Business owners know that every penny spent counts. Using a credit card can be a worthwhile strategy when it comes to getting the most out of business transactions.
Business credit cards can offer many benefits. These include rewards or cash back, loyalty points, travel protection and expense management. The key to finding the best business card for you is figuring out what factors are important to your business and determining what you value most: bonuses, cash back, or helping build credit.
Best business credit card
Blue Business® Plus Credit Card from American Express
The American Express Blue Business® Plus Credit Card (conditions apply. See rates and fees.) are attractive because you can earn Membership Rewards points without paying an annual fee. The card also offers introductory APR benefits, allowing new businesses to buy inventory or pay upfront costs and have time to pay it off without interest.
Rewards: 2 Membership Rewards points per dollar on everyday business purchases like office supplies or client meals, first $50,000 of purchases per year, then 1 point per dollar on all other purchases
Welcome Offer: Earn 15,000 Membership Rewards® Points after spending $3,000 on the Card within the first 3 months of card membership.
Annual Fee: No annual fee
Other pros and cons: This card offers an introductory APR of 0% for 12 months from account opening date, followed by variable interest rates of 13.49% – 21.49%. Funds transfers must be made within 60 days of account opening and are subject to a fee of $5 or 3%, whichever is greater. This can be tempting if you’re looking to save on interest with a lower APR, but once the introductory period is over, it’s not a good idea to keep the balance in the long run.
We love the fact that you earn extra Membership Rewards® points for every dollar you spend on everyday business purchases like office supplies or client meals. However, if your business regularly spends more than $50,000 a year, an unlimited card may be a better option. If you want a similar card but with cash back, consider the American Express Blue Business Cash™ Card.
World of Hyatt Business Credit Card
Combining great savings with attractive yields, the World of Hyatt Business Credit Card ranks at the top of our rankings of business hotel cards. With this card, you can earn faster rewards for Hyatt paid nights and all other purchases you make.
Rewards: 4 points per dollar at Hyatt Hotels, through 12/31/22, cardholders earn 2 points per dollar in the first three spending categories per quarter, then in the first two categories per quarter, at the health club 2 points per dollar on gym and gym purchases Membership and 1 point per dollar on all other purchases.
Welcome Offer: Earn 60,000 Bonus Points when you spend $5,000 within the first 3 months of account opening.
Annual fee: $199.
Other pros and cons: The World of Hyatt Business Credit Card makes it easy to collect rewards that can be used for hotel stays in this program. The card offers a $100 rebate on purchases at Hyatt (redeemable to $50 twice a year) and an incentive to spend $50,000 a year on the card: 10% back in redemption points for the remainder of the year (up to 20,000 bonus points) .
The downside to Hyatt is its lack of clout in many smaller markets and much of the world. You won’t find a Hyatt portfolio in many places.
United Club℠ Business Card *
The United Club℠ Business Card* is the brother of the personal United Club Infinite Card with a slightly different income structure. If you typically pay for a United Club membership, the hefty annual fee plus other United perks will far exceed the annual fee. If your business is not near a United hub, this map may not be right for you.
Rewards: Earn 2 miles for every $1 spent on United, including airfare, Economy Plus®, in-flight food, beverages and Wi-Fi, and other United fees; Earn 2 miles per dollar; earn 1.5 miles per dollar on all other purchases
Welcome Offer: Earn 100,000 bonus miles after spending $10,000 in the first 3 months of account opening. Offer ends May 4, 2022
Annual fee: $450.
Other pros and cons: United Club℠ Business Cards* offer numerous benefits, but with a high annual fee. In addition to United Club membership, the Business Club card offers airport VIP access, available seat upgrade award tickets, free first and second checked bags, 25% off in-flight purchases when paying with the card , and the Avis President’s Club.
The card also includes a range of travel and purchase protection coverages, including trip cancellation and interruption coverage, trip delay coverage, luggage loss and damage coverage, luggage delay coverage, rental car coverage, purchase coverage, return coverage and extended warranties.
Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® Credit Card is sold as a cash back card and offers a relatively high cash back rate. When combined with a Chase Ultimate Rewards premium transaction card such as the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, earnings can be used as Ultimate Rewards points to make the card even more valuable. If you want base yield rather than rewards tiers, the Unlimited outperforms the Ink Preferred, as long as you pair it with a card with transferable rewards.
Bonus: 1.5% cash back bonus on every commercial purchase
Welcome Offer: $750 cash back after spending $7,500 within the first 3 months of account opening
Annual fee: $0.
