Credit Cards
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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 see our disclosure page.

Best Small Business Credit Cards of 2018

As a entrepreneur with a small enterprise, you probably have one or more credit cards to pay for office supplies or other routine expenses and to help provide some short-term financing. If you don’t yet have a small-business card, getting one will allow you to better separate your personal and business spending, and better manage, and benefit from, your business spending. The small business cards we recommend below, culled from among 50 offered by the 10 largest credit card issuers, best deliver on some popular priorities for a small-business card. Other factors we considered include their annual fees, if any, and their flexibility to accommodate multiple employees.

Our Top Business Rewards Credit Cards

If your business is looking for a new credit card, we've compiled a list of our favorites with a breakdown of which companies these cards would be best for. If you want a more personalized recommendation based on your company's spending, check out our comparison tool below.

Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card can be one of the most rewarding small-business credit cards, provided your company's expenditures align well with its rewards categories. Cardholders can earn a 3.75% rewards rate on expenditures for travel, advertising (social and search engine), internet and phone services, and shipping —limited to the first $150,000 in combined spending across these categories annually. All other spending earns a 1.25% rewards rate. While the card's $95 annual fee puts a dent in its potential returns, you’ll still break even after spending a relatively modest $2,533 a year in the card's primary reward categories. Beyond that, spending up to the allowed maximum in the card’s featured rewards categories would earn you $5,500 or so.

As an added sweetener, the Ink Business Preferred℠ Credit Card has one of the best signup bonuses around. You receive 80,000 bonus points after you spend $5,000 on purchases within the first three months after you open the account. We estimate the value of those 80,000 Ultimate Rewards points at $1,000, provided you spend them on travel rewards.

Ink Business Preferred℠ Credit Card cardholders have the ability to transfer their rewards points to one of 10 different loyalty programs (listed below). This feature greatly increases the flexibility of your rewards, and adds to the card's utility by allowing you to use points earned through the Ink Business Preferred℠ Credit Card to offset your business’s travel costs.

Chase Ultimate Rewards Transfer Partners
Marriott Rewards® Virgin Atlantic Flying Club United MileagePlus® Southwest Airlines Rapid Rewards®
British Airways Executive Club Korean Air SKYPASS Singapore Airlines KrisFlyer The Ritz-Carlton Rewards®
Hyatt Gold Passport® IHG® Rewards Club

In addition to its rich rewards, he Ink Business Preferred℠ Credit Card allows entrepreneurs and managers the ability to individually monitor all the cards in the account, which provides an efficient tool with which to manage expenses--not to mention overspending employees. You can, for example set individual spending limits on employees’ cards and tag their receipts.

Highlights

  • Rewards rate of 3.75% on select purchases
  • 80,000 bonus points after spending $5,000 on purchases in the first three months after account opening (estimated value: $1,000)
  • No foreign transaction fees
  • Ink Business Preferred℠ Credit Card Review

Ink Business Cash℠ Credit Card: Best For Businesses Most In Need Of Low Interest Rates

The Ink Business Cash℠ Credit Card is one of the few business credit cards to offer a 0% introductory APR period. You get a 0% fixed APR for the first 12 months on both purchases and balance transfers. While this provision can help you reduce interest payments on any outstanding credit card debt, there is a one-time 5% transaction fee when you transfer a balance onto the card. Despite this, it is still likely to save most business owners a significant amount of money, compared with interest you are paying elsewhere.

Once the intro APR period runs out, the Ink Business Cash℠ Credit Card still offers a low interest rate—one that is especially competitive when compared with most other business credit cards.

As far as the rewards, the Ink Business Cash℠ Credit Card earns cardholders 5% cash back at office supply stores and on spending with cellular phone, landline, internet and cable services for the first $25,000 in combined annual spending. You also receive 2% cash back at restaurants and gas stations, with the same annual limit we mentioned earlier. All other purchases earn just 1% cash back. While that default percentages is low, this card’s specialized 5% and 2% cash back provisions are among the most generous rewards for cards that have no annual fee.

