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13 Businesses You Can Start To Get a Business Credit Card [2024]

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Stephen Au
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Stephen Au

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
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Keri Stooksbury

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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.

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 AmexTravel.com.

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.

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms 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 in's and out's 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!

Learn More(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!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

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

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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.

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.

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):

  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

If you’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!

BEST FOR BONUSES
American Express® Business Gold CardTerms 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 in's and out's 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).

Learn More(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).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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

  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! 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
  • Purchase protection and extended warranty protection
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Financial Snapshot

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

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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!

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!

The Blue Business® Plus Credit Card from American ExpressTerms 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 in's and out's 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.

Learn More(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.
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
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

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

  • 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
  • Charges foreign transaction fees
  • 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® 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.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% 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.

Card Categories

Rewards Center

American Express Membership Rewards

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.

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.

NEW OFFER
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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

  • 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
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage

Cons

  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Financial Snapshot

  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

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.

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.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

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.

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.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

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.

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 Capital One 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 on unauthorized charges.

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.

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, plus takeout and delivery in the U.S.

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

American Express® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees)
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners

Cons

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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.

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.

The American Express Blue Business Cash™ CardTerms 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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(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 year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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

  • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
  • No annual fee
  • Travel and purchase protection

Cons

  • Not ideal for those who spend a lot on a specific category like groceries or gas
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

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 AmexTravel.com can be hugely valuable.

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 AmexTravel.com.

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 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.

Learn More(at Amex's secure site)All information about Business Green Rewards Card from American Express has been collected independently by Upgraded Points.

Business Green Rewards Card from American Express

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.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
15,000 points
$0 introductory annual fee for the first year, then $95

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 


Most people recognize the Business Green Rewards Card from American Express by sight due to its classic green design. Many of you have probably carried that card yourself at one time.

But did you know the familiar Green Card is available for your small business too?

The Amex Business Green card gives you the same great benefits of the personal card with added benefits for business owners!

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
  • Earn 2x for each dollar you spend on eligible purchases at amextravel.com
  • Earn 1x for each dollar you spend on eligible purchases
  • $0 introductory annual fee for the first year, then $95
  • Terms Apply

Financial Snapshot

  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

Rewards Center

American Express Membership Rewards

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.

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.

Delta SkyMiles® Platinum Business American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Platinum Business American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Learn More(at Amex's secure site)

Delta SkyMiles® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
65,000 Bonus Miles
$780
$350
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card is your go-to credit card.

You like knowing you’re earning 3x SkyMiles per dollar for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag for each flight only sweeten the deal (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros

  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • 3x SkyMiles per $1 spent on Delta and hotel purchases
  • 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to 50,000 additional SkyMiles per calendar year
  • 1x SkyMile per $1 on all other purchases
  • Main Cabin 1 Priority Boarding
  • 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 $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • First checked bag free
  • Annual companion certificate
  • 20% discount on inflight purchases
  • Global Entry or TSA PreCheck application fee statement credit
  • Trip delay insurance
  • Baggage insurance
  • Rental car insurance
  • Purchase protection and extended warranty coverage
  • $120 Resy Credit (up to $10 per month in statement credits) on eligible purchases with your card
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024, to be eligible to receive a complimentary upgrade.
  • Annual statement credit of up to $200 after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Cons

  • $350 annual fee (rates & fees)
  • Does not earn transferable rewards
  • Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • 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 $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

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!

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 Capital One 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.

The Delta SkyMiles® Gold Business American Express Card offers the ability to earn 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. 2x earnings on U.S. purchases for advertising in select media and U.S. shipping purchases are capped at $50,000 in eligible purchases per category, per year.

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!

Delta SkyMiles® Gold Business American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Gold Business American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 2x SkyMiles on Delta purchases, priority boarding, a free checked bag, and discounted award flights.

Learn More(at Amex's secure site)

Delta SkyMiles® Gold Business American Express Card

Receive 2x SkyMiles on Delta purchases, priority boarding, a free checked bag, and discounted award flights.
Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
55,000 Bonus Miles
$660
$0 introductory annual fee for the first year, then $150
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If Delta Air Lines is your first choice for business travel, and you’re always looking for more ways to earn Delta SkyMiles, this could be a great card option.

Being able to board the plane early and check your bag for free makes all the difference for a smooth flight. Plus, getting discounts on inflight purchases keeps money in your pocket and your small business.

It’s for those reasons and more that you choose to make purchases with the Delta SkyMiles® Gold Business American Express Card.

Pros

  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • 2x SkyMiles per $1 on purchases made directly with Delta and at restaurants
  • 2x SkyMiles per $1 on U.S. purchases for advertising in select media and on U.S. shipping purchases on up to $50,000 in eligible purchases per category, per year.
  • Receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Receive an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • 1x SkyMile per $1 on all other purchases
  • First checked bag free
  • Main Cabin 1 Priority Boarding
  • 20% inflight savings
  • Baggage insurance
  • Rental car insurance
  • Purchase protection
  • Extended warranty coverage

Cons

  • Doesn’t earn transferable rewards
  • Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
  • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Frequent Flyer Program

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 was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Business Green Rewards Card from American Express 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 Capital One 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, Capital One Spark Miles card, and the Amex Blue Business Plus card can’t be beaten.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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