Other pros and cons: Chase Ink Unlimited’s once-and-for-all rewards couldn’t be easier, and it’s a great option if you just want to get a calling card but the rewards vary. However, if you want to unlock the full potential of this card, you must pair it with another Ultimate Rewards trading card with transferable points.
If you’re just looking for the highest cash back rate, another card might offer more value.
Chase Ink Business Premier*
Those who make regular purchases of $5,000 or more may find the rewards potential of Chase Ink Business Premier* hard to beat. You can also earn great rewards for travel booked through the Chase Ultimate Rewards Travel Center.
Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on any purchase of $5,000 or more, and 2% cash back on any other purchase.
Welcome Offer: $1,000 cash back when you spend $10,000 within the first 3 months of account opening.
Annual fee: $195
Other pros and cons: The card offers great uniform rewards, especially for the big bucks. However, those hoping to maximize their redemption value by combining the benefits of this card with another premium Chase Ultimate Rewards card are out of luck. You cannot transfer rewards from this card to another.
Brex 30 cards
The Brex 30 card is one of the few calling cards that doesn’t require a personal guarantee and is an option if you have a lot of assets. If you have at least $50,000 to $100,000 in liquidity, this card might be a good fit.
Rewards: 8 points per dollar for rides, 5 points per dollar for travel booked through Brex Travel, 4 points per dollar for restaurants, 3 points per dollar for recurring software, 1 point per dollar for everything else
Welcome Offer: 30,000 points after spending $3,500 or 50,000 points within 30 days after spending $9,000
Annual fee: $0
Other pros and cons: If you have sufficient assets, the Brex 30 Card does not require a personal guarantee, deposit or credit check. Remember, this is a charge card and not a credit card, which means the balance should be due in full on time each billing cycle.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card offers the opportunity to earn valuable Chase Ultimate Rewards points at an attractive price and impressive bonus offers, making it the #1 choice for business travel. Ultimate rewards are valuable because they are so flexible. You can redeem them directly for travel for 1.25 cents per point through Chase, or transfer them to more than a dozen loyalty programs including United, Southwest and Hyatt.
Rewards: 3 points per dollar on the first $150,000 of the account each anniversary year for travel and select business categories, and 1 point per dollar on all other purchases
Welcome Offer: Earn 100,000 points after spending $15,000 within the first 3 months of account opening
Annual fee: $95
Other pros and cons: “Selected business categories” include shipping, internet, cable and telephone, as well as advertising on social media and search engines. If your business does a lot of online advertising, this card will reward you.
Chase Ink Preferred Ultimate Rewards can be combined with individual Ultimate Rewards points for fast balanced growth.
The card also offers cell phone insurance, limited to 3 claims per year, up to $600 each, with a $25 deductible. This card also offers trip cancellation and interruption insurance, purchase protection and extended warranty coverage if you rent for business reasons (minor if you rent for personal reasons).
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Wells Fargo Business Elite Signature Card*
The Wells Fargo Business Elite Signature Card* is designed for high-volume consumers with up to 200 staff cards per account. Best of all, the 7.49% variable APR buy is worth checking out again if you need to balance after the introductory period.
Rewards: 1.5% cash back per $1 spent, or 1 point per $1 spent, and 5,000 bonus points when the company spends $10,000 or more in any monthly billing cycle
Welcome Offer: $1,000 one-time cashback or 100,000 points after spending $15,000 in the first three months of account opening
Annual fee: $125 annual fee (free for the first year)
Other pros and cons: The Wells Fargo Business Elite Signature Card* has an annual fee of $125 (waived for the first year), but the rewards and interest savings cardholders can get are well worth it.
Remember, the minimum spend threshold for bonus offers is $25,000 over three months. Unless your business spends an average of $8,334 per month, consider a business credit card with easier-to-get bonuses.
Ink Business Cash® Credit Card
If you want a card with no annual fee that gives you valuable rewards, the Ink Business Cash® Credit Card is a great option. This card is sold as a cash back card, but can be combined with the Chase Ultimate Rewards Premium Card to unlock the full value of Chase Ultimate Rewards points. The card also offers you protections not often found on no-annual-fee cards, including primary car rental insurance and purchase protection for your business.
