8 Best Business Rewards Credit Cards of April 2021

8 Best Business Rewards Credit Cards of April 2021

Looking for the best business rewards credit card to earn cash back, points or miles? Here are the business rewards cards that made the cut.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Best credit cards for business rewards 2021

Best for points

  • On Chase's Secure Website

Best for spending categories

  • On Chase's Secure Website

A business rewards card can make buying the things you need to keep your business running easier, while potentially earning rewards in the form of cash back, points or miles. Choosing the best rewards card for your business means finding one that fits your spending style and delivers maximum value.

Although all of the options listed below are top business card contenders, we believe that the Ink Business Preferred℠ Credit Card offers the best value, since you'll earn Chase Ultimate Rewards® points that can be exchanged for cash back, travel and a considerable number of other redemption options. With a reasonable $95 annual fee, you'll enjoy one of the best sign-up bonuses (worth up to $1,250) and a fantastic rewards rate to maximize your business expenses.

Regardless of your choice, it's crucial to remember to never carry a balance, as this will effectively negate any rewards you earn with a business credit card. For more picks on our small business credit cards, check here for other suggestions.

Why trust us

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers.

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Best cashback business credit card

Capital One Spark Cash for Business

  • On Capital One's Secure Website

$0 intro for first year; $95 after that

20.99% (Variable)

Excellent/Good

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Our thoughts

The Capital One Spark Cash for Business rewards card is a great option if you want to keep earning and redeeming rewards simple. This card offers unlimited 2% Cash Back for your business on every purchase, everywhere, with no bonus categories or tiers to worry about. You can redeem that cash back at any time, in any amount, with no minimums.

Employee cards can be added on at no additional cost, giving you even more opportunity to earn cash rewards for your business. Spending limits can be preset so you stay in control of what employees charge.

  • Earn a generous 2% Cash Back for your business on every purchase, everywhere, from travel to utilities to office supplies.
  • Qualify for a competitive introductory $500 cash bonus when you meet the minimum spending requirement.
  • Take advantage of other perks, such as roadside assistance and purchase protection.
  • There is no introductory APR promotion for purchases or balance transfers.
  • You'll pay a annual fee $0 intro for first year; $95 after that.
  • While you can earn cash back on travel purchases, this card is light on travel perks.
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$95 after that\",\"apr\":\"20.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Cashback\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4224.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/416?url=_best-business-rewards-credit-card\",\"name\":\"Capital One Spark Cash for Business\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Spark\u00ae Cash for Business: 2% Cash Back All The Time\" href=\"https:\/\/www.valuepenguin.com\/capital-one-spark-cash-credit-card\"\u003ECapital One Spark Cash for Business rewards card\u003C\/a\u003E\u003C\/span\u003E is a great option if you want to keep earning and redeeming rewards simple. This card offers unlimited 2% Cash Back for your business on every purchase, everywhere, with no bonus categories or tiers to worry about. You can redeem that cash back at any time, in any amount, with no minimums.\u003C\/p\u003E\n\n\u003Cp\u003EEmployee cards can be added on at no additional cost, giving you even more opportunity to earn cash rewards for your business. Spending limits can be preset so you stay in control of what employees charge.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a generous 2% Cash Back for your business on every purchase, everywhere, from travel to utilities to office supplies.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify for a competitive introductory $500 cash bonus when you meet the minimum spending requirement.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Take advantage of other perks, such as roadside assistance and purchase protection.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is no introductory APR promotion for purchases or balance transfers.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You'll pay a annual fee $0 intro for first year; $95 after that.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n While you can earn cash back on travel purchases, this card is light on travel perks.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business credit card for travel points

Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • Earn 100k bonus points after you spend $15,000 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
  • $95 Annual Fee

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Our thoughts

The Ink Business Preferred℠ Credit Card is one of the best business rewards credit cards if you're looking for a big sign-up bonus. The card's bonus is worth $1,250 when you redeem points for travel through Chase Ultimate Rewards®. You can also transfer points to partner hotels and airlines.

