What is the difference between a corporate card and a business card?

A corporate card is a card specifically for corporations or some LLCs only, while a business card is generally open to sole proprietorships, gig workers, corporations, and everything in between. Corporate cards are usually best if the company has more than 100 employees who have company purchasing needs. However, corporate cards are much more difficult to qualify for, and they may even come with additional fees for the corporation beyond what business cards require.

Can an LLC get a corporate card?

Yes, some LLCs can get corporate cards. The eligibility rules vary by card issuer, so be sure to check the terms and conditions before submitting an application.

Can you use a corporate card for personal use?

Although there’s nothing illegal about using a corporate card for personal purchases, most cardmember agreements stipulate that you can only use the corporate card for corporate purchases.

Does a corporate card help your credit?

In general, corporate cards build your business credit but not your personal credit. However, some business cards actually show up on your personal credit report, which can be a good thing if you’re looking to build your credit.

Can you be declined for a corporate credit card?

Yes, corporate cards are pretty difficult to get approved for. In general, you need to meet minimum revenue requirements, company size requirements, corporate credit history requirements, and transaction volume requirements.

How much is the American Express® Corporate Green Card?

The minimum annual fee for the Amex Corporate Green card is $75, and there’s also a $90 annual fee to participate in Membership Rewards.

Does the American Express® Corporate Gold Card give lounge access?

The Amex Corporate Gold card does not have a lounge access benefit, but you may get reimbursed for lounge day passes with its annual credit of up to $100 in airline purchases (if the lounge is associated with your chosen airline).

Is a Corporate Credit Card Right for Your Business? [7 Alternatives]

Updated: March 19, 2026, 6:53am CDT

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Table of Contents

Is a Corporate Credit Card Right for Your Business?
7 Best Business Card Alternatives to a Corporate Credit Card
Final Thoughts

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As your business grows, you’ll be introduced to a totally new set of challenges. In addition to expanding the headcount and accounting for more supplies or raw materials, your purchasing needs will undoubtedly expand.

And that’s where many people look to get a corporate card. But corporate cards generally only make sense for a tiny fraction of companies. In fact, these really only make sense for large enterprises with hundreds of employees.

In this guide, we’ll explore the best cards for large businesses to get. But first, we’ll show you why you should consider alternatives to traditional corporate cards.

Is a Corporate Credit Card Right for Your Business?

Unless you have hundreds of employees that each requires a credit card to make purchases, it probably isn’t practical to get a corporate card.

If you’re a small-business owner, the benefits and rewards you get from corporate cards are muted compared to those from business cards; most corporate cards offer benefits related to administrative tasks, such as expensing and accounting capabilities. Corporate cards rarely ever offer any outsize rewards, which renders them limited in value.

Instead, consider getting a business card that offers excellent rewards and add employee cards. That way, you can meet your purchasing needs while racking up lots of points.

7 Best Business Card Alternatives to a Corporate Credit Card

Card Summary

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Card	Welcome Offer and Annual Fee	Benefits for Large Businesses
The Business Platinum Card^® from American Express	Earn ~~150,000~~ 200,000 points after spending $20,000 in eligible purchases within the first 3 months. Annual fee of $895 (rates & fees)	No preset spending limit 5x points on flights, prepaid hotels, and short-term rentals purchased at AmexTravel.com 2x points on eligible purchases in key U.S. business categories and on purchases of $5,000 or more everywhere else (up to $2 million purchases every calendar year) Access to over 1,550 worldwide lounges**, including Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, and more Great travel insurance
Sapphire Reserve for Business℠	Earn 150,000 bonus points after you spend $20,000 in your first 3 months and access more than $6,000 in total business and travel value in your first year. Annual fee of $795	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) Access to Chase Sapphire Lounges and Priority Pass lounges Great travel insurance
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)	No preset spending limit The annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees) 4x points on the top 2 categories where your business spend the most every billing cycle**, up to the first $150,000 in combined purchases every calendar year
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	No-additional-fee employee cards 5% cash-back on hotels and rental cars booked through Capital One Business Travel 2% cash-back on all other purchases Get your $150 annual fee refunded every year you spend at least $150,000
Capital One Venture X Business Card	Earn 150,000 bonus miles once you spend $30,000 in the first 3 months. Annual fee of $395	10x miles on hotels and rental cars booked through Capital One Business Travel 5x miles on flights and vacation rentals booked through Capital One Business Travel 2x miles on other purchases $300 annual Capital One Business Travel credit 10,000 bonus miles after every account anniversary year Complimentary access to participating Priority Pass™ Lounges and Capital One Lounges and Landings Global Entry or TSA PreCheck application fee credit Travel insurance
Ink Business Preferred^® Credit Card	Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months. Annual fee of $95	Employee cards for $0 additional fee 3x points in select business categories for the first $150,000 in combined purchases every cardmember year Terrific travel insurance Cell phone insurance Purchase protection and extended warranty
Business Green Rewards Card from American Express	Earn 15,000 points after spending $3,000 on eligible purchases within the first 3 months. Annual fee of $95 (rates & fees)	No preset spending limit Up to 99 employee cards for no additional fee (rates & fees) 2x points on flights and prepaid hotels** booked through AmexTravel.com 1x points on other purchases

**”No preset spending limit” means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts to factors such as your purchase, payment, and credit history.

