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    The 6 Best Business Credit Cards for Dentists [September 2023]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    To figure out the best business credit cards for your dental practice, you need to first determine how you can earn the most rewards and benefits!

    While dentistry clinic costs run the gamut of categories, they’re concentrated on:

    1. Payroll
    2. Laboratory fees, drugs, supplies, and other medical expenses
    3. Office supplies, utilities, and rent
    4. Insurance
    5. Advertising and marketing

    Expenses #1, #2, and #4 don’t really have any special bonus categories from different credit cards, so there’s not a whole lot of optimization that can be had here.

    However, office supplies and advertising are 2 optimizable expenses that we should be focusing on. So in this guide, we’ll walk you through our favorite credit cards that offer bonus rewards on office supplies, advertising, and non-bonused expenses.

    Top Cards (Quick Picks)

    CardWelcome Bonus and Annual FeeBenefits for Dentists
    The Business Platinum Card® from American Express
    • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
    • Annual fee of $695 (Rates & Fees)
    • 1.5x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
    • No preset spending limit
    • Access to over 1,400 worldwide lounges, including Amex Centurion Lounge and Priority Pass (upon enrollment)
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    Ink Business Unlimited® Credit Card
    • NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases in the first 3 months.
    • Annual fee of $0
    • 1.5% cash-back on all purchases
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Rewards can be converted to Ultimate Rewards points
    • No-fee employee cards
    American Express® Business Gold Card
    • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
    • Annual fee of $295 (Rates & Fees)
    • 4x Membership Rewards points on the 2 select categories where your business spent the most each month
    • No preset spending limit
    Ink Business Cash® Credit Card
    • NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases in the first 3 months.
    • Annual fee of $0
    • 5% cash-back at office supply stores and on internet, cable, and phone services (up to $25,000 in combined purchases every account anniversary year)
    • 2% cash-back at gas stations and restaurants (up to $25,000 in combined purchases every account anniversary year)
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • No-fee employee cards
    • Purchase protection
    Ink Business Preferred® Credit Card
    • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
    • Annual fee of $95
    • 3x Ultimate Rewards points per $1 spent on travel and select business categories (up to $150,000 every account anniversary year)
    • Cell phone protection
    • Travel insurance
    • No-fee employee cards

    The 3 Best Overall Business Credit Cards for Dentists

    1. The Business Platinum Card® from American Express (Best for Airport Lounge Access)

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (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% - 27.49% 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.)

    Starting with a bang, the Amex Business Platinum card is the card to get if you’re a dentist. And to be honest, this card reigns superior to almost every business credit card out there. Remember that you’ll also earn 5x points on flights and prepaid hotels at Amex Travel.

    This card is probably the best business card in existence, and we’ve barely scratched the surface of its benefits.

    As far as travel benefits go, you’ll enjoy the most impressive lounge access possible from a single card, collectively known as the American Express Global Lounge Collection, and this includes:

    • Centurion Lounges
    • Delta Sky Clubs (when flying on a same-day Delta flight)
    • Escape Lounges — The Centurion Studio Partner
    • International American Express Centurion Lounges
    • Plaza Premium Lounges
    • Priority Pass lounges
    • Select Lufthansa Lounges (when flying on a same-day Lufthansa flight)
    • Select Virgin Clubhouse Lounges

    We’re just getting started because you’ll also get Hilton Honors and Marriott Bonvoy Gold status upon enrollment, access to the famous Fine Hotels & Resorts program, a Global Entry/TSA PreCheck application fee credit, a $200 airline fee credit every calendar year, a 35% Pay with Points rebate on flights (up to 1,000,000 points back per calendar year), and more.

    You’ll also get several non-travel benefits, such as up to $400 in statement credits for U.S. purchases with Dell and up to $360 in Indeed credits, $150 in Adobe credits, $120 in wireless credits, and $189 in CLEAR credit to extract even more value here.

    The card earns 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). The large spending bonus can come in handy if you tend to make purchases of $5,000 or more.

    This card doesn’t come with a preset spending limit, so your monthly spending isn’t constrained by a normal credit limit you’d find from a credit card. If Amex thinks you have the ability to pay your bills, it may extend to you much more credit to help you operate your business.

    2. Ink Business Unlimited® Credit Card (No Annual Fee, LOW Intro APR)

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 Cash® 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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $900
    $900
    $0
    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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
    • 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.
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Our next-best credit card is the Ink Business Unlimited card for 1 very simple reason: the vast majority of a dentist’s expenses will be non-bonused purchases, so the bulk of your rewards will come from these non-bonused categories.

    The Ink Business Unlimited card offers an unfussy and uncapped earning structure whereby you can get unlimited 1.5% cash-back on any purchase you make. You don’t need to pay attention to any bonus categories — just swipe your card, and you’ll be confident that you’ll earn 1.5% cash-back.

    This card also comes with an awesome welcome bonus and no annual fee!

    It’s hard to beat the rewards you’d earn from this, but one of the ways to do it is to couple your rewards with an Ultimate Rewards credit card like the Chase Sapphire Preferred® Card that would allow you to instead earn 1.5x points per dollar spent.

    Since we value Ultimate Rewards points to be 2 cents each, this simple conversion from cash-back to Ultimate Rewards points results in doubling your return on spending!