This card is also generous when it comes to ongoing rewards. You can Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

  • Very competitive introductory points bonus for business owners who can meet the minimum spending requirement.
  • Earn a generous rewards rate on travel and everyday business purchases.
  • Get 25% more rewards value when redeeming points for travel through Chase Ultimate Rewards®.
  • There is a $95 annual fee, though employee cards are available at no cost.
  • Currently, there's no promotional APR for purchases or balance transfers.
  • Chase 1:1 points transfers are only available with select travel partners.
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class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1112?url=_best-business-rewards-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Ink Business Preferred\u2120 Credit Card\"\u003E\u003Cimg alt=\"Ink Business Preferred\u2120 Credit Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1112?url=_best-business-rewards-credit-card\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.99%-20.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100k bonus points after you spend $15,000 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\u00ae\u003C\/li\u003E\u003Cli\u003EEarn 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\u003C\/li\u003E\u003Cli\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\u003C\/li\u003E\u003Cli\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\u003C\/li\u003E\u003Cli\u003ERedeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open\u003C\/li\u003E\u003Cli\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003EPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account\u003C\/li\u003E\u003Cli\u003E$95 Annual Fee\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99%-20.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 100k bonus points after you spend $15,000 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\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open\\u003C\\\/li\\u003E\\u003Cli\\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003EPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account\\u003C\\\/li\\u003E\\u003Cli\\u003E$95 Annual Fee\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":70,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Points\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/2998.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1112?url=_best-business-rewards-credit-card\",\"name\":\"Ink Business Preferred\\u2120 Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ink Business Preferred\u2120 Credit Card: Is It The Best Business Credit Card?\" href=\"https:\/\/www.valuepenguin.com\/chase-ink-preferred-business-card\"\u003EInk Business Preferred℠ Credit Card\u003C\/a\u003E\u003C\/span\u003E is one of the best business rewards credit cards if you're looking for a big sign-up bonus. The card's bonus is worth $1,250 when you redeem points for travel through \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E. You can also transfer points to partner hotels and airlines.\u003C\/p\u003E\n\n\u003Cp\u003EThis card is also generous when it comes to ongoing rewards. You can Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases\u2014with no limit to the amount you can earn.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Very competitive introductory points bonus for business owners who can meet the minimum spending requirement.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a generous rewards rate on travel and everyday business purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get 25% more rewards value when redeeming points for travel through Chase Ultimate Rewards\u00ae.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is a $95 annual fee, though employee cards are available at no cost.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Currently, there's no promotional APR for purchases or balance transfers.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Chase 1:1 points transfers are only available with select \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003Etravel partners\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback category business credit card with no annual fee

Ink Business Cash® Credit Card

  • On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent

  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Our thoughts

If you'd prefer cash to points, the Ink Business Cash® Credit Card is one of the best business rewards cards in that regard. This card lets you 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 card purchases with no limit to the amount you can earn.

Rewards can be redeemed for cash, gift cards or even travel through Chase Ultimate Rewards®. Best of all, this card has a $0 annual fee and it costs you nothing to add employee cards to earn even more cash back.

