The 7 Best Business Credit Cards in December 2023

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Top Picks (Quick Summary)
Business Card | Welcome Offer & Annual Fee | Main Benefits |
American Express® Business Gold Card |
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Ink Business Preferred® Credit Card |
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The Business Platinum Card® from American Express |
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Ink Business Cash® Credit Card |
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Ink Business Unlimited® Credit Card |
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1. American Express® Business Gold Card (Top Pick, Best for Earning Lots of Points)
✅ Our Pick for Flexible Bonus Categories

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).
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).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
- $295 ($375 if application is received on or after 2/1/24) 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
- Amex Business Gold 110k Welcome Bonus Offer
- Benefits of the Amex Business Gold
- Amex Business Rose Gold Card
- Amex Business Gold Walmart+ Credit
- Amex Business Gold vs. Amex Plum
- Amex Business Gold vs. Amex Gold
- Best American Express Business Credit Cards
- Best Business Credit Card for Advertising
- Best Business Credit Cards for Shipping Purchases
- Best Business Credit Cards for Gas
- High Limit Business Credit Cards
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 an excellent choice if you’re looking to maximize the number of points you earn through your business spending. This card is a powerhouse when it comes to earning Membership Rewards points thanks to its flexible bonus categories that adjust automatically.
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)
2. Ink Business Preferred® Credit Card (Best Value Business Card)
✅ Our Pick for Best Overall Business Credit Card, Best for Flexible Bonus Categories

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.
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.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
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
- Credit Card Reviews
- Business Credit Cards
- Credit Cards
- Travel Rewards Credit Cards
- Best Sign Up Bonuses
Rewards Center
- The Chase Ink Business Preferred 100k Bonus Offer
- Benefits of the Ink Business Preferred
- Chase Ink Business Preferred Cell Phone Protection
- Chase Ink Business Preferred vs Amex Business Gold
- Ink Business Cash vs Ink Business Preferred
- Amex Business Platinum vs. Chase Ink Business Preferred
- Ink Business Preferred vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Card for Advertising
- High Limit Business Credit Cards
- Best Credit Cards with Travel Insurance
- Best Credit Cards for Car Rental Insurance
The Ink Business Preferred card is the most appealing for businesses that travel frequently. Plus, its broad range of bonus earning categories is likely to pair nicely with your business’ spending patterns.
You’ll earn 3x points per $1 spent (up to $150,000 per year) in the following bonus categories:
- Advertising on social media and search engines (e.g. Google Ads, Bing Ads, Facebook Ads)
- Travel
- Shipping
- Internet, cable, and phone services
For example, if you spent $50,000 per year in those bonus categories you’d earn 150,000 Chase Ultimate Rewards points. That’s worth $1,875 when you use Chase’s travel portal to book flights, hotels, etc. Or you can get even more value from your points by transferring them to airline and hotel partners!
3. The Business Platinum Card® from American Express (Best for Lounge Access)
✅ Our Pick for Premium Perks, Travel Rewards, and Best Card for Airport Lounge Access

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!
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!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
- Find The Amex Business Platinum 150k Welcome Bonus Offer
- Find The Amex Business Platinum 170k Welcome Bonus Offer
- Benefits of the Amex Business Platinum
- Authorized Users Benefits of the Amex Business Platinum
- 35% Points Rebate with the Amex Business Platinum
- Amex Business Platinum vs Amex Platinum
- Amex Platinum and Business Platinum Lounge Access
- Best American Express Business Credit Cards
- Best Business Credit Card for Advertising
- Best Credit Cards for Airport Lounge Access
- Best Credit Cards with Priority Access
- Best Credit Cards with Travel Insurance
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.)
The elite Amex Business Platinum card is a clear leader if your business requires a lot of travel and you’re looking to get access to travel perks and benefits.
With this card, you’ll earn 5x Membership Rewards points on flights and prepaid hotels booked through Amex Travel, 1.5x points 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), and 1 point per dollar on all other purchases.
Although the annual fee is steep, you’ll find the Amex Business Platinum card has plenty of benefits that more than offset the fee. Here are just some of this card’s perks:
- Worldwide lounge access to 1,400+ airport lounges, including the luxurious Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, and more
- Up to $400 annual Dell credit
- Global Entry or TSA PreCheck application fee credit
- Gold Elite status with Marriott and Hilton, upon enrollment
4. Ink Business Cash® Credit Card (Best No Annual Fee + Low Intro APR)
✅ Our Pick for Cash-back Bonus Categories, No Annual Fee

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.
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.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
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 Ink Business Cash $900 Welcome Bonus Offer
- Benefits of the Chase Ink Business Cash
- Ink Business Cash vs Ink Business Preferred
- Ink Business Cash vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Cards with No Annual Fee
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
With 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, the Ink Business Cash card is a great no-annual-fee option that earns lots of cash-back with these great bonus categories:
Earn 5% cash-back (up to $25,000 in combined purchases):
- Office supply stores
- Internet, cable, and phone services
Earn 2% cash-back (up to $25,000 in combined purchases):
- Gas stations
- Restaurants
Plus you’ll earn 1% cash-back on all of your other purchases.
If you also have a premium Chase Ultimate Rewards credit card (one that charges an annual fee) you can turn your cash-back into Ultimate Rewards points that can then be transferred to hotel and airline partners for maximum value.
Hot Tip: Many new businesses spend a lot on phone expenses, internet service, and office supplies, so having a business credit card such as the Ink Business Cash card that gives 5% cash-back in these categories could make it a good choice for a start-up business.
5. Ink Business Unlimited® Credit Card (No Annual Fee, Low Intro APR)
✅ Our Pick for Flat-rate Cash-back, No Annual Fee

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.
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.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 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
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
If you’re looking for simplicity, the Ink Business Unlimited card may be just right for you. This card earns a flat 1.5% cash-back on all purchases without having to worry about bonus categories or earning limits.
Additionally, enjoy 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter.
Ink Business Unlimited cardholders who also hold a premium Ultimate Rewards credit card can combine the points earned from their cards and transfer them to the Chase airline and hotel partners.
6. The American Express Blue Business Cash™ Card
✅ Our Pick for Flat-rate, Cash-back

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.
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.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
The Amex Blue Business Cash card offers a simple way to earn cash-back for every purchase you make. For the first $50,000 you spend per calendar year, you’ll earn 2% cash-back. After that, you’ll earn 1% cash-back.
7. The Blue Business® Plus Credit Card from American Express

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.
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.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
✅ Our Pick for Flat-rate Earning
The Amex Blue Business Plus card is a great option that offers simple, flat-rate points earning. With this card, you’ll be earning valuable Membership Rewards points that can be transferred to hotel and airline partners for maximum value.
You’ll earn 2x points per dollar spent (up to $50,000 per year). After you hit the $50,000 threshold, you’ll earn 1x point per dollar.
Plus, you’ll be able to get additional employee cards at no cost and you’ll be able to earn points on all of their purchases in addition to your own (rates & fees).
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.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.