Rewards: 5% cash back on the first $25,000 in office supply store purchases and internet, cable and phone service, and 2% cash back on the first $25,000 in gas station and restaurant purchases per account anniversary year Anniversary year will be issued per account. Earn 1% cash back on all other purchases
Welcome Offer: $750 cash back after spending $7,500 within the first 3 months of account opening
Annual fee: $0
Other pros and cons: Higher premium rates have an annual limit, which may not be ideal for some businesses. While the card is marketed as a cash-back card, it actually earns the ultimate reward. The Ultimate Rewards for the Ink Business Cash® Credit Card must be used in conjunction with a personal Chase Sapphire Preferred® Card or Chase Sapphire Reserve® Points to transfer using an airline partner, each of which may be worth more than 1 cent.
If you’re just looking for a card, the Ink Business Cash Card is still a great option if you spend frequently in the bonus category but don’t think you’ll be breaking the annual cap. If this doesn’t sound like you, you should look elsewhere.
Amazon Business Prime American Express Card*
The Amazon Business Prime American Express Card* offers an unusual opportunity to earn rewards or enjoy an extended payback period of up to 90 days, up to $120,000 per year on select Amazon purchases. You can change your preferences at any time to maximize your premium and/or interest savings.
Rewards: 5% Rewards refund or 90-day period on eligible U.S. purchases with eligible Prime memberships at Amazon Business, AWS, Amazon.com, and Whole Foods Market. The 5% bonus rate applies to the first $120,000 of purchases per calendar year. Earn 2% on U.S. restaurants, U.S. gas stations, and wireless phone service purchased directly from U.S. service providers, and 1% on other purchases
Welcome Offer: Amazon.com Gift Card after Amazon Business Prime American Express Card Approval
Annual fee: $0
Other pros and cons: Amazon Business Prime membership is required to own this card. Business Prime membership prices start at $69 per year for users and go up to $10,999 per year for Business members. Make sure you do the math to make sure Prime membership is right for you.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card (conditions apply, see rates and fees) is a business credit card that allows you to earn rewards without an annual fee. Consider this card if you want to make money without worrying about categories and typically spend $50,000 a year or less.
Bonus: 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%
Welcome Offer: Get a $250 credit after spending $3,000 with your card in the first 3 months
Annual Fee: No annual fee
Other pros and cons: If a business regularly spends over $50,000 a year, it will do better with a card that doesn’t cap its win rate. If you want a similar card but with more flexible rewards than cash, consider The Blue Business® Plus Credit Card from American Express, which is a member of this card for membership rewards.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
The US Bank Business Triple Cash Rewards World Elite™ Mastercard® is one of the few cards that offers a promotional rate on balance transfers: 0% APR initially on purchases and balance transfers within 15 billing cycles, followed by 14.24% – 23 The regular variable APR of .24% . What makes the card even more attractive is the opportunity to collect rewards and welcome offers.
Rewards: 5% cash back on prepaid hotels and rental cars booked directly through the Travel Rewards Center, 3% on eligible purchases at gas and EV charging stations, office supply stores, cell phone suppliers and restaurants Cash back, plus 1% cash back on all other eligible net purchases
Welcome Offer: $500 Cash Back. Simply spend $4,500 on the account holder’s card within the first 150 days of account opening.
Annual fee: $0.
Other pros and cons: U.S. Banking Triple Cash Rewards World Elite™ Mastercard® offers an introductory 0% APR on purchases and balance transfers over 15 billing cycles, then a regular variable APR of 14.24% – 23.24% to save More. With a free employee card and annual software credits, it might be worth keeping the card even after the APR expires.
Our Banking Leverage® Visa Signature® Card
If your business expenses fluctuate from month to month, look for cards like the U.S. Bank Business Leverage® Visa Signature® Card, which offers more rewards for your two main spending categories from up to 48 choices, meaning Many types of consumption are eligible. With little effort, you can earn more for the money you spend every month.
Rewards: 5% cash back on prepaid hotels and rental cars booked directly through the Travel Rewards Center, 2% cash back on the first two levels of each month, and 1% cash back per dollar on all other eligible purchases
Welcome Offer: Spend $7,500 on eligible purchases within the first 120 days of account opening and receive a $750 bonus
Annual Fee: $0 introductory fee for the first 12 months, $95 per year thereafter
Other pros and cons: No need to sign up for rewards tiers or keep track of where you spend the most, as the card automatically adjusts your spending. If your business conducts credit card payments to your customers through the U.S. banking process, you can earn extra points on these transactions. However, if you regularly spend a lot of money in more than two categories, you might do better with a flat-rate rewards card.