  • Enjoy a competitive cashback rate on everyday purchases for your business.
  • Pay a $0 annual fee and no fee to add employee cards to your account.
  • A low minimum spending requirement could make it easier to qualify for the $750 introductory cash bonus.
  • 0% Intro APR on Purchases for 12 months (13.24% - 19.24% Variable APR thereafter).
  • Aside from some basic travel, purchase and fraud protections this card doesn't come packed with a lot of extras.
  • While there is a 0% introductory APR for purchases, the regular variable APR could make carrying a balance more expensive.
  • The introductory APR for purchases doesn't extend to balance transfers.
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19.24% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn 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\u003C\/li\u003E\u003Cli\u003EEarn 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\u003C\/li\u003E\u003Cli\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\u003C\/li\u003E\u003Cli\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\u003C\/li\u003E\u003Cli\u003ENo Annual Fee\u003C\/li\u003E\u003Cli\u003ERedeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003E0% introductory APR for 12 months on purchases\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.24% - 19.24% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Annual Fee\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003E0% introductory APR for 12 months on purchases\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Spending Category\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/2999.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/80?url=_best-business-rewards-credit-card\",\"name\":\"Ink Business Cash\\u00ae Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you'd prefer cash to points, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Ink Business Cash\u2120 Credit Card: A Great No Annual Fee Business Card\" href=\"https:\/\/www.valuepenguin.com\/chase-ink-cash-business-credit-card\"\u003EInk Business Cash® Credit Card\u003C\/a\u003E\u003C\/span\u003E is one of the best business rewards cards in that regard. This card lets you 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 card purchases with no limit to the amount you can earn.\u003C\/p\u003E\n\n\u003Cp\u003ERewards can be redeemed for cash, gift cards or even travel through Chase Ultimate Rewards\u00ae. Best of all, this card has a $0 annual fee and it costs you nothing to add employee cards to earn even more cash back.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Enjoy a competitive cashback rate on everyday purchases for your business.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Pay a $0 annual fee and no fee to add employee cards to your account.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A low minimum spending requirement could make it easier to qualify for the $750 introductory cash bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% Intro APR on Purchases for 12 months (13.24% - 19.24% Variable APR thereafter).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Aside from some basic travel, purchase and fraud protections this card doesn't come packed with a lot of extras.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n While there is a 0% introductory APR for purchases, the regular variable APR could make carrying a balance more expensive.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The introductory APR for purchases doesn't extend to balance transfers.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business credit card for luxury travel

The Business Platinum Card® from American Express

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.

Our thoughts

The Business Platinum Card® from American Express has a reputation for being one of the best business rewards cards for premium travel benefits. For example, card benefits include a $200 annual airline fee credit, access to the American Express Global Lounge Collection, Marriott Bonvoy Gold Elite Status and a fee credit to Global Entry or TSA PreCheck.

Aside from those benefits, this card is also extremely rewarding, allowing you to earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.. 1 point per dollar on all other purchases.

Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

  • Earn a competitive rewards rate on hotels and airfare, which is great if you regularly spend on business travel.
  • Use your Membership Rewards® points to pay for travel and get 35% of those points back, up to 500,000 points per year.
  • Pay a foreign exchange fee of None and enjoy benefits like trip cancellation and trip delay insurance.
  • Terms apply.
  • At $595, this card's annual fee makes it one of the most expensive business rewards cards.
  • Only travel purchases booked through amextravel.com earn the 5 points per dollar.
  • Terms apply.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EThe Business Platinum Card\u00ae from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum\u00ae Card from American Express\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003EThe Business Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E has a reputation for being one of the best business rewards cards for premium travel benefits. For example, card benefits include a $200 annual airline fee credit, access to the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"(June 2019 Update) Full List of Amex Centurion Lounges\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmerican Express Global Lounge Collection\u003C\/a\u003E\u003C\/span\u003E, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Marriott Bonvoy Elite Status: How to Earn It and How Much It's Worth\" href=\"https:\/\/www.valuepenguin.com\/travel\/marriott-bonvoy-elite-status\"\u003EMarriott Bonvoy Gold Elite Status\u003C\/a\u003E\u003C\/span\u003E and a fee credit to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What to Know About Global Entry Before Your Next Trip\" href=\"https:\/\/www.valuepenguin.com\/travel\/what-to-know-global-entry\"\u003EGlobal Entry or TSA PreCheck\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EAside from those benefits, this card is also extremely rewarding, allowing you to earn 5X Membership Rewards\u00ae points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards\u00ae points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.. 1 point per dollar on all other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EUnlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a competitive rewards rate on hotels and airfare, which is great if you regularly spend on business travel.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Use your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Membership Rewards: An In-Depth Value Analysis\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-comprehensive-guide\"\u003EMembership Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E points to pay for travel and get 35% of those points back, up to 500,000 points per year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Pay a foreign exchange fee of None and enjoy benefits like trip cancellation and trip delay insurance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n At $595, this card's annual fee makes it one of the most expensive business rewards cards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Only travel purchases booked through amextravel.com earn the 5 points per dollar.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business credit card for airline miles

Southwest Rapid Rewards® Performance Business Credit Card

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

Our thoughts

The Southwest Rapid Rewards® Performance Business Credit Card could be a good fit if you want to earn rewards toward the Southwest Companion Pass. As of 2020, you need to earn 125,000 Rapid Rewards points annually to qualify for the Companion Pass. If you qualify for this card's 100,000-point introductory bonus, you could easily make a dent in that total.

