For a small business, using a credit card can be useful with a big credit line to pay for purchases. It will save the owner time and money along with rewards for using a business credit card.
Business credit cards can provide great benefits for your business such as access to a flexible credit line. It’s important to note that business credit cards aren’t only for large businesses with traditional storefronts. You can qualify for a business card as an independent contractor or freelancer with your Social Security number as your business tax ID and your name as the business name on the application.
More importantly, it simplifies your tax records from your personal and business purchases. American Express provide you with a year-end summary of your charges, separated into categories for tax purposes. Hence, this makes filing your tax return easier. For all small businesses, they need to plan ahead to deal with sudden costs.
How To Get A Business Credit Card
You may not know this, but if you ever sell something on eBay or Craigslist, even had a garage sale, your business is called Sole Proprietorship which then allowed you to apply for a business card using your legal name as your business id and social security number as your tax id. This is the easiest business entity and completely legal recognized by the IRS.
The Best Business Credit Cards
Capital One Venture X Business CardCapital One Spark Cash Plus UnlimitedInk Business PreferredBusiness Platinum Card from American ExpressCitiBusiness / AAdvantage Platinum Select Card Delta SkyMiles® Gold Business American Express CardDelta SkyMiles® Platinum Business American Express CardSouthwest Rapid Rewards Premier Business CardSouthwest Rapid Rewards Performance Business Card United Business CardHilton Honors American Express Business CardMarriott Bonvoy Business™ American Express® Card
The Capital One Venture X Business Card is the best card for everyday business spending. It earns unlimited 2X miles on every purchase. Then book through Capital One Travel to earn 5X on flights and 10X on hotels and rental cars. Receive an annual $300 credit for bookings through Capital One Travel. You will also get 10,000 bonus miles every year, starting on your first anniversary.
 The Capital One Venture X Business Card offers 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of our 15+ travel loyalty programs You'll earn: • 2 Miles per dollar on every purchase. • 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel. • 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection This is a pay-in-full card, so your balance is due in full every month. This card comes with a $395 annual fee and no foreign transaction fees. |
The Capital One Spark Cash Plus Unlimited offers 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Then unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
 The Capital One Spark Cash Plus offers $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You'll earn: • Unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel • Get your $150 annual fee refunded every year you spend at least $150,000 This card comes with a $150 annual fee and no foreign transaction fees. |
The Chase Ink Business Preferred® Card is the best business card for bonus categories. It gives 3x points on the first $150,000 you spend in combined purchases on travel, shipping, telecom, and digital advertising each membership year. Plus, Chase Ultimate Rewards® points transfer to airline partners.
 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 is the best business card for travel perks. You’ll enjoy a $200 airline fee credit each year, access to the American Express Global Lounge Collection, Global Entry or TSA Precheck fee credit, Marriott Bonvoy Gold elite status, Hilton Honors Gold status and Fine Hotels & Resorts perks.
 The Business Platinum Card® from American Express has a welcome offer of 150,000 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 on AmexTravel.com. • 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. • 1X points for each dollar you spend on eligible purchases • 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. • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card. • $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. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
The CitiBusiness / AAdvantage Platinum Select Card is the ideal card for American Airlines frequent flyers. The card offers 2X AAdvantage miles on AA purchases, one free checked bag, preferred boarding and 25% savings on inflight food, beverages and WiFi. If you spend at minimum $30,000 in one membership year, and you’ll earn an AA Companion Certificate for domestic travel.
The Delta SkyMiles® Gold Business American Express Card is the best business card for occasional Delta flyers. You’ll enjoy 2x SkyMiles on Delta purchases, one free checked bag, Main Cabin 1 priority boarding and 20% inflight savings. Plus, earn a $100 Delta flight voucher when you spend at least $10,000 in one calendar year.
 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 is the best business card for frequent Delta flyers. It offers 3x SkyMiles on Delta purchases, one free checked bag, Main Cabin 1 priority boarding, a companion certificate upon card renewal, 20% inflight savings, Delta Sky Club per-visit special rate and Global Entry or TSA Precheck fee credit. You’ll also get bonus Medallion Qualification Miles (MQMs) if you meet spending requirements.
