Best business credit cards of July 2021

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

If you’ve got a business — new or old, big or small — you should consider getting a small business credit card. Here are the best business cards from our partners.

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
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4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1.5 - 5X points
more info
  • 5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5XGet 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Intro Bonus

125,000 points
details

Annual Fee

$595

Recommended Credit

670-850
Good, Excellent
more info
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. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $200 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)
  • Extended warranty protection; International Airline Program; and Cruise Privileges Program.

Cons

  • Steep $595 annual fee.
  • Difficulty meeting $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best for travel perks

The Business Platinum Card® from American Express

TPG Editor's Rating

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4/5
  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Intro Bonus
tooltip

125,000 points

Annual Fee

$595

Recommended Credit
tooltip

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. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $200 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)
  • Extended warranty protection; International Airline Program; and Cruise Privileges Program.

Cons

  • Steep $595 annual fee.
  • Difficulty meeting $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best for flexible rewards earning

American Express® Business Gold Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
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3.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 4X points
more info
  • 4XGet 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X1X 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 Bonus

70,000 points
details

Annual Fee

$295

Recommended Credit

670-850
Excellent/Good
more info
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

  • You'll 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 (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold.
  • 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: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for flexible rewards earning

American Express® Business Gold Card

TPG Editor's Rating

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3.5/5
  • 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 Bonus
tooltip

70,000 points

Annual Fee

$295

Recommended Credit
tooltip

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

  • You'll 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 (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold.
  • 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: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating
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4/5
at Chase's secure site

Rewards

1 - 5% cash-back
more info
  • 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 Bonus

$750
details

Annual Fee

$0

Recommended Credit

670-850
Good, Excellent
more info
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. Plus, you’ll earn 2% cash back at gas stations and restaurants 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 $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Best for office supplies

Ink Business Cash® Credit Card

TPG Editor's Rating

tooltip
4/5
  • 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 Bonus
tooltip

$750

Annual Fee

$0

Recommended Credit
tooltip

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. Plus, you’ll earn 2% cash back at gas stations and restaurants 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 $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

TPG Editor's Rating
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4.5/5
at Chase's secure site

Rewards

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

Intro Bonus

100,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Good, Excellent
more info
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 — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee.
  • Bonus categories that are most relevant to business owners; primary car insurance.
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • No travel perks.
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
  • $95 Annual Fee
Best for sign-up bonus

Ink Business Preferred® Credit Card

TPG Editor's Rating

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4.5/5
  • 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 Bonus
tooltip

100,000 points

Annual Fee

$95

Recommended Credit
tooltip

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 — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee.
  • Bonus categories that are most relevant to business owners; primary car insurance.
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • No travel perks.
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
  • $95 Annual Fee
Best for business cash back

Capital One Spark Cash for Business

TPG Editor's Rating
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3.5/5
at Capital One's secure site

Rewards

2% cash-back
more info
  • 2%Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

Intro Bonus

$500
details

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Spark Cash for Business offers a simple, unlimited 2% cash back on every purchase and is ideal for business owners who spend across a wide variety of categories.

Pros

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

Cons

  • Other cards have category bonuses up to 5x
  • $95 annual fee, although the first year is waived
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Best for business cash back

Capital One Spark Cash for Business

TPG Editor's Rating

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3.5/5
  • 2% Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

Intro Bonus
tooltip

$500

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Spark Cash for Business offers a simple, unlimited 2% cash back on every purchase and is ideal for business owners who spend across a wide variety of categories.

Pros

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

Cons

  • Other cards have category bonuses up to 5x
  • $95 annual fee, although the first year is waived
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Best for everyday business spending

Capital One Spark Miles for Business

TPG Editor's Rating
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4/5
at Capital One's secure site

Rewards

2X miles
more info
  • 2XEarn 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 Bonus

50,000 miles
details

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit

670-850
Excellent, Good
more info
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 $850 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
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • 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 Pre✓® 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
Best for everyday business spending

Capital One Spark Miles for Business

TPG Editor's Rating

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4/5
  • 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 Bonus
tooltip

50,000 miles

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit
tooltip

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 $850 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
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • 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 Pre✓® 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
Best all-in-one business credit card

Divvy Business Card

TPG Editor's Rating
tooltip

3/5
at Divvy's secure site

Rewards

No current offer

Intro Bonus

No current offer
details

Annual Fee

$0

Recommended Credit

670-850
Good/Excellent
more info
Why we chose it

Intended for small- and medium-sized businesses, the Divvy card advertises itself as a “card-plus-software” solution, all-in-one. You can earn rewards points, manage your business credit and expenses, conduct automatic business expense reports and file through invoices — all for free.

Pros

  • No annual fee.
  • Get rewarded for paying off your bill more frequently: Earn rewards points on restaurants, hotels, recurring software subscriptions and all other purchases on a weekly, semi-monthly and monthly basis.
  • Enjoy an all-in-one solution with your business credit and expense management tools.