On top of that, this card offers loyal Southwest travelers 3 points per $1 spent on Southwest® purchases. 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services. 1 point per $1 spent on all other purchases. and there are no limits on the number of points you can earn.

  • Receive an additional 9,000 bonus points after your cardmember anniversary.
  • Get up to four upgraded boardings per year when available.
  • Enjoy a fee credit toward Global Entry or TSA PreCheck of up to $100 every four years.
  • There is a $199 annual fee, which is applied to your first billing statement.
  • There's no introductory APR for purchases or balance transfers and the regular APR (15.99% - 22.99% Variable) can be on the higher side, depending on creditworthiness.
  • Because Southwest doesn't have airline or hotel travel partners, you only get the most value from points when redeeming for Southwest flights.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ESouthwest Rapid Rewards\u00ae Performance Business Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Southwest Rapid Rewards\u00ae Performance Business Credit Card could be a good fit if you want to earn rewards toward the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Southwest Airlines Companion Pass: Best and Fastest Ways to Earn\" href=\"https:\/\/www.valuepenguin.com\/travel\/southwest-companion-pass\"\u003ESouthwest Companion Pass\u003C\/a\u003E\u003C\/span\u003E. As of 2020, you need to earn 125,000 Rapid Rewards points annually to qualify for the Companion Pass. If you qualify for this card's 100,000-point introductory bonus, you could easily make a dent in that total.\u003C\/p\u003E\n\n\u003Cp\u003EOn top of that, this card offers \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Southwest Rapid Rewards: Program Overview\" href=\"https:\/\/www.valuepenguin.com\/travel\/southwest-rapid-rewards\"\u003Eloyal Southwest travelers\u003C\/a\u003E\u003C\/span\u003E 3 points per $1 spent on Southwest\u00ae purchases. 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services. 1 point per $1 spent on all other purchases. and there are no limits on the number of points you can earn.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive an additional 9,000 bonus points after your cardmember anniversary.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get up to four upgraded boardings per year when available.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Enjoy a fee credit toward Global Entry or TSA PreCheck of up to $100 every four years.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is a $199 annual fee, which is applied to your first billing statement.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There's no introductory APR for purchases or balance transfers and the regular APR (15.99% - 22.99% Variable) can be on the higher side, depending on creditworthiness.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Because Southwest doesn't have airline or hotel travel partners, you only get the most value from points when redeeming for Southwest flights.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Best business rewards credit card with no annual fee

American Express Blue Business Cash™ Card

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.

Our thoughts

The American Express Blue Business Cash™ Card offers a straightforward cashback rewards program with No annual fee. With this card, you can Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cashback rewards are automatically applied as a statement credit.

This card also offers Expanded Buying Power, allowing you to make purchases above your credit limit when needed. No annual fee and a low introductory APR for purchases add to the card's value.

  • Earn competitive cashback rewards without an annual fee nibbling away at their value.
  • Enjoy travel benefits such as roadside assistance and car rental loss and damage insurance.
  • Your purchases are covered by purchase protection and extended warranty protection.
  • Terms apply.
  • The introductory bonus is a little underwhelming compared to what some cashback business rewards cards offer.
  • This card may not be the best option for earning cash back if you typically spend more than $50,000 annually.
  • There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
  • Terms apply.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EAmerican Express Blue Business Cash™ Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 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.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express\u00ae Blue Business Cash Card Review\" href=\"https:\/\/www.valuepenguin.com\/american-express-blue-business-cash-card\"\u003EAmerican Express Blue Business Cash™ Card\u003C\/a\u003E\u003C\/span\u003E offers a straightforward cashback rewards program with No annual fee. With this card, you can Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cashback rewards are automatically applied as a statement credit.\u003C\/p\u003E\n\n\u003Cp\u003EThis card also offers Expanded Buying Power, allowing you to make purchases above your credit limit when needed. No annual fee and a low introductory APR for purchases add to the card's value.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn competitive cashback rewards without an annual fee nibbling away at their value.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Enjoy travel benefits such as roadside assistance and car rental loss and damage insurance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your purchases are covered by purchase protection and extended warranty protection.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The introductory bonus is a little underwhelming compared to what some cashback business rewards cards offer.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card may not be the best option for earning cash back if you typically spend more than $50,000 annually.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best travel business credit card with no annual fee