Highlights

Starwood Preferred Guest® Business Credit Card: Best For Businesses With High Travel Expenses

For businesses that have substantial travel expenses, the Starwood Preferred Guest® Business Credit Card from American Express is another top notch offer. Like its consumer counterpart, the SPG Business Credit Card helps cardholders earn rewards points that are part of one of the most valuable loyalty program around—Starwood Preferred Guest Starpoints. We value these loyalty points at between 2.2 and 2.4 cents per point, which is a high value compared to most travel programs. Your company can use its accumulated Starpoints to book stays at any hotel in the Starwood Portfolio, which includes such chains as Westin, St. Regis, W Hotels, and Sheraton, or transfer them to one of more than 33 different airline frequent flyer programs, usually at a generous 1:1 ratio. These features are what make the Starwood cards some of our favorite hotel credit cards for consumers and enterprises alike.

Airline Transfer Ratio Airline Transfer Ratio
Aeromexico Club Premier 1:1 Etihad Airways 1:1
Aeroplan / Air Canada 1:1 Flying Blue 1:1
Air Berlin 1:1 Gol Smiles 2:1
Air China 1:1 Hainan Airlines 1:1
Air New Zealand & Air Points 65:1 Hawaiian Airlines 1:1
Alaska Airlines 1:1 Japan Airlines 1:1
Alitalia MilleMiglia 1:1 LAN Airlines 1:1.5
All Nippon Airways (ANA) 1:1 Miles and More (Lufthansa) 1:1
American Airlines AAdvantage 1:1 Qatar Airways 1:1
Asia Miles 1:1 Saudi Arabian Airlines 1:1
Asiana Airlines 1:1 Singapore Airlines 1:1
British Airways 1:1 Thai Airways International 1:1
China Eastern Airlines 1:1 US Airways 1:1
China Southern Airlines 1:1 United Mileage Plus 2:1
Delta Air Lines 1:1 Virgin Atlantic 1:1
Emirates Skywards 1:1 Virgin Australia 1:1

The overall rewards rate with this card is most advantageous when the card is used to pay for stays at Starwood hotels, when it comes in about 4%.

Since the card is issued by American Express, the Starwood Preferred Guest® Business Credit Card from American Express is enrolled in American Express OPEN, and so allows you access to all the benefits that come with that program. Most notable among these is the additional discount Amex OPEN cards provide with certain partner merchants, including FedEx and Hertz. The discounts can be as high as 5%, though they are subject to limits and other conditions that we recommend you study before you choose the card, to determine how they might apply to your company’s spending.

Note: As a result of the merging of the the Starwood, Marriott and Ritz-Carlton reward programs, the features of this card will be changing on August 1, 2018.

Highlights

  • Rewards rate of between 2.4% and 4.8%
  • Earn a $100 statement credit after you use your new card to make $1,000 in purchases within the first three months and an additional $100 statement credit after your first Starwood or Marriott hotel purchase within the first 6 months.
  • American Express OPEN Savings benefits can provide an additional 5% discount with select merchants
  • Starwood Preferred Guest® Business Credit Card from American Express Review

The Capital One® Spark® Cash for Business: Best Cash Back Rewards Business Credit Card

The Capital One® Spark® Cash for Business is the ideal card for company owners who want the balance of flexibility and above-average rewards that a generous cash back card provides. This card is best for businesses that spend at least $19,000 annually on their company credit card. At that level of spending, the rewards on the Capital One® Spark® Cash for Business will outweigh those from the other cards we recommend, despite the card’s $95 annual fee, which is waived in the first year.

While the rewards can be more generous with some other rewards cards, your business must fit a specific spending and redemption profile to receive those higher benefits. The Capital One® Spark® Cash for Business is a more flexible option, since to realize the maximum benefit from the card doesn’t require your firm’s staff to travel a lot or the company to have hefty bills for office supplies. The card’s 2% rewards rate on all purchases, with no annual dollar limit, is among the most generous among a relatively small group of flat-rate cash-back cards.

One task the Capital One business credit cards don’t facilitate as readily as those of some other issuers we've examined is account management. This card offers no ability to monitor authorized users by setting individual limits, for example, nor is there a feature that allows you track spending on an item-by-item basis. Instead, Capital One sends only quarterly and year-end summary reports on the charges. That said, however, such reporting may suffice for some small-business owners, such as those with few or no employees, who don't need to exercise tight control over their P&L.