Cons

  • Bonus rewards categories may not align with your business spending habits.
  • Streamlines spend management by combining corporate cards with free expense management software.
  • This Smart card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts.
  • Gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds).
  • See every transaction as it happens, bringing all your spend into one place.
  • No cost; stop spending extra for annual fees, expense management software, and vendor overages.
  • Eliminate expense reports, build your business credit, and never go over budget again.
Best all-in-one business credit card

Divvy Business Card

TPG Editor's Rating

tooltip
3/5
No current offer

Intro Bonus
tooltip

No current offer

Annual Fee

$0

Recommended Credit
tooltip

670-850
Good/Excellent
Why we chose it

Intended for small- and medium-sized businesses, the Divvy card advertises itself as a “card-plus-software” solution, all-in-one. You can earn rewards points, manage your business credit and expenses, conduct automatic business expense reports and file through invoices — all for free.

Pros

  • No annual fee.
  • Get rewarded for paying off your bill more frequently: Earn rewards points on restaurants, hotels, recurring software subscriptions and all other purchases on a weekly, semi-monthly and monthly basis.
  • Enjoy an all-in-one solution with your business credit and expense management tools.

Cons

  • Bonus rewards categories may not align with your business spending habits.
  • Streamlines spend management by combining corporate cards with free expense management software.
  • This Smart card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts.
  • Gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds).
  • See every transaction as it happens, bringing all your spend into one place.
  • No cost; stop spending extra for annual fees, expense management software, and vendor overages.
  • Eliminate expense reports, build your business credit, and never go over budget again.
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 3X points
more info
  • 3XEarn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • 1.5XAfter you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year.

Intro Bonus

85,000 miles
details

Annual Fee

$550

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The return to business travel has come back quicker than anticipated — and if you’re a business owner who’s also a loyal Delta customer, you’ll want to consider this top-tier co-branded card. The Delta SkyMiles Reserve Business is best suited for businesses with lots of expenses, as you’ll earn 3 SkyMiles per dollar on Delta purchases, 1.5 SkyMiles per dollar on all other purchases after you spend $150,000 on the card in a calendar year and 1 SkyMile per dollar on everything else.

Pros

  • Round-trip annual companion certificate upon card renewal.
  • Access to Delta Sky Club and The Centurion Lounge (when flying same-day Delta).
  • Travel and shopping protections, including trip delay insurance, baggage insurance, cell phone insurance and more. Enrollment required for specific benefits.

Cons

  • Limited reward earning rates outside of Delta purchases.
  • Limited Time Offer: Earn 85,000 bonus miles, 20,000 Medallion® Qualification Miles (MQMs), after spending $6,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That’s in addition to the 15,000 MQMs that you would earn with Status Boost.
  • Complimentary Delta Sky Club® Access and complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Pay no foreign transaction fees when you spend overseas.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • Terms and limitations apply.
  • See Rates & Fees
Best for Delta Air Lines flyers

Delta SkyMiles® Reserve Business American Express Card

TPG Editor's Rating

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3.5/5
  • 3X Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • 1.5X After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year.

Intro Bonus
tooltip

85,000 miles

Annual Fee

$550

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The return to business travel has come back quicker than anticipated — and if you’re a business owner who’s also a loyal Delta customer, you’ll want to consider this top-tier co-branded card. The Delta SkyMiles Reserve Business is best suited for businesses with lots of expenses, as you’ll earn 3 SkyMiles per dollar on Delta purchases, 1.5 SkyMiles per dollar on all other purchases after you spend $150,000 on the card in a calendar year and 1 SkyMile per dollar on everything else.

Pros

  • Round-trip annual companion certificate upon card renewal.
  • Access to Delta Sky Club and The Centurion Lounge (when flying same-day Delta).
  • Travel and shopping protections, including trip delay insurance, baggage insurance, cell phone insurance and more. Enrollment required for specific benefits.

Cons

  • Limited reward earning rates outside of Delta purchases.
  • Limited Time Offer: Earn 85,000 bonus miles, 20,000 Medallion® Qualification Miles (MQMs), after spending $6,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That’s in addition to the 15,000 MQMs that you would earn with Status Boost.
  • Complimentary Delta Sky Club® Access and complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Pay no foreign transaction fees when you spend overseas.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • Terms and limitations apply.
  • See Rates & Fees
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 2X points
more info
  • 2XEarn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter

Intro Bonus

15,000 points
details

Annual Fee

No annual fee

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

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

Pros

  • Welcome Offer: 15,000 points after spending $3,000 in the first 3 months of account opening
  • No annual fee.
  • Earn Membership Rewards points; transfer points to 22 travel partners.
  • Comes with extended warranties.
  • Purchase protection, baggage insurance and secondary car rental insurance.

Cons

  • 2x points capped at $50,000 a calendar year (then 1x)
  • No higher bonus categories for business-related spending.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *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 American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Best for no annual fee

The Blue Business® Plus Credit Card from American Express

TPG Editor's Rating

tooltip
4/5
  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter

Intro Bonus
tooltip

15,000 points

Annual Fee

No annual fee

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

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

Pros

  • Welcome Offer: 15,000 points after spending $3,000 in the first 3 months of account opening
  • No annual fee.
  • Earn Membership Rewards points; transfer points to 22 travel partners.
  • Comes with extended warranties.
  • Purchase protection, baggage insurance and secondary car rental insurance.