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining-related purchases

Our thoughts

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is designed for travel expenses but it also offers an above-average rewards rate for everyday purchases. With this card, you can earn 3 points for every $1 spent for travel booked through the Bank of America® Travel Center and 1.5 rewards points for every $1 on all purchases

This card pays off even more if you're a Bank of America Preferred Rewards for Business member. Depending on your status in the program, you could earn up to 75% more rewards on every purchase you make.

  • The introductory bonus is worth $300 in travel statement credits.
  • There's a $0 annual fee associated with this card, as well as the following foreign transaction fee: None.
  • This card offers flexible redemption options, including using points to pay for travel through the Bank of America Travel Center, applying them as statement credit or redeeming for cash back.
  • Get an introductory APR of 0% for 9 billing cycles (12.24% - 22.24% Variable APR on purchases thereafter)
  • There's no option to transfer points earned with this card to travel partners.
  • The introductory bonus isn't as competitive as what other travel business rewards cards can offer.
  • This card is light on travel perks and extra features.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EBank of America\u00ae Business Advantage Travel Rewards World Mastercard\u00ae credit card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining-related purchases\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America\u00ae Business Advantage Travel Rewards World Mastercard\u00ae credit card Review\" href=\"https:\/\/www.valuepenguin.com\/bank-america-business-advantage-travel-rewards-credit-card\"\u003EBank of America\u00ae Business Advantage Travel Rewards World Mastercard\u00ae credit card\u003C\/a\u003E\u003C\/span\u003E is designed for travel expenses but it also offers an above-average rewards rate for everyday purchases. With this card, you can earn 3 points for every $1 spent for travel booked through the Bank of America\u00ae Travel Center and 1.5 rewards points for every $1 on all purchases \u003C\/p\u003E\n\n\u003Cp\u003EThis card pays off even more if you're a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America Preferred Rewards Program Guide: Maximizing Your Banking Relationship and Credit Card Spending\" href=\"https:\/\/www.valuepenguin.com\/bank-america-preferred-rewards-program\"\u003EBank of America Preferred Rewards for Business\u003C\/a\u003E\u003C\/span\u003E member. Depending on your status in the program, you could earn up to 75% more rewards on every purchase you make.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The introductory bonus is worth $300 in travel statement credits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There's a $0 annual fee associated with this card, as well as the following foreign transaction fee: None.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card offers flexible redemption options, including using points to pay for travel through the Bank of America Travel Center, applying them as statement credit or redeeming for cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get an introductory APR of 0% for 9 billing cycles (12.24% - 22.24% Variable APR on purchases thereafter)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There's no option to transfer points earned with this card to travel partners.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The introductory bonus isn't as competitive as what other travel business rewards cards can offer.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card is light on travel perks and extra features.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business credit card for hotel rewards

The Hilton Honors American Express Business Card

Earn Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Our thoughts

If you're looking for a card that can help you earn free nights, The Hilton Honors American Express Business Card is a solid choice. Aside from a very generous introductory bonus, you can earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.

Plus, you get complimentary Hilton Honors Gold Status to unlock even more money-saving travel benefits for a low annual fee of $95.