Highlights

SimplyCash® Plus Business Credit Card from American Express: Most Flexible Business Credit Card

While most of the cards on this list come with reward categories the issuer picks, the SimplyCash® Plus Business Credit Card from American Express allows you to decide the purchases on which you will earn 3% cash back. The card comes with a standard 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores, on up to the first $50,000 in spending. Businesses can also select one category among eight where they will earn its 3% cash back, also up to a separate annual maximum of $50,000. These choices 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

Two of these choices, advertising and shipping, are categories that we have not seen other cards reward quite so generously. If your firm spends heavily in these areas, then, this card will provide some of the best returns you’ll enjoy from any source. Since the SimplyCash® Plus Business Credit Card from American Express also doesn't have an annual fee, the rewards you earn through represent pure savings, as long as you pay your balance in full each month.

Like the SPG Business card, the SimplyCash® Plus Business Credit Card from American Express is in the Amex OPEN family of cards. As a result, you can enjoy account management features and OPEN Savings that can provide you with discounts of as much as 5% at select merchants. These discounts will stack on top of the ones you receive from the SimplyCash® Plus Business Credit Card from American Express, which means you can get a rewards rate as high as 10%.

Highlights

Summary Of The Best Business Credit Cards

Card Welcome Bonus Annual Fee Best For Companies That…
Ink Business Preferred℠ Credit Card 80,000 bonus points after you spend $5,000 on purchases in the first 3 months $95 Have heavy travel, shipping, or advertising expenses
Starwood Preferred Guest® Business Credit Card from American Express Earn a $100 statement credit after you use your new card to make $1,000 in purchases within the first three months and an additional $100 statement credit after your first Starwood or Marriott hotel purchase within the first 6 months. $0 introductory annual fee for the first year, then $95 Have Travel Expenses
Capital One® Spark® Cash for Business Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months from account opening $0 intro for the first year, $95 after that Want The Best Cash Back Rewards
Ink Business Cash℠ Credit Card $500 bonus cash back after you spend $3,000 on purchases in the first three months $0 Need Low Interest
SimplyCash® Plus Business Credit Card from American Express $250 statement credit after you spend $5,000 or more in qualifying purchases on your card within the first six months $0 Want Flexibility

How to Choose The Best Small Business Credit Card

In some ways, choosing a small-business card involves many of the same considerations as for a personal card. And you’ll see many of the same basic choices--cards that offer low interest rates but few other features, those that are rich with rewards for particular kinds of spending, and those that emphasize rebates. Yet some factors that may barely register when you choose a personal card may become key drivers of your business-card decision, such as how many employees can carry cards under the account, and for how much in fees.

Here’s a step-by-step guide through the considerations you should make in winnowing down a choice of business cards that’s almost as wide as the panoply of personal cards on the market.

Identify the best card type for you

Typically, a business often wants its credit card to help its fulfill a laundry list of company goals. To narrow down your choice of cards, then, you need to decide which goal you most want the card to support. That, in turn, will guide you to cards that maximize certain features or financial advantages.

Business cards vs. personal cards vs. corporate cards

Before you dive into choosing among the various flavors of business card, it’s worth considering how these cards compare overall with the two other major categories of credit card, consumer cards and corporate ones.

In many ways, small-business credit cards resemble consumer credit cards. As with consumer cards, qualifying for a business credit card is based on your personal credit history, and many of the top issuers offer rewards, cash back or points for charging purchases. And some categories of card, notably the rewards ones, have cards with and without annual fees.

In contrast with their approvals for corporate cards, credit card issuers do not consider the finances of your business when you apply for a business credit card, which makes them a popular choice for startups. However, this fact also means that you’re risking your personal credit if your business falters and you get behind on the card's payments.

Further, you have less protection against hikes in the interest rates you pay with a business card compared with a consumer one. Since 2010, credit card issuers have been able to raise your APR only if your account has been delinquent for 60 or more days, or if the prime rate changed. With a small-business card, on the other hand, issuers have so such restrictions; the rate may be raised at any time for almost any reason. That reality makes it vital for business owners to study the card's policies, not least for how and when your APR might change.

Low-interest credit cards

As with personal cards, we advise business owners to avoid carrying a credit card balance from month to month, if at all possible. We also realize, however, that for many small businesses this may not be possible at all times, and a business card can serve as a helpful credit source when expenses surge or collections falter in any given month.

