Best Credit Cards for Business Travel 2025

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Best for business owners who value premium travel

The Business Platinum Card® from American Express

TPG Editor's Rating

4/5Go to review

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

4/5Go to review

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 bonus earning

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’s sign-up bonus is a generous offer for the card. 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 + 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 bonus earning

Ink Business Preferred® Credit Card

TPG Editor's Rating

4.5/5Go to review

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

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

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

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 flexible rewards earning

American Express® Business Gold Card

TPG Editor's Rating

3.5/5Go to review

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

3.5/5Go to review

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 office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating

4/5Go to review

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.

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 small businesses

Marriott Bonvoy Business® American Express® Card

TPG Editor's Rating

3.5/5Go to review

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
6x	6x 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

Earn 75,000 Marriott Bonvoy® bonus points

Annual fee

$125

Regular APR

19.74% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

The Amex Marriott Bonvoy Business is a solid pick for small businesses 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.

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x 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 Marriott Bonvoy Business® American Express® Card.
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

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

Why we chose it

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x 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 Marriott Bonvoy Business® American Express® Card.
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

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

Best for small businesses

Marriott Bonvoy Business® American Express® Card

TPG Editor's Rating

3.5/5Go to review

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

Intro offer

Earn 75,000 Marriott Bonvoy® bonus points

Annual fee

$125

Regular APR

19.74% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x 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 Marriott Bonvoy Business® American Express® Card.
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 United Airlines flyers

United℠ Business Card

TPG Editor's Rating

4/5Go to review

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

The United Business card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee.

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

The United Business card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee.

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

The United Business card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee.

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

The United Business card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee.

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 Airlines flyers

United℠ Business Card

TPG Editor's Rating

4/5Go to review

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

The United Business card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee.

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

Compare

New to rewards?

State of Loyalty 2026

Best US Airlines

Best Credit Cards for Business Travel 2025

The Business Platinum Card® from American Express

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Intro offer

Annual fee

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Why we chose it

Pros + cons

Pros

Cons

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The Business Platinum Card® from American Express

Intro offer

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Ink Business Preferred® Credit Card

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Why we chose it

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Cons

Ink Business Preferred® Credit Card

Intro offer

Annual fee

Regular APR

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Pros

Cons

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Ink Business Unlimited® Credit Card

Rewards rate

Intro offer

Annual fee

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