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Advertiser Disclosure
Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

The Blue for Business® Credit Card from American Express: Should You Apply?

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Image of The Blue for Business® Credit Card from American Express

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85
"While not it's not the best card around, the Blue for Business Credit Card is a solid offer, especially for companies with low annual spending, and those whose frequently used merchants don't line up with the reward structures of other credit cards."

Contents

The Blue for Business® Credit Card from American Express is a decent small business credit card. It has a fairly low rewards rate of 1.3% on general spending, and a great 2.6% rate on purchases at Amextravel.com. The card’s rewards are boosted through Amex OPEN Savings benefits, which can provide up to a 5% discount with select merchants. This is the only no-annual-fee credit card to be enrolled in both OPEN benefits and Membership Rewards.

Good For… Bad For…
* Businesses that want an entry level Membership Rewards card * Companies who spend a lot on office supplies, wireless bills, or other categories where the SimplyCash® Plus Business Credit Card from American Express rewards 5%/3%
* Companies with annual general spending of less than $8,400 * Those looking for a generous welcome bonus to boost short-term value

Review: Our Thoughts On The Blue for Business® Credit Card from American Express

The Blue for Business® Credit Card from American Express is a decent entry level Membership Rewards credit card for small businesses. Other credit cards, such as the SimplyCash® Plus Business Credit Card from American Express or Ink Business Cash℠ Credit Card, may provide your business with higher savings on specialized merchant categories, including office supply stores. Before applying, it’s important to take an inventory of where your company shops the most, and then try to match that against one of these cards. If your purchases don’t fit the above two mentioned cards, and your annual spending is too low for the Capital One® Spark® Cash for Business, The Blue for Business® Credit Card from American Express is a decent choice. It will provide businesses with a 2.6% rewards rate on all purchases through Amextravel.com, and 1.3% on all other spending.

One of the strongest assets this card has is its inclusion in Amex OPEN Savings. Through this program, companies can receive up to a 5% discount when using the card with select merchants -– these include Fedex, Hertz, and HP.

The Blue for Business® Credit Card from American Express welcome bonus is disappointing, hurting its overall short-term value. Members can get 10,000 points after making any purchase within the first three months of account opening. This works out to a value of approximately $100.  While this is a normal value for consumer credit cards with no annual fee, small business credit cards have different standards. The above-mentioned Ink Business Cash℠ Credit Card, for example, has a welcome bonus worth $300.

Bottom Line: If you want an American Express small business credit card for your company, and none of the other cards have reward structures that fits well with your company’ spending, The Blue for Business® Credit Card from American Express is a good investment.

The Blue for Business® Credit Card from American Express Benefits & Features

The Blue for Business® Credit Card from American Express is part of the Membership Rewards family of cards. It earns businesses two points per dollar on Amextravel.com purchases, and one point per dollar everywhere else. Additionally, every cardmember anniversary Amex will gift the account a 30% relationship bonus, of all the points that were earned during the previous year.

We value Membership Reward points at $0.01 each. That would normally put the card’s rewards rate at 2% for Amextravel.com purchases, and 1% on general purchases. However, given the 30% annual point bonus, users can expect slightly better rewards: 2.6% and 1.3%. The card can also provide additional savings through the OPEN Savings benefit, which we explain in greater detail below.

When the account is first opened, there is a 10,000-point welcome bonus available. To qualify, your company simply needs to make a purchase on the card within the first three months of card membership. If you’ve previously opened this card for your company, you will not be eligible to receive this bonus again, as American Express caps bonuses at one per lifetime.

The Blue for Business® Credit Card from American Express

As its name suggests, this card is eligible for OPEN benefits. These are a series of business-oriented perks that help with managing your card account, as well as provide some additional savings. These features are too numerous to break down here, but some of the most important ones are worth highlighting.

With ReceiptMatch, The Blue for Business® Credit Card from American Express cardholders have the ability to tag purchases as they see fit, and well as add special notes. These can then be imported to other software such as Quickbooks, in order to aid with accounting. Along those same lines, you can also assign one of your employees or business partners to act as an account manager. This person will have access to statements, the ability to make payments, and even manage the reward points earned through the account.

Another added value of the Amex OPEN program is the OPEN Savings Feature. With it, your company has the ability to earn an additional two Membership Rewards points or receive a 5% discount whenever shopping with the program’s partners. Between the two, we highly recommend going with the discount, since the equivalent cash-back value of two Membership Reward points is just 1%. Currently, the following businesses are participating in Amex OPEN Savings:

  • FedEx & FedEx Office
  • Hertz
  • Hewlett Packard
  • 1-800 Flowers
  • Barnes & Noble

Each offer comes with some limitations, so we recommend business owners read through some of the terms before committing. This will ensure you get the exact benefits you expect.

