Best Business Credit Cards of 2026

TPG Editor's Rating

4/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
5X	Earn 5X points on flights and prepaid hotels on AmexTravel.com.
2X	Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
1X	Earn 1X points on other eligible purchases.

Intro offer

As High As 300,000 points. Find Out Your Offer.

Annual fee

$895

Regular APR

17.99% - 28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

View more

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Best for business owners who value premium travel

The Business Platinum Card® from American Express

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

As High As 300,000 points. Find Out Your Offer.

Annual fee

$895

Regular APR

17.99% - 28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Best for high-spending businesses that want simple travel rewards

Capital One Venture Business

TPG Editor's Rating

TPG Editor's Rating

4/5

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
2X miles	Earn 2X miles per $1 on every purchase, everywhere
5X miles	Earn 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel

Intro offer

Earn 100,000 Miles

Annual fee

$95

Regular APR

24.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.

Pros + cons

Pros

Simple earning structure
Bonus categories
Annual credits
No foreign transaction fees
Flexible redemption options, including transfer partners

Cons

Has an annual fee
Fewer bonus categories than some competitors
Lacks premium perks

More details

Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
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
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
Top rated mobile app

Why we chose it

View more

Pros

Simple earning structure
Bonus categories
Annual credits
No foreign transaction fees
Flexible redemption options, including transfer partners

Cons

Has an annual fee
Fewer bonus categories than some competitors
Lacks premium perks

Why we chose it

Pros + cons

Pros

Simple earning structure
Bonus categories
Annual credits
No foreign transaction fees
Flexible redemption options, including transfer partners

Cons

Has an annual fee
Fewer bonus categories than some competitors
Lacks premium perks

More details

Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
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
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
Top rated mobile app

Why we chose it

Pros

Simple earning structure
Bonus categories
Annual credits
No foreign transaction fees
Flexible redemption options, including transfer partners

Cons

Has an annual fee
Fewer bonus categories than some competitors
Lacks premium perks

Best for high-spending businesses that want simple travel rewards

Capital One Venture Business

TPG Editor's Rating

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 100,000 Miles

Annual fee

$95

Regular APR

24.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

Pros + cons

Pros

Simple earning structure
Bonus categories
Annual credits
No foreign transaction fees
Flexible redemption options, including transfer partners

Cons

Has an annual fee
Fewer bonus categories than some competitors
Lacks premium perks

More details

Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
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
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
Top rated mobile app

Best for small business owners

Ink Business Preferred® Credit Card

TPG Editor's Rating

4.5/5Go to review

TPG Editor's Rating

4.5/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
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

Intro offer

Earn 100,000 bonus points

Annual fee

$95

Regular APR

17.99% - 26.99% Variable

Recommended credit

670-850

Good, Excellent

Why we chose it

The Ink Business Preferred Credit Card is an excellent all-around business credit card that offers a sizable welcome bonus and the ability to earn valuable Ultimate Rewards points on a variety of business expenses.

Pros + cons

Pros

Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection

Cons

High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications

More details

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

Why we chose it

View more

Pros

Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection

Cons

High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications

Why we chose it

Pros + cons

Pros

Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection

Cons

High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications

More details

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

Why we chose it

Pros

Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection

Cons

High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications

Best for flexible rewards earning

American Express® Business Gold Card

TPG Editor's Rating

TPG Editor's Rating

3.5/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® 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	Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*
1X	Earn 1X on all other eligible purchases.

Intro offer

As High As 200,000 points. Find Out Your Offer.

Annual fee

$375

Regular APR

17.99% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros + cons

Pros

Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
New cardholder welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)

Cons

$375 annual fee
Less ideal for businesses with lower spending

More details

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® 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.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply

Why we chose it

View more

Pros

Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
New cardholder welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)

Cons

$375 annual fee
Less ideal for businesses with lower spending

Why we chose it

Pros + cons

Pros

Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
New cardholder welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)

Cons

$375 annual fee
Less ideal for businesses with lower spending

More details

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® 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.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply

Why we chose it

Pros

Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
New cardholder welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)

Cons

$375 annual fee
Less ideal for businesses with lower spending

Best for flexible rewards earning

American Express® Business Gold Card

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

As High As 200,000 points. Find Out Your Offer.