How often you carry a balance, and its typical size, will help determine whether a low-interest card makes the most sense to you, and which one to choose. If you regularly keep a large balance, such as a sizeable capital expense that your company is paying off over multiple months, interest rates should be your only priority, and a card with the very lowest interest, regardless of its rewards (or lack thereof), will likely make the most sense for you.

The most generous of low-interest cards are arguably those that offer low interest on balances that accrue in two different ways. The first is through spending on the card itself. These 0%-interest cards can provide your company with no interest on your balance for some promotional period of time. But these doubly low-interest cards also offer 0% interest on balances you transfer to them from other card. Such cards are very rare among small business cards. Among the 44 cards we surveyed, we only found two cards with such an offer — the The Blue Business℠ Plus Credit Card from American Express and the Ink Business Cash℠ Credit Card were among the few that did.

Many business credit cards can be both a rewards card and a low interest card. In fact, out of the dozens of cards we surveyed, at least 10 have both a rewards program—and 0% interest for a certain introductory period as a secondary attraction. These cards, some of which we include in our low-interest recommendations, may be a good choice is you carry a balance only occasionally, and temporarily. For example, if you're only going to need low interest rates for a few months, you don't necessarily need to go with the card that provides 15 months of no interest, but paltry rewards. Find the right balance that works for you.

Beyond the introductory rates, it's also important to consider a credit car's ongoing interest rate. The average interest rate on small business credit cards is approximately 15.37%. Cards that offer between 10% and 13% are generally the best choices.

Showing the 0% intro APR period for the best small business credit cards.

Rewards credit cards

Small businesses often spend heavily in a few key areas, and it makes sense to consider a card that allows you to make the most of those purchases, especially if you don’t plan to carry a hefty balance on the card from month to month.

To earn the most rewards, you need to match a credit card to how (and where) your company tends to spend the most money that is “rewardable.” For example, some cards are more rewarding on travel-related expenses, while others will give higher returns on office supplies. If you're not sure which direction to go in, we recommend using our comparison tool.

Airlines, hotel, car rentals, and generic travel If you or a significant number of your employees travel on a consistent basis, consider a travel rewards business card. Hotel cards such as the Starwood Preferred Guest Business are generally the leaders in this category. Airline cards have additional perks, such as lounge access and complimentary baggage fees that add value the more frequently they are used.

Office Supplies, Utilities, And Incidental Expenses: Unlike personal cards, many business cards carve out additional points and rebates for spending on office-related expenses. Depending on the card, these categories may include office supply stores or internet and phone service. Some cards also offer increased rewards for gas and dining. Dining rewards are appropriate for companies that may entertain clients on a frequent basis.

Cashback cards

As a rule, rewards cards will offer the best bang for your buck in the category or categories of spending in which they specialize. But if those aren’t major spending categories for your business, you may benefit more from a card that simply rebates cash back to your business on all your transactions. While the net rewards are typically lower, you're getting more flexibility here. We modeled rewards for several hypothetical small business budgets, subtracting the annual fees from the rewards collected. In each case, most of the top ten business cards ended up being a point/miles card instead of a cash back card. Here is one such result.

How the cash back and rewards business credit cards compare to one another in terms of rewards.

As we said, what cash back cards lose in raw value, they make up for in flexibility. You can always use cash back, but having 50,000 airline miles is only useful if you need to pay for a flight. However small their contribution, cash back rewards can always help with your cash flow.

What Cards Do You Qualify For?

Keep in mind that your credit score (or your company's credit score) will have an impact on your rates and the offers you can qualify for. The best of the best are usually only available to those with good/excellent credit scores (FICO above 720). Some business cards are available to business owners with low credit scores, but those are usually poor deals. Low-credit score business cards don't have rewards programs and charge very high interest rates. Consider these only if you're interested in building your credit score.

If you're not the sole proprietor of your business, have the person with the best credit score act as the personal guarantor on the account. That way, you will be approved for the lowest rates possible. Most startups won't yet have a business credit score, so this will be the required course of action.

Consider The Fees And Limitations of Some Cards

While interest rates and rewards often drive your card decision, you shouldn’t overlook the possible fees some cards impose, as well as the limits they may impose on the number of cards the company can carry.

