The 11 Best Business Cards in August 2026

Business credit cards can help separate business and personal expenses while earning rewards, improving cash flow, and unlocking perks. Cards are available for businesses of all sizes, whether you’re a freelancer, run a startup, or have a long-established company.

Fees, earning categories, and benefits vary, so don’t apply until you’ve reviewed the key factors and top recommendations below to find the best fit for your needs.

Quick Overview of the Best Business Cards

The best business credit cards combine rewards on common business expenses with benefits that can help offset annual fees, which range from $0 to nearly $900.

If you travel frequently, The Business Platinum Card^® from American Express is unmatched for its premium travel benefits, airport lounge access, and flexible rewards. To maximize routine business spending, the American Express^® Business Gold Card provides a variety of 4x bonus categories. If you prefer to avoid an annual fee, the Ink Business Unlimited^® Credit Card and The Blue Business^® Plus Credit Card from American Express offer great flat-rate rewards.

Most business credit cards require good to excellent personal credit. However, it’s important to know that business cards are available to sole proprietors, freelancers, and other self-employed individuals, and not just incorporated businesses.

The Best Business Cards Right Now

1. The Business Platinum Card^® from American Express: $895 annual fee (rates & fees), best for luxury travel benefits, including Amex Centurion Lounge access.
2. American Express^® Business Gold Card: $375 annual fee (rates & fees), best rewards earning on business purchases.
3. Sapphire Reserve for Business℠: $795 annual fee, best for Chase Sapphire Lounge access for you and up to 2 guests.
4. Ink Business Preferred^® Credit Card: $95 annual fee, best for 3x rewards on a variety of expenses.
5. Ink Business Cash^® Credit Card: $0 annual fee, best for 0% introductory APR offer.

What Is a Business Credit Card?

A personal credit card is intended for everyday personal spending, while a business credit card is designed to keep business expenses separate from personal ones. There are additional features you won’t find on personal cards, as business cards often come with higher spending limits, rewards on business categories (like advertising or shipping costs), expense tracking, and employee cards (Source: American Express).

However, business cards are available to more than just incorporated businesses. Sole proprietors, freelancers, and independent contractors can often apply using their Social Security number (SSN) instead of an Employer Identification Number (EIN). That’s because most issuers will check your personal credit during the application process, and you’ll typically need to provide a personal guarantee for the account (Source: Chase).

Best Business Credit Cards: Full Comparison

How To Choose the Best Business Card

Business credit cards generally earn flexible points for travel or cash-back. The best choice depends on your spending.

If your largest expenses are travel, advertising, shipping, or office supplies, a card with those specific bonus categories can maximize rewards. Otherwise, a flat-rate card earning 1.5% or 2% on every purchase may provide more consistent value.

Businesses with lower spending or startups may benefit from a no-annual-fee card or a 0% introductory APR offer for short-term financing. A card with an annual fee may make sense when its rewards and benefits exceed the cost, and businesses with employees may want free additional cards and spending controls.

Keep in mind that business credit cards aren’t subject to CARD Act consumer protections (Source: Federal Reserve Board).

The Business Platinum Card^® from American Express

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the 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!

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 Offer

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.74% - 28.49% Variable

Credit Recommended

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 card application.

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

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
• 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 01/2026.
• See how you can unlock over $4,000 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 $219 back per calendar year on your CLEAR+ 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 up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• 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.
• 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
• 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 as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

The Amex Business Platinum card is great if your business requires frequent travel and you want access to travel perks and benefits. Beyond worldwide airport lounge access, it offers numerous statement credits that add significant incremental value.

American Express^® Business Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the 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).

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 Offer

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 200,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$375

APR

17.74% - 28.49% Variable

Credit Recommended

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 card application.

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

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• 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.
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• 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 as high as 200,000 points with the Amex Business Gold card. Find out your offer. Terms apply.

The Amex Business Gold card is a powerhouse for earning Membership Rewards points thanks to its flexible 4x points bonus categories on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year).

Sapphire Reserve for Business℠

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

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.

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 Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

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 card application.

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 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 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 offers bonus points on travel and earns 3x Ultimate Rewards points on advertising expenses with no caps. Plus, cardholders receive access to Chase Sapphire Lounges and Priority Pass lounges, as well as additional perks like a $300 annual travel credit.

Ink Business Preferred^® Credit Card

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

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.

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 Offer

Earn 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

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 card application.

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 earns 3x Ultimate Rewards points on advertising on social media, search engines, travel, shipping, internet, cable, and phone services (up to $150,000 per year). It’s the best business card for earning tons of rewards without a huge annual fee investment.

Ink Business Cash^® Credit Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating 

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.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

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

Welcome Offer

Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.

Credit Recommended

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 card application.

