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Upgraded Points: Expertise You Can Trust
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In this post, we’ve compiled a list of the best business cards. These 11 credit cards all have strengths that will benefit businesses of all sizes and types.
The rating for this card has been determined by our own industry experts who know the ins and outs 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!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
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.
150,000 points
Up to $3,300
$695
18.49% - 29.24% 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.
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)
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).
The elite Amex Business Platinum card is a clear leader if your business requires a lot of travel and you want access to travel perks and benefits.
With this card, you earn 5x Membership Rewards points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com and 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), and 1 point per dollar on all other purchases.
The rating for this card has been determined by our own industry experts who know the ins and outs 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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
100,000 points
Up to $2,200
$375
18.49% - 29.24% Variable,0% on purchases for 6 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.
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
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
The Amex Business Gold card is an excellent choice if you’re looking to maximize the number of points you earn through your business spending. This card is a powerhouse for earning Membership Rewards points thanks to its flexible bonus categories that adjust automatically.
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)
Having a card that enables you to maximize your rewards automatically and helps you focus on running your business is pretty unique. If you’re interested in learning more, there are many other benefits of the Amex Business Gold card!
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
200,000 points
$4,000
$795
18.49% - 26.49% 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.
Excellent
Why We Like This Card
The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.
Pros & Cons
Pros
8x points on Chase Travel purchases
4x points on flights and hotels booked directly
3x points on advertising purchases made with social media sites and search engines (uncapped)
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Financial Snapshot
APR: 18.49% - 26.49% Variable
Foreign Transaction Fees: None
The Chase Sapphire Reserve Business card packs quite the punch and can be an absolute must-have for business owners with large travel and advertising expenses. Here is how you earn points with the card:
8x points on Chase Travel purchases
5x points on Lyft rides through 9/30/27
4x points on flights and hotels booked directly
3x points on advertising purchases made with social media sites and search engines (uncapped)
While there are other cards that offer 3x or 4x on advertising spend, these cards also come with annual spending caps that limit their usefulness after you’ve met that threshold. However, with the Chase Sapphire Reserve Business card, there are no caps on the 3x rewards you receive for your ad spend, which is why it is our pick for the best business card for advertising spending.
Plus, in addition to its huge welcome bonus offer, you receive tons of perks like a $300 annual travel credit, up to $500 annually in statement credits for The Edit by Chase Travel, $400 annual ZipRecruiter credit, $200 annual Google Workspace credit, up to $100 Giftcards.com credit, $120 in annual Lyft in-app credits, Global Entry, TSA PreCheck, or NEXUS credit, and more.
You also receive access to Chase Sapphire Lounges and Priority Pass lounges, excellent travel and purchase protections, complimentary IHG One Rewards Platinum Elite status, and additional benefits after you spend $120,000 on the card in a calendar year, which include IHG One Diamond Elite status, Southwest Airlines A-List status and a $500 Southwest Airlines credit when booked through Chase Travel, and $500 credit for the Shops at Chase.
Ink Business Preferred® Credit Card
✅ Our Pick for Best Business Credit Card With Flexible Bonus Categories
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
90,000 points
$1,800
$95
20.24% - 26.24% 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)
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
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 TravelSM
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
The Ink Business Preferred card is the most appealing for businesses that travel frequently. Plus, its broad range of bonus earning categories is likely to pair nicely with your business’ spending patterns.
You’ll earn 3x points per $1 spent (up to $150,000 per year) in the following bonus categories:
Advertising on social media and search engines
Travel
Shipping
Internet, cable, and phone services
For example, if you spent $50,000 per year in those bonus categories, you’d earn 150,000 Chase Ultimate Rewards points. That’s worth $1,875 when you use Chase’s Travel portal to book flights, hotels, etc. Or you can get even more value from your points by transferring them to the Chase airline and hotel partners!
You can receive up to $2,700 in cell phone protection claims every 12 months, and it’s split up to $1,000 per claim with up to 3 claims every 12 months. This insurance protects against accidental damage and theft of your phone, comes with a low $100 deductible, and covers phones that are purchased brand-new (used and refurbished phones do not qualify).
Ink Business Cash® Credit Card
✅ Our Pick for Cash-Back Bonus Categories, and No Annual Fee
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 17.49% - 25.49% 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)
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
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
The Ink Business Cash card is a great $0-annual-fee option that offers some exceptional perks, including travel insurance and purchase protection, and earns lots of cash-back with these great bonus categories:
Earn 5% cash-back (up to $25,000 in combined purchases):
Office supply stores
Internet, cable, and phone services
Earn 2% cash-back (up to $25,000 in combined purchases):
Gas stations
Restaurants
Plus you earn 1% cash-back on all of your other purchases.
If you also have a premium Chase Ultimate Rewards credit card (one that charges an annual fee) you can turn your cash-back into Ultimate Rewards points that can then be transferred to hotel and airline partners for maximum value.
