What are the best business credit cards for veterinarians?

The best business credit cards for veterinarians are the Amex Business Gold card, Ink Business Cash card, and Amex Business Platinum card. We’re also fans of the Ink Business Unlimited card, Amex Blue Business Plus card, Capital One Spark Miles card, and Ink Business Preferred card to help you maximize your business spending.

What is the best credit card to get for beginners?

According to our beginner’s guide to points and miles, the best credit card for beginners is the Chase Sapphire Preferred card. For business owners, you can’t go wrong by having the Ink Business Preferred card or the Ink Business Cash card. Once you’ve got the hang of the points-and-miles game, you can move to American Express and sign up for cards like the American Express® Gold Card, The Platinum Card® from American Express, Amex Business Gold card, or Amex Business Platinum card.

What credit cards for veterinarians offer travel benefits?

Our favorite travel rewards credit cards for veterinarians and veterinary clinics are the Amex Business Gold, Ink Business Cash card, and Amex Business Platinum card.

What types of credit card bonus categories would meet the needs of a veterinarian?

A veterinary center will likely have to pay for office supplies, practice management software, advertising, and likely large purchases over $5,000. Our guide recommends specific business credit cards that offer bonus points for these types of transactions.

The 7 Best Business Credit Cards for Veterinarians [2025]

Updated: July 1, 2025, 12:10pm CDT

Edited by:

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Table of Contents

The Best Business Credit Cards for Veterinarians — Overview
What To Look for in a Business Credit Card for Veterinarians
Best Overall Business Cards
Alternative Business Cards
Final Thoughts

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If you’re running a veterinary practice, clinic, or hospital, the last thing you probably want to do is get bogged down in managing your expenses.

At the same time, you want to do everything you can to maximize the value you get from spending you’d be doing anyway.

As a veterinarian and a business owner, you’re in charge of managing your profit and loss (P&L), including your revenue, payroll, office expenses, rent, and much more.

Consider putting all of your business expenses on a business credit card so that you can optimize your rewards and treat yourself (and your family) to vacations and luxury travel.

We’ll show you how to do just that in this guide.

The Best Business Credit Cards for Veterinarians — Overview

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Card	Welcome Offer and Annual Fee	Benefits
American Express^® Business Gold Card	Earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months. Annual fee of $375 (rates & fees)	4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card 1x points on all other purchases Access to Amex’s The Hotel Collection
Ink Business Cash^® Credit Card	Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months. Annual fee of $0	5% cash-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 2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants 1% cash-back on all other purchases 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter Travel insurance and purchase protection Employee cards at no additional cost
The Business Platinum Card^® from American Express	Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months. Annual fee of $695 (rates & fees)	5x points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages purchased at AmexTravel.com 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (up to $2 million yearly) 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 Access to Amex’s Fine Hotels & Resorts program
Ink Business Unlimited^® Credit Card	Earn $750 cash back after spending $6,000 on purchases in the first 3 months Annual fee of $0	1.5% cash-back on all purchases 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter Employee cards at no additional cost
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 on all purchases up to $50,000 per year 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%. (rates & fees)
Capital One Spark Cash Plus CardInformation collected independently. Not reviewed by Capital One.	$2,000 cash-back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. Annual fee of $150	2% cash-back on all purchases Annual $200 bonus when spending $200,000
Ink Business Preferred^® Credit Card	Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months. Annual fee of $95	3x points 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 No foreign transaction fees Travel insurance and purchase protection Employee cards at no additional cost

What To Look for in a Business Credit Card for Veterinarians

Veterinary offices, clinics, and hospitals are specialized versions of healthcare practices — and much like a doctor’s or dental office, a veterinary center will undoubtedly have rent to pay for, as well as office supplies, specialized medical equipment, practice management software, payroll, and even advertising to grow their practice.

Because these expenses can run in the hundreds of thousands of dollars per year, we’ve focused all of our recommendations on the cards that offer the most rewards for common veterinary expenses.

