love this card for plenty of reasons, but at the top of the list is the ability to earn an excellent 2x points without fussing about merchant categories. Also, this is a no annual fee card, so you also won’t need to worry about annual fees for employee cards (see rates and fees)!

The card is one of the lowest-cost ways to access a transferable rewards program, thanks to Membership Rewards.

There are numerous other benefits like expanded buyer power, secondary car rental insurance, extended warranty coverage, purchase protection, and access to the famous Amex Offers ecosystem.

Last, but not least, you can also access an attractive 0% introductory APR benefit (as shown in the table above) when you open your card, which could result in thousands of dollars in saved interest fees.

The only drawback of this card is that the $50,000 yearly purchase limit that qualifies for 2x points is relatively low — you could max this out with $4,167 in monthly spending.

5. Ink Business Cash® Credit Card

The last credit card recommendation we’ll be touching on is the Ink Business Cash card, which is certainly an option worth talking about.

This credit card also comes with no annual fee for the primary and authorized employee cardholders.

You can earn up to 5% cash-back on these bonus categories:

  • Office supply stores
  • Cellular phone, landline, internet, and cable TV services

You’ll be capped at $25,000 in combined purchases every account anniversary year.

Also, you’ll earn 2% cash-back (up to $25,000 in combined purchases) on gas stations and restaurants.

Your 5% cash-back and 2% cash-back could be converted to 5x and 2x Ultimate Rewards points, respectively, if you had a card like the Chase Sapphire Preferred® Card.

You’ll gain access to travel insurance and purchase protection as an added benefit on these cards.

However, because of the relatively low bonus category caps, you might find yourself easily meeting the ceiling for bonus points! Still, it’s a card to consider if you find yourself transacting a lot in the categories above.

Final Thoughts

Having a growing business is a great problem to have. And as your business needs grow, so will your business spending requirements. That’s why we put together this guide of the best cards to have if you have multiple employees.

In general, the card recommendations above avoid annual fees for employees, but you should weigh the trade-offs before gravitating towards a card with no annual fee for employee cards.

If you can get a higher value than the annual fee from an employee card, then it might be worth it.

For instance, the Amex Business Gold card comes with a $50 annual fee for the first employee card and then no annual fee for up to 98 additional employee cards, but it enables your business to seamlessly earn lots of Amex points!

Nevertheless, we hope you enjoyed our favorite picks of business credit cards for businesses with multiple employees.

For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently asked questions

Who has the best business credit card?

The best business credit cards will be those that offer the best rewards and benefits. In this guide of the best business credit cards for multiple employees, we ranked the Ink Business Preferred card, the Amex Business Gold card, and the Ink Business Unlimited card at the top of the list, followed by the Amex Blue Business Plus card and the Ink Business Cash card.

All of these cards are incredibly rewarding and could help you scale your business as it grows.

Can I use 1 business credit card for multiple businesses?

In general, you cannot. If you have multiple businesses, the general rule of thumb is to have at least 1 business credit card for each business in order to easily separate your expenses.

Consult your tax and legal professional for more pointed advice.

Do business credit cards have higher limits?

In general, business credit cards tend to have higher credit limits. Though this is not universal, the banks realize that businesses have way more transactions than consumers do, on average.

This is one of the biggest reasons why business credit cards have higher credit limits than personal cards do.

How many Chase business cards can I have?

You aren’t limited by a number per se, but Chase will typically only extend a certain percentage (around 50%) of your total income to you in available credit across all Chase credit cards, business or personal.

For example, if you have an income of $100,000 and already have $50,000 in credit extended to you across your Chase credit cards, they may decline any new applications for credit.

What is the best credit card for a small business?

The best credit card for small businesses is one that helps you earn rewards, manage your expenses easily, and offers non-rewards benefits like purchase and fraud protection.

Some exceptional cards include The Business Platinum Card® from American Express, the Amex Business Gold card, and the Ink Business Preferred card.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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  1. Justin lee Arbuckle June 30, 2021

    Can I get a card with each employee’s name so I can track each employee?


    • Hi Justin,

      You can, but each employee card comes with a unique card number, so you could also just make note of which card number is assigned to a certain individual. That would save you from needed to get a completely new card if one of your employees leaves the company and is replaced by another.


Any thoughts or questions? Comment below!

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