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.
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 Ink Business Preferred® Credit Card offers 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM. 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 TravelSM. 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:
Cash BackTransferrable PointsHybrid RewardsLoyalty Rewards
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
Capital One Spark Miles for BusinessCapital One Spark Cash for BusinessInk Business Preferred Credit CardBusiness Platinum Card from American ExpressCitiBusiness AAdvantage Platinum Select MastercardDelta Skymiles Gold Business American Express CardDelta Skymiles Platinum Business American Express CardSouthwest Rapid Rewards Premier Business Credit CardSouthwest Rapid Rewards Performance BusinessUnited Business CardHilton Honors American Express Business CardMarriott Bonvoy Business American Express Card
 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. You'll earn: • 2 Miles per $1 on every purchase, everywhere. • 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Receive up to a $120 credit for Global Entry or TSA PreCheck 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 Capital One Spark Cash offers a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening. You're able to earn an unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Free employee cards, which also earn unlimited 2% cash back on all purchases Rewards won't expire for the life of the account, and you can redeem your cash back for any amount This card does come with no foreign transaction fees and $0 annual fee for the first year; $95 after that. |
The Ink Business Preferred® Credit Card offers 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM. 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 TravelSM. 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 250,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. You'll earn: • 5X Membership Rewards Points on Flights, and Prepaid Hotels Booked through AmexTravel.com. • 1X points on other eligible purchases. • 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals. • $199 CLEAR Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR Plus Membership (subject to auto-renewal) when you use the Business Platinum Card. • NEW! Make the Business Platinum Card work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
 The Delta SkyMiles® Gold Business American Express Card offers 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. • 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. • 1 Mile on every eligible dollar spent on other purchases. Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year. This card carries a $150 annual fee ($0 introductory annual fee for the first year, then $150) (See Rates & Fees). However, there are no foreign transaction fees and you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year. Terms and limitations apply. |
 The Delta SkyMiles® Platinum Business American Express Card offers 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles At Delta Per every eligible dollar spent on purchases made directly with Delta and hotels. • 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more on up to a total of $100,000 purchase categories per calendar year per Card Account. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. • 1X mile on every eligible dollar spent on other purchases. Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers. Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Receive a fee credit for TSA PreCheck or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge. Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. This card does carry a $350 annual fee. (See Rates & Fees). Terms and limitations apply. |
 The Southwest® Rapid Rewards® Premier Business Credit Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn • Earn 3X points on Southwest Airlines purchases. • Earn 2X points on Rapid Rewards hotel and car partners. • 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. Member FDIC |
 The Southwest® Rapid Rewards® Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. This card earns • Earn 4X points on Southwest purchases. • Earn 3X points on Rapid Rewards hotel and car partners. • 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! Member FDIC Learn more about this card and its features here. |
 The United℠ Business Card offers 100,000 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 on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. • 1x mile on all other purchases. The card does carry a $99 annual fee. You're able to save up to $160 per round-trip with a free checked bag (terms apply). 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 United flight purchases of $100 or more. Member FDIC |
 The Hilton Honors American Express Business Card has a welcome offer of 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 4/29/2025. You'll earn: • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. • Enjoy up to $240 back each year (in the form of statement credit) for eligible purchases made directly with Hilton. • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club program is required. Terms apply. • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. This card has a $195 annual fee. (See Rates & Fees) Terms & Limitations Apply. |
 The Marriott Bonvoy Business® American Express® Card offers 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate. You can enjoy a complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card. You'll earn: • 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. • 4x points for purchases made at restaurants worldwide, 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 hotels participating in Marriott Bonvoy. 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
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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.