  • This card can be exceptionally rewarding if you're loyal to the Hilton brand when booking hotel stays.
  • Travel perks include a free weekend reward night, 10 free Priority Pass visits and an opportunity to upgrade to Diamond Status in the Hilton Honors program.
  • There's foreign transaction fee of None, which is great if you take business trips abroad.
  • Terms apply.
  • There is a $95 annual fee to consider if you'd rather avoid paying a fee to earn business rewards.
  • You have to spend a minimum of $40,000 per year with your card to qualify for Hilton Honors Diamond Status.
  • This card may not be the best fit if you book hotels other than Hilton for business travel.
  • Terms apply.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EThe Hilton Honors American Express Business Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're looking for a card that can help you earn free nights, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Hilton Honors American Express Business Card: Is it Right for Your Company?\" href=\"https:\/\/www.valuepenguin.com\/american-express-hilton-honors-business-credit-card\"\u003EThe Hilton Honors American Express Business Card\u003C\/a\u003E\u003C\/span\u003E is a solid choice. Aside from a very generous introductory bonus, you can earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.\u003C\/p\u003E\n\n\u003Cp\u003EPlus, you get complimentary \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Status: How to Earn It and How Much Is It Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-honors-elite-status\"\u003EHilton Honors Gold Status\u003C\/a\u003E\u003C\/span\u003E to unlock even more money-saving travel benefits for a low annual fee of $95.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card can be exceptionally rewarding if you're loyal to the Hilton brand when booking hotel stays.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel perks include a free weekend reward night, 10 free Priority Pass visits and an opportunity to upgrade to Diamond Status in the Hilton Honors program.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There's foreign transaction fee of None, which is great if you take business trips abroad.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is a $95 annual fee to consider if you'd rather avoid paying a fee to earn business rewards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to spend a minimum of $40,000 per year with your card to qualify for Hilton Honors Diamond Status.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card may not be the best fit if you book hotels other than Hilton for business travel.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Types of business rewards credit cards

Business rewards credit cards aren't all alike and it's helpful to know how to compare them. For example, cards can differ when it comes to the rewards they offer, as well as the APR and fees they charge or the perks and benefits they include.

Hotel rewards credit cards are designed for business owners who are interested in earning points toward free nights. These cards are typically co-branded toward a specific hotel chain, i.e., Hilton or Marriott. Hotel rewards cards can also feature additional travel incentives, such as room upgrades or complimentary hotel lounge access.

Business credit cards that earn airline miles could be a great choice if you're a frequent flyer. These cards let you earn miles that can be redeemed for fares aboard participating airlines. Depending on the card, you may be able to transfer miles to other airlines or frequent flyer programs for redemption.

Some business credit cards, including a few of the best business credit cards listed here, reward you with points for purchases. Depending on the card, you may earn a flat number of points or rewards that may be tiered, with some purchases earning more points than others.

When comparing business rewards cards that offer points, it's important to consider what those points are worth when it's time to redeem them. For example, a card that's designed for travel is typically going to give you the most value when you redeem points for travel purchases. A card that earns points for everyday purchases, on the other hand, may offer maximum redemption value for statement credit or cash back.

Earning cash back with a business credit card is essentially like getting a discount on the things you buy. Depending on the card, you could either apply rewards as a statement credit to previous purchases or get cash deposited into a business bank account that you can then spend as you see fit.

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How to choose a business rewards credit card

Choosing the right business rewards card is important because you don't want to end up with a card mismatch. Ideally, the card you decide on should offer a rewards program that fits how you spend. But it's also important to pay attention to things like the APR, fees and other card features.

Whether it makes more sense to choose a business rewards card that earns points or miles versus cash back depends largely on how you plan to use your rewards.

If you're primarily interested in using rewards to save money on business travel, then you might naturally lean toward a card that allows you to earn miles or points on purchases. On the other hand, if you mostly spend on everyday purchases then earning cash back could be a way to save your business money on what you buy.

Many, though not all, business rewards credit cards offer an introductory sign-up bonus of some kind. This can be points, miles, cash back or statement credit, depending on the card.

When comparing card bonuses, don't focus solely on how large or small it is. Also consider how much you have to spend to qualify for the bonus and whether the card issuer has any other requirements to be eligible for the bonus.

If you're interested in a business rewards card that has a tiered-rewards program, consider how rewards are assigned to different spending categories. If you spend the most money on office supplies, for example, then it makes sense to choose a card that rewards you the most in that category. Also, be aware of whether there are any caps on the number of rewards you can earn in each spending category.

Paying an annual fee for a business rewards credit card can be worth it if it's justified by the rewards you're earning and/or the card perks you're getting. If you're looking at a card that has an annual fee, calculate how quickly you'll be able to earn it back in rewards. And compare the cost of the fee to the value of any benefits of added features that are included, such as airport lounge access or a Global Entry/TSA PreCheck fee credit.