Sure, there aren’t any credit cards that offer bonus points on medical equipment, per se, but there are a number of cards that offer bonus points on business purchases such as office supplies and even miscellaneous expenses like rent and payroll.

Now that we’ve identified what to look for in a business card for veterinarians, we’ll show you our best business credit card recommendations.

Best Overall Business Cards

The best overall business cards for veterinarians will be the ones that offer the best rewards, most valuable points, and highest earning structures — let’s take a look at our top picks.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

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

Apply Now(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).

Welcome OfferEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
100,000 points

UP's Offer Valuation*:
Up to   $2,200

Annual Fee

$375

APR

18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Good to Excellent

Why We Like This Card

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 & Cons

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:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- 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

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month 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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Financial Snapshot

APR: 18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

One of the most rewarding cards for big business spenders, the Amex Business Gold card is undoubtedly the best pick for most veterinarians’ spending patterns.

You’ll accelerate your points-earning by hitting the minimum spending threshold required to earn the card’s welcome bonus.

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):

Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
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)

If you max out these bonus categories every calendar year, you’d earn 600,000 Amex points, worth more than $13,000 according to our valuations. That’s equal to approximately a 9% return on spend!

American Express will automatically select the 2 categories in which you spend the most at the close of each statement, so you can focus on running your business and earn the maximum number of points possible in the process.

The Amex Business Gold card also offers purchase protection, extended warranty, various travel insurance benefits, secondary rental car insurance, no preset spending limit*, and no foreign transaction fees. Plus, the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (see rates & fees).

Why We Like Earning Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable transferable points on the market, according to our valuations. You can use them for cash-back, statement credits, gift cards, merchandise purchases, AmexTravel.com bookings, and, our favorite, luxury travel bookings through the Amex transfer partners.

Ink Business Cash^® Credit Card

U.P. Rating

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

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.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Offer Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

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 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

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

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 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; 17.49% - 25.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is our runner-up card for veterinarians — you won’t find a more rewarding business credit card without an annual fee!

This card offers the ability to earn up to 5% cash-back on the first $25,000 in combined purchases each account anniversary year according to the structure below:

5% cash-back at office supply stores
5% cash-back on internet, cable, and phone services

Also, you can earn 2% cash-back on the first $25,000 in combined purchases each account anniversary year according to the structure below:

2% cash-back at gas stations
2% cash-back at restaurants

On all other purchases, as well as purchases in the above bonus categories after the bonus categories are maxed out, you’ll earn 1% cash-back.

Earning 5% cash-back is excellent, but what makes this credit card exceptional is that you can convert your cash-back to Chase Ultimate Rewards points at a 1% to 1x ratio as long as you have an Ultimate Rewards credit card like the Chase Sapphire Preferred^® Card.

The Ink Business Cash card also gets you primary car rental coverage, travel insurance, purchase protection, and of course, unlimited employee cards for no additional charge.

Why We Like Earning Chase Ultimate Rewards Points

While the Ink Business Cash card ordinarily earns cash-back, the rewards you accumulate can be converted to Ultimate Rewards points that would instantly double your return on spend.

With an Ultimate Rewards credit card like the Chase Sapphire Preferred card or the Chase Sapphire Reserve^®, you can start thinking about redeeming your points for fantastic business and first class flights via the Chase transfer partners.

Since your 5%, 2%, and 1% cash-back could become 5x, 2x, and 1x Ultimate Rewards points, respectively, you could end up getting a ~10% return on spend, all with no annual fee!

The Business Platinum Card^® from American Express

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

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

Apply Now(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!

Welcome OfferEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points

UP's Offer Valuation*:
Up to   $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
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 (on up to $2 million per calendar year)

Cons

High annual fee of $695 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
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 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card^® and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 18.49% - 29.24% Variable
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

If you’re in the market for the most rewarding card that’s also loaded with perks, the Amex Business Platinum card is the way to go.