Annual fee

$375

Regular APR

17.99% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

Pros + cons

Pros

Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
New cardholder welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)

Cons

$375 annual fee
Less ideal for businesses with lower spending

More details

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® 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.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply

Best for freelancers
Ink Business Unlimited® Credit Card
TPG Editor's Rating
4/5
Go to review
Compare Ink Business Unlimited® Credit Card
TPG Editor's Rating
4/5
at Chase's secure site.
Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate Category
1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.99% - 24.99% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.

Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.

View more
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.

Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.

Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
Best for freelancers
Ink Business Unlimited® Credit Card
Compare Ink Business Unlimited® Credit Card
TPG Editor's Rating
4/5
Go to review
at Chase's secure site.
Terms & restrictions apply. See rates & fees.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.99% - 24.99% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.

Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Rewards rate
Rate	Category
1.5%	Earn unlimited 1.5% cash back on every purchase made for your business

Best for United business travelers

United℠ Business Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
8x	Earn 8x total miles on eligible United® flights.
2x	Earn 2x miles on all other eligible United® purchases.
2x	Earn 2x miles on dining, at gas stations, office supply stores and on local transit and commuting.
1x	Earn 1x mile on all other purchases.

Intro offer

Earn up to 100,000 miles + 2,000 PQP

Annual fee

$150

Regular APR

19.99% - 28.49% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.

Pros + cons

Pros

Earns 2 miles per $1 spent in a variety of categories, including eligible United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $125 United travel credit after making five United flight purchases of $100 or more each calendar year
Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP within the calendar year.
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
You might get more use from transferable points instead of United miles

More details

Earn up to 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
$150 Annual Fee.
8x total miles on eligible United® flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $200 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

Why we chose it

If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.

View more

Pros

Earns 2 miles per $1 spent in a variety of categories, including eligible United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $125 United travel credit after making five United flight purchases of $100 or more each calendar year
Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP within the calendar year.
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
You might get more use from transferable points instead of United miles

Why we chose it

If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.

Pros + cons

Pros

Earns 2 miles per $1 spent in a variety of categories, including eligible United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $125 United travel credit after making five United flight purchases of $100 or more each calendar year
Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP within the calendar year.
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
You might get more use from transferable points instead of United miles

More details

Earn up to 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
$150 Annual Fee.
8x total miles on eligible United® flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $200 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

Why we chose it

If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.

Pros

Earns 2 miles per $1 spent in a variety of categories, including eligible United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $125 United travel credit after making five United flight purchases of $100 or more each calendar year
Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP within the calendar year.
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
You might get more use from transferable points instead of United miles

Best for United business travelers

United℠ Business Card

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn up to 100,000 miles + 2,000 PQP

Annual fee

$150

Regular APR

19.99% - 28.49% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.

Pros + cons

Pros

Earns 2 miles per $1 spent in a variety of categories, including eligible United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $125 United travel credit after making five United flight purchases of $100 or more each calendar year
Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP within the calendar year.
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
You might get more use from transferable points instead of United miles

More details

Earn up to 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
$150 Annual Fee.
8x total miles on eligible United® flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $200 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

Limited-time offer

Best for business owners loyal to American Airlines

Citi® / AAdvantage Business™ World Elite Mastercard®

TPG Editor's Rating

TPG Editor's Rating

3/5

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
2X	Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
1X	Earn 1 AAdvantage® mile per $1 spent on other purchases.
1X	Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

Intro offer

For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles

Annual fee

$99, waived for first 12 months

Regular APR

19.74% - 28.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

If you have a small business that doesn’t meet the standard requirements for the AAdvantage Business program, the Citi® / AAdvantage Business™ World Elite Mastercard® is the best way to get access and earn extra miles and Loyalty Points on your company travel. Other perks when flying American Airlines, including preferred boarding, your first checked bag free on domestic itineraries and 25% off select inflight purchases can also provide value to frequent flyers.

Pros + cons

Pros

The card features a valuable welcome bonus, a number of perks when flying American and the ability to earn Loyalty Points with spending — helping you qualify for AAdvantage elite status

Cons

Many perks are limited to AA flights, and like many Citi-issued cards, you'll have limited travel and shopping protections.

