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Which Business Credit Card Should I Get?

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TPG reader Berel sent me a message on facebook to ask:

I have the Chase Ink Plus and spend about $25,000-30,000 on it each month. Is there another business credit card you recommend so I can accumulate points other than Chase Ultimate Rewards?

The Chase Ink Plus is among the business cards that I use regularly, and I think it’s one of the top cards out there, especially if you’re spending money on office supplies, gas, or hotels.

The other business card that I use the most is the Starwood Preferred Guest business card from Amex. Starpoints are the most valuable loyalty currency in my opinion. They’re amazing for hotel stays; I use them for SPG Moments (like taking my dad courtside to a Knicks game); and there are 33 travel transfer partners. Starwood Business is a great card, though it is a credit card, and my credit line isn’t as big as I’d like it to be, since I have several other Amex cards.


To help you decide which card will suit you, think about how you want to diversify your points. If you want perks, the The Enhanced Business Platinum Card from American Express OPEN won’t give you the best earning ratio, but will give you access to Centurion Lounges, $200 annually in airline rebates, free Global Entry, and more.

Those are two good options, but there are tons of other offers out there. Ink Plus and SPG Business are my main business cards, and cover most of my travel needs, but see what else is available before you pick one.

Starwood Preferred Guest® Business Credit Card from American Express

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  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries.
  • Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges.
  • No Foreign Transaction Fees on international purchases.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and conditions apply
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 15.49% - 19.49% Variable $0 introductory annual fee for the first year, then $95 0% Excellent Credit