Best Rewards Business Cards of November 2023


Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Capital One Spark Cash Plus†, Capital One Spark Miles for Business†, Capital One 1% Classic†, United Club℠ Business Card, AAdvantage® Aviator® World Elite Business Mastercard®, Alaska Airlines Business Credit Card, Wyndham Rewards® Earner Business Card. The details for these products have not been reviewed or provided by the issuer.

Opening a rewards credit card for your business spending is a smart move, whether you want to earn cash back to put back into your small business, or rack up points and miles to redeem for travel down the road. You don’t even need to own a full-time business or have an LLC to qualify for a small-business credit card; even side gigs like Lyft driving, delivering for Instacart, operating an Airbnb, running a blog, or freelancing can make you eligible.

The list of best business credit cards is long, with an option for every type of venture, and the best of these earn valuable rewards and come with compelling benefits that can make running your business easier. 

Here are the best business rewards credit cards on the market.

Best Rewards Business Cards of 2023

Compare the Best Business Rewards Credit Cards


Best flat-rate cash back with no annual fee

The American Express Blue Business Cash™ Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.2/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.


Intro APR

0% intro APR on purchases for 12 months from account opening


Regular APR

18.49% – 26.49% Variable

Earn a $250 statement credit


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good choice for earning 2% cash back on all your eligible purchases up to $50,000 a year
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
Cons

  • con icon Two crossed lines that form an ‘X’. If your business spends more than $50,000 a year, you’ll want to use a different card to earn bonus cash back once you meet that threshold


Product Details

  • 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

Ink Business Unlimited® Credit Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.25/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn unlimited 1.5% cash back on purchases.


Intro APR

0% intro APR on purchases for the first 12 months


Regular APR

18.49% – 24.49% Variable

Earn $900 bonus cash back


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
Cons

  • con icon Two crossed lines that form an ‘X’. You can earn more cash back on some purchases with a card that has bonus categories


Product Details

  • 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


Best no-annual-fee card with up to 5% cash back

Ink Business Cash® Credit Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.55/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

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.


Intro APR

0% intro APR on purchases for the first 12 months


Regular APR

18.49% – 24.49% Variable

Earn $900 bonus cash back


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons

  • con icon Two crossed lines that form an ‘X’. Annual cap on bonus categories


Product Details

  • 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


Best no-annual-fee cash back card with an intro 0% APR

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 1-5% cash back on purchases.


Intro APR

0% intro APR on purchases and balance transfers for 15 billing cycles


Regular APR

19.24% – 28.24% Variable


Recommended Credit

Excellent/Good

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong welcome bonus and bonus categories for a no-annual-fee card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Introductory 0% APR on both purchases and balance transfers for 15 billing cycles
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. World Elite Mastercard benefits including cell phone protection
Cons

  • con icon Two crossed lines that form an ‘X’. Foreign transaction fees
  • con icon Two crossed lines that form an ‘X’. Relatively high minimum spending requirement to unlock bonus
  • con icon Two crossed lines that form an ‘X’. Authorized user purchases don’t count toward minimum spending requirement


Best cash-back card for big spenders

Capital One Spark Cash Plus†

Capital One Capital One Spark Cash Plus†

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.9/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn unlimited 2-5% cash back on purchases.


Recommended Credit

Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Potential to earn $1,200 in cash back from the welcome bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong 2% cash back rate on all purchases and no limits to the rewards you can earn
Cons

  • con icon Two crossed lines that form an ‘X’. Annual $150 annual fee refund has a very high spending requirement
  • con icon Two crossed lines that form an ‘X’. Relatively high annual fee
  • con icon Two crossed lines that form an ‘X’. Because it’s a charge card, you must pay off your balance in full each month


Best for earning travel points with no annual fee

The Blue Business® Plus Credit Card from American Express

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1x Membership Rewards® Points on all other purchases.


Intro APR

0% intro APR on purchases for the first 12 months from account opening


Regular APR

18.49% – 26.49% Variable

Earn 15,000 Membership Rewards® points


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. The rare no-annual-fee card to earn Amex Membership Rewards points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid earning rate on the first $50,000 in purchases each year
Cons

  • con icon Two crossed lines that form an ‘X’. For spending above $50,000 each year, you will only earn 1 point per dollar


Product Details

  • 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


Best overall travel rewards card

Ink Business Preferred® Credit Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.5/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

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.


Regular APR

21.24% – 26.24% Variable


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
Cons

  • con icon Two crossed lines that form an ‘X’. Welcome bonus has a very high minimum spending requirement


Product Details

  • 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


Best beginner travel rewards card

Capital One Spark Miles for Business†

Capital One Capital One Spark Miles for Business†

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.