Hot Tip: Many new businesses spend a lot on phone expenses, internet service, and office supplies, so having a business credit card such as the Ink Business Cash card that gives 5% cash-back in these categories could make it a good choice for a start-up business.
Ink Business Unlimited® Credit Card
✅ Our Pick for Flat-Rate Cash-Back and No Annual Fee
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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 17.49% - 23.49% 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)
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
If you’re looking for simplicity, the Ink Business Unlimited card may be just right for you. This card earns a flat 1.5% cash-back on all purchases without worrying about bonus categories or earning limits.
Ink Business Unlimited cardholders with a premium Ultimate Rewards credit card can combine the points earned from their cards and transfer them to Chase’s airline and hotel partners.
Other cards, such as the Amex Blue Business Plus card, might offer 2x points, but the bonus rewards are capped at $50,000 annually. With the Ink Business Unlimited card, you have no cap on how many points you can earn!
It’s easy to see how the Ink Business Unlimited card fits into the Ink portfolio of cards, perfectly filling in the spending category gaps of the Ink Business Preferred card and Ink Business Cash card.
Bottom Line: A business credit card with a 0% APR period for purchases can help your business with cash flow as you spread out the repayment of a large purchase over time.
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
No annual fee
0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 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
Why We Like This Card
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Pros & Cons
Pros
2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection
Cons
Not ideal for those who spend a lot on a specific category like groceries or gas
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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 as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
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% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Cash card offers a simple way to earn cash-back for every purchase you make. For the first $50,000 you spend per calendar year, you earn 2% cash-back credited to your statement. After that, you earn 1% cash-back.
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
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.
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
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.
The Amex Blue Business Plus card is a great $0-annual-fee option that offers simple, flat-rate points earning (rates & fees). With this card, you earn valuable Membership Rewards points that can be transferred to the Amex transfer partners for maximum value.
You earn 2x points per $1 spent (up to $50,000 annually). After you hit the $50,000 threshold, you earn 1x point per $1.
Plus, you’re able to get additional employee cards at no additional cost and earn points on all of their purchases in addition to your own (rates & fees).
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
up to 175,000 points
Up to $875
$195
20.24% - 29.24% 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.
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
With this card, you earn 12x Hilton Honors points per $1 spent at hotels and resorts within the Hilton family of brands worldwide.
On top of all that, you earn 5x points per $1 on other purchases for the first $100,000 each calendar year, then 3x points thereafter.
The Hilton Business Amex card also helps fast-track you to higher levels of Hilton Honors elite status. As a cardmember, you get automatic Hilton Honors Gold status. If you spend $40,000 or more in a calendar year, you’re upgraded to Diamond status.
You can get up to $240 back each year for eligible purchases made directly with Hilton.
Delta SkyMiles® Reserve Business American Express Card
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
110,000 miles
Up to $1,320
$650
20.24% - 29.24% 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.
While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.
Pros & Cons
Pros
3x miles per dollar on Delta purchases
1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Cons
High annual fee
Does not earn many miles for purchases outside of Delta spend
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
1.5x miles per $1 on eligible transit, U.S. shipping and office supply stores,
1.5x miles on all eligible purchases after spending $150,000 in purchases in a year
1x miles per $1 on all other purchases
The Delta Reserve Business card also helps you earn Delta SkyMiles elite status. Get closer to elevated status each year by receiving $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta Reserve Business card.
Marriott Bonvoy Business® American Express® Card
✅ Our Pick for Bonus Categories and Marriott Loyalists
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
A great option for business owners who stay in Marriott hotels and want automatic elite status.
A great option for business owners who stay in Marriott hotels and want automatic elite status.
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
3 Free Night Awards
Up to $1,050
$125
20.24% - 29.24% 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
Why We Like This Card
Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.
Pros & Cons
Pros
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
One of the best benefits of the Marriott Bonvoy Business card is the free night award certificate you get a month after every cardmember anniversary. This free night award is good for any 1-night stay of up to 35,000 points. This could get you a free night worth anywhere from $200 to $300. The benefit alone could pay for the card every year!
150,000 pointsThe Business Platinum Card® from American ExpressEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
ELEVATED OFFER100,000 pointsAmerican Express® Business Gold CardEarn 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.
Up to $750Ink Business Cash® Credit CardEarn $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.
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
15,000 pointsThe Blue Business® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
LIMITED-TIME OFFERup to 175,000 pointsThe Hilton Honors American Express Business CardEarn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
LIMITED TIME OFFER110,000 milesDelta SkyMiles® Reserve Business American Express CardLimited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
3 Free Night AwardsMarriott Bonvoy Business® American Express® CardWELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
4x points in select categories, 2x points on all other purchases
Gold Elite status
What Is a Business Credit Card?
