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The 6 Best Business Credit Cards for Multiple Employees [2024]

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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 Card for Multiple Employees

When you’re looking for a business credit card, you ought to look 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 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 card will be carried over to any employee cards. 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.

The 6 Best Business Cards for Multiple Employees — Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeTop Benefits for Multiple Employees
Ink Business Preferred® Credit Card
  • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 3x points on travel and select business categories (up to $150,000 in combined purchases per cardmember year)
  • No additional fees for employee cards
  • Cell phone protection, excellent travel insurance
American Express® Business Gold Card
  • CARD REFRESH: Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $375 (rates & fees)
  • 4x points on the top 2 categories where you spend the most every month (terms apply, up to $150,000 per calendar year)
  • First employee card for $50, then up to another 98 employee cards for no authorized fee (rates & fees)
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 1.5% cash-back on all purchases
  • No additional fees for employee cards
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
The Business Platinum Card® from American Express
  • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695
  • 5x points on airfare and prepaid hotels booked via AmexTravel.com 
  • Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment),  and more
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Ink Business Cash® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 2% cash-back at gas stations and restaurants (up to $25,000 in combined purchases per cardmember year)
  • No additional fees for employee cards
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
The Blue Business® Plus Credit Card from American Express
  • 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.
  • Annual fee of $0 (rates & fees)
  • 2x points (up to $50,000 per calendar year, then 1x)
  • No authorized user fees for employee cards (rates & fees)

The 4 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 businesses with multiple employees.

1. Ink Business Preferred® Credit Card (Staff Pick, No Additional Fees for Employee Cards)

NEW OFFER
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 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 Travel
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage

Cons

  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 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 Travel℠
  • 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
  • Round-the-clock monitoring for unusual credit card purchases
  • 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 Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

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 additional 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 every year on internet, cable, and phone services, shipping expenses, travel, 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 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 $1,000 coverage limit per claim and a $100 deductible (up to $900 net payout per claim).

You’ll also enjoy the ability to earn 5x points per dollar on Lyft purchases through March 31, 2025, 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 the Chase 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 (Big Points Earnings)

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees

American Express® Business Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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
70,000 points
$1,540
$375
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros

  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
  • Purchase protection and extended warranty protection
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • 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.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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

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

  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

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 no authorized user fees for up to 98 remaining employee cards (rates & fees).

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 the Amex 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 transfer to airline and hotel partners, book travel through AmexTravel.com, get gift cards, donate to charity, redeem for statement credits, or buy merchandise.

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

3. Ink Business Unlimited® Credit Card (Best No Annual Fee, Unlimited Number of Employee Cards for No Annual Fee, LOW Intro APR)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 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.
  • Round-the-clock monitoring for unusual credit card purchases
  • 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
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

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

Second, you can add unlimited employee cards for no additional 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 such as 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.

4. The Business Platinum Card® from American Express (Best for Luxury Travel, Can Add Employee Cards for No Authorized User Fee)

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
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.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • 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.
  • 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 each eligible purchase 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 incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

If you’re already familiar with the Amex Business Platinum card, you might be somewhat surprised to see it in this guide, considering how we’ve focused on the cards that have no authorized user fees for employee cards.

Before we get into the perks of this card, one little-known fact about the Amex Business Platinum card is that there’s a way to add up to 99 total employee cards onto your account without incurring any authorized user fees (rates & fees).

Normally, adding an employee card comes with a $350 annual fee per employee, but this annual fee only applies if you add an employee Amex Business Platinum card (rates & fees). You can actually choose to add any of these 3 cards for employees:

The benefit of adding an employee Amex Business Platinum card is that you’re entitled to the same lounge access, hotel benefits, and other major travel-related benefits as the primary Amex Business Platinum card.

If your goal is to allow employees to spend on this card without accruing lots of annual fees, you can add up to 99 total employee Amex Business Green cards for no authorized user fees! Each employee Amex Business Gold card would come with a $45 annual fee per year.

Sure, the employee Amex Business Green card doesn’t come with many travel benefits, but it’ll get the job done in terms of allowing employees to transact. All information about the Business Green Card from American Express has been collected independently by Upgraded Points.

Regardless of which employee card product you use, the rewards earned will match the structure of the Amex Business Platinum card:

  • 5x points on airfare and prepaid hotels booked through AmexTravel.com
  • 1.5x points on purchases in key business categories, as well as on large purchases of $5,000 or more everywhere else (up to $2 million per year)
  • 1x points on other purchases

This card is an absolute juggernaut in luxury travel benefits, thanks to its long list of offerings:

There are also a handful of business-specific benefits you can maximize:

Finally, this card includes purchase protection, extended warranty, cell phone protection, no preset spending limit, and no foreign transaction fees.

Bottom Line: If you’re looking for the best card for multiple employees that offers luxury travel perks, the Amex Business Platinum card is your best bet. Instead of adding employee cards as Amex Business Platinum cards that come with a $350 annual fee per card, you can add up to 99 total employee Amex Business Green cards for no authorized user fee!

The 2 Best 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, let’s talk about some of the alternative choices you should consider.

1. Ink Business Cash® Credit Card (No Annual Fee for Employee Cardholders)

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$750
$750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • Earn $750 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
  • Round-the-clock monitoring for unusual credit card purchases
  • 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
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

The last credit card recommendation we’ll touch 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 have a card such as 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.

2. The Blue Business® Plus Credit Card from American Express (No Authorized User Fee for Employee Cardholders)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • 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.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

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 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 authorized user fees for employee cards (rates & 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 Buying Power to help you make purchases beyond your credit limit, 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 (rates & fees) 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.

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 authorized user 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 authorized user 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 the car rental loss & damage insurance benefit of the Amex Business Gold card and The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. 

For the baggage insurance benefit of the Amex Business Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection and extended warranty benefit of the Amex Business Gold card, Amex Blue Business Plus card and The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, 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 are cards 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, Amex Business Gold card, Ink Business Unlimited card, and Amex Business Platinum card at the top of the list, followed by the Amex Blue Business Plus card and 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 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, the issuer 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 Amex Business Platinum card, Amex Business Gold card, Ink Business Preferred card, and Ink Business Unlimited card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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