More details

Designed for businesses.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card.
Enjoy preferred boarding on American Airlines flights.
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
No Foreign Transaction Fees.

Why we chose it

View more

Pros

The card features a valuable welcome bonus, a number of perks when flying American and the ability to earn Loyalty Points with spending — helping you qualify for AAdvantage elite status

Cons

Many perks are limited to AA flights, and like many Citi-issued cards, you'll have limited travel and shopping protections.

Why we chose it

Pros + cons

Pros

The card features a valuable welcome bonus, a number of perks when flying American and the ability to earn Loyalty Points with spending — helping you qualify for AAdvantage elite status

Cons

Many perks are limited to AA flights, and like many Citi-issued cards, you'll have limited travel and shopping protections.

More details

Designed for businesses.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card.
Enjoy preferred boarding on American Airlines flights.
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
No Foreign Transaction Fees.

Why we chose it

Pros

The card features a valuable welcome bonus, a number of perks when flying American and the ability to earn Loyalty Points with spending — helping you qualify for AAdvantage elite status

Cons

Many perks are limited to AA flights, and like many Citi-issued cards, you'll have limited travel and shopping protections.

Limited-time offer

Best for business owners loyal to American Airlines

Citi® / AAdvantage Business™ World Elite Mastercard®

TPG Editor's Rating

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles

Annual fee

$99, waived for first 12 months

Regular APR

19.74% - 28.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

Pros + cons

Pros

The card features a valuable welcome bonus, a number of perks when flying American and the ability to earn Loyalty Points with spending — helping you qualify for AAdvantage elite status

Cons

Many perks are limited to AA flights, and like many Citi-issued cards, you'll have limited travel and shopping protections.

More details

Designed for businesses.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card.
Enjoy preferred boarding on American Airlines flights.
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
No Foreign Transaction Fees.

Best for office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
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 on dining and gas each account anniversary year.
1%	Earn 1% cash back on all other purchases.

Intro offer

Earn $750 bonus cash back

Annual fee

Regular APR

16.99% - 24.99% Variable

Recommended credit

670-850

Good, Excellent

Why we chose it

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises.

Pros + cons

Pros

Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses

Cons

5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year

More details

Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

Why we chose it

View more

Pros

Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses

Cons

5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year

Why we chose it

Pros + cons

Pros

Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses

Cons

5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year

More details

Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

Why we chose it

Pros

Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses

Cons

5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year

Best for flat-rate business cash back rewards

Capital One Spark Cash

TPG Editor's Rating

2.5/5Go to review

TPG Editor's Rating

2.5/5

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
2%	Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
5%	Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro offer

Earn $1,000 cash back

Annual fee

$0 intro for first year; $95 after that

Regular APR

24.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.

Pros + cons

Pros

No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount

Cons

Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived

More details

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees
Top rated mobile app

Why we chose it

View more

Pros

No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount

Cons

Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived

Why we chose it

Pros + cons

Pros

No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount

Cons

Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived

More details

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees
Top rated mobile app

Why we chose it

Pros

No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount

Cons

Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived

Best for unlimited business cash back
Capital One Spark Cash Plus
TPG Editor's Rating
3.5/5
Go to review
Compare Capital One Spark Cash Plus
TPG Editor's Rating
3.5/5
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate Category
2% 2% cash back on every purchase
5% 5% cash back on hotels and rental cars booked through Capital One Business Travel
Intro offer
Earn $2,000
Annual fee
$150
Regular APR
25.99% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually.

Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 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 can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually.

View more
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually.

Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 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 can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually.

Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
Best for unlimited business cash back
Capital One Spark Cash Plus
Compare Capital One Spark Cash Plus
TPG Editor's Rating
3.5/5
Go to review
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
Intro offer
Earn $2,000
Annual fee
$150
Regular APR
25.99% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually.

Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 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 can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Rewards rate
Rate	Category
2%	2% cash back on every purchase
5%	5% cash back on hotels and rental cars booked through Capital One Business Travel

Offer Extended

Best for business travel rewards

Sapphire Reserve for Business℠

TPG Editor's Rating

TPG Editor's Rating

4/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
8x	Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
5x	Earn 5x total points on Lyft rides through 9/30/27.
4x	Earn 4x points on flights & hotels booked direct.
3x	Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
1x	Earn 1x points on all other purchases.

Intro offer

Earn 200,000 bonus points

Annual fee

$795

Regular APR

Flex for Business Variable APR: 17.99% - 28.74%

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.

Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.

While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.

Pros + cons

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

More details

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

Why we chose it

While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.

View more

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

Why we chose it

While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.

Pros + cons

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

More details

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

Why we chose it

While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

Offer Extended

Best for business travel rewards

Sapphire Reserve for Business℠

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 200,000 bonus points

Annual fee

$795

Regular APR

Flex for Business Variable APR: 17.99% - 28.74%

Recommended credit

Good Credit, Excellent Credit

Why we chose it

While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.

Pros + cons

Pros

Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
$300 annual travel credit plus additional credits for rideshare and food delivery
$120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)

Cons

Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
Many credits are split across the year or require activation, making them harder to fully maximize
Employee cards lack key perks like lounge access and hotel elite status
Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)

More details

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

Best for no annual fee

The Blue Business® Plus Credit Card from American Express

TPG Editor's Rating

TPG Editor's Rating

4/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
2X	Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

Intro offer

As High As 50,000 points. Find Out Your Offer.

Annual fee

No annual fee

Regular APR

16.99% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power.

Pros + cons

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners

Cons

2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending

More details

As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% 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. 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 above 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.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.

Why we chose it

View more

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners

Cons

2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending

Why we chose it

Pros + cons

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners

Cons

2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending

More details

As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% 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. 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 above 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.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.

Why we chose it

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners

Cons

2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending

Best for no annual fee

The Blue Business® Plus Credit Card from American Express

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

As High As 50,000 points. Find Out Your Offer.

Annual fee

No annual fee

Regular APR

16.99% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

Pros + cons

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 20 airline and hotel partners

Cons

2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
No higher bonus categories for business-related spending

More details

As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% 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. 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 above 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.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.

Limited-Time Offer

Best for Alaska loyalists

Atmos™ Rewards Visa Signature® Business Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Bank of America's secure site.

Rewards rate

Rewards rate
Rate	Category
3 points	Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
2 points	Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.
1 point	Earn 1 point per $1 spent on all other purchases.

Intro offer

Limited-time online offer: 70,000 bonus points + a $99 Companion Fare

Annual fee

$70 for the company and $25 per card

Regular APR

19.74% - 27.74% Variable APR on purchases and balance transfers

Recommended credit

740-850

Excellent

Why we chose it

The Atmos™ Rewards Visa Signature® Business Card is built for small business owners who frequently fly Alaska or Hawaiian Airlines. The card offers a compelling welcome bonus, ongoing Companion Fare opportunities and valuable airline perks like free checked bags, preferred boarding and inflight discounts. With bonus rewards in categories like gas, transit and shipping (plus an annual 10% rewards boost for qualifying Bank of America® business account holders), this card is a strong value pick for businesses with travel needs.

Pros + cons

Pros

Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
Free checked bag for any cardholder and up to 6 guests on the same reservation
Preferred boarding on Alaska Airlines flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
No foreign transaction fees

Cons

Companion Fare requires significant annual spend
Airline perks mainly benefit Alaska Airlines flyers
No ability to transfer points

More details

Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Why we chose it

View more

Pros

Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
Free checked bag for any cardholder and up to 6 guests on the same reservation
Preferred boarding on Alaska Airlines flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
No foreign transaction fees

Cons

Companion Fare requires significant annual spend
Airline perks mainly benefit Alaska Airlines flyers
No ability to transfer points

Why we chose it

Pros + cons

Pros

Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
Free checked bag for any cardholder and up to 6 guests on the same reservation
Preferred boarding on Alaska Airlines flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
No foreign transaction fees

Cons

Companion Fare requires significant annual spend
Airline perks mainly benefit Alaska Airlines flyers
No ability to transfer points

More details

Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Why we chose it

Pros

Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
Free checked bag for any cardholder and up to 6 guests on the same reservation
Preferred boarding on Alaska Airlines flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
No foreign transaction fees

Cons

Companion Fare requires significant annual spend
Airline perks mainly benefit Alaska Airlines flyers
No ability to transfer points

Limited-Time Offer

Best for Alaska loyalists

Atmos™ Rewards Visa Signature® Business Card

TPG Editor's Rating

at Bank of America's secure site.