Annual Fees and When It Makes Sense to Pay Them

This section should just talk about/explain how paying an annual fee is sometimes worthwhile. Again, if you're running a tiny business and only occasionally spend (less than $12k per year), you should avoid cards with annual fees.3) Consider whether paying an annual fee makes sense. While it may be tempting to avoid annual fees, you should think of a business credit card like an investment. If you get enough of a return, the extra fee may be a worthwhile investment. It all comes down to the net returns. Consider both annual and no annual fee credit cards, and compare them from that perspective.

Fees for Employee Cards

If your business has multiple employees that need access to a credit card, then fees associated with additional cards will be a concern. The cards in our list allow employee cards at no extra cost. However, this isn't always the case. Based on the size of your firm and the number of cards that you require, take into account all of these costs. The total fees can add up, reducing how much value you actually get out of your credit card.

Limits on Total Card Users

Most small-business credit cards will have limits on the number of authorized users you can add onto your account. Have a number in mind before you apply for a particular card, and check with the issuer to see if it will be able to accommodate your company's needs. If your firm is large (that is making over $500,000 in annual revenue) enough, you may need to consider getting a corporate credit card account instead.

In order to keep a handle on employee spending, check that the cards you're looking at offer management features. American Express and Chase business cards, for example, offer account management that lets you cap spending on individual cards. With large amounts of cards in circulation under your company name, you will want to make sure you have a reliable way to see the way your funds are being allocated.

Compare The Best Business Credit Cards

To help you compare cards for your business, we've built a handy model/visualization that will help you determine how different options will perform.

Assumptions Based On Monthly Spend of: $2,000 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
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. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome 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. All estimates are based on the spend assumptions entered above (which you can edit).

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 welcome 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 and on the spend assumptions entered above (which you can edit).

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
$99 3.41%
$1,020
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
$1,638
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99
APR 17.49% - 24.49% Variable

Card Details

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending
  • Employee cards at no additional cost
  • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
  • No foreign transaction fees
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$0 Intro Annual Fee for the first year then $95 2.84%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,363
Graph Card Read Review More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Capital One® Spark® Cash for Business
$0 intro for first year; $95 after that 2.84%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 18.49% (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.

Capital One® Spark® Miles for Business
$0 intro for first year; $95 after that 2.84%
$500
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months
$1,365
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 18.49% (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.

United MileagePlus® Explorer Business card
Image of United MileagePlus® Explorer Business card $0 Intro Annual Fee for the first year then $95 2.85%
$600
$1,369
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
U.S. Bank FlexPerks® Business Edge™ Travel Rewards
$0 Intro Annual Fee for the first year then $55 3.14%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 2.41%
$100
Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
$1,157
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.024 = $1,152
Bonuses
0 x $0.024 = $100
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,157

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Club Carlson Business Rewards Visa Card
$60 2.26%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Ink Business Cash℠ Credit Card
$0 4.04%
$500
Earn $500 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
$1,940
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $500
Total Net Estimated Rewards Through 24 Months 1,940

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 20.74% Variable

Card Details

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • 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
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
WorldPoints® Travel Rewards for Business Visa® Card
Image of WorldPoints® Travel Rewards for Business Visa® Card No Annual Fee 2.13%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Gold Delta SkyMiles® Business Credit Card
$0 introductory annual fee for the first year, then $95 1.91%
$390
Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within the first 3 months.
$919
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.013 = $624
Bonuses
30,000 x $0.013 = $390
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 919

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within the first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Platinum Delta SkyMiles® Business Credit Card
$195 1.84%
$455
Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
$884
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.013 = $624
Bonuses
35,000 x $0.013 = $455
Less Annual Fees -$195
Total Net Estimated Rewards Through 24 Months 884

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $195
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • See Rates & Fees
Capital One® Spark® Cash Select for Business
$0 1.92%
$200
One time bonus of $200 once you spend $3,000 in the first 3 months
$920
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 22.49% (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; 14.49% - 22.49% 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.

Capital One® Spark® Miles Select for Business
$0 1.92%
$200
One time bonus of 20,000 miles once you spend $3,000 in the first 3 months
$920
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 22.49% (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; 14.49% - 22.49% 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.