How Does The Blue for Business® Credit Card from American Express Compare To Other Options?

It’s near impossible to make a call about a credit card’s value without considering what other options are available on the market. We compared The Blue for Business® Credit Card from American Express against other small business credit cards so that business owners may come to a more informed choice.

The Blue for Business® Credit Card from American Express vs SimplyCash® Plus Business Credit Card from American Express

The SimplyCash® Plus Business Credit Card from American Express is a pure cash back credit card, and one of our favorite small business cards. It provides 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers, on up to $50,000 in purchases each year. Business owners can also select one category among seven where they can also earn 3%, subject to the same $50k annual limit. These categories include:

  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • U.S. gas stations
  • U.S. restaurants
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

All other spending will get your company a return of 1% back. If your company spends heavily with merchants falling under the one of the above categories, the SimplyCash® Plus Business Credit Card from American Express will be a much better card than The Blue for Business® Credit Card from American Express. However, if the expenditures of your business are different, the 1.3% rewards rate of The Blue for Business® Credit Card from American Express will beat the former’s 1%. In most other matters, these cards are equivalent. Both have no annual fee, and come equipped with Amex OPEN benefits.

The Blue for Business® Credit Card from American Express vs Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card is another great business credit card with no annual fee. It provides companies with 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. In addition to that, it gives 2% cash back at gas stations and restaurants each account anniversary year, subject to the another $25k annual limit. All other spending with the card nets just 1% back. As with the card comparison above, the answer to whether or not this card is right for you business comes down to where your major expenses lie. If the Ink Business Cash℠ Credit Card rewards structure lines up with the type of purchases your company makes then it should be the card you prefer. Otherwise, The Blue for Business® Credit Card from American Express will perform better.

It’s also important to note that while the Ink Business Cash℠ Credit Card has a slew of business solutions, it is not part of Amex OPEN and therefore does not come with OPEN Savings. If that feature of The Blue for Business® Credit Card from American Express appealed to you, we advise business owners to consider this trade-off.

The Blue for Business® Credit Card from American Express vs Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business has a much simpler reward structure, offering 2% cash back on all business purchases. The only category where The Blue for Business® Credit Card from American Express would beat this offer is on Amextravel.com purchases. The caveat, however, is that the Capital One® Spark® Cash for Business comes with an annual fee. While it’s waived during the first cardmember year, the ongoing fee will be $95. That means your company must spend a certain amount of money each year in order to break even. To calculate the point at which it pays to earn 2% back versus the 1.3% you get through The Blue for Business® Credit Card from American Express, we divided the annual fee by the difference in rewards rates. The result is $95 / 0.7% = $13,571.

If you consider Amextravel.com spending, figuring this out can get a little more tricky. However, so long as your company’s expenses are made up of mostly general purchases, $8,430 is a good benchmark to use. If you spend more than that annually, go with the Capital One® Spark® Cash for Business over The Blue for Business® Credit Card from American Express.

Compare Credit Cards Based On Your Company’s Expenditures

The math behind which card is a better fit based on how your small business spends money can get complicated. To aid in this process, we developed the following tool to make the process simpler. Simply enter your company’s estimated monthly expenditures by category, and our calculator will output our estimates for each card’s 2-year value – this is based on factors such as point/mile value, bonuses, and annual fees charged.

Edit Monthly Spend: $2,000
General:
Gas:
Groceries:
Airlines:
Hotel:
Dining:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Southwest Rapid Rewards® Premier Business Credit Card
Image of Southwest Rapid Rewards® Premier Business Credit Card $99 4.55%
$1,020
Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account.
$1,638
Graph Card More Details
Annual Fee $99
APR 16.74% - 23.74% Variable

Card Details

  • Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise
  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward seats
  • Points don't expire
  • No blackout dates
  • No Foreign Transaction fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.017 = $816
Bonuses
60,000 x $0.017 = $1,020
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,638
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$0 Intro Annual Fee for the first year then $95 3.79%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,363
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.24%

Card Details

  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $648
Bonuses
60,000 x $0.014 = $810
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,363
Capital One® Spark® Cash for Business
$0 intro for first year; $95 after that 3.79%
$500
Earn a $500 bonus once you spend $4,500 on purchases in the first 3 months
$1,365
Graph Card Read Review More Details
Annual Fee $0 intro for first year; $95 after that
APR 17.99% (Variable)