The first thing you’ll enjoy is its welcome bonus, which is easily worth $2,000+ by itself. In addition to the welcome bonus, you’ll earn a whopping 5x Amex points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com. If you travel for conferences or other business trips, you could potentially get an ~11% return on spend.

You’ll also earn 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

But the real reason this card is so great is its travel benefits. The Amex Business Platinum card offers the best lounge access privileges of any card in the world. Specifically, you can access the American Express Global Lounge Collection, which consists of:

Centurion Lounges
Delta Sky Clubs (when flying on a same-day Delta flight)
Escape Lounges — The Centurion Studio Partner
International American Express Centurion Lounges
Plaza Premium Lounges
Priority Pass lounges, upon enrollment
Select Lufthansa Lounges
Select Virgin Atlantic Clubhouses

This collection of lounges includes over 1,400 lounges globally.

However, we’re just getting started with travel perks!

When you hold this card, you can activate your complimentary Hilton Honors and Marriott Bonvoy Gold status. You’ll also get complimentary elite status and perks with Avis, Hertz, and National upon enrollment.

You’ll also get access to Amex’s Fine Hotels & Resorts program, a Global Entry or TSA PreCheck application fee credit, statement credits for U.S. purchases with Dell, $250 in Adobe credits after qualifying purchases, $360 in Indeed credits, up to $200 in Hilton statement credits, $120 in wireless credits, an up to $209 CLEAR Plus credit, a $200 airline incidental fee credit every year, a 35% rebate on select flights via Pay With Points, and numerous travel protections like a baggage insurance plan, trip interruption and cancellation insurance, travel accident insurance, and secondary rental car coverage. Some of these benefits require enrollment.

Plus, you’ll get purchase protection, return protection, and extended warranty coverage.

Bottom Line: The 3 best business cards for veterinarians are the Amex Business Gold card, the Ink Business Cash card, and the Amex Business Platinum card. Each of them has a different value proposition, but you’re bound to find an option that works for you, whether you’re looking to earn a lot of points, low-cost rewards, or the best luxury travel benefits.

Alternative Business Cards

While we’re huge fans of the business credit cards detailed above, we understand that different veterinarians may have different needs. Next, we’ll show you some of the best alternatives to the cards above, should you want to see more options.

Ink Business Unlimited^® Credit Card

U.P. Rating

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.

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.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Offer Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

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 17.49% - 23.49% thereafter

Pros & Cons

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

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 17.49% - 23.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Unlimited card has a straightforward earning structure and access to the Ultimate Rewards program. Just like the Ink Business Cash card, this card offers cash-back rewards that can transform into transferable rewards when paired with the right card(s).

First off, you’ll enjoy a huge welcome bonus, worth $1,500+ when converted to Ultimate Rewards points.

Offering a different earning structure, the Ink Business Unlimited card earns 1.5% cash-back on all your business purchases with no caps. That means you can get up to a 3% return on spend for your everyday business purchases!

In addition, you can access a 0% introductory APR benefit (regular APR, as indicated in the table above, applies after the introductory period), zero liability protection, additional cards for no extra fee, primary rental car insurance, purchase protection, and extended warranty protection.

If you happen to have an Ultimate Rewards card such as the Chase Sapphire Preferred card or the Chase Sapphire Reserve card, your 1.5% cash-back can be converted to 1.5x Ultimate Rewards points.

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

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

Apply Now(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.

Welcome OfferEarn 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

UP's Offer Valuation*:
Up to   $330

Annual Fee

No annual fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.

Credit Recommended

Good to Excellent

Why We Like This Card

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 & Cons

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

Read Full Review

Card Highlights

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, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Financial Snapshot

APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is one of our favorite credit cards in Amex’s entire offering. Cardholders will earn 2x Amex points on everyday business purchases up to $50,000 in total purchases per calendar year and then 1x after that. Earning 2x Amex points per $1 spent is equivalent to 4.4% return on spend, according to our valuations.