Cons

  • 2x points capped at $50,000 a calendar year (then 1x)
  • No higher bonus categories for business-related spending.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *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 American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

TPG Editor's Rating
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3/5
at Chase's secure site

Rewards

1 - 3X points
more info
  • 3X3 points per $1 spent on Southwest Airlines‌® purchases.
  • 2X2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services.
  • 1X1 point per $1 spent on all other purchases.

Intro Bonus

80,000 points
details

Annual Fee

$199

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass.

Pros

  • 9,000 points on each cardmember anniversary.
  • Global Entry/TSA PreCheck credit (up to $100).
  • 4 Upgraded Boardings a year.
  • 20% back on inflight drinks and WiFi credits.

Cons

  • $199 annual fee means only those loyal to Southwest will truly benefit.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Inflight WiFi Credits.
  • Global Entry or TSA Pre✓® Fee Credit.
  • Employee cards at no additional cost, earn points on employee spending.
Best for Southwest flyers

Southwest Rapid Rewards® Performance Business Credit Card

TPG Editor's Rating

tooltip
3/5
  • 3X 3 points per $1 spent on Southwest Airlines‌® purchases.
  • 2X 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services.
  • 1X 1 point per $1 spent on all other purchases.

Intro Bonus
tooltip

80,000 points

Annual Fee

$199

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass.

Pros

  • 9,000 points on each cardmember anniversary.
  • Global Entry/TSA PreCheck credit (up to $100).
  • 4 Upgraded Boardings a year.
  • 20% back on inflight drinks and WiFi credits.

Cons

  • $199 annual fee means only those loyal to Southwest will truly benefit.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Inflight WiFi Credits.
  • Global Entry or TSA Pre✓® Fee Credit.
  • Employee cards at no additional cost, earn points on employee spending.
Best for Hilton business travelers

The Hilton Honors American Express Business Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 12X points
more info
  • 12X12X at hotels and resorts in the Hilton portfolio
  • 6X6X on Select Business & Travel Purchases
  • 3X3X on all other eligible purchases. Terms & Limitations Apply.

Intro Bonus

130,000 Points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

For business travelers who stay with Hilton, there is a lot to love about the Hilton Honors American Express Business Card. You’re getting a solid return when you use the card on eligible Hilton purchases, and it comes with a nice array of perks.

Pros

  • Automatic Hilton Gold status (enrollment required)
  • 10 airport lounge visits per year with Priority Pass (enrollment required)
  • Earn a weekend night reward after spending $15,000 on the card each calendar year

Cons

  • Limited redemption flexibility as you can only redeem at Hilton hotels
  • Not ideal for those that don't stay at Hilton properties
  • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
  • See Rates & Fees
Best for Hilton business travelers

The Hilton Honors American Express Business Card

TPG Editor's Rating

tooltip
4/5
  • 12X 12X at hotels and resorts in the Hilton portfolio
  • 6X 6X on Select Business & Travel Purchases
  • 3X 3X on all other eligible purchases. Terms & Limitations Apply.

Intro Bonus
tooltip

130,000 Points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

For business travelers who stay with Hilton, there is a lot to love about the Hilton Honors American Express Business Card. You’re getting a solid return when you use the card on eligible Hilton purchases, and it comes with a nice array of perks.

Pros

  • Automatic Hilton Gold status (enrollment required)
  • 10 airport lounge visits per year with Priority Pass (enrollment required)
  • Earn a weekend night reward after spending $15,000 on the card each calendar year

Cons

  • Limited redemption flexibility as you can only redeem at Hilton hotels
  • Not ideal for those that don't stay at Hilton properties
  • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
  • See Rates & Fees
Best for Marriott business travelers

Marriott Bonvoy Business™ American Express® Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

2 - 6X points
more info
  • 6X6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4X4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2X2x points on all other eligible purchases.

Intro Bonus

75,000
details

Annual Fee

$125

Recommended Credit

670-850
Excellent/Good
more info
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. There’s a 75,000-point welcome offer after you spend $3,000 in eligible purchases and up to $150 in statement credits back on eligible purchases within the first three months of card membership.

Pros

  • 6x points at hotels participating in the Marriott Bonvoy program
  • 4x points at U.S. restaurants, U.S. gas stations.
  • Wireless telephone services purchased directly from U.S. service providers and U.S. shipping; 2x points on all other purchases.
  • Earn a free-night award each card anniversary year; receive 15 elite night credits to jump-start staus; transfer Marriott points to 40+ different airlines.
  • Perks include premium on-property internet access, access to Amex Offers, Amex’s baggage insurance plan, extended warranty, purchase protection and no foreign transaction fees.