Card Details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Bonuses
0 x $1 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365
Capital One® Spark® Miles for Business
$0 intro for first year; $95 after that 3.79%
$500
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months
$1,365
Graph Card More Details
Annual Fee $0 intro for first year; $95 after that
APR 17.99% (Variable)

Card Details

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365
Alaska Airlines Visa® Business Card
Image of Alaska Airlines Visa® Business Card $75 3.44%
$475
Earn 25,000 Bonus Miles after your first purchase
$1,237
Graph Card More Details
Annual Fee $75
APR 13.24%

Card Details

  • 3 miles per $1 spent on Alaska Airline tickets, vacation packages and cargo purchases made through Alaska Airlines
  • 1 mile per $1 spent on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.019 = $912
Bonuses
25,000 x $0.019 = $475
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 1,237
United MileagePlus® Explorer Business card
Image of United MileagePlus® Explorer Business card $0 Intro Annual Fee for the first year then $95 3.80%
$600
$1,369
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 16.49% - 23.49% Variable

Card Details

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores
  • 2 miles per $1 spent on tickets purchased from United
  • 1 mile per $1 spent on all other purchases
  • The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boardingEmployee cards at no additional cost
  • 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year
  • The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
50,000 x $0.012 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,369
U.S. Bank FlexPerks® Business Edge™ Travel Rewards
$0 Intro Annual Fee for the first year then $55 4.19%
$340
Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months of account opening
$1,509
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $55
APR 12.24% to 18.24% Variable

Card Details

  • One FlexPoint for every dollar in net purchases
  • Double FlexPoints on gas, office supplies or airline purchases, whichever you spend most on each monthly billing cycle
  • Double FlexPoints on most cell phone purchases, including monthly bills, accessories and Internet charges
  • Up to a $25 airline allowance with each airline award ticket to use on baggage fees, in-flight food or drinks and more
  • Up to 25% off and a free car rental day each year at National Car Rental®
  • Free Hideaways Life® Newsletter Membership
  • $55 Annual Fee credit every year you spend $24,000 or more in net purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.017 = $1,224
Bonuses
20,000 x $0.017 = $340
Less Annual Fees -$55
Total Net Estimated Rewards Through 24 Months 1,509
Club Carlson Business Rewards Visa Card
$60 3.01%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$1,083
Graph Card More Details
Annual Fee $60
APR 14.24% - 23.24% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240,000 x $0.004 = $888
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$120
Total Net Estimated Rewards Through 24 Months 1,083
WorldPoints® Travel Rewards for Business Visa® Card
Image of WorldPoints® Travel Rewards for Business Visa® Card No Annual Fee 2.84%
$160
5,000 bonus points after your first purchase; $100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,024
Graph Card More Details
Annual Fee No Annual Fee
APR 11.24% to 21.24% Variable

Card Details

  • 3 rewards points per $1 spent for travel booked through Bank of America's Travel center
  • 1.5 rewards points per $1 spent on all other purchases
  • No annual fee
  • 0% Introductory APR for 9 billing cycles from account opening

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
5,000 x $0.012 = $60
0 x $0.012 = $100
Total Net Estimated Rewards Through 24 Months 1,024
Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 2.94%
$0
25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months
$1,057
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.024 = $1,152
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,057
Capital One® Spark® Miles Select for Business
$0 2.56%
$200
One time bonus of 20,000 miles once you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 920
Capital One® Spark® Cash Select for Business
$0 2.56%
$200
One time bonus of $200 once you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 720 x $1 = $720
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 920
Ink Business Cash℠ Credit Card
$0 4.83%
$300
Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
$1,740
Graph Card Read Review More Details
Annual Fee $0
APR 14.24% - 20.24% Variable

Card Details

  • Earn $300 bonus cash back when you spend $3,000 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 cellular phone, landline, internet and cable TV 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $300
Total Net Estimated Rewards Through 24 Months 1,740
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Cash Rewards Mastercard® credit card No Annual Fee 3.22%
$200
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,160
Graph Card More Details
Annual Fee No Annual Fee
APR 12.24% - 22.24% Variable

Card Details

  • 3% on purchases at gas stations and office supply stores (up to $250,000 in gas stations and office supply store purchases annually, 1% after that)
  • 2% on purchases at restaurants
  • 1% cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 1,160
Marriott Rewards® Premier Business Credit Card
Image of  Marriott Rewards® Premier Business Credit Card $99 1.98%
$480
80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
$714
Graph Card More Details
Annual Fee $99
APR 16.49% - 23.49% Variable