Annual Fee

$95, waived the first year


Regular APR

26.24% Variable


Recommended Credit

Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
Cons

  • con icon Two crossed lines that form an ‘X’. Not many extra benefits


Best travel rewards card with luxury perks

The Business Platinum Card® from American Express

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.5/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.


Regular APR

19.49% – 27.49% Variable

Earn 120,000 Membership Rewards® points


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you’ll find on any other business credit card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services
Cons

  • con icon Two crossed lines that form an ‘X’. Very high annual fee
  • con icon Two crossed lines that form an ‘X’. Limited opportunities to earn bonus points
  • con icon Two crossed lines that form an ‘X’. Annual statement credits won’t be useful for everyone


Product Details

  • 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.


Best for automatically maximizing rewards

American Express® Business Gold Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.


Annual Fee

$295 ($375 if application is received on or after 2/1/24)


Regular APR

19.49% – 27.49% Variable

Earn 70,000 Membership Rewards® points


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 25% points rebate when you use rewards to book an eligible flight through Amex Travel
Cons

  • con icon Two crossed lines that form an ‘X’. High annual fee


Product Details

  • 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. Now choose from Gold or Rose Gold.
  • *Terms Apply


Airline business credit card

United℠ Business Card

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.2/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.


Annual Fee

$0 intro for the first year, then $99


Regular APR

21.74% – 28.74% Variable


Recommended Credit

Good to Excellent

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid travel benefits with United, including a free checked bag and priority boarding
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual United travel credit is relatively easy to earn
Cons

  • con icon Two crossed lines that form an ‘X’. Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card


Product Details

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Member FDIC

Compare the Best Business Rewards Credit Cards

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Earn $900 bonus cash back

Earn unlimited 1.5% cash back on purchases.

Earn $900 bonus cash back

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.

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.

$95, waived the first year

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

$0 intro for the first year, then $99

Business Rewards Credit Cards Frequently Asked Questions

You can qualify for a business credit card without a multi-million-dollar corporation or even a full-time venture. Freelance or part-time businesses where you’re the sole proprietor are eligible, too, like driving for Lyft, reselling merchandise online, or providing paid childcare. Small-business owners who aren’t sole proprietors (like those with LLCs or even larger businesses) are eligible for small-business cards as well, but you be asked to include your Employer Identification Number (EIN) on your credit card application as well as your Social Security Number.

The best business rewards card depends on things like your goals and spending habits. If you’re new to rewards business credit cards, you can’t go wrong with a no-annual-fee cash-back card like the Ink Business Unlimited® Credit Card or The American Express Blue Business Cash™ Card if you’re looking for the best combination of simplicity and value.

You should get a business credit card to keep your business and personal expenses separate. Opening and using a small-business card for your business expenses can help keep you organized, and taking advantage of specific small-business tools these cards offer can make your life easier as well — particularly during tax time.

Business Rewards Credit Card Reviews

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is one of the best 2% cash back credit cards. It’s an excellent choice for business owners who want high reward rates, but don’t want to keep track of bonus categories for different types of purchases.

The American Express Blue Business Cash™ Card offers an excellent cash-back rate — 2% cash back on all purchases on the first $50,000 spent each calendar year (then 1% back). Your cash back is received in the form of Reward Dollars. The card is currently offering $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.

There’s also a 0% intro APR on purchases for 12 months from account opening (then a 18.49% – 26.49% Variable APR) that can help you save some money on interest if you have large purchases on the horizon.

Cardholders get access to a suite of small-business tools and features, including access to the American Express business app, which can help you scan and organize receipts and export expense reports. Employee cards are free to add, and you can easily set up spending limits. You’ll also receive a decent range of benefits, like purchase protection, extended warranty, car rental insurance, and access to discounts through Amex Offers**.

Amex Blue Business Cash card review

Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is a great pick if you want a no-annual-fee card that earns unlimited 1.5% cash back on all purchases, with no spending caps or fussy bonus categories. Plus, it comes with an excellent welcome bonus offer.

The Ink Business Unlimited® Credit Card starts new cardholders off with one of the highest welcome bonuses of any no-annual-fee small-business card: $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Even though it’s marketed as a cash-back card, you’ll actually earn rewards in the form of Chase Ultimate Rewards® points, which are worth 1 cent each toward statement credits, gift cards, or travel booked through Chase.

Your rewards become more valuable if you also have an annual-fee Chase card, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. That’s because you can combine your points into one of these accounts, then transfer them to Chase’s airline and hotel partners to book award travel at potentially a much higher value.

New cardholders receive a 0% intro APR on purchases for the first 12 months (then a 18.49% – 24.49% Variable APR). In addition, you’ll get access to excellent benefits, including roadside dispatch, account management tools, and travel emergency assistance.

Chase Ink Business Unlimited credit card review

Ink Business Cash® Credit Card

The Ink Business Cash could help you earn maximum cash back on your expenses if your business spends a lot in eligible categories. With a big welcome bonus offer and up to 5% cash back on spending, this is an excellent no-annual-fee option.

