The best business credit cards to add to your wallet
Editor's Note
The best business credit cards don't just support your spending — they work for you. With generous earning rates, valuable perks and benefits that can both elevate your lifestyle and boost your bottom line, the right card becomes a powerful tool in your financial toolkit.
The right business card lets you earn rewards while staying focused on day-to-day operations. Whether you're an established business owner, a freelancer or just launching your first venture, choosing a card that best aligns with your goals is key.
Business credit cards help you separate business and personal spending while offering rewards and perks not typically found on personal cards.
To help make your decision easier, I've curated a selection of the nine top business credit cards from our partners. I personally carry half of the cards on this list and have deep knowledge of the rest, backed by more than a decade of working in the travel rewards industry.
Let's dive in and find the best card for you and your business.
The best business credit cards
- Capital One Venture X Business
- Ink Business Preferred® Credit Card (see rates and fees)
- American Express® Business Gold Card
- Capital One Spark Cash Plus
- The Business Platinum Card® from American Express
- Ink Business Unlimited® Credit Card (see rates and fees)
- Ink Business Cash® Credit Card (see rates and fees)
- The Blue Business® Plus Credit Card from American Express
- United℠ Business Card (see rates and fees)
Comparing the best business credit cards
Here are TPG's top recommendations for best rewards credit cards.
Pointers from The Points Guy
Here's why TPG's Brian Kelly recommends business credit cards.
Capital One Venture X Business
Welcome offer: Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening.
Annual fee: $395.
Standout benefits: I would recommend this card to business owners who spend a lot and want to elevate their personal travels. It offers an incredible welcome bonus — though it comes with a high spending requirement to unlock it.
The card also includes premium travel perks, like a $300 annual travel credit for bookings through Capital One Business Travel, which effectively reduces the annual fee to just $95.
You'll also enjoy access to Capital One's expanding lounge network. I appreciate the calm of the Dallas Fort Worth International Airport (DFW) lounge and the convenience of grab-and-go options during my layovers at Denver International Airport (DEN). The complimentary Priority Pass membership unlocks access to 1,300-plus additional lounges worldwide.
The card has no preset spending limit, which is a great perk for businesses with high monthly expenses. You can also add employee cards at no extra cost.
To learn more, read our full review of the Venture X Business.
Learn more: Capital One Venture X Business
American Express Business Gold
Welcome offer: Find out your offer and see if you're eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Annual fee: $375.
Standout benefits: This card is ideal for high-spending businesses that value flexibility. I like that it automatically earns 4 points per dollar spent in your top two spending categories each billing cycle (on the first $150,000 spent each calendar, then 1 point per dollar) — so you're always maximizing rewards without thinking about it.
Bonus categories include U.S. restaurants, gas stations, advertising and tech providers. It's a strong choice if your spending shifts from month to month.
Although it doesn't come with premium travel perks, the annual fee is partially offset by the up to $240 annual statement credit (up to $20 each month) for U.S. purchases at office supply stores, FedEx (through Oct. 1, 2026) and Grubhub. Enrollment required.
I'm also a big fan of Amex Membership Rewards points — they transfer to over 20 airline and hotel partners, and I regularly take advantage of transfer bonuses to get even more value.
To learn more, read our full review of the Amex Business Gold.
Apply: American Express Business Gold
Capital One Spark Cash Plus
Welcome offer: Earn $2,000 cash back after spending $30,000 on purchases in the first three months from account opening. Plus, earn an additional $2,000 cash back for every $500,000 spent during the first year.
Annual fee: $150.
Standout benefits: This is my top recommendation for businesses that spend a lot and prefer to earn cash back. You'll earn at least 2% cash back on every purchase — with no categories to track — and 5% back on hotels and rental cars booked through Capital One Business Travel.
The large welcome bonus adds even more value, and the $150 annual fee is refunded if you spend $150,000 in a year.
I also like that you can issue employee cards at no extra cost. Just keep in mind that this is a charge card — you'll need to pay your balance in full each month.
To learn more, read our full review of the Spark Cash Plus.
Learn more: Capital One Spark Cash Plus
American Express Business Platinum
Welcome offer: Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Annual fee: $895.
Standout benefits: If you travel often and want luxury perks, this card delivers.
The annual fee is steep, but I think it's justified. You get Clear+ (up to a $209 statement credit annually; subject to auto-renewal) and Global Entry credits ($120 every four years), Gold elite status with Marriott and Hilton, and unbeatable lounge access — including to Centurion Lounges for eligible cardmembers. Enrollment is required for select benefits.
You'll earn 5 points per dollar spent on flights and prepaid hotels through Amex Travel and 2 points per dollar spent on large purchases of $5,000 or more, as well as a number of business-related categories (on the first $2 million spent each calendar year, then 1 point per dollar).