Intro offer

Limited-time online offer: 70,000 bonus points + a $99 Companion Fare

Annual fee

$70 for the company and $25 per card

Regular APR

19.74% - 27.74% Variable APR on purchases and balance transfers

Recommended credit

740-850

Excellent

Why we chose it

Pros + cons

Pros

Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
Free checked bag for any cardholder and up to 6 guests on the same reservation
Preferred boarding on Alaska Airlines flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
No foreign transaction fees

Cons

Companion Fare requires significant annual spend
Airline perks mainly benefit Alaska Airlines flyers
No ability to transfer points

More details

Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Best for cash back rewards on day-to-day purchases

Ink Business Premier® Credit Card

TPG Editor's Rating

TPG Editor's Rating

3/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
5%	Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
2.5%	Earn unlimited 2.5% total cash back on purchases of $5,000 or more.
2%	Earn unlimited 2% cash back on all other business purchases.

Intro offer

Earn $1,000 bonus cash back

Annual fee

$195

Regular APR

Flex for Business Variable APR: 17.99% - 28.74%

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The Chase Ink Business Premier card is geared toward business owners who want to earn cash back rewards on their day-to-day purchases. The earning rates are solid, but the $195 annual fee is high for what you get out of this card since you won’t be able to transfer your points to Chase’s travel partners for maximum value.

Pros + cons

Pros

Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees

Cons

High annual fee of $195
Rewards can't be transferred to airline or hotel partners

More details

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Why we chose it

View more

Pros

Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees

Cons

High annual fee of $195
Rewards can't be transferred to airline or hotel partners

Why we chose it

Pros + cons

Pros

Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees

Cons

High annual fee of $195
Rewards can't be transferred to airline or hotel partners

More details

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Why we chose it

Pros

Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees

Cons

High annual fee of $195
Rewards can't be transferred to airline or hotel partners

Best for cash back rewards on day-to-day purchases

Ink Business Premier® Credit Card

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn $1,000 bonus cash back

Annual fee

$195

Regular APR

Flex for Business Variable APR: 17.99% - 28.74%

Recommended credit

Good Credit, Excellent Credit

Why we chose it

Pros + cons

Pros

Unlimited bonus earnings
Decent welcome offer
No foreign transaction fees

Cons

High annual fee of $195
Rewards can't be transferred to airline or hotel partners

More details

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Earn 5% cash back on Lyft rides now through September 30, 2027.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Best for BofA Preferred Rewards for Business members
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
TPG Editor's Rating
3.5/5
Go to review
Compare Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
TPG Editor's Rating
3.5/5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate Category
1.5% Earn unlimited 1.5% cash back on purchases.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
Why we chose it
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards® for Business program.

Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Why we chose it
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards® for Business program.

View more
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
Why we chose it
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards® for Business program.

Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Why we chose it
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards® for Business program.

Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
Best for BofA Preferred Rewards for Business members
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Compare Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
TPG Editor's Rating
3.5/5
Go to review
at Bank of America's secure site.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
Why we chose it
The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards® for Business program.

Pros + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
There is no annual fee.
Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
3% foreign transaction fee.
There are no bonus earning categories.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Rewards rate
Rate	Category
1.5%	Earn unlimited 1.5% cash back on purchases.

Best for customizable business cash back

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

TPG Editor's Rating

TPG Editor's Rating

3.5/5

at Bank of America's secure site.

Rewards rate

Rewards rate
Rate	Category
3%	Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2%	Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1%	Earn 1% cash back on all other purchases.

Intro offer

Get a $500 online cash rewards bonus

Annual fee

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

Excellent Credit

Why we chose it

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards® for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year.

Pros + cons

Pros

Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.

Cons

3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.

