13 Businesses You Can Start To Get a Business Credit Card [2021]

Starting a business online

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We live in an increasingly connected world and as we become more and more technologically advanced, it’s becoming easier and easier to do business.

It’s difficult for business owners to continuously keep up with every single new trend, software, or idea out there. But with so many different businesses out there that you can start, it can often be overwhelming trying to pick 1 that aligns with your personality!

If only there was some sort of guide that walked you through the best businesses you can start that’ll also get you closer to traveling for free. Well, you’ve come to the right place!

Wouldn’t it be so nice if you could start a business, earn a ton of rewards from your business credit cards, and book some incredible travel with your points?

It’s absolutely possible, and we’ll show you our favorite businesses you can start to get a business credit card in this guide!

Why and How to Get a Business Credit Card

In the past, the main reason an entrepreneur would get a business credit card was simply to access credit and separate business expenses from personal expenses.

Today, all business credit cards more or less provide this, and there are plenty of reasons why business credit cards are essential tools. Simply put, points enthusiasts love business credit cards for the access to an extra treasure trove of rewards, larger credit limits, and the fact that it isn’t reported to personal credit bureaus.

The process of applying for a business credit card is almost identical to applying for a consumer/personal credit card. The only difference is that you’ll fill in some extra information about your business, including the structure, age, number of employees, revenue, and more.

One important distinction to point out, though, is that you don’t need thousands of employees or hundreds of thousands of dollars in revenue to qualify for a business credit card.

You can qualify for business credit cards with a business structure as simple as a sole proprietorship where you’re the only employee using your social security number as the taxpayer identification number (TIN).

Credit card issuers are heavily invested in helping small business owners start out and succeed; it’s more important to show strong personal income that can be used to back the business and a superb payment history.

Bottom Line: Applying for a business credit card has tons of upsides and isn’t all that different from applying for a personal credit card! 

13 Businesses You Can Start to Get Business Credit Cards

1. Social Media Influencer

Social media influencer
Image Credit: G-Stock Studio via Shutterstock

Social media has become one of the world’s favorite pastimes. And with so many people worldwide flocking to social media, it has even become a crucial place where people make decisions!

Many people buy goods and services on social media platforms, which has created a massive landscape of social media influencers.

Today, starting a business as a social media influencer is easier than ever — all you need is a smartphone to begin!

And while there’s bound to be a niche for every single social media influencer out there, one of the largest is travel, luxury, and leisure.

Our Recommended Business Card for Social Media Influencers

The Business Platinum Card® from American Express is one of the most prestigious cards you can have in your wallet. You can earn 5x points on all flights and prepaid hotels booked on Amex Travel.

But more importantly, you’ll get incredible travel benefits, including access to the exclusive Amex Fine Hotels & Resorts program, complimentary hotel elite status with Hilton and Marriott, and the best lounge access in the world with the American Express Global Lounge Collection.

It’s easy to travel in style with the Amex Business Platinum card!

2. Small Business Marketing

Marketing
Image Credit: Peshkova via Shutterstock

One of the hardest things a business can get right is designing and executing an effective marketing strategy.

This is especially difficult with small businesses, a stage in which there are limited resources they can allocate towards marketing.

If you have a knack for marketing, whether it be from formal education or always being in-tune with the latest marketing trends, then there’s a huge potential market of small business owners who could stand to benefit from your expertise!

All you need to get started is a computer and an internet connection, so it’s also one of the easiest businesses you can start.

Our Recommended Business Card for Small Business Marketers

The American Express® Business Gold Card is an incredibly useful asset to have in your wallet mostly because of its diverse spending categories you can earn bonus points for.

Specifically, you will earn 4x points on up to $150,000 in combined purchases from 2 of these 6 categories each calendar year:

  • Airfare purchased from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

If you’re going to be a small business marketer, chances are you’ll be spending quite a bit of money on advertising on behalf of your clients and software, which are 2 areas where the Amex Business Gold card excels!

3. Consulting

Consulting
Image Credit: fizkes via Shutterstock

If you have a valuable skill that you’ve mostly kept as a hobby, now could be the perfect time to start monetizing your skills!

Consulting is such an important and broad field that most of us will have something worthwhile to offer.

Whether you’re helping executives build soft skills, offering technical engineering advice, building an online store for a client, or doing virtual interior design sessions, there’s bound to be something for your interests.

And in this increasingly connected world, it’s almost like all you need to start a consulting business is an account on Zoom!

Our Recommended Business Card for Consultants

Consultants often have miscellaneous expenses that can’t be grouped into a single business category. That’s where The Blue Business® Plus Credit Card from American Express comes in clutch!

This awesome business credit card is designed for the everyday business spender in mind. You don’t need to worry about specific category restrictions!