    Having uncapped rewards is essential because a dentistry office will probably have large overhead costs!

    The Ink Business Unlimited card also offers 0% introductory APR as an added benefit, plus zero liability protection, employee cards for no fee, primary rental car collision damage coverage, purchase protection, and extended warranty protection.

    3. American Express® Business Gold Card (Best for Earning Points)

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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
    $295
    19.49% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (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.

    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.)

    Pros

    • 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
      • 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
    • 25% airline bonus when using Pay With Points
    • Access to Amex’s The Hotel Collection
    • Purchase protection and extended warranty protection
    • Trip delay insurance
    • Car rental insurance

    Cons

    • $295 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.*
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
    • *Terms Apply

    Financial Snapshot

    • APR: 19.49% - 27.49% 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.)

    The Amex Business Gold card is yet another top pick. It’s the “1 level down” from the Amex Business Platinum card, but it has a totally different place when it comes to the best Amex credit cards!

    Starting with a nice welcome bonus, this card focuses almost entirely on rewarding large business spending, instead of travel benefits.

    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):

    • 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

    Whether you’re marketing your business, traveling to dental conferences, or paying for business software, the Amex Business Gold card has you covered. If you were able to take advantage of the entire $150,000 in bonused spending, you’d earn 600,000 points. After that, you’d earn 1 point per dollar.

    Best of all, you don’t even need to select the top 2 business categories every month — it’s done automatically for you.

    Indeed, you won’t get lounge access benefits with this card, but you will still get the ability to add 99 total employee cards with no annual fee after the first employee card ($50 annual fee), and no preset spending limit (rates and fees).

    The last benefit can be crucial if you have lumpy expenses from running your dental office, which, as you know, can happen quite often. The last thing you need is the inability to make essential purchases just because you maxed out a credit card.

    3 Alternative Business Credit Cards for Dentists

    We stand by our top 3 recommendations of the best business credit cards for dentists. But if you wanted to simply consider all the options and you love having more choices, then the next section is for you.

    In this next section, we’ll walk you through some of the non-intuitive picks for business credit cards that actually make sense for some cohorts of dentists.

    Although they’re probably not superb fits like the 3 cards above, you might still find value in learning about the top 3 alternative business credit cards for dentists.

    1. Ink Business Cash® Credit Card (No Annual Fee, LOW Intro APR)

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    $900
    $900
    $0
    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
    • 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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
    • 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.
    • 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

    The Ink Business Cash card is at the top of our alternatives list, thanks to a unique bonus structure that dentists will find useful.

    This no-annual-fee credit card comes with the ability to earn up to 5% cash-back (on up to $25,000 in combined purchases) on office supply stores and cellular phone, landline, internet, and cable TV services.

    This is an incredible value proposition you should be able to easily max out as a dental office owner.

    You can also earn 2% cash-back (on up to $25,000 in combined purchases) on gas stations and restaurants.

    Everywhere else, you’ll earn 1% cash-back.

    But what’s extra appealing is that you can convert your cash-back to Ultimate Rewards points at a 1:1 ratio (1% cash-back to 1x Ultimate Rewards points) if you have one of the best Chase credit cards such as the Chase Sapphire Preferred card.

    The Ink Business Cash card also offers unlimited employee cards for no additional fee, primary rental car insurance, travel coverages, and purchase protection.

    3. Ink Business Preferred® Credit Card

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 100,000 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 Ultimate Rewards.
    100,000 points
    $2,000
    $95
    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 Ultimate Rewards®
    • 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 Ultimate Rewards®
    • 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

    The Ink Business Preferred card is the last card choice we’ll be outlining. Normally, it’s one of the best business credit cards out there, and it’s known to be the king of business credit cards.

    You’ll start with a low annual fee of $95, and 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. Lastly, you’ll earn 5x points per dollar on Lyft purchases through March 2025.

    The major bonus category that could be relevant to a dentist would be advertising, and even then, a well-known dentist may not always buy ads!

    If you happen to be spending a significant sum of money on these categories, the Ink Business Preferred card could be a great fit for you.

    This card is an Ultimate Rewards card, which means that your 3x points are equal to approximately 6% return on spend.

    This card also offers cell phone protection insurance if you break or damage your cell phone or if it’s stolen. This coverage is worth up to $1,500 per year in the form of 3 claims every rolling 12 months, $600 in coverage limits per claim, and a $100 deductible per claim ($500 per claim in net payouts).

    The Ink Business Preferred card also delivers purchase protection, extended warranty coverage, no foreign transaction fees, and travel insurance (including primary rental car coverage).

    3. The Blue Business® Plus Credit Card from American Express

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
    N/A
    N/A
    $0
    $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 at 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 (670-840)

    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
    • 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: 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. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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    Rewards Center

    American Express Membership Rewards

    The Amex Blue Business Plus card is an amazing business credit card overall, with cardholders having the ability to earn 2x points on everyday business purchases, up to $50,000 in total purchases per calendar year. After that, you’ll earn 1x points.

    The card also comes with a 0% introductory APR benefit (as shown in the table above) you might utilize to save on interest fees with any carried balances.

    The only downside to this card is that with a $50,000 yearly purchase limit for 2x points, dentists operating their own offices will probably meet that cap very quickly. Other than that, it is a fantastic business credit card.

    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 American Express Blue Business Cash™ Card, click here.

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