 The Delta SkyMiles® Platinum American Express Card offers 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles Platinum American Express Card Members get 15% off 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 on Delta purchases and purchases made directly with hotels. • 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. • 1X Mile on all other eligible purchases. • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles Platinum American Express Card. Enrollment Required. Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details. Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. $150 Delta Stays Credit: Delta SkyMiles Platinum American Express Card Members can earn up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com. You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight. Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner. Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com. This card comes with a $350 annual fee and no foreign transaction fee. You'll also get fee credit for Global Entry or TSA Pre?®. (See Rates & Fees). Terms Apply. |
The Southwest Rapid Rewards Premier Business Card is the best business card for occasional Southwest flyers. You’ll enjoy 2x Rapid Rewards points on Southwest purchases, free first and second checked bags and $0 change fees.
 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 Card is the best business card for frequent Southwest flyers. It offers 3x Rapid Rewards points on Southwest flights, four Upgraded Boardings annually, Global Entry or TSA Precheck fee credit and inflight WiFi credits, along with your first two checked bags free and $0 change fees.
Plus, get to A-List status faster and the Companion Pass sooner with the Southwest Performance Business Card.
 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 |
The United Business Card is the best business card for United flyers. You’ll enjoy 2x MileagePlus miles on United purchases, a $100 annual United travel credit, one free checked bag, 2 United Club one-time passes every year, priority boarding, 25% inflight savings and Premier upgrades on award tickets.
 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 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 ($0 intro annual fee for the first year, then $99). 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 is the best business card for Hilton travelers. It offers 12x Hilton Honors points on Hilton purchases, complimentary Gold elite status and 10 Priority Pass visits annually. You’ll also get fast-tracked to Diamond status and earn Free Weekend Night Rewards if you meet spending requirements.
 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 1/8/2025. 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 getting you to free nights faster. 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 is the best business card for Marriott travelers. You’ll enjoy 6x Marriott Bonvoy points on Marriott purchases, complimentary Silver elite status, a Free Night Award on your account anniversary, premium on-property internet access and 15 elite night credits each year. Plus, earn an additional Free Night Award when you meet the spending requirement.
 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. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Terms apply. 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. Award 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. |
Chase Business Credit Cards
 The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll 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 • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
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 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 |
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 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 ($0 intro annual fee for the first year, then $99). 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 |
American Express Business Credit Cards
 The American Express® Business Gold Card offers 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.* You'll earn more rewards: • 4X Membership Rewards(R) points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* • 3X Membership Rewards(R) points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.* This card does carry a $375 annual fee, but no foreign transaction fees. (See Rates & Fees) Terms 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. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Terms apply. 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. Award 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. |
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 1/8/2025. 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 getting you to free nights faster. 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. |
 With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, 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 American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
 With the Blue Business® Plus Credit Card from American Express: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
The Business Platinum Card® from American Express has a welcome offer of 150,000 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 on AmexTravel.com. • 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. • 1X points for each dollar you spend on eligible purchases • 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. • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card. • $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. 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 SkyMiles(R) Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details. 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 Delta SkyMiles® Reserve Business American Express Card offers 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles per dollar on eligible Delta purchases • 1.5X miles per dollar on eligible transit, U.S. shipping & office supply store purchases • 1.5X miles on all eligible purchases after you spend $150,000 in purchases on your card in a year. • Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers. • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge - The Centurion Studio Partner. Enter Delta Sky Club at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner. This card does carry an annual fee of $650 (See Rates & Fees). Pay no foreign transaction fees when you travel overseas. Terms and limitations apply. |
See all American Express Credit Card offers. Learn more about the Amex Personal Savings account.