Cons

  • Airline points transfer ratios are poor.
  • Card only comes with Silver Bonvoy, Marriott's lowest elite status.
  • Must spend $60,000 in a year for second free-night award.
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, 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 account anniversary. 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 the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees
Best for Marriott business travelers

Marriott Bonvoy Business™ American Express® Card

TPG Editor's Rating

tooltip
3.5/5
  • 6X 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4X 4x points at U.S. restaurants, 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 Bonus
tooltip

75,000

Annual Fee

$125

Recommended Credit
tooltip

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. There’s a 75,000-point welcome offer after you spend $3,000 in eligible purchases and up to $150 in statement credits back on eligible purchases within the first three months of card membership.

Pros

  • 6x points at hotels participating in the Marriott Bonvoy program
  • 4x points at U.S. restaurants, U.S. gas stations.
  • Wireless telephone services purchased directly from U.S. service providers and U.S. shipping; 2x points on all other purchases.
  • Earn a free-night award each card anniversary year; receive 15 elite night credits to jump-start staus; transfer Marriott points to 40+ different airlines.
  • Perks include premium on-property internet access, access to Amex Offers, Amex’s baggage insurance plan, extended warranty, purchase protection and no foreign transaction fees.

Cons

  • Airline points transfer ratios are poor.
  • Card only comes with Silver Bonvoy, Marriott's lowest elite status.
  • Must spend $60,000 in a year for second free-night award.
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, 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 account anniversary. 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 the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

More on the best business credit cards of 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
The Business Platinum Card® from American Express Best for travel perks 125,000 points
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
$595
American Express® Business Gold Card Best for flexible rewards earning 70,000 points
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X is earned for other purchases. **
  • 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.*
$295
Ink Business Cash® Credit Card Best for office supplies $750
  • 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 card purchases with no limit to the amount you can earn
$0
Ink Business Preferred® Credit Card Best for sign-up bonus 100,000 points
  • 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 – with no limit to the amount you can earn
$95
Capital One Spark Cash for Business Best for business cash back $500
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
$0 intro for first year; $95 after that
Capital One Spark Miles for Business Best for everyday business spending 50,000 miles
  • 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.
$0 intro for first year; $95 after that
The Blue Business® Plus Credit Card from American Express Best for no annual fee 15,000 points
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
No annual fee
Southwest Rapid Rewards® Performance Business Credit Card Best for Southwest flyers 80,000 points
  • 3 points per $1 spent on Southwest Airlines‌® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services.
  • 1 point per $1 spent on all other purchases.
$199
The Hilton Honors American Express Business Card Best for Hilton business travelers 130,000 Points
  • 12X at hotels and resorts in the Hilton portfolio
  • 6X on Select Business & Travel Purchases
  • 3X on all other eligible purchases. Terms & Limitations Apply.
$95
Marriott Bonvoy Business™ American Express® Card Best for Marriott business travelers 75,000
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, 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.
$125

The best business credit cards of July 2021

The Business Platinum Card from American Express: Best for travel perks

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $595 (see rates and fees)

TPG Exclusive Offer: Earn 125,000 points after you spend $15,000 on eligible purchases within the first three months of account opening. Based on TPG’s valuations, this bonus is worth $2,500.

Why we like it: If you’re after travel perks, the Amex Business Platinum card is for you. The Business Platinum features a 5x bonus category for airfare and prepaid hotels booked through Amex Travel, along with a 1.5x earning rate for eligible purchases over $5,000 (up to 1 million additional points per calendar year). Cardholders will enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with numerous other benefits. Enrollment required for select benefits.

Cardholders get access to airport lounges, including CenturionPriority Pass and Delta Sky Club (on same-day Delta flights) — TPG values this access at $325. Also, the card comes with up to $200 in annual airline fee statement credits and a 35% points rebate for flights booked through Amex Travel in first or business class on any airline (up to 500,000 points back per calendar year), or in any class on the airline of your choice each year. Enrollment required for select benefits.

Standout benefits:

  • Redeem points directly for first or business class, or any seat on the airline of your choice, and get a 35% points rebate

You’ll also get up to $200 in statement credits for U.S. Dell purchases each year, with up to $100 between January and June and $100 between July and December. (enrollment required)

For more details, check our American Express Business Platinum Card review.

Ink Business Preferred Credit Card: Best for travel insurance

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $95

Current sign-up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening. Based on TPG’s valuations, this bonus is worth $2,000.

Why we like it: If you spend a lot on business travel or social media advertising, you’ll be able to keep earning significant points with the Ink Business Preferred card after the sign-up bonus. The card earns 3x bonus for the first $150,000 in combined travel, shipping, internet, cable, phone services, and advertising purchases made on social media sites and search engines each account anniversary year.

TPG’s most recent point valuations peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories. If you spend the full $150,000, you’ll take home 450,000 Ultimate Rewards points (which are worth $9,000 based on TPG’s valuations).

You also get great value out of Chase Ultimate Rewards points by transferring them to 10 airline and three hotel loyalty programs. Plus the card gives you 25% more value for the points you earn when you redeem them for travel at a fixed value in the Ultimate Rewards portal, a perk also available on other Chase credit cards.

Standout benefits: 

For more details, check our Chase Ink Preferred Card review.

American Express® Business Gold Card: Best for flexible rewards earning

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $295 (see rates and fees)

Current welcome offer: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of account opening. Based on TPG’s valuations, this bonus is worth $1,400.