To aid your business’ finances, take advantage of the 0% introductory APR offer, as shown in the table above, that can help you save a bundle on interest fees.

We also love this card because it is one of the few no-annual-fee credit cards that gets you full access to transferable rewards. The Amex Blue Business Plus card also offers secondary rental car coverage, employee cards at no additional cost, purchase protection, extended warranty, access to Amex Offers, and Expanded Buying Power (see rates & fees).

We recommend this card for veterinarians running a very lean organization because of the $50,000 cap on bonus earnings. If you have more than $50,000 in business purchases per year, your earnings won’t be maximized after the first $50,000.

Capital One Spark Miles for Business

U.P. Rating

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Miles for Business

Welcome OfferEarn 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.
50,000 miles

UP's Offer Valuation*:
$900

Annual Fee

$0 intro for the first year, $95 after that

APR

25.24% (Variable)

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

Pros & Cons

Pros

Unlimited 2x miles per dollar spent on all purchases
5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
Up to a $120 Global Entry or TSA PreCheck credit

Cons

Annual fee: $0 intro for the first year, $95 after that

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Card Highlights

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 per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
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
Receive up to a $120 credit for Global Entry or TSA PreCheck^®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles per dollar from their purchases

Financial Snapshot

APR: 25.24% (Variable)
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The first (and only) Capital One credit card in this guide is one worth considering: the Capital One Spark Miles cardInformation collected independently. Not reviewed by Capital One..

With this card, you’ll earn a sizable welcome bonus and unlimited 2x Capital One miles on every business purchase. You can also earn 5x Capital One miles on hotel and rental car bookings made through Capital One’s travel booking site.

Earning 5x and 2x Capital One miles is equal to a 6.8% and 2.7% return on spend, respectively, according to our valuations.

Other awesome perks include an up to $120 Global Entry or TSA PreCheck fee reimbursement, no foreign transaction fees, free employee cards, roadside assistance, fraud alerts, extended warranty, and zero fraud liability.

Why We Like Earning Capital One Miles

We love Capital One miles because they’re one of the major transferable rewards currencies. We value Capital One miles at a respectable 1.8 cents apiece.

You can redeem your miles via airline and hotel partners for some incredible travel bookings. And though you’ll get the best value from transfer partners, you have the option to redeem your Capital One miles for travel through Capital One’s travel booking site, statement credits, gift cards, and more.

Ink Business Preferred^® Credit Card

U.P. Rating

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.

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.

Welcome OfferEarn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
90,000 points

UP's Offer Valuation*:
$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

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 & Cons

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

Cons

No elite travel benefits like airport lounge access

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Card Highlights

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
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 more when you redeem for travel through Chase Travel^SM
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

Financial Snapshot

APR: 20.24% - 26.24% Variable
Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

The generous welcome bonus offer on the Ink Business Preferred card should be reason enough to at least consider signing up for this card.

Beyond that, you’ll earn 3x Ultimate Rewards points per $1 spent on select business categories (up to $150,000 in combined purchases per anniversary year):

Ads purchased with search engines or social media sites
Internet, cable, and phone services
Shipping expenses
Travel

Furthermore, this credit card earns Ultimate Rewards points directly. This means you don’t need another credit card to access Chase’s transfer partnerships.

Also, the Ink Business Preferred card’s cell phone insurance is second-to-none. You can get up to an additional $2,700 in value across a maximum of 3 claims every 12-month period with a maximum of $1,000 per claim and a deductible of $100 per claim ($900 net reimbursement per claim).

Finally, you’ll get stellar travel perks, including purchase protection, extended warranty, primary rental car coverage, trip cancellation and interruption insurance, no additional cost for employee cards, and much more.

Final Thoughts

Running your veterinary business means combining technical expertise with business acumen. While managing your business spend may seem laborious, you can get a significant return on your spending with any of these credit card options. Now, you’re equipped with the credit card knowledge necessary to take your practice to the next level!

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.