Whatever your business expenditures are, you can count on the Amex Blue Business Plus card to make the most of your rewards as well, thanks to its award-winning Membership Rewards program.

4. Reselling

Reselling
Image Credit: ra2 studio via Shutterstock

Another great business you can start is one of the oldest out there: reselling. In the past, reselling was only possible if you had dedicated warehouse storage space, the right supplier relationships, and the business acumen.

Thanks to the internet, reselling on sites like eBay, Poshmark, Craigslist, and even Facebook Marketplace is easier than ever to access. Best of all, they are almost always user-friendly, in an effort to make your reselling business as seamless as possible.

And depending on what products you’re selling, you’re going to be incurring significant costs before making the sale, recovering the cost, and (hopefully!) making a profit.

Our Recommended Business Card for Resellers

If you need a high credit limit and the ability to get rewards on business categories like shipping purchases and internet services, the Ink Business Preferred® Credit Card will offer some of the best benefits you can get! 

Besides the fact that you’ll earn valuable Ultimate Rewards points, you’ll enjoy 3 points per dollar on the first $150,000 spent in combined purchases on the following categories:

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

As a reseller, you’ll also enjoy top-notch business protections like fraud protection, purchase protection, cell phone protection, personalized account alerts, and much more.

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Learn More
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • $2,000
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95

Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

5. Tutoring

Tutoring
Image Credit: Maria Symchych via Shutterstock

Educational services is a booming sector. If you want to claim your piece of the pie, all you need to have is a laptop and a skill. Top tutors command huge hourly rates, and this isn’t limited to biology or math.

In addition to academics, you can tutor others in the arts, wellness, fitness, and so much more. The key to success? Use as many online platforms as you can to get as many customers as you can handle. Platforms like Wyzant, Upwork, Varsity Tutors, and TutorMe offer the ability to easily start tutoring.

Our Recommended Business Card for Tutors

As a tutor, you probably won’t have huge, recurring business expenses, but when you do, be sure to utilize a card that rewards you for internet services, like the Ink Business Cash® Credit Card.

Incredibly, this card gives you 5% cash-back on internet, cable, and phone services (up to $25,000 in combined purchases every account anniversary year).

It doesn’t end there because if you have a card that earns Ultimate Rewards points, you can convert that 5% cash-back to 5x points, which is worth a 10% return on spend, based on our points and miles valuations.

6. Rental Properties/Real Estate

Real estate rental
Image Credit: Rawpixel.com via Shutterstock

One of the most admirable businesses you can start (and a very popular one that people have, but often don’t count as a business) is real estate.

There are tons of real estate strategies out there, but most are interested in rental properties and home renovations.

In any case, you’ll probably find yourself often at home improvement stores making big purchases in hopes of a greater return on the other end.

Whatever the case, you’ll want a card that maximizes all these benefits because missing out on rewards for big-ticket items hurts! Most importantly, you’ll probably want a card that offers great earning categories with no caps on earnings.

Most real estate strategies involve a significant initial cash outlay, but if you want a “safe” business strategy, you’ll be happy to learn that real estate has generated a ton of wealth throughout centuries of civilization.

Our Recommended Business Card for Landlords/Real Estate Agents

The Ink Business Unlimited® Credit Card will give you what you need here, thanks to its ability to earn an unlimited 1.5% cash-back on all business purchases.

If you have an Unlimited Rewards credit card like the Chase Sapphire Preferred® Card, you can convert this 1.5% cash-back into 1.5x points, which is worth around 3% based on our valuations.

Hot Tip: Finding the best credit card to maximize home improvement savings can be elusive. Let us show you how to earn the most rewards on those purchases in our guide to the best credit cards for home improvement purchases.

7. Blogging

Blogging
Image Credit: Rawpixel.com via Shutterstock

Blogging is one of the best ways you can start a small business. If you have a particular interest in an industry, subject, or niche, blogging will help you build your reputation and brand, and it is a fabulous way to get eyes on your content.

Also, blogging is one of the most fun businesses you can start! What better way to build a business than to write about something you are passionate about?

And while there are hundreds of millions of blogs out there, you can absolutely find your niche and start your business with just a Wi-Fi connection and a computer.

Whether you like learning about make-up or are super geeky about consumer electronics, there’s a spot for everybody in the blogosphere.

Our Recommended Business Card for Bloggers

The Capital One® Spark® Miles Select for Business is an awesome introductory rewards card that offers the flexibility of straightforward rewards or a more complex transfer partner ecosystem.

With the CapOne Spark Miles Select card, you will earn unlimited 1.5x miles on all your business credit card purchases with no blackouts, seat restrictions, or minimum to redeem. 

You’ll enjoy other great benefits, such as free employee cards, the ability to assign account managers, fraud alerts, and extended warranty and protection, as well as $0 fraud liability.