Why we like it: If you’re looking to maximize earnings on business expenses, the Amex Business Gold has the potential to be quite lucrative.

You’re earning 4x on selecting two categories where your business spent the most each month (up to $150,000 in combined purchases each calendar year; then 1x). Bonus rewards are given automatically based on where you spend, so you don’t have to activate or remember to switch your selections. Eligible categories include the following:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions

While the card doesn’t come with statement credits to help offset the $295 annual fee, you could earn up to 600,000 Membership Rewards points with these bonus categories each year. You’re also getting access to the Membership Rewards program and its array of transfer partners, along with Amex Offers and a 25% rebate when you pay with points on eligible flights.

Standout benefits:

For more details, read our Amex Business Card review. 

Capital One Spark Cash for Business: Best for business cash back

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Annual fee: $95, waived the first year

Current sign-up bonus: Earn a $500 bonus after spending $4,500 in the first three months from account opening.

Why we like it: The value in the simplicity of cash-back business cards can’t be overstated. Although earning transferable points can be more valuable, it can be time consuming to extract that extra value. Also, when it comes to travel rewards credit cards, the rewards can often only be used for travel. Sometimes, your business needs that extra cash for other expenses.

What makes this card one of the best cash-back credit cards is that it earns an unlimited 2% cash back on every purchase. You don’t need to juggle multiple cards as you try to maximize specific bonus categories. Simply swipe the card and enjoy a straightforward return on every purchase.

Standout benefits:

  • Free employee cards

Related: The best Capital One credit cards of 2021

Capital One Spark Miles for Business: Best for everyday business spending

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Annual fee: $95, waived the first year

Current sign-up bonus: The Capital One Spark Miles card has an intro offer of 50,000 miles after spending $4,500 in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $850.

Why we like it: Capital One miles transfer to 15 airlines and four hotel partners, including AviancaFlying BlueAir Canada and Wyndham. And because this card earns at least 2x miles on every purchase, it’s a great option for business owners who want to maximize their everyday purchases.

TPG values Capital One miles at 1.7 cents each, so you’re getting a return of at least 3.4%, regardless of what category your business expenses fall into. You also have the option to use your miles to cover travel expenses at a fixed value of 1 cent apiece, so you’re guaranteed to get an effective return of at least 2% on every purchase.

This is also one of the few cards without a massive annual fee that comes with a Global Entry/TSA PreCheck application fee credit (up to $100 every four years). The $95 annual fee is even waived for the first year.

Standout benefits:

Related: Credit card showdown: Capital One Spark Cash for Business vs. Spark Miles for Business

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for American Airlines flyers

(Photo by John Gribben for The Points Guy)

Annual fee: $99 (fee waived for the first 12 months)

Current sign-up bonus: Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first four months of account opening. Based on TPG’s valuations, this bonus is worth $910.

Why we like it: The CitiBusiness AAdvantage Platinum Select card comes with some solid bonus categories for an airline credit card, and miles earned can be redeemed not only on American Airlines but on the carrier’s Oneworld alliance partners.

You’ll also get a free checked bag for you and up to four companions when you have this card, even if you don’t charge the airfare to it. Best of all, the $99 annual fee is waived for the first 12 months.

Standout benefits:

  • Free checked bag for you and up to four traveling companions
  • Earn a companion certificate for domestic main cabin economy travel after spending $30,000 or more each membership year and after the card is renewed (account must remain open at least 45 days after anniversary date)

The information for the CitiBusiness Platinum Select card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Choosing the best credit card for American Airlines flyers

Hilton Honors American Express Business Card: Best for Hilton business travelers

(Photo by Meghan Hunter/The Points Guy)
Use your Hilton points to visit the Hilton Grand Wailea. (Photo by Meghan Hunter/The Points Guy)

Annual fee: $95 (see rates and fees)

Current welcome offer: Earn 130,000 points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021. Based on TPG’s valuations, this bonus is worth $780.

Why we like it: If you frequently travel for business and stay at Hilton properties often, the Hilton Business Amex could be a great option for you. The Hilton Gold elite status that comes with the Amex Hilton Honors business credit card gets you several perks, including a 20% point bonus on qualifying spending, a fifth night free on standard room award stays of five nights or more, room upgrades and free breakfast at most properties.

You’ll also earn 12x Hilton Honors points for eligible purchases at hotels and resorts in Hilton’s portfolio; 6x points at eligible U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, U.S. shipping companies, U.S. restaurants, flights booked directly with airlines or with Amex Travel, and car rentals booked directly from select car rental companies; and 3x on all other eligible purchases. Terms apply.

Standout benefits:

  • Complimentary Hilton Honors Gold status and the ability to spend to Diamond status
  • 10 passes per year for Priority Pass lounges without restaurant access (valued by TPG at $75)
  • Complimentary employee credit cards (see rates and fees) and expense-management tools help you track and organize expenses
    • Enrollment required for select benefits.

For more details, read our Hilton Honors American Express Business Card review.