The Business Platinum Card^® from American Express

ELEVATED WELCOME OFFER

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 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 200,000 points

UP's Offer Valuation*:
Up to   $4,400

Annual Fee

$895

APR

17.74% - 28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
Earn 2x Membership Rewards points 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 $895 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum 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 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit enrollment required.
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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 17.74% - 28.49% 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~~ 200,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is one of the most heralded business cards — a must-have if you have a large business.

To start, this card has no preset spending limit and allows you to add up to 99 total employee cards. You can also give employees an Employee Card or Expense Card, depending on if you’d like to pay an annual fee for your additional cards or not.

But in terms of rewards, you earn 5x points per $1 spent for flights, prepaid hotels, and short-term rentals booked through AmexTravel.com, plus 2x points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in these purchases every calendar year):

U.S. construction material and hardware suppliers
U.S. electronic goods retailers
U.S. shipping providers
U.S. software and cloud system providers

Looking at the travel benefits (enrollment required), you’ll be blown away:

Access to the Amex Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Priority Pass lounges (upon enrollment), and many more
Access to Fine Hotels + Resorts and The Hotel Collection
Up to $600 in credits every year (up to $300 semiannually) on prepaid bookings with Fine Hotels + Resorts and The Hotel Collection made via AmexTravel.com (The Hotel Collection requires a 2-night minimum stay)
Complimentary Hilton Honors Gold, Marriott Bonvoy Gold Elite, and Leaders Club Sterling status (upon enrollment)
Car rental benefits at Avis, Hertz, and National Car Rental
Up to a $200 airline fee credit every calendar year
Up to a $200 Hilton statement credit every year (up to $50 each quarter)
Up to a $120 Global Entry or TSA PreCheck application fee credit
Up to a $209 CLEAR^®+ credit
35% airline bonus when booking airfare on your airline of choice using Pay With Points (up to 1 million points back)
Up to $1,200 in credits for flights booked online at AmexTravel.com (unlocked with $250,000 in card spending in a calendar year to use the following year)

And to help you run your business, the Amex Business Platinum card also offers:

Up to $1,150 in Dell credits after qualifying purchases
Up to $360 in Indeed credits
$250 in Adobe credits after qualifying purchases
Up to $120 in wireless credits
Up to $2,400 in credits for American Express One AP monthly fees (unlocked with $250,000 in card spending in a calendar year to use the following year)

Wrapping up, this card also has no foreign transaction fees (rates & fees).

Why We Like Earning Amex Membership Rewards Points

By our valuations, Amex Membership Rewards points are worth 2.2 cents each, which makes them the most valuable transferrable rewards currency available.

With a maximum earning of 5x points, the Amex Business Platinum card can earn you a return on spending of around 11%. But the best way to get the most value from those points is to use those points to book luxury award flights through Amex transfer partners, especially if your large business routinely pays for its employees to fly in business or first class anyway.

But if you don’t plan on using points for award travel, you can also redeem your points in these ways:

AmexTravel.com bookings
Gift cards
Charity
Statement credits
Online shopping

These other redemption methods won’t yield nearly as much value as booking award travel through transfer partners, which can net you upward of 10 cents per point in value, especially if you book flights like Emirates business class or Lufthansa first class.

Sapphire Reserve for Business℠

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome OfferEarn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
150,000 points

UP's Offer Valuation*:
$3,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

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)

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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: Flex for Business Variable APR: 17.74% - 28.49%
Foreign Transaction Fees: None

The Chase Sapphire Reserve Business card can be an excellent fit for your business needs, especially if you’re a frequent traveler.

With it, you earn 8x points on Chase Travel purchases, 4x points on flights and hotels booked directly, and an uncapped 3x points on advertising purchases made with social media sites and search engines.

This makes the card exceptionally good for business owners who have a large amount of advertising spending, as while other cards offer ad spending as a bonus category, the Chase Sapphire Reserve for Business card is the only business card on the market with uncapped 3x rewards.