A business credit card is a card that is designed for business expenses instead of personal expenses. This is great for accounting purposes as it will allow you to easily reference and calculate all of your business expenses for the year when it comes time to pay your taxes.
How To Select a Business Credit Card
There are so many variables when it comes to credit cards, and business credit cards are no different.
Business Card Basics
You’re personally responsible for paying the card unless your contract states otherwise. Your personal credit may play a significant role in whether you’re approved for a business credit card.
The Federal Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009set new provisions to protect consumers from some of the negative practices of credit card companies, but the CARD Act does not apply to business cards. Your business credit card may have higher fees and be less consumer-friendly, although many banks now include CARD protections voluntarily on business cards.
Credit limits are generally higher for business credit cards than for personal credit cards.
Unfortunately, APRs can also be higher on business credit cards — a good reason not to carry high balances.
Narrow Your Options by Answering These Questions
Which are my most significant business expenses? Select a card that rewards your most significant spending categories, ideally one that rewards all of your spending in those categories, not just a portion.
What are my business travel requirements? Are you a road warrior who values rewards for gas purchases, an in-home business requiring no travel, or a frequent flyer who values premium travel benefits?
Do I want to earn cash-back to reinvest in my business, or is earning travel rewards more of a priority?
Do the redemptions for rewards add value to the business? With cash-back credit cards, the answer may be easy, but can your business benefit from free airline tickets if your business doesn’t require travel? Don’t forget, it’s perfectly acceptable to use the rewards earned on business expenses for a personal vacation.
Do I prefer a business card with no annual fee? While some high-annual-fee cards provide exceptional benefits, you may have a preference to stay clear of cards with high annual fees.
Bottom Line: While it’s essential to select a business credit card that aligns with your expenses and priorities, it’s not a permanent decision. Try the card for a year and determine if it meets your needs. If the card doesn’t have an annual fee, you can hold on to it to build a longer credit history, or you can cancel your card if it has an annual fee but doesn’t offer the value you want.
The legal name of your business (this can be your own name)
Your business entity (sole proprietor, partnership, S corporation, limited liability company)
Tax ID number, which can be either an Employer Identification Number or Social Security number
Years you’ve been in business
Business revenue (it can be $0) and total personal income
Business address (can be the same as your personal address) and phone number
Type of business and subtype of business (for example, services, subtype cleaning services)
Number of employees
5 Tips for Completing a Business Credit Card Application
Don’t lie. Provide information that is as accurate as possible.
Relationships matter. Having other credit cards (with a positive history) or a bank account with the financial institution issuing the credit card will increase your chances of approval. For example, having a business checking account from Chase can help increase your likelihood of being approved for a Chase business credit card.
Keep a copy of the application. If for any reason you are not approved, or if the issuing bank needs more information, you can refer to your application during follow-up conversations.
Make notes. On the copy of your application, make notes as to why you answered a question a certain way. Did you estimate your earnings? What was the process you used for the estimate?
Take a screenshot of the offer. Before you hit submit, make sure you’ve documented the credit card offer. Applying for an offer that gives you 50,000 miles after your first purchase? Be sure you have a screenshot to refer to if those 50,000 miles don’t show up.
It’s also not a bad idea to familiarize yourself with the rules of each bank before applying. This will ensure you’re within the card limit for a specific issuer, eligible for the welcome bonuses, etc.
Bottom Line: You can apply for a business credit card even if your business doesn’t yet have income. A strong personal credit history increases your chances of being approved. Consider applying in person at a local bank branch where you’ve done business.
Business Credit Cards vs. Personal Credit Cards
Some business owners question whether it’s necessary to have a business credit card for your start-up or small business. It’s especially questionable if you’re not making a lot of money yet and you’ve been able to utilize your personal credit card for the expenses you’ve incurred so far.
It’s prudent to separate business expenses from personal expenses, and it can become critical when it comes time to pay taxes or produce supporting information for an audit. An easy way to separate expenses is to open a bank account for your business and apply for a business credit card to use for your business-related purchases.
Additionally, business credit cards frequently offer perks for businesses, have higher credit limits, and reward business category purchases more than personal cards.
Deciding Between a Business Charge Card or a Business Credit Card
A credit card allows you to carry a balance from 1 statement period to another. You will be charged interest on any carryover balance. A charge card requires the balance to be paid off in full each statement period.
Charge cards may have offers that allow you to carry over a balance, but it’s not guaranteed. The credit card issuer has to explicitly grant you this privilege.
An advantage of a charge card is not having a specified spending limit, as the credit card issuer will determine this based on how you’re managing the card.
Hot Tip: If a charge card is what you’re looking for, consider the Brex corporate cards. Brex is a company that has turned business credit cards on their head.
Which Types of Businesses Qualify for a Business Credit Card?
