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.
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 |
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.
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.
The Best Business Credit Cards
Capital One Spark Miles Select for BusinessCapital One Spark Cash for BusinessInk 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 Spark Miles Card is the best card for everyday business spending. It earns 2x miles on every purchase and 5x miles on hotels and rental cars when you book through Capital One Travel. Plus, the rewards you earn with your Spark Miles Card can transfer to partner airlines.
 The Capital One Spark Miles Select for Business offers a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening. You can earn 1.5 miles per $1 on every purchase. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy. There is no annual fee or foreign transaction fees to worry about making this card a viable option for business travel. |
The Capital One Spark Cash Card is the best business card for cash back rewards. It earns 2% back on every purchase.
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 100k bonus points after you spend $8,000 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 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 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your 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 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 • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card. • $189 CLEAR Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR Plus Membership (subject to auto-renewal) when you use your 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 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 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 on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible 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. 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 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 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges. You can 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. This card comes with a $250 Annual Fee, but for each round trip Delta flight, you can check your first bag for free and save up to $240. In addition, there is 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 your account is open. 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 50,000 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 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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. You'll earn: • 12X directly with 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. • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Terms & Limitations Apply. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card & earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. This card has a $95 annual fee. (See Rates & Fees) Terms 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 three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply. 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. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. This card does carry a $125 annual fee. (See Rates & Fees) Terms Apply. |
Chase Business Credit Cards
 The Ink Business Unlimited® Credit Card offers $900 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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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 100k bonus points after you spend $8,000 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 Southwest® Rapid Rewards® Premier Business Credit Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. 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 50,000 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 United flight purchases of $100 or more. Member FDIC |
American Express Business Credit Cards
 The American Express® Business Gold Card offers 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. You'll earn more rewards: • Earn 4X Membership Rewards points on the 2 categories where your business spends the most each billing cycle 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. • 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes. This card does carry a $295 annual fee ($375 if application is received on or after 2/1/24), but no foreign transaction fees. (See Rates & Fees) Terms Apply. |
The Marriott Bonvoy Business® American Express® Card offers three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply. 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. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. 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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. You'll earn: • 12X directly with 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. • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Terms & Limitations Apply. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card & earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. This card has a $95 annual fee. (See Rates & Fees) Terms 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, 18.49% - 26.49%, 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X Membership Rewards® 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. You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power. More buying power allows for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card. *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
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. 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 • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card. • $189 CLEAR Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR Plus Membership (subject to auto-renewal) when you use your 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 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 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 on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible 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. 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 after spending $3,000 in purchases on your new Card in your first 3 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 Large Purchases of $5K or more, up to 50K additional miles per calendar 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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges. This card does carry a $250 annual fee. (See Rates & Fees). Terms and limitations apply. |
 The Delta SkyMiles® Reserve Business American Express Card offers 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees. You'll earn 3X miles on every dollar spent on eligible purchases made directly with Delta.; 1X mile on every eligible dollar spent on purchases. With complimentary access into Delta Sky Club, you can relax before your Delta flight, or find downtime between connections.* You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together. *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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card. This card does carry an annual fee of $550 (See Rates & Fees). However, there are no foreign transaction fees. 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 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 Skip the lines with up to a $100 statement credit on TSA PreCheck or Global Entry 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 Miles Select for Business offers a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening. You can earn 1.5 miles per $1 on every purchase. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy. There is no annual fee or foreign transaction fees to worry about making this card a viable option for business travel. |
 The Capital One Spark Cash Select for Business offers a $750 bonus when you spend $6,000 in the first 3 months of 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
 The U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers $500 cash back after spending $3,000 in the first 90 days of opening your account. Limited time offer. You'll earn: • Up to 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases. • 1% cash back on other eligible net purchases with no limit on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250. There is no annual fee. |
See the latest U.S. Bank Promotions. Learn more about U.S. Bank.
 | U.S. Bank Business Checking: Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. Apply Now---U.S. Bank Business Checking Review |
 | 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 |
 | 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 |
 | Huntington Unlimited Plus Business Checking: Earn $1,000 bonus when you open a Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 30 days of account opening. The $1,000 bonus will be deposited into your account after all requirements are met. This account is for larger businesses with high monthly transaction volume. Apply Now---Huntington Unlimited Plus 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 |
 | Huntington Business Checking 100: Earn $100 bonus when you open a Huntington Business 100 Checking account and make total deposits of at least $2,000 within 60 days of account opening. The $100 bonus will be deposited into your account after all requirements are met. This account is ideal for start-ups and small businesses with lower balances and checking activity. Apply Now---Huntington Business Checking 100 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.