Apply now at Chase's secure site

Ink Business Unlimited® Credit Card

4/5

Compare this card

Rewards Rates

1.5% cash-back

Rewards Rates

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

Intro Offer

$750

Annual Fee

$0

Recommended Credit

670-850

Good, Excellent

670-850

Good, Excellent

Why We Chose It

The Business Unlimited is a perfect addition to the Ink franchise, filling in the rewards gaps the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card don’t cover by offering a solid return on everyday, non-bonus spending.

Pros

No annual fee.
A generous $750 cash-back sign-up bonus.
Flat 1.5% cash back on all purchases.
Primary insurance for car rentals.
0% introductory APR for the first 12 months on purchases (then a variable APR of 17.74% - 23.74% applies)

Cons

Higher spend to receive sign-up bonus.
No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
No travel protections.

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
Member FDIC

Pros

No annual fee.
A generous $750 cash-back sign-up bonus.
Flat 1.5% cash back on all purchases.
Primary insurance for car rentals.
0% introductory APR for the first 12 months on purchases (then a variable APR of 17.74% - 23.74% applies)

Cons

Higher spend to receive sign-up bonus.
No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
No travel protections.

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
Member FDIC

Pros

No annual fee.
A generous $750 cash-back sign-up bonus.
Flat 1.5% cash back on all purchases.
Primary insurance for car rentals.
0% introductory APR for the first 12 months on purchases (then a variable APR of 17.74% - 23.74% applies)

Cons

Higher spend to receive sign-up bonus.
No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
No travel protections.

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
Member FDIC

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

The Business Platinum Card® from American Express

4/5

Compare this card

Rewards Rates

1 - 5X points

Rewards Rates

5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X 1X points for each dollar you spend on eligible purchases.

Intro Offer

120,000 points

Annual Fee

$695

Recommended Credit

670-850

Good, Excellent

670-850

Good, Excellent

Why We Chose It

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return.

Pros

Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).
Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Access to the Fine Hotels & Resorts program and Hotel Collection
International Airline Program and Cruise Privileges Program

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 welcome offer for smaller businesses
Limited high-bonus categories outside of travel

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).
Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Access to the Fine Hotels & Resorts program and Hotel Collection
International Airline Program and Cruise Privileges Program

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 welcome offer for smaller businesses
Limited high-bonus categories outside of travel

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).
Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Access to the Fine Hotels & Resorts program and Hotel Collection
International Airline Program and Cruise Privileges Program

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 welcome offer for smaller businesses
Limited high-bonus categories outside of travel

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

American Express® Business Gold Card

3.5/5

Compare this card

Rewards Rates

1 - 4X points

Rewards Rates

4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X 1X is earned for other purchases. **
25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Intro Offer

70,000 points

Annual Fee

$295

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

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

Pros

Earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back
Comes with a 70,000-point welcome offer

Cons

Hefty $295 annual fee.
Must spend $10,000 on the card in the first three months of card membership
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold cards
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Pros

Earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back
Comes with a 70,000-point welcome offer

Cons

Hefty $295 annual fee.
Must spend $10,000 on the card in the first three months of card membership
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold cards
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Pros

Earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back
Comes with a 70,000-point welcome offer

Cons

Hefty $295 annual fee.
Must spend $10,000 on the card in the first three months of card membership
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold cards
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Apply now at Chase's secure site

Ink Business Preferred® Credit Card

4.5/5

Compare this card

Rewards Rates

1 - 3X points

Rewards Rates

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

100,000 points

Annual Fee

$95

Recommended Credit

670-850

Good, Excellent

670-850

Good, Excellent

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

Pros

One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
Bonus categories that are most relevant 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 100,000-point sign-up bonus.
Subject to Chase's 5/24 rule on card applications.

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
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
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Pros

One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
Bonus categories that are most relevant 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 100,000-point sign-up bonus.
Subject to Chase's 5/24 rule on card applications.

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
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
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Pros

One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
Bonus categories that are most relevant 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 100,000-point sign-up bonus.
Subject to Chase's 5/24 rule on card applications.

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
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
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Apply now at Capital One's secure site

Capital One Spark Miles for Business

4/5

Compare this card

Rewards Rates

2 - 5X miles

Rewards Rates

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

Intro Offer

50,000 miles

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners.

Pros

You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
Employee cards are free and also earn 2x on all spending.
It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
The card comes with minimal perks if you’re wanting additional benefits for when you travel.

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
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
Unlimited 5X miles on hotels and rental cars booked through Capital One 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
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Pros

You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
Employee cards are free and also earn 2x on all spending.
It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
The card comes with minimal perks if you’re wanting additional benefits for when you travel.

