How We Picked Our Best Cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn't recommend an offer to a friend or family member, we wouldn't recommend it on the The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.

TPG Points Valuation

Valuations are based on what TPG would pay to buy points and the overall redemption value, factoring in variables like award availability, fees and change or cancellation policies.

Learn more

Best Business Credit Cards of 2023

From our partners

The Business Platinum Card® from American Express

Current Offer Earn 120,000 points

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Annual fee $695

$2,400

Terms and restrictions apply. See rates & fees.

Earning Rewards

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X 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 1X points for each dollar you spend on eligible purchases.

on American Express's secure site

Ink Business Unlimited® Credit Card

Current Offer $750

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Annual fee $0

Earning Rewards

  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

on Chase's secure site

Superlative Badge

Best for business spending

American Express® Business Gold Card

Current Offer 70,000 points

Welcome Offer: Earn 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.*

Annual fee $295

$1,400

Terms and restrictions apply. See rates & fees.

Earning Rewards

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **

on American Express's secure site

Capital One Spark Miles for Business

Current Offer 50,000 miles

Earn 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

Annual fee $0 intro for first year; $95 after that

$850

Earning Rewards

  • 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

on Capital One's secure site

Ink Business Preferred® Credit Card

Current Offer 100,000 points

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual fee $95

$2,000

Earning Rewards

  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

on Chase's secure site

Capital One Spark Cash Plus

Current Offer Up to $1,000 cash bonus

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

Annual fee $150

Earning Rewards

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

on Capital One's secure site

Ink Business Cash® Credit Card

Current Offer $750

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Annual fee $0

Earning Rewards

  • 5% 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% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

on Chase's secure site

Ink Business Premier℠ Credit Card

Current Offer $1,000 Cash Back

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Annual fee $195

Earning Rewards

  • 5% Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards
  • 2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
  • 2% Unlimited 2% cash back on all other business purchases.

on Chase's secure site

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Current Offer $300

Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.

Annual fee $0

Earning Rewards

  • 1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.

on Bank of America's secure site

The Blue Business® Plus Credit Card from American Express

Current Offer Earn 15,000 points

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.

Annual fee No annual fee
Terms and restrictions apply. See rates & fees.

Earning Rewards

  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter

on American Express's secure site

Superlative Badge

Businesses loyal to BofA

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Current Offer $300

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Annual fee $0

Earning Rewards

  • 3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
  • 2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
  • 1% 1% unlimited cash back on all other purchases.

on Bank of America's secure site

United℠ Business Card

Current Offer 50,000 Bonus Miles

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Annual fee $0 Intro for the First Year. $99 After

$550

Earning Rewards

  • 2X Earn 2 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 Earn 1 mile per $1 spent on all other purchases.

on Chase's secure site

Advertiser Disclosure

Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.