Blue Business Plus Card from American Express: Best for no annual fee

Annual fee: $0 (see rates and fees)

Current welcome offer: Earn 15,000 points after spending $3,000 in the first 3 months of account opening

Why we like it: The Blue Business Plus has a solid earning rate of 2 Membership Rewards points per dollar spent on the first $50,000 in purchases each calendar year (then 1x). If your small business spends less than $50,000 each year in purchases, the Blue Business Plus can be a good no-annual-fee option that provides an effective 4% return on spending based on TPG’s valuations. For those just getting started with their business or looking for an everyday spending card to cover the expenses that may not fall under the bonus categories of other business credit cards, this is a great option.

Standout benefits:

  • 0% intro APR (see rates and fees) on purchases for the first 12 months of account opening (13.24% – 19.24% variable APR applicable after) (see rates and fees)

For more details, read our Blue Business Plus Credit Card from American Express review.

Southwest Rapid Rewards Performance Business Credit Card: Best for Southwest flyers

(Photo by John Gress Media Inc/Shutterstock)

Annual fee: $199

Current sign-up bonus: 80,000 bonus points after you spend $5,000 on purchases in the first three months of account opening. Based on TPG’s valuations, the full bonus is worth $1,200.

Why we like it: The Southwest Performance Business credit card is a perfect fit for Southwest fans. It comes with plenty of perks that will make business trips on the airline more comfortable than ever, especially for those who don’t yet have A-List or A-List Preferred status. The card earns 3x on Southwest flights and its hotel and car partners, 2x on social media and search engine advertising, Internet, cable and phone services and 1x on everything else. Plus, the sign-up bonus gets you much closer to earning the coveted Southwest Airlines Companion Pass.

You’ll get four priority boarding positions each year, which normally cost $30-$50 each, so that perk alone can offset the annual fee. Cardholders also receive a 365 days annual Wi-Fi credit that comes with the card, worth $8, which means you can have free internet service on Southwest every day of the year if you need it.

Standout benefits:

  • Four priority boarding positions per year (valued by TPG at $120 annually)
  • Up to 365 $8 inflight Wi-Fi credits per year ($8 covers an all-day pass, valued by TPG at $200 annually)
  • Up to $100 every four years to cover enrollment fees for Global Entry or TSA PreCheck
  • 9,000 Rapid Rewards bonus points after every cardmember anniversary (worth $135 based on TPG’s latest valuations)
  • Employee cards at no additional cost

For more details, read our Southwest Performance Business credit card review.

Marriott Bonvoy Business™ American Express® Card: Best for Marriott business travelers

The Marina Del Rey Marriott. (Photo courtesy of Marriott)

Annual fee: $125 (see rates and fees)

Current welcome bonus: Earn 75,000 bonus points after you spend $3,000 in eligible purchases in the first three months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made within the first three months of card membership. The full bonus is worth up to $750 based on TPG’s valuations.

Why we like it: If your business is loyal to Marriott when you travel, Marriott Bonvoy elite status is likely on your radar. The Marriott Bonvoy Business Amex’s current offer is a great opportunity to supercharge your Marriott Bonvoy points balance. Of course, the card also comes with several benefits for business travelers. You’ll get 15 elite night credits annually (which can be stacked with a Marriott Bonvoy consumer card, meaning you could earn up to 30 elite night credits from your credit cards alone). The card also comes with a free-night award (up to 35,000 points) and the potential to earn a second after eligible spending each year valid at hotels participating in the Marriott Bonvoy program.

The card also earns 6 points per dollar spent at hotels participating in the Marriott Bonvoy program, 4 points per dollar spent at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and on purchases made from merchants in the U.S. for shipping and 2x on all other eligible purchases

Standout benefits:

  • 15 elite night credits each year, granting you automatic Silver elite status (or Gold status if you also have 15 nights from a personal Marriott card)
  • Free-night award each year (up to 35,000 points in value), plus the ability to earn a second night after spending $60,000 in a calendar year
    • Enrollment required for select benefits.

For more details, read our full Marriott Bonvoy Business Amex card review

Ink Business Cash Credit Card: Best for office supplies

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Annual fee: $0

Current sign-up bonus: Earn a $750 bonus after spending $7,500 in the first three months from account opening.

Why we like it: The Ink Business Cash earns 5% 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, plus 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year. For business owners who spend primarily in those categories, this is a great option.

If you also have a card that earns Chase Ultimate Rewards points — such as the Chase Sapphire Preferred Card — the Ink Business Cash’s rewards can be combined in a single Ultimate Rewards account. That means you could potentially earn up to 5x (a 10% return) on business expenses.

Standout benefits: 

  • Purchase protection and extended warranty
  • Car rental coverage, travel and emergency assistance services and roadside dispatch
  • Employee cards at no cost

For more details, see the full card review for the Ink Business Cash card.

Research methodology

There are many credit cards geared toward small businesses, so narrowing down the list to the best ones can be challenging. Here are the criteria we used to choose the cards listed above:

Bonus value

As you can see, the bulk of the first-year value comes from the sign-up bonus itself — I used our latest valuations to calculate a dollar amount for each offer. Other solid business cards — such as the Costco Anywhere Visa® Business Card by Citi — aren’t included because they don’t currently offer a sign-up bonus and are bested by other cards in terms of first-year value as a result.