Alaska Airlines Visa® Business Card
Image of Alaska Airlines Visa® Business Card $75 1.64%
$360
Earn 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
$786
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
30,000 x $0.012 = $360
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 786

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 13.49% to 20.49% Variable

Card Details

  • Earn 30,000 bonus miles and Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) after you make $1,000 or more in net purchases within the first 90 days of your account opening
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America and 1 mile for every $1 spent on all other purchases
  • Get another Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com. There are no blackout dates
  • Free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation
  • No foreign transaction fees
  • Annual Fee is based on billing type selected at time of application (see terms and conditions for additional details)
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 2.42%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
SimplyCash® Plus Business Credit Card from American Express
$0 3.52%
$250
Earn a $250 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 $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
$1,690
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Spent Cash Back Rewards Value
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $250
Total Net Estimated Rewards Through 24 Months 1,690

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Special Offer: Earn up to $500 cash back
  • Earn a $250 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 $250 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
Marriott Rewards® Premier Business Credit Card
Image of  Marriott Rewards® Premier Business Credit Card $99 1.49%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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.
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.36%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$652
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Asiana Visa® Business Card
Image of Asiana Visa® Business Card $80 1.36%
$140
10,000 bonus miles after your first purchase
$652
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $80
APR 13.24%

Card Details

  • 2 miles per $1 spent on purchases from Asiana Airlines
  • 1 mile per $1 everywhere else
CitiBusiness ThankYou® Credit Card
Image of CitiBusiness ThankYou® Credit Card No Annual Fee 1.31%
$150
Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
$630
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
U.S. Bank Business Edge™ Select Rewards Card
Image of U.S. Bank Business Edge™ Select Rewards Card $0* 1.21%
$100
Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account
$580
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
American Express Hilton Honors Business Credit Card
$95 1.10%
$0
$530
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 144,000 x $0.005 = $720
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 530

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.24%-26.24% Variable
*Rates and Fees

Card Details

  • Earn up to 100,000 Hilton Honors Bonus Points.
  • Earn 75,000 Bonus Points after you spend $3,000 in purchases on your Card in the first 3 months of Card Membership, and 25,000 Bonus Points after you make another $1,000 in purchases on your Card in your first 6 months.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business &Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card. ‡
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. ‡
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. ‡
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries. ‡
  • Terms apply.
  • See Rates & Fees
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.19%
$120
10,000 bonus points after the first purchase
$571
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Blue Business℠ Plus Credit Card
$0 1.00%
$0
$480
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.01 = $480
Total Net Estimated Rewards Through 24 Months 480

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 12.74% - 20.74% 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 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 2.00%
$0
$960
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Capital One® Spark® Classic for Business
$0 1.00%
$0
$480
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.49% (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.

Business Green Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $95 0.91%
$50
5,000 points after your first purchase
$435
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 0.95%
$75
15,000 bonus miles after the first purchase
$456
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 0.95%
$0
$455
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Business Secured Visa® Credit Card
$0 Intro Annual Fee for the first year then $40 0.92%
$0
$440
Graph Card More Details and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $40
APR 16.49%

Card Details

Ink Business Preferred℠ Credit Card
$95 2.94%
$1,000
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
$1,410
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.013 = $600
Bonuses
80,000 x $0.013 = $1,000
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,410

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.49% - 22.49% 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 on travel and select business 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
The Plum Card® from American Express OPEN
$0 introductory annual fee your first year, then $250 0.98%
$0
$470
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 72,000 x $0.01 = $720
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 470

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
The Business Gold Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $175 1.78%
$500
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
$853
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 52,800 x $0.01 = $528
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$175
Total Net Estimated Rewards Through 24 Months 853

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Platinum Visa® Business Credit Card
No Annual Fee 0.21%
$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 and Value Calculation

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
Delta Reserve for Business Credit Card
$450 0.33%
$480
Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
$156
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.012 = $576
Bonuses
40,000 x $0.012 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 156

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.‡
  • Complimentary Delta Sky Club® Access.‡
  • Terms and limitations apply
  • See Rates & Fees
Business Edge™ Platinum
Image of Business Edge™ Platinum $0* 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

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
The Business Platinum® Card from American Express OPEN
$450 -0.88%
$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 and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

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

*The value estimate is calculated using ValuePenguin.com rewards point value.

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

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.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors™ Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

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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