The IRS gives us the bottom line on what constitutes a business in its statement: “Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.”
Under that definition, a business can range from opening a restaurant to selling homemade jam or refereeing soccer on the weekends, as long as it has a reasonable expectation of earning a profit. Even if your side gig is small, it may still qualify for a business credit card because your personal credit will play a significant role in whether you get approved for a business credit card.
The number of business expenses you have can add up over the year, and putting all of these expenses on a set business credit card can be a lifesaver when it comes time to pay your taxes. This way, you can easily access, refer to, and itemize your expenses from the past year.
Earn Rewards and Optimize Your Spend
Business credit cards can offer lucrative rewards structures that offer travel rewards or cash-back on every dollar you spend. If you aren’t using a business credit card for your expenses, you leave money on the table with every transaction you make.
Welcome Bonus Offers Boost Your Bottom Line
Not only are the rewards you earn with a business credit card lucrative, but the welcome offers you receive can boost your bottom line at the end of the year. Some of the best credit card welcome offers can offer anywhere from $500 to $1,000 in cash-back, or can offer travel rewards points that can offset thousands of dollars in travel expenses you’d otherwise have needed to pay out of pocket for.
Receive Perks and Protections
Another great way to enhance the value of your business credit card is the perks and protections they can offer.
For instance, many benefits rich cards might offer perks like airport lounge access, annual credits to help offset your business expenses, elite status, priority security clearance at the airport, and more.
In terms of protections, look for benefits like purchase protection, extended warranty protection, cell phone protection, trip delay protection, rental car insurance, and more as these items can really come in handy when the unexpected happens.
No Foreign Transaction Fees
If you operate a business that requires making overseas purchases, then this perk is an absolute must-have. Without it, you’ll be charged anywhere from 2.7% to 3% in fees for your international purchases, which can add up quickly.
Enable and Track Employee Expenses
Most business credit cards have functionality that allows you to add employee cards for no additional fee. They even offer helpful benefits like allowing you to set credit limits for each card individually, and track expenses across all cards from your main account.
Cons of Getting a Business Credit Card
Not Ideal if You Can’t Regularly Pay Your Balance Off
Business credit cards can charge high interest rates, especially for business credit cards offering travel rewards. Given that, ensure you’re always paying your full statement balance to avoid paying interest on the business expenses you make with your card.
Might Charge an Annual Fee
Some of our favorite business cards, the Amex Business Platinum card and the Ink Business Preferred card, charge an annual fee. In our view, the benefits that cards offer can easily outweigh the cost, but this isn’t always the case for everyone. That said, if you’re considering a business credit card that charges an annual fee, make sure the value you’ll receive from the card is higher than the fee you’ll pay.
Methodology: How We Selected Our List of the Best Business Credit Cards
The Upgraded Points team selects the best business credit cards based on their ability to provide cardholders with value. When evaluating each card, we assess every factor possible, including the card’s benefits, earnings structure, welcome bonus offers, redemption value/rewards program, fees, and more.
Here’s a look at our thought process when selecting the best business rewards cards:
Associated Benefits
The top business rewards cards will offer benefits that can help your business, whether on the bottom line or by making tasks easier. Benefits such as free employee cards, statement credits, travel benefits such as lounge access, expense management tools, and card protections are just some examples of travel perks we look for.
Earnings Structure
We look for cards that offer solid bonus categories on various business purchases like advertising, computer hardware, shipping, and more. A great business rewards card could also have flat-rate earnings on all purchases, making it easy to accumulate rewards on everyday purchases.
Welcome Offers
A business card’s welcome offer is perhaps the best way to earn a large chunk of points quickly. While this is a one-time bonus, they are a factor in our evaluations because they can be lucrative.
We’ll provide you with the current welcome offer information for each card, but we also encourage you to confirm the welcome offer and review any offers before applying for any card.
Fees
The best business rewards cards come with excellent perks and benefits, but with those benefits also come with higher card annual fees. That said, if the card is right for you, it can be easy to get far more value from the card than what you pay for the annual fee.
Redemption Value
A card will score high if it earns flexible rewards that allow for several options at redemption time. The best business rewards cards provide the option to redeem points directly for travel, cash-back, or statement credits, or allow the transfer of rewards to airline and hotel partners for the opportunity to receive the greatest potential value.
Hot Tip: While the most desired benefits and features of a card will vary by person, our holistic approach gives readers the full picture of what they can expect from every card we review. To learn more about how we review cards, read through our designated methodology page.
Final Thoughts
Opening a business credit card is a positive step that supports the future growth of your business, and you do not need to have a large business to qualify.
While this list of the best business credit cards is exhaustive, many more options are available.
Find the best business credit card for your business by researching the best available cards, their rewards and benefits, and their drawbacks. A business credit card can make a big difference for your business, so it’s critical to make an informed decision.
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