Like the Ink Business Unlimited® Credit Card, the no-annual-fee Ink Business Cash earns rewards in the form of Chase Ultimate Rewards points and comes with a strong welcome bonus offer: $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. However, instead of flat-rate cash back on all purchases, the card earns bonus rewards in certain categories:

  • 5% cash back (5 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
  • 2% cash back (2 points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1 point per dollar) on all other purchases with no cap

This card won’t make sense if your business doesn’t spend much at office supply stores, gas stations, restaurants, or on cable, internet, and phone services. But if you do, the Ink Business Cash has the potential to be very rewarding. That’s why it’s on our list of the best 5% cash back credit cards.

There’s also a 0% intro APR on purchases for the first 12 months (then a 18.49% – 24.49% Variable APR) which can help you save money if your business has large purchases to make that can’t be paid off all at once. You’ll also get access to business management tools and benefits like purchase protection, extended warranty, and roadside dispatch.

Chase Ink Business Cash credit card review

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard checks all the boxes for anyone who wants to earn rewards and get a generous intro APR on purchases and balance transfers. It comes with a substantial welcome bonus, too.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a rare combination of solid earning, a generous bonus, and a long intro APR on purchases and balance transfers — all with no annual fee. The welcome bonus offer is an excellent deal, but just be aware authorized user purchases won’t count toward the minimum spending requirement, which isn’t the case on most other cards.

This card earns 5% cash back on prepaid hotels and car rentals booked through the U.S. Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases. Again, if these bonus categories match your typical business expenses, you could do very well with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard also has a 0% intro APR on purchases and balance transfers for 15 billing cycles (then a 19.24% – 28.24% Variable APR). This is a terrific option for folks looking to pay down credit card debt without incurring higher interest or pay off larger purchases (such as computers and other tech. equipment) over multiple billing cycles. 

Cardholders can also receive an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks, which is a nice deal for a no-annual-fee card. Other benefits include World Elite Mastercard benefits and access to Rewards Center Earn Mall. 

U.S. Bank Triple Cash Rewards card review

Capital One Spark Cash Plus†

The Capital One Spark Cash Plus† could be a great fit if your business needs the flexibility of no preset spending limit and spends enough to justify paying an annual fee in exchange for 2% cash back with no limits. Plus, cardholders can now earn unlimited 5% cash back on hotel and rental car bookings through Capital One Travel. 

The Capital One Spark Cash Plus† earns 5% back on travel bookings and 2% back on all other purchases (no caps or limitations). Although the card has a $150 annual fee, there’s no limit to earning 2% back on everything. 

The welcome bonus is particularly compelling for high-spending businesses: $1,200 cash bonus after spending $30,000 in the first three months from account opening. And, because it’s a charge card, there’s no preset spending limit, giving you some flexibility if you have a particularly large expense to charge. There’s no APR because you need to pay your balance off in full each month (otherwise, a 2.99% monthly late fee applies).

Big spenders can also be rewarded with an annual spending bonus: Each year when you spend $150,000 or more on your card, you’ll earn a $150 cash bonus. That’s in addition to built-in perks like extended warranty***, car rental insurance***, roadside assistance***, and travel emergency assistance services***.

Capital One Spark Cash Plus card review

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is one of the few no-annual-fee cards that earn flexible travel points, and it’s a particularly good option right now with a strong welcome bonus offer of 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. It also offers up to 2 points per dollar earning across the board.

If earning valuable Amex Membership Rewards points is part of your travel strategy, The Blue Business® Plus Credit Card from American Express should be on your radar. It earns a generous 2 points per dollar on all purchases, on up to $50,000 in spending per year (then 1x). This makes the card ideal for businesses that don’t spend much past that threshold.

Beyond the welcome bonus of 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership, cardholders can expect a few solid benefits from the card, like purchase protection, extended warranty, car rental insurance, and small-business management tools. This card is also part of the Amex Trifecta — a trio of cards that can help you earn 2x to 5x Amex points on every single purchase you make. 

Amex Blue Business Plus credit card review

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card should be on your shortlist if you like earning flexible travel points and don’t mind paying a modest annual fee. With a massive welcome bonus offer, great earning categories, and top-notch benefits, this card is hard to beat.

The Ink Business Preferred® Credit Card is ideal for small-business owners who spend a lot in popular business categories, especially for those who like to maximize their rewards by redeeming them for travel. The card starts you off with a huge welcome bonus of Earn 100,000 points after spending $8,000 on purchases in the first three months from account opening. That’s potentially worth $1,800 in travel (based on Insider’s valuation of Chase points) when you transfer points to Chase’s airline and hotel partners and book award travel.