8. Personal Chef

Personal chef
Image Credit: JP WALLET via Shutterstock

The personal chef business is booming! After all, it can be very attractive to enjoy a freshly prepared meal from a chef all in the comfort of your home, right?

The convenience is incredible! That’s why personal chefs are in high demand. If you love preparing food and are skilled at curating gastronomic delights, you need to consider starting a business as a personal chef.

It’s easier than ever to find clients, thanks to platforms like HireAChef, Cozymeal, MyTable, TakeAChef, and more.

Our Recommended Business Card for Personal Chefs

As a chef, you’ll probably be spending quite a bit on groceries. There aren’t a lot of business cards that offer bonus categories on groceries, but an incredible personal card is the American Express® Gold Card.

This card earns 4x points at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1x) and also earns 4x points at restaurants, including takeout and delivery.

There are tons of other benefits and perks of the Amex Gold card — we’ve only just scratched the surface!

9. Tour Guide

Tour guide
Image Credit: leungchopan via Shutterstock

Do you enjoy showing people around? If you consider yourself to be an expert in the local area, you might want to consider becoming a tour guide!

Many tour guides don’t travel long and far distances — instead, it’s totally doable to do simple day trip tours and start your business that way.

And if you love the city you live in, leading tours allows you to see other parts of the city you might not have seen before. Plus, it gives you a chance to meet some cool people who love traveling, too!

Whether you’re an independent tour guide or you’re working on a freelance basis for a large company, you’ll want to have a valuable credit card you can use for racking up rewards quickly.

Our Recommended Business Card for Tour Guides

The American Express Blue Business Cash™ Card offers you the ability to earn 2% cash-back on eligible purchases up to $50,000 per calendar year, then 1% thereafter.

This card offers streamlined rewards since the cash-back earned is automatically credited to your statement, plus the ability to get top protections like extended warranty, purchase protection, and potentially even save big with Amex Offers.

The Amex Blue Business Cash card is definitely one of our favorites, especially considering the fact that it doesn’t have an annual fee, gets you access to tons of Amex-exclusive benefits, and earns up to 2% cash-back. 

10. Travel Agency

Travel agent
Image Credit: VGstockstudio via Shutterstock

One of the noblest professions you can have is in travel. Travel connects all corners of the world together and enables people from different cultures to connect, bond over shared values, and learn about new groups of people.

If you enjoy travel and have a blast planning travel, why not make money off of it? Travel agencies craft curated, personalized itineraries that are the hallmarks of incredible vacations.

As a travel agency, you’ll have the opportunity to plan honeymoons, once-in-a-lifetime trips, and much more.

In many situations, you’ll be booking the travel on behalf of your clients, so running your cards through a centralized, consistent portal like Amex Travel can be hugely valuable.

Our Recommended Business Card for Travel Agents

The Business Green Rewards Card from American Express is a fantastic entry-level card that allows you to earn 2x points for each dollar you spend on eligible purchases at Amex Travel.

This includes virtually all major travel expenses, including air, prepaid hotels, prepaid car rentals, vacation packages (flight + hotel packages), and cruise reservations.

The Amex Business Green card confers fantastic perks for a low annual fee, and most importantly, there are no caps to earning 2x points, so you don’t have to worry about hitting any caps with this card. 

11. Personal Shopping

Personal shopper
Image Credit: Pressmaster via Shutterstock

Have you ever heard of personal shoppers? Well, in big cities with lots of concentrated wealth, such as Los Angeles, San Francisco, Dallas, and New York, you can find a lot of people shopping for the ultra-wealthy.

If you love shopping as an activity but don’t like burning a hole in your wallet, starting a personal shopping business is for you. As a personal shopper, you’ll probably be exposed to a whole new realm of consumer goods because the ultra-wealthy shop at some of the most prestigious brands in the world.

Our Recommended Business Card for Personal Shoppers

As you can probably imagine, you’ll need to front quite a sum of money, considering the big-ticket items your clients will be buying. With the Delta SkyMiles® Platinum Business American Express Card, you can earn 1.5 miles per dollar on single eligible purchases over $5,000, up to 50,000 additional miles per calendar year. 

This is called a large transaction bonus, and you’ll probably be using this a lot if you’re a personal shopper.

The Delta Platinum Business card also offers 3 miles per dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels. 

Having this card will also confer some nice benefits when flying on Delta, including Main Cabin 1 Priority Boarding, a companion certificate, your first checked bag free, and more.

Hot Tip: Don’t miss out on credit card bonuses for big-ticket items! Our list of the best rewards credit cards for high-spend and large purchases helps you decide which high spend rewards to strive for and which to ignore.