Your card's annual percentage rate matters if you think you'll carry a balance from month to month or you want to transfer a balance. Take a look at the regular variable purchase APR as well as the balance transfer APR so you know how much carrying a balance will cost.

Many business rewards credit cards come with built-in features that can make running your business and managing your card easier. For example, if you plan to add on employee cards then something like employee spending controls could be useful to have. Or being able to sync your card account with your business's accounting software could make tracking expenses and organizing tax-deductible purchases easier.

Aside from premium travel benefits or business-specific benefits, check to see what else a business credit card includes that could make it more useful or valuable. For example, you may want benefits such as purchase protection, extended warranty protection, travel accident insurance or roadside assistance included.

How to make the most of a business rewards credit card

If you're planning to open a new business rewards credit card, then it pays to know how to use it to its maximum potential. Here are a few quick tips for getting the most from your card.

  1. Review the rewards structure. It should go without saying but be sure you know upfront how you can earn rewards and where, as well as whether there are any caps or limitations on earning them.
  2. Compare values for redemption options. If your card offers multiple ways to redeem points, cash back or miles, be sure to do the math so you know which one offers the most value.
  3. Transfer points or miles strategically. If you have a business rewards card that allows for points or miles transfers to partner airlines and hotels, compare the transfer values first. Ideally, you should be able to transfer points at 1:1 ratio or better to make it worth your while.
  4. Pay in full and on time. Carrying a balance on your business rewards card means paying interest, which can diminish the value of the rewards you're earning. And remember that paying late could hurt your business credit score.
  5. Don't let card benefits go unused. If your business rewards card offers extras, such as airline fee credits or hotel benefits, make sure you're taking advantage of them when booking trips.

To wrap up our guide on the best business credit cards with rewards, here are answers to some of the most often-asked questions about how these cards work.

Are business credit card rewards taxable?

You might be wondering whether the rewards you earn with your card can be taxed, and the short answer is no. Cash back, points and miles aren't treated as income, meaning credit card rewards aren't taxable.

Can you use business credit card rewards for personal use?

Technically, yes you can use a business credit card to make personal purchases. But this is generally not advisable for a couple of reasons.

First, your card agreement might specify that your card is only to be used for business purposes. So charging personal spending could violate your card agreement terms.

And second, mingling business and personal spending can make filing your business taxes tricky if you're not keeping track of purchases. You could run the risk of missing out on a tax deduction or claiming personal expenses as business expenses, both of which could complicate your tax filing.

What is the best business credit card for rewards?

There is no one-size-fits-all answer to this question. Ultimately, the best business rewards credit card is the one that fits your business's spending needs and habits, while matching up with what you want to pay in terms of the annual fee and APR.

What is the best credit card for new businesses?

For new small businesses, you likely have a smaller budget and fewer operating expenses than most established companies. Therefore, we recommend checking out our top picks for small businesses, as we've highlighted top cards that are better suited based on low (or no) annual fees, a promotional APR offer or other similar incentives.

What are the benefits of business credit cards?

By putting your operating expenses on a business credit card, you can separate your personal finances from your business finances. This helps you stay on top of your monthly expenses, thanks to many tracking tools and reports you'll receive through your credit card. Furthermore, you'll likely earn rewards on your purchases that you can use toward cash back, travel and other redemption options.

How do business credit cards work?

Business credit cards operate the same way that consumer cards do. The only difference is that business credit cards will keep your finances separate from your personal finances, helping you stay on top of your business.

Can you apply for a business credit card without a business?

Yes. You do not need to be a full-time business owner to open a business credit card. Even without a traditional brick-and-mortar business, many people can actually qualify for a business credit card — including sole proprietors, having a side hustle or a freelancing gig.

The information related to The Business Platinum Card® from American Express and Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Rebecca Lake is a freelance writer and blogger specializing in personal finance, investing and small business. She began writing in 2014 and her work has appeared on Forbes Advisor, U.S. News & World Report, Bankrate and Nerdwallet.

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.

Advertiser Disclosure: The products that appear on this site may be from companies from 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). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).