Bank of America® Business Advantage Custom Cash Rewards Mastercard® Credit Card
We don’t give bank credit in many of our reviews, but if you live in Bank of America’s ecosystem, Bank of America’s Preferred Rewards Program offers the Bank of America® Business Advantage Custom Cash Rewards Mastercard® Credit Card Advantage. With no annual fee and increased income in your choice of six categories, the card earns even more cash back when you spend up to $50,000 per year in eligible categories.
Rewards: 3% cash back on your chosen category, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. 3% and 2% cash back on the first $50,000 of elective category/restaurant combo purchases per calendar year, and 1% thereafter
Welcome Offer: Earn a $300 online bonus with a minimum net purchase of $3,000 within 90 days of account opening
Annual fee: $0
Other pros and cons: The card offers a decent amount of income for most business owners, but for those who qualify for the top tier of the Preferred Rewards program, it’s best-in-class. Preferred Rewards members earn between 25% and 75% back on every dollar they spend on their Bank of America Rewards Card, based on the total amount in their qualifying accounts.
American Express® Business Gold Card
American Express® Business Gold (Terms apply. See rates and fees.) This is a solid option for business owners who want to maximize their income without overthinking it. American Express automatically offers great rewards for your first two spending categories from a pick list that automatically selects in the areas where you spend the most each month. Many cards offer quarterly or rotating reward tiers, but the American Express Business Gold Card has you covered.
Rewards: 4 Membership Rewards® points per dollar in the 2 selected categories where the company spends the most per month. Earn 1 point per dollar on other purchases. A cumulative rate of 4 points per dollar applies to the first $150,000 of combined purchases from 2 eligible categories per calendar year
Welcome Offer: 70,000 Membership Rewards® Points after spending $10,000 in the first 3 months of account opening
Annual fee: $295
Other benefits and drawbacks: A significant travel benefit of Amex Business Gold is 25% of the points you use to book eligible flights with American Express Travel, up to a maximum of 250,000 points per calendar year. American Express also provides users with travel and transportation guarantees such as: B. Baggage Insurance, Emergency Assistance, No Foreign Transaction Fees.
Plus, American Express has one of the strongest benefit programs on the market, offering protections like purchase protection and extended warranty coverage. Cardholders have the option to pay their balance over time, and the Business Gold Card has no preset spending limits.
United℠ Business Card
The United℠ Business Card offers benefits over and above the annual fee to fly with United, as well as some important perks, including a $100 credit on eligible airfare purchases.
Rewards: 2 miles per dollar on United shopping, dining (including eligible delivery), gas stations, office supply stores, and local transportation and commuting, 1 mile per dollar on all other purchases
Welcome Offer: 75,000 bonus miles after spending $5,000 within the first 3 months of account opening
Annual Fee: $0 introductory annual fee for the first year, $99 thereafter
Other pros and cons: The United℠ Business Card offers two United Club passes, one free checked bag for the cardholder and a companion on the same booking, and 25% off in-flight purchases when you use the card to purchase a ticket . The business card goes a step further, offering $100 in travel credit after seven United purchases of $100 or more with the card each anniversary year.
Wyndham Rewards® Earner℠ Business Card*
Wyndham Rewards® Earner℠ Business Cards* provide unparalleled income for those who live in their cars. With industry-leading gas station purchase incentives and solid earnings on Wyndham hotel stays, this card is a no-brainer if you’re comfortable and spending a lot of time at the budget hotels that make up the majority of Wyndham’s portfolio. road.
Rewards: 8 points per $1 on Wyndham hotel and gas purchases, 5 points per $1 on marketing, advertising and utilities, and 5 points per dollar on all other purchases $1 earns 1 point.
Welcome Offer: Earn 45,000 bonus points after spending $1,000 in the first 90 days and get up to 6 free nights at participating hotels
Annual fee: $95
Other pluses and minuses: With 15,000 Anniversary Points and a 10% discount on Wyndham’s “Free Nights” bonus, you can get a free night faster than a Super 8. With basic hotels starting at 7,500 points per night, you can get a free night for less than $1,000 on gas or a Wyndham hotel. That’s an outrageous rate, unless you’re looking for luxury. If you want to park your own car, the Wyndham Card is not for you.
Hilton Honors American Express Business Card
Wherever you go, you’re likely to find a Hilton portfolio hotel. Hilton Honors American Express Business Card (Terms and conditions apply. See rates and fees.) Free Hilton Gold status as a cardholder is worth exploring, allowing you to earn generous welcome bonuses and high Reward rate.