12. Etsy Seller

Etsy seller
Image Credit: Casimiro PT via Shutterstock

Etsy is one of the fastest-growing e-commerce websites in the world. Focusing mostly on handmade items and crafts, these goods usually include art, bags, craft supplies, clothing, home décor, jewelry, and more.

Etsy’s one of the neatest e-commerce marketplaces out there, and it has become known as a sort of Amazon competitor focused on more “rustic” goods.

If you’re particularly talented at arts and crafts, selling on Etsy can be a hugely profitable business to dig your toes into. It’s super easy to start, and you can end up making a handsome amount of cash for doing something you already enjoy!

Our Recommended Business Card for Etsy Sellers

With the Capital One® Spark® Cash for Business, you’ll get an unlimited 2% cash-back that you can re-invest into your business at any time with no minimums. 

The CapOne Spark Cash card is one of the highest-rated business credit cards with a simple rewards structure. And as an Etsy seller, your business might incur all types of expenses, from supplies to labor. 

13. Restaurant Critic/Reviewer

Restaurant reviewer
Image Credit: insta_photos via Shutterstock

Do you like food but don’t have much talent in the kitchen? It’s ridiculously easy to get started as a restaurant critic or reviewer. All you need is to visit a restaurant, enjoy a meal, and document your experience!

There are tons of platforms you can get started with, but the top choices are Yelp, OpenTable, Google Reviews, Facebook, Tripadvisor, and more.

You can also start your own food blog, which falls more under the blogging business above, but it’s much easier to post a review on Yelp than to build a website and get everything running.

Foodies and travelers are looking for brutally honest reviews in a landscape where reviews can often be bought or are dishonest! If you offer a refreshing perspective on food, you’ll rapidly be on your way to building a solid restaurant critic business.

Our Recommended Business Card for Restaurant Critics/Reviewers

The Delta SkyMiles® Gold Business American Express Card offers the ability to earn an uncapped 2 miles per dollar spent at restaurants, purchases made directly with Delta, U.S. purchases for advertising in select media, and U.S. shipping purchases.

Plus, with the Delta Gold Business card, you can get enhanced perks aboard Delta and enjoy Main Cabin 1 priority boarding and your first checked bag free!

CREDIT CARDCARD INFO
Limited Time Offer

Delta SkyMiles® Gold Business American Express Card


Learn More
(at Amex's secure site)
  • Limited Time Offer: Earn 70,000 bonus miles, and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/2021.
  • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you travel overseas.
  • Good to Excellent Credit Recommended (670-840)
  • Annual Fee: $0 introductory annual fee for the first year, then $99.
  • Terms Apply. For rates and fees of the Delta Gold Business Card, click here.

$700

Hot Tip: Earn more with every purchase at restaurants, including takeout and delivery! Check out our collection of the best credit cards for maximizing your rewards when dining.

Final Thoughts

Starting your own business can often be a daunting endeavor. And with so many new businesses emerging daily, it can almost be overwhelming trying to figure out a starting point.

To learn about the best fit, find a business idea that you would be excellent at that you’d enjoy. Then, take it to the next level by having the best business cards to complement your activity.

We hope you’ve enjoyed this comprehensive guide to help you learn about the best small businesses you can start in today’s age to qualify for a business credit card!


The information regarding the Capital One® Spark® Miles Select for Business, Business Green Rewards Card from American Express, and Capital One® Spark® Cash for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the American Express Blue Business Cash™ Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.


Frequently asked questions

What is the best credit card for small business?

The best credit card for small business is one that suits your specific business needs.

If you spend a lot on advertising, consider the Ink Business Preferred card or the Amex Business Gold card.

If you spend a lot on travel, consider the Amex Business Platinum card or the Amex Business Green card

For more cash-back rewards on all categories, check out the Amex Blue Business Cash card or the CapOne Spark Cash card

How do I get a business credit card for my business?

It’s easy to get a business credit card for your business. All you have to do is find a credit card that suits your business needs. Then, fill out the application online or over the phone. If you’re approved, you should get your new credit card in the mail in a week or 2!

Should I get a credit card for my LLC?

Getting a credit card for your LLC is often a wise choice because you could get in trouble if you’re mixing your business and personal expenses.

With a business credit card, you can specifically set aside a credit card for your business expenses and need.

Can anyone get a business credit card?

Anybody with a qualifying business can get a business credit card!

Even as a new business just starting out without having made any revenue yet, you can get a business credit card because many banks are committing to helping small business owners grow.

What is the best business credit card for rewards?

The best business credit card for rewards will depend on your spending categories. If you spend a lot on office supplies, the Ink Business Cash card is a no-brainer.

If you make a lot of miscellaneous purchases, the Ink Business Unlimited card, CapOne Spark Miles card, and the Amex Blue Business Plus card can’t be beaten.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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