Good to Excellent

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; 16.74% - 24.74% variable 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 on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

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

Read Full Review

Card Highlights

• Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
• Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
• Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
• Earn 1% cash back on all other purchases with no limit to the amount you can earn.
• Earn 5% total cash back on Lyft rides through 9/30/27.
• As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
• Complimentary three-month lnstacart+ membership.
• No Annual Fee
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is a great $0-annual-fee option that offers 5% cash-back on office supply stores, internet, cable, and phone services (up to $25,000 in combined purchases) and 2% cash-back on gas stations and dining (up to $25,000 in combined purchases).

Ink Business Unlimited^® Credit Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

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.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

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

Welcome Offer

Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Credit Recommended

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 card application.

Good to Excellent

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 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

If you’re looking for simplicity, the Ink Business Unlimited card earns 1.5% cash-back on all purchases with no bonus categories or earning limits.

Hot Tip:

A business credit card with a 0% APR period on purchases can help your business’ cash flow by spreading repayment of a large purchase over time. 

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

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 calendar year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

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 calendar year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

UP's Offer Valuation*:

As High As $250

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

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 card application.

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 the first $50,000 of purchases each calendar year, 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

Read Full Review

Card Highlights

• 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, 16.74% – 28.49%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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. Learn More.

Financial Snapshot

• APR: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card offers a simple yet affordable way to earn cash-back rewards on every purchase. For the first $50,000 you spend per calendar year, you earn 2% cash-back credited to your statement, then 1% cash-back.

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

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.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

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

Welcome Offer

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's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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

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

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

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

Pros & Cons

Pros

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

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, 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 above 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: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

If you prefer to earn Membership Rewards points for travel, the Amex Blue Business Plus card is a great $0-annual-fee option that offers 2x points on up to $50,000 in annual spending, then 1x points.

The Hilton Honors American Express Business Card

Terms Apply / Rates & Fees

The Hilton Honors American Express Business Card

U.P. Rating 

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.

Apply Now(at Amex's secure site)

The Hilton Honors American Express Business Card

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

130,000 points

UP's Offer Valuation*:

Up to $650

Annual Fee

$195

APR

19.49% - 28.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros & Cons

Pros

• Earn 12x points per $1 on eligible Hilton purchases
• Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
• Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status

Cons

• $195 annual fee (rates & fees)

Read Full Review

Card Highlights

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
• 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.
• 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.
• You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
• Terms apply.

Financial Snapshot

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Hilton Honors loyalty program

The Hilton Business Amex card is good for Hilton loyalists because it offers multiple points-earning categories and a fast track to Hilton Honors elite status. Plus, you can get up to $240 back each year on eligible purchases made directly with Hilton, up to $60 quarterly (Source: American Express).

Delta SkyMiles^® Reserve Business American Express Card

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

U.P. Rating 

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.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome Offer

Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.

80,000 miles

UP's Offer Valuation*:

Up to $960

Annual Fee

$650

APR

19.49% - 28.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

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

Read Full Review

Card Highlights

• Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles^® Reserve Business Members receive 15 Visits each Medallion^® Year to the Delta Sky Club^® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• 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.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
• Earn 3 miles per dollar on eligible Delta purchases.
• 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.
• 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.
• Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• 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. Enrollment required.
• With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
• 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.
• Terms and limitations apply.

Financial Snapshot

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

If you fly Delta often and value earning Delta elite status, the Delta Reserve Business card could be a good addition to your wallet. It provides the added bonus of Amex Centurion Lounge access and 15 annual visits to the Delta Sky Club, requiring that you book your flight with Delta and present your same-day boarding pass.

Marriott Bonvoy Business^® American Express^® Card

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating 

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.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome Offer

Earn 75,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.

Up to 125,000 points

UP's Offer Valuation*:

Up to $875

Annual Fee

$125

APR

19.49% - 28.49% Variable

Credit Recommended

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 card application.

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 Marriott Bonvoy^® 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.
• 2x points per $1 on all other purchases

Cons

• Moderate annual fee of $125 (rates and fees)
• No premium perks like airport lounge access

Read Full Review

Card Highlights

• Earn 75,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
• 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 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 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.
• Terms apply.

Financial Snapshot

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Business card offers a 7% room discount and 15 Elite Night Credits. 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, worth up to 35,000 points.

Methodology: How We Selected Our List of the Best Business Credit Cards

The Upgraded Points team evaluates business credit cards based on the complete value they provide to business owners. Factors to consider include earnings rates, reward value, welcome offers, annual fees, benefits, and long-term value when identifying the best options for different types of businesses.

Other unique features of business cards are free employee cards, expense management tools, and travel perks when applicable. For a detailed explanation of our review process, visit our credit card rating methodology guide.

Final Thoughts

The best business credit card isn’t necessarily the one with the highest annual fee. Instead, it’s the one that matches your business’ spending habits and rewards you long term.

Fortunately, business cards are diverse, whether you’re seeking the premium travel perks of the Amex Business Platinum card, flexible transferable rewards of the Chase Sapphire Reserve Business card, or the $0 annual fee of the Ink Business Unlimited card or Amex Blue Business Plus card. Review the comparison table to find the best fit for your business.