More details

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Why we chose it

View more

Pros

Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.

Cons

3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Why we chose it

Pros + cons

Pros

Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.

Cons

3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.

More details

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Why we chose it

Pros

Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.

Cons

3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Best for customizable business cash back

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

TPG Editor's Rating

at Bank of America's secure site.

Intro offer

Get a $500 online cash rewards bonus

Annual fee

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

Excellent Credit

Why we chose it

Pros + cons

Pros

Multiple bonus cash-back categories.
Unlimited flat-rate cash back on all other purchases.
There is no annual fee.
Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.

Cons

3% foreign transaction fee.
Capped earning on bonus categories.
3% bonus category has to be manually chosen and can only be changed once a month.

More details

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Best for built-in spend management and expense automation
Rippling Corporate Card
TPG Editor's Rating
3.5/5
Go to review
Compare Rippling Corporate Card
TPG Editor's Rating
3.5/5
at Rippling's secure site.
Rewards rate
Rewards rate
Rate Category
1.75% Up to 1.75% cashback rewards
Intro offer
Earn a $600 gift card sign-up bonus
Annual fee
$0
Recommended credit
N/A
Why we chose it
The Rippling Corporate Card is built for businesses that want a corporate card integrated directly into a broader spend management platform. With up to 1.75% cash back, no annual fee and no personal guarantee required, the card emphasizes operational efficiency over traditional rewards. Businesses also gain access to expense tracking, bill pay, travel booking and automated controls within a single system.

Pros + cons
Pros
No annual fee
Competitive cash back rate
No personal guarantee required
Built-in expense management and automation tools
Unlimited virtual cards with customizable controls
Cons
Must pay balances in full each cycle (charge card)
Cash back is not earned on transactions outside the U.S.
Reward rate varie
Limited travel rewards
More details
All-in-one platform for cards, bill pay, expenses, travel and payroll, consolidating operations into a single system, via Rippling Spend Management
Seamless ERP and accounting integrations with real-time visibility and automatic syncing, eliminating duplicate data entry
Automated reconciliation, expense categorization, and policy enforcement across cards, bill pay, and travel
Industry-leading cashback rewards, reducing overall business spending by ~5% through automated controls
Up to 20x higher credit limits than traditional business credit cards
Unlimited virtual and physical cards with card-level spending controls
Free employee and contractor cards with card-level spending controls
$0 annual fee, no APR, no personal credit check or guarantee requirement
Approval and use of the Rippling Corporate Card unlocks $0 booking fees on Rippling Travel
Potential to reduce software costs by ~40% by consolidating spend tools in a single platform
The Rippling Corporate Card is issued by Fifth Third Bank, N.A. Member FDIC, subject to approval. Cards are issued pursuant to a license from Visa® U.S.A. Inc. Visa is a trademark owned by Visa International Service Association and used under license. All trademarks are the property of their respective owners. Rippling Payments, Inc. (NMLS No. 1931820) — California loans made or arranged pursuant to a California Financing Law License.
Why we chose it
The Rippling Corporate Card is built for businesses that want a corporate card integrated directly into a broader spend management platform. With up to 1.75% cash back, no annual fee and no personal guarantee required, the card emphasizes operational efficiency over traditional rewards. Businesses also gain access to expense tracking, bill pay, travel booking and automated controls within a single system.

View more
Pros
No annual fee
Competitive cash back rate
No personal guarantee required
Built-in expense management and automation tools
Unlimited virtual cards with customizable controls
Cons
Must pay balances in full each cycle (charge card)
Cash back is not earned on transactions outside the U.S.
Reward rate varie
Limited travel rewards
Why we chose it
The Rippling Corporate Card is built for businesses that want a corporate card integrated directly into a broader spend management platform. With up to 1.75% cash back, no annual fee and no personal guarantee required, the card emphasizes operational efficiency over traditional rewards. Businesses also gain access to expense tracking, bill pay, travel booking and automated controls within a single system.