Related: The best cards for each business credit card category

Travel credits

From there, I factored in annual travel credits, like the up to $200 annual airline credit offered by the Business Platinum Card from American Express (enrollment required). As the Amex Business Platinum also offers various lounge access types through the American Express Global Lounge Collection, I assigned a value of $325 for these perks. Additionally, if a card waives its annual fee for the first year, I didn’t subtract that from the value of the welcome bonus and other perks since this post is focused on how much you’ll get from the card as a new applicant.

Bonus requirements

More and more business credit cards offer tiered bonuses based on your business spending in the first three to six months. In the past, I focused on the value you’d get by meeting only the lowest spending requirement, but many business credit cards require higher tiers of spending. That said, given the ability of businesses to put large expenses on credit cards, I’m now including the maximum number of bonus points you can earn — assuming your business meets all the spending requirements.

Related: The ultimate guide to credit card application restrictions

How to choose a small business credit card

There’s no single best business card. Instead, the best business card for your small business depends on various aspects. For example, do you prefer earning cash-back rewards, airline miles, hotel points or transferrable currencies? Are you willing to pay an annual fee? What categories does your business spend the most in each year? Do you or your employees travel frequently, and if so, would there be a benefit in having hotel elite status or a checked bag allowance when flying?

Which rewards are important to you

You should also take into consideration the kind of spending you make. For example, if you spend a lot of money on travel for business, then The Business Platinum Card® from American Express might be the best card for you, as it offers 5x points on flights and prepaid hotels booked with Amex Travel. In other words, the more you spend on travel, the more you’ll be rewarded.

It’s also a good idea to check out possible reward expirations, minimum redemption amounts and earning limits for cards before making your final decision.

Spending habits

The most important thing to consider is whether you’ll likely need to carry your balance over a month-to-month basis, as this would mean you’d need to consider a card with a 0% intro APR period or a fixed low-interest rate.
Or, if you plan on paying your balance each month in full, then you might consider going for a card that has the biggest sign-up bonus and the most lucrative rewards.

Does the card have business-friendly benefits?

You may notice that on closer inspection, some business credit cards offer extra little perks like itemized end-of-year statements, employee cards and in-app functionality for uploading photos of receipts to match with card purchases.

Related: How to choose the right credit card for you

Pros and cons of getting a business credit card

A business credit card can help you maximize your purchases, separate your expenses and save money on interest each year. These business credit cards offer bonus rewards on categories popular with small businesses, such as office suppliesairfareadvertising and gas.

In fact, business-specific bonus categories are one of the main ways that business credit cards differ from personal credit cards. For more information about the best personal credit cards on the market, be sure to check out our best credit cardsbest rewards credit cards and best travel credit cards pages to find the perfect partner to pair with your new business card.

But you need to do your research before applying for a small-business credit card. While business cards often offer tailored bonus categories and additional benefits for business owners, they also have fewer consumer protections than personal credit cards.

Related: The best business and personal credit card combinations

How to get the most out of your business credit card

Your card’s arrived and you’re all excited. But what next? There are several ways to make sure you’re making the most out of your card — here are some key habits to adopt.

Use it as often as possible
The more you use your card, the more points and rewards you’ll earn. It can be strange to switch up spending habits, but try to switch to using your business credit card as your go-to option rather than cash, debit, bank transfers or other payment methods.

Earn your sign up bonus
The sign-up bonus is one of the most, if not the most, lucrative ways of earning lots of points or air miles and for the least amount of effort.

Sign-up bonuses are usually in the form of spending a certain amount of money in a certain amount of time. Remember, if you don’t think you’ll hit the spending limit, you may want to reconsider taking out the card in the first place.

Claim interest and fees as tax deductions
Some credit card fees and interest are deductible from your tax returns as business expenses. If you’re not sure how this works, check with your accountant.

Pay statement on time
Pay today, don’t delay. No, this is not a commercial, it’s the single most important rule that should stop you from running into any issues with credit and interest.

If you cannot make your card payments on time, don’t take out the card.

How to apply for a business credit card

If you own a small business or just do freelance gigs, you could be eligible for a business credit card. You don’t necessarily need a tax ID or an Employer Identification Number (EIN) to qualify for a business credit card; if you’re a sole proprietor with a small business or side gig, you can usually enter your Social Security number (SSN) instead.

Information you’ll need to provide

When filling out an application form for a business credit card, there are some extra pieces of information required in addition to what you might provide for a personal credit card application.
This is likely to include:

The name of your business
If you’re the sole owner of your small business, you might not even have a designated name for it. If this is the case, don’t worry, you’re allowed to use your own name instead.

Contact information
Similarly, if you don’t have a separate business contact number and mailing address, you can also use your own here too.

A Taxpayer Identification Number
There are two numbers you could use for this, depending on how your business is set up. If you’re the sole business owner, you can use your Social Security number. Or, in the instance that you employ staff or have a more formal business structure, then you should use your business’s Employer Identification Number. You can easily get an EIN on the IRS website.