If the annual fee of the Chase Sapphire Reserve Business card gives you pause, keep in mind that it comes with over $2,000 in annual credits to help you offset the fee you’d pay, including:

Up to a $300 annual travel credit that can be applied toward purchases of flights, hotels, car rentals, cruises, and more
Up to a $500 annual credit for stays with The Edit by Chase Travel, delivered in 2 $250 credits (2-night minimum stay required)
Up to a $400 annual ZipRecruiter credit, delivered in 2 $200 biannual credits
Up to a $200 annual Google Workspace credit
Up to a $100 Giftcards.com credit, delivered in 2 $50 biannual credits
Up to $300 annually in monthly DoorDash promos ($5 restaurant credit and 2 $10 nonrestaurant credits) and a complimentary DashPass membership worth $120 annually
Up to $120 in annual Lyft in-app credits, up to $10 monthly
Up to a $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years

Plus, frequent travelers should appreciate that the Chase Sapphire Reserve for Business card includes benefits like access to the Chase Sapphire Lounge by The Club network of lounges, Priority Pass lounges, and some Air Canada Maple Leaf Lounges, complimentary IHG One Rewards Platinum Elite status, and excellent travel protections such as primary rental car insurance, trip delay insurance, and baggage delay insurance.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are among the most valuable points, worth 2 cents each. Earning 3x points is equivalent to a 6% return on spending.

Despite getting a fantastic ROI as is, you can get even more value by transferring points to airline and hotel partners for luxury award travel like Singapore Airlines First Class Suites.

You can also redeem points for statement credits, Chase travel portal bookings, Pay Yourself Back, gift cards, statement credits, Amazon.com purchases, Apple purchases, and online shopping.

American Express^® Business Gold Card

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

17.74% - 28.49% Variable

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.*
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: 17.74% - 28.49% 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 200,000 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.)

The Amex Business Gold card is another great card for large businesses. It shares a lot of characteristics with the Amex Business Platinum card that large-business owners like.

To start, there’s the same no preset spending limit perk available.

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)

Your 4x earnings are adjusted from month to month automatically based on which categories you spend the most on, so you don’t need to spend any time choosing bonus categories.

Additionally, the Amex Business Gold card has QuickBooks integrations and no foreign transaction fees (rates & fees).

Bottom Line: The Amex Business Gold card offers great rewards at a lower cost, but it doesn’t have the luxury travel benefits that the Amex Business Platinum card does.

Capital One Spark Cash Plus Card

U.P. Rating

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Cash Plus Card

Welcome Offer$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.
Up to $4,000+

Annual Fee

$150

APR

N/A

Credit Recommended

Excellent (740-850)

Why We Like This Card

The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love.

Pros & Cons

Pros

Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Business Travel
No preset spending limit

Cons

$150 annual fee

Read Full Review

Card Highlights

Earn a one-time cash bonus of $2,000 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. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee – Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Financial Snapshot

APR: N/A
Foreign Transaction Fees: None

The Capital One Spark Cash Plus card is a fan favorite among business owners. If you don’t have time to manage your rewards and search for award travel, the Capital One Spark Cash Plus card could be an amazing product for you.

The card has no preset spending limit, and you can add up to 99 employee cards for no additional annual fee, with up to 1,200 virtual cards for no additional annual fee.

This fantastic card earns up to 5% cash-back:

5% cash-back on hotels and rental cars booked through Capital One Business Travel
2% cash-back on other purchases with no caps or category restrictions

Another feature of this card is getting your $150 annual fee refunded every year you spend at least $150,000.

One hidden perk with the Capital One Spark Cash Plus card is that you can convert your cash-back rewards to Capital One miles if you also have a Capital One miles credit card, such as the Capital One Venture X Rewards Credit Card. In that situation, you’d be able to convert your cash-back to Capital One miles at a ratio of 1:1.

There are a bunch of other benefits available from the Capital One Spark Cash Plus card, including zero fraud liability for unauthorized use; integrations with Quicken, QuickBooks, and Excel; employee card spending limits; roadside assistance; extended warranty; no foreign transaction fees; and fraud alerts.

Why We Like Earning Capital One Miles

Capital One Miles is a transferable rewards program just like Amex Membership Rewards, which means you can get amazing value with your miles. We value Capital One miles at 1.8 cents each.

Obviously, the best way to use your Capital One miles is to book luxury business and first-class flights through transfer partners, but you can also redeem your points for statement credits, gift cards, Amazon.com transactions, online shopping, via Capital One’s travel booking site, and more.

Just remember that your redemption value will be 1 cent per point or less with these redemption methods compared to up to 10 cents per point with luxury award travel.