Pros + cons
Pros
No annual fee
Competitive cash back rate
No personal guarantee required
Built-in expense management and automation tools
Unlimited virtual cards with customizable controls
Cons
Must pay balances in full each cycle (charge card)
Cash back is not earned on transactions outside the U.S.
Reward rate varie
Limited travel rewards
More details
All-in-one platform for cards, bill pay, expenses, travel and payroll, consolidating operations into a single system, via Rippling Spend Management
Seamless ERP and accounting integrations with real-time visibility and automatic syncing, eliminating duplicate data entry
Automated reconciliation, expense categorization, and policy enforcement across cards, bill pay, and travel
Industry-leading cashback rewards, reducing overall business spending by ~5% through automated controls
Up to 20x higher credit limits than traditional business credit cards
Unlimited virtual and physical cards with card-level spending controls
Free employee and contractor cards with card-level spending controls
$0 annual fee, no APR, no personal credit check or guarantee requirement
Approval and use of the Rippling Corporate Card unlocks $0 booking fees on Rippling Travel
Potential to reduce software costs by ~40% by consolidating spend tools in a single platform
The Rippling Corporate Card is issued by Fifth Third Bank, N.A. Member FDIC, subject to approval. Cards are issued pursuant to a license from Visa® U.S.A. Inc. Visa is a trademark owned by Visa International Service Association and used under license. All trademarks are the property of their respective owners. Rippling Payments, Inc. (NMLS No. 1931820) — California loans made or arranged pursuant to a California Financing Law License.
Why we chose it
The Rippling Corporate Card is built for businesses that want a corporate card integrated directly into a broader spend management platform. With up to 1.75% cash back, no annual fee and no personal guarantee required, the card emphasizes operational efficiency over traditional rewards. Businesses also gain access to expense tracking, bill pay, travel booking and automated controls within a single system.

Pros
No annual fee
Competitive cash back rate
No personal guarantee required
Built-in expense management and automation tools
Unlimited virtual cards with customizable controls
Cons
Must pay balances in full each cycle (charge card)
Cash back is not earned on transactions outside the U.S.
Reward rate varie
Limited travel rewards
Best for built-in spend management and expense automation
Rippling Corporate Card
Compare Rippling Corporate Card
TPG Editor's Rating
3.5/5
Go to review
at Rippling's secure site.
Intro offer
Earn a $600 gift card sign-up bonus
Annual fee
$0
Recommended credit
N/A
Why we chose it
The Rippling Corporate Card is built for businesses that want a corporate card integrated directly into a broader spend management platform. With up to 1.75% cash back, no annual fee and no personal guarantee required, the card emphasizes operational efficiency over traditional rewards. Businesses also gain access to expense tracking, bill pay, travel booking and automated controls within a single system.

Pros + cons
Pros
No annual fee
Competitive cash back rate
No personal guarantee required
Built-in expense management and automation tools
Unlimited virtual cards with customizable controls
Cons
Must pay balances in full each cycle (charge card)
Cash back is not earned on transactions outside the U.S.
Reward rate varie
Limited travel rewards
More details
All-in-one platform for cards, bill pay, expenses, travel and payroll, consolidating operations into a single system, via Rippling Spend Management
Seamless ERP and accounting integrations with real-time visibility and automatic syncing, eliminating duplicate data entry
Automated reconciliation, expense categorization, and policy enforcement across cards, bill pay, and travel
Industry-leading cashback rewards, reducing overall business spending by ~5% through automated controls
Up to 20x higher credit limits than traditional business credit cards
Unlimited virtual and physical cards with card-level spending controls
Free employee and contractor cards with card-level spending controls
$0 annual fee, no APR, no personal credit check or guarantee requirement
Approval and use of the Rippling Corporate Card unlocks $0 booking fees on Rippling Travel
Potential to reduce software costs by ~40% by consolidating spend tools in a single platform
The Rippling Corporate Card is issued by Fifth Third Bank, N.A. Member FDIC, subject to approval. Cards are issued pursuant to a license from Visa® U.S.A. Inc. Visa is a trademark owned by Visa International Service Association and used under license. All trademarks are the property of their respective owners. Rippling Payments, Inc. (NMLS No. 1931820) — California loans made or arranged pursuant to a California Financing Law License.

Rewards rate
Rate	Category
1.75%	Up to 1.75% cashback rewards

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TPG Editor's Rating