Cardholders earn 3 points per dollar on up to $150,000 in combined spending each year (then 1 point per dollar) on:

  • Shipping purchases
  • Advertising purchases on social media sites and search engines
  • Internet, cable, and phone services
  • Travel (including airfare, hotels, rental cars, and more)

All other purchases earn 1 point per dollar. If these categories are typical expenses for your business, you could take home a huge haul of rewards from this card each year.

One downside: The Ink Business Preferred® Credit Card doesn’t offer an introductory 0% APR. That said, it comes with plenty of other benefits that can potentially save you money, including cell phone protection, trip cancellation/interruption insurance, extended warranty, and purchase protection.

Chase Ink Business Preferred card review

Capital One Spark Miles for Business†

The Capital One Spark Miles for Business† earns unlimited 2x miles on all purchases and offers a welcome bonus worth at least $500 in travel. Its rewards are simple to use toward travel purchases, but you can unlock even more value by transferring miles to airline and hotel partners.

If you’re looking for a straightforward travel credit card with a rewards program that’s as simple as they come, the Capital One Spark Miles for Business† is an excellent option. Along with a strong welcome bonus offer, the card earns 2x miles on all purchases (except hotels and rental cars booked through Capital One, which earn unlimited 5x miles).

You can redeem Capital One miles at a rate of 1 cent each to “erase” travel purchases made with your card or to book travel through the Capital One Travel Portal, which is great if you don’t want to fuss with award charts or complicated loyalty programs. But if you want to squeeze the most value from your miles, transferring them to Capital One’s airline and hotel partners is an option too, and you could potentially get a much higher return that way.

Cardholders get some sweet benefits with this card as well, including up to a $100 credit toward the Global Entry or TSA PreCheck application fee, two free Capital One Lounge visits each year, and small-business management tools.

Capital One Spark Miles for Business card review

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express has a high annual fee, but it’s more than worth it if you take advantage of the card’s premium perks, including airport lounge access, up to $200 in annual airline incidental fee credits**, and up to $400 in Dell statement credits** each year.

With a $695 annual fee, The Business Platinum Card® from American Express certainly isn’t for everyone. However, it can put much more than that in value back into your pocket if you make the most of its wide array of upscale benefits and earning opportunities.

Cardholders earn:

  • 5 points per dollar on flights and prepaid hotels booked through Amex Travel
  • 1.5 points per dollar on eligible purchases at U.S. 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
  • 1 point per dollar on everything else

Along with the aforementioned benefits, cardholders can take advantage of up to $120 in credits for U.S. wireless providers each calendar year**, up to $360 in Indeed credits each calendar year**, up to $150 in Adobe credits each calendar year**, and up to $189 back per year in credits for CLEAR® membership**.

Amex Business Platinum card review

American Express® Business Gold Card

The American Express® Business Gold Card is only a good fit for certain types of businesses, but if you spend a lot in its bonus categories, it can supercharge your Amex Membership Rewards points earning.

The American Express® Business Gold Card is an excellent customizable rewards business credit card for folks capable of paying the pricey annual fee. For a $295 ($375 if application is received on or after 2/1/24) annual fee, you’ll earn 4 American Express Membership Rewards points per dollar on two spending categories (from a list) of your choosing up to $150,000 per calendar year (1 point per dollar thereafter). Eligible 4x categories are: 

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

So if your business spends big in these categories, the American Express® Business Gold Card is worth the extra expense. You’ll also earn 3 points per dollar on flights and prepaid hotels booked on AmexTravel.com

Cardholders can also take advantage of excellent travel and purchase benefits, including a 25% points rebate on first- and business-class flights (up to 250,000 points back per calendar year) booked through American Express Travel, baggage insurance, trip delay insurance, and extended warranty.

Amex Business Gold card review

Airline and Hotel Business Rewards Credit Cards

Most major hotel chains and U.S. airlines offer co-branded small-business credit cards. If you’re a frequent traveler and you’re loyal to any of these programs, you should look at these options.

Airline credit cards earn frequent flyer miles on every purchase, and usually come with benefits like free checked bags and priority boarding

Delta

United Airlines

American Airlines

Southwest Airlines

Alaska Airlines

Hotel business credit cards allow you to earn hotel points on your business spending, and many of these cards offer complimentary elite status and annual free reward nights.

Hilton

Marriott 

Hyatt

IHG

Wyndham

Why You Should Trust Us: How We Chose the Best Rewards Business Cards

Trying to examine each of the dozens of rewards business credit cards yourself is a tall order. We’ve done the legwork for you by pitting each against the other to determine the cards with:

  • The biggest welcome bonuses
  • The highest earning rates
  • The most valuable ongoing benefits

Read about how we rate and review credit cards at Insider. And check out our credit card reviews hub to see which credit cards are at the top of their respective category.

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