Capital One Business Credit Cards
The Capital One Venture X Business Card offers 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of our 15+ travel loyalty programs You'll earn: • 2 Miles per dollar on every purchase. • 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel. • 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection This is a pay-in-full card, so your balance is due in full every month. This card comes with a $395 annual fee and no foreign transaction fees. |
 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 Plus offers $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You'll earn: • Unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel • Get your $150 annual fee refunded every year you spend at least $150,000 This card comes with a $150 annual fee and no foreign transaction fees. |
 The Capital One Spark Cash Select offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
See Capital One Credit Card offers & the latest Capital One Promotions. Learn more about Capital One.
Citi Business Credit Cards
U.S. Bank Business Credit Cards
See the latest U.S. Bank Promotions. Learn more about U.S. Bank.
Best Business Credit Cards Summary
If you want more information on each card that we’ve listed then make sure to check out our reviews and posts about them.
| 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 | 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 |
| United Business Card | Best for United flyers |
| The Hilton Honors American Express Business Card | Best for Hilton Travelers |
| Marriott Bonvoy Business American Express Card | Best for Marriott travelers |
What to Consider
We’ve taken into account the following factors when deciding on the best dining credit cards to review:
- Welcome bonus
- Earning potential
- Annual fees
- Point value
- Rewards simplicity
- Reward flexibility
- Additional benefits
- Transfer partners
- Rates & fees
If you’re more focused on consumer cards, we also have information on our website in the following catergories:
View the latest credit card offers from American Express, Chase, Citi, Capital One, Wells Fargo, & more.
Types of Business Credit Cards
Cash BackTransferrable PointsHybrid RewardsLoyalty Rewards
Cash back cards are considered the most straightforward and simple type of business cards. Cash back cards return a percentage back on every purchase you make. You can later redeem your rewards at a fixed value. Cash rewards have more flexibility than points and miles, yet holds value.
Transferable points are rewards currencies that are specific to the issuer and can be transferred to partner loyalty programs for maximum value. This type of reward generally holds the most value because of its flexibility in redemption.
Hybrid cards earn cash back, but you can also convert their cash rewards into more valuable currencies if you hold a points-earning card in the same family.
These business cards earn points or miles for a specific loyalty program, usually an airline or hotel chain. Loyalty cards often come with brand-specific perks, such as free checked in baggage or complimentary elite status.
The downside of these cards, they are not as flexible as transferable points, but they still have the ability to hold a lot of value.
 | Chase Business Complete Checking®: Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. Chase offers financial products and services that let you bank when and how you want. Get Coupon---Chase Business Checking Review |
 | Huntington Unlimited Business Checking: Earn $400 bonus when you open a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. The $400 bonus will be deposited into your account after all requirements are met. This account is for businesses with higher checking activity and greater cash flow needs. Apply Now---Huntington Unlimited Business Checking Review |
 | U.S. Bank Business Checking: Earn up to a $900 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q4AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 15, 2024. Member FDIC. Apply Now---U.S. Bank Business Checking Review |
 | Bank of America Business Advantage Checking Bonus Offer Open a new Bank of America Business Advantage checking account and complete the eligible requirements to earn a $200 cash bonus offer. See offer page for more details. Additional terms and conditions apply. See offer page for more details. Learn More---Bank of America Business Checking Review |
 | Live Oak Bank Small Business Savings: Receive a $200 cash bonus when you open a new Live Oak Bank small business savings account with qualifying activities. Apply Now---Live Oak Bank Small Business Savings Review |
Bottom Line
Every company has a business credit card that will better suite their needs. The “right” card for your company will depend on the spending habits and goals of your company. You may find that a credit card for traveling is better suited for the needs of your company.
No matter the type of credit card, we recommend that you look at the cards’ rewards rates, benefits and fees to find the one that will bring you the most value in the long run. If you find yourself struggling to choose a card after looking at these factors then pick the one with the best welcome offer.
You can also view our list of the latest business account bonuses. If you’re looking to minimize overhead costs, we also have a list of the best free business checking accounts.
We recommend U.S. Bank’s business checking account or Huntington Bank’s business checking accounts.
For an extensive list of options, see our list of the best credit card promotions.
View the latest credit card offers from American Express, Chase, Citi, Capital One, Wells Fargo, & more.