Your industry
It’s up to you how you want to describe your business; you can either use more rigid categories like travel, food and drink, or retail, or you can describe the exact service you provide should your business type not fall into those categories.

How long you’ve been in business
This one’s pretty self-explanatory.

Revenue and expenses
This is the part where you enter how much money your business makes and how much your outgoings were to run your business.

What you do not need

A specific business type
Whether you have a structured company, LLC or partnership, or you operate without a formal or legal business structure, you’re still perfectly eligible to apply.

Business credit history
In most cases, your small business credit card would be guaranteed by you personally and not the business itself. This means that you won’t be required to include an existing credit history for your business.

Check out the following guides to applying for small-business cards for issuer-specific strategies:

Related: 5 ways you might be eligible for a business credit card without realizing it

Business credit versus personal credit

Business credit is similar to your personal credit in that it allows potential creditors to judge what kind of credit risk your business poses. A higher business credit score could mean you’ll have better access to loans and lines of credit, lower interest rates, and cheaper insurance premiums for established firms.

Having business credit helps keep your business and personal finances from affecting each other in the long run.

An important thing to remember when considering both business and personal credit is that making payments on time is crucial to avoid damaging your credit score.

Reporting bureaus

Credit reporting bureaus are companies that generate both business and personal credit scores. They gather information about a person or a business’s debt and use it to decide how risky lending money to them would be. The higher your credit score, the lower the risk, and the more likely it is you’ll be accepted for more credit.

When you’re just starting, you won’t have a business credit score, at least until you open a business credit card or secure a line of credit from a vendor that reports to the business credit bureaus — such as Experian, Equifax and Dun & Bradstreet. For personal credit, the main bureaus are Equifax, Experian and TransUnion.

If you’re looking to build up your business credit, we advise taking extra care when deciding which vendors and business suppliers you do business with, as not all of them report your financial activity to the business bureaus.

Credit score range

Credit scoring systems differ for business and personal credit. For business scores, the range is commonly from zero to 100 and for personal scores, you’ll likely see a range of 300 to 850.

Access to score

Getting access to your personal credit score is relatively easy. Federal law entitles you to a copy of your credit report once every 12 months from each of the main three bureaus, for free.

Unfortunately, the same cannot be said for access to your business credit report and score as the major bureaus’ charge for this.

Related: Credit card showdown: Amex Platinum vs. Amex Business Platinum

Frequently asked questions

What is the difference between a small business credit card and a corporate credit card?

The main difference between the two cards is where the responsibility lies for the card’s debt. Additionally, each card has a different credit check process during application.

For small-business owners of credit cards, the business owner is personally responsible for paying the debt. Once you’ve applied for the card, issuers will check your own personal credit history as well as that of your small business. That’s in addition to a guarantee that you agree to repay any debt.

However, for corporate cards, it’s the business itself that is responsible. This means that should the company run into financial difficulties; it would not fall on the owner(s) to pay the debt. The credit history for only the business and not the owners is the only requirement for credit checks.

How do I check my business credit score?

Dun and Bradstreet offers a free service called CreditSignal, which gives you alerts when your scores or reports change but doesn’t give you access to the full reports themselves. Here’s what the fine print on the website says:

“CreditSignal only indicates that your D and B scores and ratings have changed and alerts you when your business credit file has been purchased. To view actual scores and ratings and learn about what industries are purchasing your D and B file, we recommend that you upgrade to one of our business credit monitoring or credit building solutions.”

Related: The best no-annual-fee business credit cards

Can I use a business credit card instead of a business loan?

Yes, but you should take into account your specific business needs. Business credit cards are faster and allow you to use only what you need — though if you aren’t able to pay your balances in full and on time every month, you may be hit with big interest charges. If your business cycle is a few months between incurring the expenses and receiving payment from a customer, a business loan may be a more cost-effective solution.

Related reading: Small-business credit card vs. corporate credit card: Which is right for your business?

Do I need an Employer Identification Number (EIN) to get a small business credit card?

When applying for a small-business credit card, you’re likely to be asked for the business’ tax identification number. This doesn’t have to be an EIN, but you can use it if you have one.

Instead, if you’re the sole business owner, you’ll have to use your Social Security number.

Either an EIN or Social Security number will be required to prove which entity will be guaranteeing the debt.

Additional reporting by Stella Shon and Daniel Ross

Featured photo by Roman Chazov/Shutterstock

For rates and fees of the Business Platinum Card, please click here.
For rates and fees of the Hilton Honors Business Amex, please click here.
For rates and fees of the Marriott Bonvoy Business card, click here.
For rates and fees of the Blue Business Plus, please click here.
For rates and fees of the Amex Business Gold, please click here. 

Benét J. Wilson is the senior credit cards editor for TPG. Known as the Aviation Queen, she's a veteran aviation journalist who has covered airports, security and the airline passenger experience. She now helps you find the best ways to use your credit cards. Her idea of heaven is being the main character in the movie "The Terminal."
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