Card Details

  • 80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
  • 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.
  • 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases.
  • 1 point for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  • Marriott Rewards Gold Elite benefits when you spend $50,000 on purchases each account year.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.006 = $432
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 714
SimplyCash® Plus Business Credit Card from American Express
$0 4.56%
$200
Earn a one-time $200 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
$1,640
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 1,640
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.81%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$652
Graph Card More Details
Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 652
Asiana Visa® Business Card
Image of Asiana Visa® Business Card $80 1.81%
$140
10,000 bonus miles after your first purchase
$652
Graph Card More Details
Annual Fee $80
APR 13.24%

Card Details

  • 2 miles per $1 spent on purchases from Asiana Airlines
  • 1 mile per $1 everywhere else

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $672
Bonuses
10,000 x $0.014 = $140
Less Annual Fees -$160
Total Net Estimated Rewards Through 24 Months 652
CitiBusiness ThankYou® Credit Card
Image of CitiBusiness ThankYou® Credit Card No Annual Fee 1.75%
$150
Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
$630
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%

Card Details

  • Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
  • Earn 3 ThankYou points for every dollar spent on purchases in quaterly rotating business categories
  • Earn 1 ThankYou Points for every $1 spent on other purchases
  • Unlimited points with no expiration
  • 24/7 customer service
  • Accident Insurance
  • Car Rental Insurance
  • Purchase Protection up to $10,000

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 630
U.S. Bank Business Edge™ Select Rewards Card
Image of U.S. Bank Business Edge™ Select Rewards Card $0* 1.61%
$100
Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account
$580
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 580
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.59%
$120
10,000 bonus points after the first purchase
$571
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $125
APR

Card Details

  • 1 rewards point per $1 on all purchases
  • Double rewards points on airline and hotel purchases for the first 12 months from account opening
  • 10,000 anniversary points each year
  • Double rewards points and hotel purchases for the first 12 months from account opening
  • Charge card
  • No preset spending limit

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
10,000 x $0.012 = $120
Less Annual Fees -$125
Total Net Estimated Rewards Through 24 Months 571
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 2.67%
$0
$960
Graph Card More Details
Annual Fee $0*
APR 12.74% - 18.74%* (Variable)

Card Details

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Total Net Estimated Rewards Through 24 Months 960
Blue Business℠ Plus Credit Card
$0 1.33%
$0
$480
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0
APR 12.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Get rewarded for business as usual. Earn 2X 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Total Net Estimated Rewards Through 24 Months 480
Capital One® Spark® Classic for Business
$0 1.33%
$0
$480
Graph Card More Details
Annual Fee $0
APR 23.99% (Variable)

Card Details

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Total Net Estimated Rewards Through 24 Months 480
Business Green Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $95 1.21%
$50
5,000 points after your first purchase
$435
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR N/A
*Rates and Fees

Card Details

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
5,000 x $0.01 = $50
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 435
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 1.27%
$75
15,000 bonus miles after the first purchase
$456
Graph Card More Details
Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.005 = $480
Bonuses
15,000 x $0.005 = $75
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 456
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 1.26%
$0
$455
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$25
Total Net Estimated Rewards Through 24 Months 455
Business Secured Visa® Credit Card
$0 Intro Annual Fee for the first year then $40 1.22%
$0
$440
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $40
APR 16.49%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$40
Total Net Estimated Rewards Through 24 Months 440
Ink Business Preferred℠ Credit Card
$95 1.14%
$0
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
$410
Graph Card Read Review More Details
Annual Fee $95
APR 16.99% - 21.99% Variable

Card Details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.013 = $600
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 410
The Plum Card® from American Express OPEN
$0 introductory annual fee your first year, then $250 1.31%
$0
$470
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee your first year, then $250
APR N/A
*Rates and Fees

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 470
The Business Gold Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $175 0.98%
$0
Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
$353
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $175
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,800 x $0.01 = $528
Less Annual Fees -$175
Total Net Estimated Rewards Through 24 Months 353
Platinum Visa® Business Credit Card
No Annual Fee 0.28%
$100
$100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$100
Graph Card More Details
Annual Fee No Annual Fee
APR 92.4% to 20.24% Variable

Card Details

  • No annual fee
  • 0% Introductory APR on purchases for 7 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100
Business Edge™ Platinum
Image of Business Edge™ Platinum $0* 0.00%
$0
$0
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
The Business Platinum® Card from American Express OPEN
$450 -1.17%
$0
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
$-420
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $450
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -420

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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