Capital One Venture X Business Card

The Capital One Venture X Business card is one of Capital One’s other charge cards. As we mentioned with the Capital One Spark Cash Plus card, the Capital One Venture X Business card has no preset spending limit.

It’s essentially the ultrapremium business version of the Capital One Venture X card. Also, the Capital One Venture X Business card has no personal guarantee, which could be a huge benefit.

You can earn up to 10x miles on your purchases:

10x miles on hotels and rental cars booked through Capital One Business Travel
5x miles on flights and vacation rentals booked through Capital One Business Travel
2x miles on other purchases

Also, you get fantastic travel benefits including:

Up to a $300 annual Capital One Business Travel credit
10,000 bonus miles after each account anniversary year
Complimentary access to Capital One Lounges and Landings and participating Priority Pass lounges, after enrollment
Up to a $120 Global Entry or TSA PreCheck application fee credit
Awesome travel insurance, including primary rental car coverage and trip cancellation and interruption insurance

Plus, you can get purchase protection, extended warranty, no foreign transaction fees, and zero-liability fraud protection for unauthorized use when using the Capital One Venture X Business card.

Ink Business Preferred^® Credit Card

NEW OFFER

Terms Apply / Rates & Fees

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.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

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

Welcome OfferEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points

UP's Offer Valuation*:
$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Good to Excellent

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

Read Full Review

Card Highlights

Earn 100k 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
Earn 5x total points on Lyft rides through 9/30/27.
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
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

Financial Snapshot

APR: 17.74% - 26.74% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is an absolute behemoth credit card if you’re looking for excellent rewards from a business credit card.

The card earns 3x points on the first $150,000 in combined purchases from these business categories:

Advertising purchases with social media sites and search engines
Internet, cable, and phone services
Shipping purchases
Travel

By earning 3x points on up to $150,000 in these categories, you earn 450,000 Ultimate Rewards points every year, which is worth around $9,000 by our valuations!

Additionally, you can earn 5x points on Lyft purchases through September 30, 2027.

The Ink Business Preferred card also offers up to a 25% redemption bonus with Pay Yourself Back and up to a 75% redemption bonus on some travel booked through Chase Travel with Points Boost offers.

Keep in mind that this card does have a traditional credit limit, but we’ve seen business owners get approved for enormous credit limits upward of $100,000.

Lastly, there’s cell phone protection, purchase protection, awesome travel insurance, no foreign transaction fees, and $0-additional-fee employee cards.

Business Green Rewards Card from American Express

Terms Apply / Rates & Fees

Business Green Rewards Card from American Express

U.P. Rating

This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.

Apply Now(at Amex's secure site)

Business Green Rewards Card from American Express

Welcome OfferEarn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases with the Amex Business Green card within the first 3 months of card membership.
15,000 points

UP's Offer Valuation*:
Up to   $300

Annual Fee

$95

APR

17.74% - 28.49% Variable

Why We Like This Card

The Amex Business Green card has a classic design and can be an excellent fit for your business. It offers rewards, perks, and redemption options, all for a reasonable annual fee.

Pros & Cons

Pros

Helps you earn rewards on all of your business expenses
Great travel and purchase protections
No Preset Spending Limit: 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

Cons

Doesn’t offer many bonus categories to help you earn more rewards
Charges a foreign transaction fee (rates & fees)

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Card Highlights

Earn 15,000 Membership Rewards^® points after you spend $3,000 on eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership
Earn one Membership Rewards^® point for each dollar you spend on eligible purchases
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way
From travel to top brands, and everything in between – use Membership Rewards^® points on the reward that means the most to you
$95 Annual Fee
Terms & Limitations Apply

Financial Snapshot

APR: 17.74% - 28.49% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The last card we’ll be discussing is the Amex Business Green card.

This card has no preset spending limit. No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts to factors such as your purchase, payment, and credit history.

Plus, you can add up to 99 total employee cards for no additional annual fee.

Combining these benefits together makes the Amex Business Green card a worthwhile contender for large-business owners.

Right now, you earn:

2x points on flights and prepaid hotels booked through AmexTravel.com
1x points on other purchases

Other perks include access to the Global Assist hotline. Of course, you can automatically categorize your expenses in QuickBooks using this card, too.

Final Thoughts

For most businesses, getting a corporate card just doesn’t make sense. The rewards you get from true corporate cards are lackluster, and the main benefits hinge on expense and account management. You’d only want to get a corporate card if you have more than 100 employees.

The better solution for you would probably be to get a business card with either no preset spending limit or a very high credit limit. Even if you’re spending millions of dollars per month, you could potentially get that spending done with a charge card, which would be huge.

Overall, the best cards for large businesses generally belong to Amex, Capital One, and Chase.