Rewards: 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating hotels and resorts within the Hilton Portfolio, 6 points per dollar at U.S. gas stations, direct wireless phone service purchases from U.S. carriers and U.S. shipping purchases , U.S. restaurants, flights booked directly with airlines or American Express Travel, and rental cars booked directly with select car rental companies, and 3 points per dollar on all other eligible purchases
Welcome Offer: 130,000 Bonus Points after spending $3,000 in Cardmember’s first 3 months
Annual fee: $95
Other pros and cons: With the welcome bonus alone, this card is worth it, but don’t forget you’ll also automatically get Hilton Gold status. This elite status offers you benefits such as late check-out, complimentary breakfast at Hilton hotels, room upgrades based on availability, and more. This card can be useful even if you’re just an occasional Hilton guest.
When you sign up, you’ll also get 10 free access to Priority Pass lounges per year, which is unusual for a mid-range credit card, and if you’re only using a few, it’s enough to get you into an airport lounge a few times a year. However, if you travel more than once a month, consider a travel credit card that includes a Priority Pass Select membership with unlimited access.
Delta SkyMiles® Reserve Business American Express Card
If you like to travel in style, the Delta SkyMiles® Reserve Business American Express Card (terms apply. See Fares and Fees) is for you. When you fly on Delta, the card provides access to Delta and American Express Centurion Club. It also offers a status boost, allowing you to earn up to 15,000 Medallion Qualifying Miles (MQMs) four times per year after spending $30,000 on the card.
Rewards: 3 miles per dollar on eligible purchases made directly from Delta and 1 mile per dollar on all other eligible purchases. After spending $150,000 in a calendar year, earn 1.5 miles per $1 on eligible purchases for the remainder of the year
Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQM) after spending $4,000 in the first 3 months
Annual fee: $550
Other pros and cons: The Delta SkyMiles® Reserve Business American Express card comes with a hefty fee and offers access to the coveted Centurion Lounge. Used strategically, the domestic annual pass, which is also good in first class, can offset a large portion of the annual fee. Remember, you must pay taxes when using a partner certificate. The ability to spend $25,000 on the card (without diamond status) to earn a Medallion Qualification Dollar Waiver (MQD Waiver) is also a potentially valuable benefit.
Method
To create this list, Eragoncred analyzed more than 100 business credit cards. Our key criteria are related to value: are you paying more for this card than you are getting the benefits?
We also rated each card category within its aisle, comparing hotel cards to hotel cards, cash back to cash back, and more.
Other characteristics considered when evaluating each category are accessibility, dollar value of cash back or point rewards, APR, fees, and additional benefits or protections offered by the card. Finally, we considered other features within each category, such as: B. Elite status or lounge access with a travel card.
How to Compare Business Credit Cards
With so many different types of credit cards out there, choosing one for a business can be a lengthy process. Prospective cardholders need to consider several factors before deciding on the best option.
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The annual fee usually includes membership benefits offered through the card. Prospective cardholders should calculate how much they will need to spend to earn enough rewards or cash back to offset the fee.
Income structure
Some cards offer high points per dollar, but when redeeming points, they plummet. Be careful when evaluating each point value and make sure you look beyond the points to understand what those points actually get you.
Introducing APR
Many cards offer not only a welcome bonus but also an introductory APR. How long will the card offer this advance rate? Make sure you can pay off large purchases before interest rates apply.
Current april
If your business needs balance, finding a card with a low interest rate or an interest-free promotional period can save you money. Always remember that the APR is based on your creditworthiness, so the lowest rate quoted in the terms and conditions may not be the rate offered to you after approval.
Financing Options
Is the card a debit or credit card? Debit cards must be paid off monthly, while credit cards allow you to carry interest on balances. Make sure you know what type of card you are applying for and that it best suits your needs.
How to Get a Business Credit Card
When you’re ready to get your business card, collect your EIN or SSN, your income information and apply online or at a bank branch.
How to get a business credit card without a personal guarantee
Setting up a business loan can be difficult, and some cards require a personal guarantee. This means that a person, usually the person applying for the card on behalf of the company, will be responsible for any funds remaining on the card. For those who do not want to link a business account, some cards do not require a personal guarantee, such as the B. Brex Visa Business Credit Card.
How to Get Instantly Approved Business Credit Cards
Most cards that allow you to apply online will notify you immediately if you are approved. Sometimes the bank may need more information before giving you a line of credit, but if it is “yes” you will usually be told when you apply.
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