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
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
Unlimited 5X miles on hotels and rental cars booked through Capital One 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
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Pros

You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
Employee cards are free and also earn 2x on all spending.
It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
The card comes with minimal perks if you’re wanting additional benefits for when you travel.

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
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
Unlimited 5X miles on hotels and rental cars booked through Capital One 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
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

BEST MARRIOTT CARD FOR BUSINESS OWNERS

Marriott Bonvoy Business® American Express® Card

3.5/5

Go to review

LIMITED TIME OFFER

Compare this card

Rewards Rates

2 - 6X points

Rewards Rates

6X 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4X 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X 2x points on all other eligible purchases.

Intro Offer

Limited Time Offer: Earn 125,000 points

Annual Fee

$125

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The Amex Marriott Bonvoy Business is a solid pick for small businesses card that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version. Read our full review of the Marriott Bonvoy Business Amex Card.

Pros

6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
2 points per dollar on all other eligible purchases
Earn a free-night award each card renewal month (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ airlines

Cons

Airline points transfer ratios are poor
Must spend $60,000 in a year for second free-night award

Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

Pros

6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
2 points per dollar on all other eligible purchases
Earn a free-night award each card renewal month (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ airlines

Cons

Airline points transfer ratios are poor
Must spend $60,000 in a year for second free-night award

Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

Pros

6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
2 points per dollar on all other eligible purchases
Earn a free-night award each card renewal month (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ airlines

Cons

Airline points transfer ratios are poor
Must spend $60,000 in a year for second free-night award

Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

Apply now at Chase's secure site

Ink Business Cash® Credit Card

4/5

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Rewards Rates

1 - 5% cash-back

Rewards Rates

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

Intro Offer

$750

Annual Fee

$0

Recommended Credit

670-850

Good, Excellent

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.

Pros

The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
There is no annual fee, which is perfect for small business owners
You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services up to $25,000 in combined purchases each account anniversary year. Plus, you’ll earn 2% cash back at gas stations and restaurants, up to $25,000 in combined purchases each account anniversary year.

Cons

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

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
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
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
There is no annual fee, which is perfect for small business owners
You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services up to $25,000 in combined purchases each account anniversary year. Plus, you’ll earn 2% cash back at gas stations and restaurants, up to $25,000 in combined purchases each account anniversary year.

Cons

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

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
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
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
There is no annual fee, which is perfect for small business owners
You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services up to $25,000 in combined purchases each account anniversary year. Plus, you’ll earn 2% cash back at gas stations and restaurants, up to $25,000 in combined purchases each account anniversary year.

Cons

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

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
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
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Apply now at Chase's secure site

New Business Card! Ink Business Premier℠ Credit Card

3/5

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Rewards Rates

2 - 5% cash-back

Rewards Rates

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

Intro Offer

$1,000 Cash Back

Annual Fee

$195

Recommended Credit

670-850

Excellent/Good Credit

670-850

Excellent/Good 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

This card offers solid, unlimited bonus rates on broad business categories.

Cons

$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.

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 Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
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.

Pros

This card offers solid, unlimited bonus rates on broad business categories.

Cons

$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.

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 Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
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.

Pros

This card offers solid, unlimited bonus rates on broad business categories.

Cons

$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.

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 Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
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.

Apply now at Capital One's secure site

Capital One Spark Cash Plus

3/5

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Rewards Rates

5% cash-back

Rewards Rates

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

Intro Offer

Up to $1,000 cash bonus

Annual Fee

$150

Recommended Credit

740-850

Excellent

740-850

Excellent

Why We Chose It

The Capital One Spark Cash Plus is a business cash-back card that offers 2% on all purchases. If your business spends more than $7,500 annually and doesn’t want to keep up with multiple bonus categories, this is the perfect card for you. Read our full review of the Capital One Spark Cash Plus.

Pros

Unlimited 2% rewards rate on all purchases with no categories to keep up with
No foreign transaction fees, making this a great card to bring on your travels abroad

Cons

$150 annual fee may be pricey for small business owners

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month

Pros

Unlimited 2% rewards rate on all purchases with no categories to keep up with
No foreign transaction fees, making this a great card to bring on your travels abroad

Cons

$150 annual fee may be pricey for small business owners

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month

Pros

Unlimited 2% rewards rate on all purchases with no categories to keep up with
No foreign transaction fees, making this a great card to bring on your travels abroad

Cons

$150 annual fee may be pricey for small business owners

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month

Apply now at Bank of America's secure site

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

4/5

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Rewards Rates

1.5% cash-back

Rewards Rates

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

Intro Offer

$300

Annual Fee

$0

Recommended Credit

740-850

Excellent

740-850

Excellent

Why We Chose It

The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5x earning rate that could potentially climb to 1.875-2.625x for existing Bank of America customers who participate in the Preferred Rewards for Business program.

