Being a business owner will mean you should consider a small business rewards credit card. These types of cards are great for you to get access to credit for funding your company purchases. Normally, you’ll be able to spend and save money will building up rewards as you do it.
Remember, business credit cards aren’t just for big businesses with the usual storefronts. If you’re eligible for a business card as an independent contractor or freelancer, you can still qualify. Just have your social security number as your business tax ID and your name as the business name when you apply for one. However, keep in mind that not all business credit cards are made the same.
Check out our list of best credit card bonuses here.
Read below for more information on the best business credit cards there are to offer.
Table of Contents
Best Business Credit Cards Summary
| Capital One® Spark® Miles For Business | Best for everyday business spending |
| Capital One® Spark® Cash For Business | Best for cash back rewards |
| Ink Business Preferred® Credit Card | Best for bonus categories |
| The Business Platinum Card® From American Express | Best for travel perks |
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® | Best for American Airlines flyers |
| Delta SkyMiles® Gold Business American Express Card | Best for occasional Delta flyers |
| Delta SkyMiles® Platinum Business American Express Card | Best for frequent Delta flyers |
| Southwest Rapid Rewards® Premier Business Credit Card | Best for occasional Southwest flyers |
| Southwest Rapid Rewards® Performance Business Credit Card | Best for frequent Southwest flyers |
| UnitedSM Business Card | Best for United flyers |
| The Hilton Honors American Express Business Card | Best for Hilton travelers |
| Marriott Bonvoy BusinessTM American Express® Card | Best for Marriott travelers |
 The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
Types of Business Rewards
Here are some of the different types of rewards you can earn from using a business credit card:
The easiest and most straightforward type of business cards are the ones that offer cash back. These business credit cards give a percentage back towards each purchase you make with them. Then, you’ll be able to redeem your rewards at a fixed value. Additionally, these cash rewards come with lots of flexibility rather than points and miles.
With transferrable points, they are rewards currencies that are specific to the type of issuer. Normally, you’ll be able to transfer towards partner loyalty programs to optimize the value. This rewards card will come with the most value since they offer flexibility and redemption options.
Good examples of transferable points are:
This is one of the newer forms of rewards that people use nowadays. With hybrid cards, they are able to earn you cash back and convert their cash rewards into more valuable currencies.
Furthermore, an example of this card will be the Ink Business Cash Credit Card. You will be able to earn cash back and if you pair it with the Ink Business Preferred Card, you can convert it into Chase Ultimate Rewards points.
Usually, business credit cards will be able to earn points or miles towards a specific loyalty program. It normally comes with brand-specific benefits such as: free checked bags (airline cards), or complimentary elite status (hotel cards). With a loyalty program, currencies will not be as flexible as transferable points. However, they can come with lots of great value.
What We Considered
We took into account of what factors you should be looking for when searching for the right business rewards credit card. Here’s a complied list of those factors below:
- Welcome Bonus
- Earning potential
- Annual fees
- Extra perks
- Transfer partners
- Rates and fees
- Point values
- Rewards flexibility
- Rewards simplicity
Best Business Credit Cards
 The Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy and you can earn 2 miles per $1 on every purchase. And 5X miles on hotel and rental car bookings through Capital One TravelSM using a Spark Miles card There is an annual fee of $95, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. |
The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
 The Business Platinum Card® from American Express has a welcome offer of 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% - 22.99% based on your credit worthiness and other factors as determined at the time of account opening. You'll earn: • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. • 1.5X Membership Rewards points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. • 1X points for each dollar you spend on eligible purchases Get $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
 The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. You'll earn: • 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations • 1 AAdvantage® mile per $1 spent on other purchases • 1 Loyalty Point for every 1 eligible mile earned from purchases This card comes with an annual fee of $99 (waived for first 12 months), however, there are no foreign transaction fees. To offset the annual fee, your first checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line. And you'll get 25% savings on American Airlines inflight Wi-Fi when you use your card. |
 The Delta SkyMiles® Gold Business American Express Card offers 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership. You'll earn 2X miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on purchases. This card carries a $99 annual fee ($0 introductory annual fee for the first year, then $99) (See Rates & Fees). However, there are no foreign transaction fees and you can take $100 off your next Delta flight - after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel. Terms and limitations apply. |
 The Delta SkyMiles® Platinum Business American Express Card offers 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. You'll earn 3X miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year; & 1X mile on every eligible dollar spent on other purchases. With Status Boost, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. This card does carry a $250 annual fee. (See Rates & Fees). Terms and limitations apply. |
 The Southwest Rapid Rewards Premier Business Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open in addition to 6,000 bonus points after your Cardmember anniversary. You'll earn • NEW! Earn 3X points on Southwest Airlines(R) purchases. • Earn 2X points on Rapid Rewards(R) hotel and car partners. • NEW! Earn 2X points on rideshare. • 1 point per $1 spent on all other purchases. This card does carry a $99 annual fee and there are no foreign transaction fees. |
 The Southwest Rapid Rewards Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases in the first 3 months. This card earns • NEW! Earn 4X points on Southwest(R) purchases. • Earn 3X points on Rapid Rewards(R) hotel and car partners. • NEW! Earn 2X points on rideshare. • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases. In addition, you can score 9,000 bonus points after your Cardmember anniversary, get 4 upgraded boarding passes per year, and more! Learn more about this card and its features here. |
 The United Business Card offers 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. You can also receive 5,000-mile better-together anniversary bonus when you have the United Business Card and a personal United credit card. You'll earn 2X miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; 1X mile per $1 spent on all other purchases. The card does carry a $0 intro annual fee for the first year, then $99. You're able to save up to $140 per round-trip with a free checked bag. In addition, you can enjoy priority boarding privileges and have the opportunity for two one-time United ClubSM passes each year — Over $100 in value per year. Also, enjoy $100 annual United travel credit after 7 flight purchases of $100 or more. |
 The Hilton Honors American Express Business Card has a welcome offer of 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022. You'll earn 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases. Terms & Limitations Apply. In addition, you can enjoy complimentary Hilton Honors 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. This card has a $95 annual fee. (See Rates & Fees) Terms Apply. |
 The Marriott Bonvoy BusinessTM American Express® Card offers 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. You can enjoy a complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year. You'll earn 6x points at hotels participating in the Marriott BonvoyTM program, 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, & 2x points on all other eligible purchases. You'll receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees. This card does carry a $125 annual fee. (See Rates & Fees) Terms Apply. |
Additonal Guides
Here are some extra guides to help you find the best credit card suited for your needs.
- Best Airline Credit Cards for Travel Benefits and Rewards.
- Hotel Credit Cards for Travel Benefits + Rewards.
- Travel Credit Cards: Rewards and Benefits.
- Best Travel Rewards Credit Cards for Family Vacations.
- Credit Cards with No Foreign Transaction Fees.
- Best Rewards Credit Cards: Cash, Points, Miles, & Benefits
- Cash Back Credit Cards: Welcome Bonuses, Rewards
- Best Dining Credit Cards: Restaurant Points, Rewards & Cash Back
- Grocery Credit Cards: Co-Branded, Cashback & Rewards
- Best Small Business Credit Cards: Points, Miles & Rewards
Conclusion
Not every business credit card comes with the same benefits and rewards systems. This is why we made a list showing the basic rewards programs that most business cards have to offer.
Try to find a business credit card that matches your spending habits and categories to get more bang for your buck. Furthermore, be sure to check the rewards rates, perks, and fees to see if the card is perfect for you.