Pros

No annual fee.
Unlimited 1.5% earning rate on all eligible purchases, no matter the category.
Bank of America Preferred Rewards members could have access to even more earning potential.

Cons

There’s a 3% foreign transaction fee, so you want to avoid using this card on your international travels.
Redemption options are limited to cash back rewards.

Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don't expire.
No annual fee.
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 an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards - as a deposit into your 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 the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Pros

No annual fee.
Unlimited 1.5% earning rate on all eligible purchases, no matter the category.
Bank of America Preferred Rewards members could have access to even more earning potential.

Cons

There’s a 3% foreign transaction fee, so you want to avoid using this card on your international travels.
Redemption options are limited to cash back rewards.

Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don't expire.
No annual fee.
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 an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards - as a deposit into your 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 the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Pros

No annual fee.
Unlimited 1.5% earning rate on all eligible purchases, no matter the category.
Bank of America Preferred Rewards members could have access to even more earning potential.

Cons

There’s a 3% foreign transaction fee, so you want to avoid using this card on your international travels.
Redemption options are limited to cash back rewards.

Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don't expire.
No annual fee.
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 an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards - as a deposit into your 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 the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

American Express Blue Business Cash™ Card

3.5/5

Compare this card

Rewards Rates

1 - 2% cash-back

Rewards Rates

2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Intro Offer

$250

Annual Fee

No annual fee

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

With no annual fee, the Amex Blue Business Cash card is great for small-business owners on a budget. The simple rewards system, with no rotating categories to track, makes it a great card for everyday business use.

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 22 airline and hotel partners

Cons

2x points capped at $50,000 per calendar year; then 1x
No higher bonus categories for business-related spending

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 22 airline and hotel partners

Cons

2x points capped at $50,000 per calendar year; then 1x
No higher bonus categories for business-related spending

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
Earn Membership Rewards points
Transfer points to 22 airline and hotel partners

Cons

2x points capped at $50,000 per calendar year; then 1x
No higher bonus categories for business-related spending

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Apply now at Bank of America's secure site

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

3.5/5

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Rewards Rates

1 - 3% cash-back

Rewards Rates

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

Intro Offer

$300

Annual Fee

$0

Recommended Credit

740-850

Excellent Credit

740-850

Excellent Credit

Why We Chose It

The Bank of America Customized Cash Rewards card empowers the cardholder to choose their bonus category each quarter (to earn 3% cash back on up to $2,500 in combined purchases per quarter).

Pros

Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)
No annual fee or expiration on rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Cons

Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas 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% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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 Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.
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.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Pros

Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)
No annual fee or expiration on rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Cons

Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas 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% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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 Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.
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.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Pros

Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)
No annual fee or expiration on rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Cons

Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas 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% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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 Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.
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.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Apply now at Chase's secure site

United℠ Business Card

4/5

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Rewards Rates

1 - 2X points

Rewards Rates

2X Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1X Earn 1 mile per $1 spent on all other purchases.

Intro Offer

75,000 Bonus Miles

Annual Fee

$0 Intro for the First Year. $99 After

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The United Business Card is a great option for travelers who have to fly for work, even if it’s only once in a while. Its reasonable annual fee of $99. In the meantime, cardholders can earn 75,000 bonus miles after spending $5,000 on purchases in the first three months of account opening, plus take advantage of bonus earning opportunities on United purchases as well as dining, gas, office supply stores and local transit and commuting. Make more than seven United flight-related travel purchases each year and you’ll get a $100 statement credit, plus earn 5,000 bonus miles each year if you also carry one of United’s personal credit cards.

Pros

Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $100 United travel credit after qualifying purchases each year
If you have a personal United card, too, you can earn 5,000 bonus miles each year
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
Other United cards have higher earning rates on some purchases
You might get more use from transferable points instead of United miles

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent 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.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Pros

Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $100 United travel credit after qualifying purchases each year
If you have a personal United card, too, you can earn 5,000 bonus miles each year
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
Other United cards have higher earning rates on some purchases
You might get more use from transferable points instead of United miles

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent 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.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Pros

Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more
Get a $100 United travel credit after qualifying purchases each year
If you have a personal United card, too, you can earn 5,000 bonus miles each year
Open employee cards at no additional cost

Cons

Redemption options are mostly limited to United and its partners
Other United cards have higher earning rates on some purchases
You might get more use from transferable points instead of United miles

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent 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.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

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