This is the next card I plan to add to my wallet. I just need to time my application right so I can meet the minimum spending requirement and unlock that massive welcome bonus.
To learn more, read our full review of the Amex Business Platinum.
Apply: American Express Business Platinum
Chase Ink Business Unlimited
Welcome offer: Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee: $0.
Standout benefits: This is a great everyday card, especially if you want to earn Chase points without tracking bonus categories.
You'll earn a flat 1.5% cash back on all purchases — which becomes 1.5 Ultimate Rewards points if you also hold an Ink Business Preferred® Credit Card, Chase Sapphire Reserve® (see rates and fees) or Chase Sapphire Preferred® Card (see rates and fees).
That's how I use mine. I pair it with the Ink Business Preferred to turn everyday spending into valuable points I can transfer to airline and hotel partners.
If you don't plan to hold a Chase card that earns transferable points, though, I'd suggest looking for a 2% cash-back card instead.
To learn more, read our full review of the Ink Business Unlimited.
Apply: Chase Ink Business Unlimited
Chase Ink Business Cash
Welcome offer: Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee: $0.
Standout benefits: This card offers one of my favorite ways to earn big on specific business expenses. It earns 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 per year) and 2% at gas stations and restaurants (on up to $25,000 per year).
Again, if you have a Chase points-earning card, you can turn that cash back into fully transferable Chase points — making your rewards even more valuable.
Businesses seeking to earn simple, straightforward cash back on their purchases — especially recurring ones like monthly internet and phone bills — will enjoy how easy it is to accrue rewards with the Ink Business Cash card.
To learn more, read our full review of the Ink Business Cash.
Apply: Chase Ink Business Cash
American Express Blue Business Plus
Welcome offer: Earn 15,000 points after spending $3,000 on eligible purchases in the first three months from account opening.
Annual fee: $0.
Standout benefits: This is my go-to card for everyday business purchases that don't fall into bonus categories. You'll earn 2 points per dollar on the first $50,000 spent annually, then 1 point per dollar after that — all for no annual fee.
I love that you can rack up valuable Amex Membership Rewards points, which you can transfer to over 20 airline and hotel partners. One of my favorite redemptions is to book a lie-flat seat to Madrid by transferring 34,000 points to Club Iberia Plus.
If you want a product that doesn't charge an annual fee and earns flexible, transferable points, this one's tough to beat.
To learn more, read our full review of the Amex Blue Business Plus.
Apply: American Express Blue Business Plus
United Business Card
Welcome offer: Earn up to 110,000 bonus miles and 2,000 PQPs: Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening.
Annual fee: $150.
Standout benefits: I carry this card because I want solid perks when I fly United Airlines — without committing to its premium card. I get a free checked bag, priority boarding and a discount on inflight purchases. The two United Club passes each year are a nice bonus, too.
It also earns 2 miles per dollar spent in useful categories like United purchases, dining, gas stations, office supply stores and transit.
If you also have a personal United card, you'll get 5,000 bonus miles each anniversary — an underrated perk.
But if you're a true United loyalist chasing status or want unlimited lounge access, the United Club℠ Business Card might be a better fit.
The information for the United Club Business 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.
To learn more, read our full review of the United Business Card.
Apply: United Business Card
What to consider when choosing a business credit card
There's no one-size-fits-all business credit card. Instead, ask yourself these key questions to find the best fit for your company:
- Would you like to earn cash back or travel rewards?
- What are your top business spending categories?
- Do you or your employees travel often?
- Are you willing to pay an annual fee?
Cash back vs. travel rewards
If simplicity matters most, go for a flat-rate cash-back card — aim for at least 2% back on all purchases.
If you or your team travels frequently, consider a card that earns transferable points (like Chase Ultimate Rewards points), airline miles (like Delta Air Lines SkyMiles) or hotel points (like Marriott Bonvoy points).
Personally, I prefer cards that earn Chase or Amex points because they're more flexible and often deliver higher value — especially when paired with transfer bonuses.
Welcome bonus
A welcome bonus can be the most valuable part of any card — at least for the first year. Just make sure you can confidently meet the minimum spending requirement — whether that's $3,000 or $30,000 in the first few months.
I always recommend timing new card applications with planned business expenses to hit the bonus organically.
Spending habits
Choose a card that aligns with your regular expenses. If you spend heavily in one or two areas — like dining or shipping — look for a card that rewards that.
If your spending is spread out, pick a card that earns at a solid flat rate or adapts to your top monthly categories.
Annual fee
If you're paying an annual fee, make sure the benefits — like lounge access, statement credits or higher earnings — are worth it. Otherwise, a no-annual-fee card might make more sense.
How we chose the best business credit cards
We evaluated these cards based on the features that matter most to business owners:
- Size and value of the welcome offer
- Earning rates — especially in high-spending categories
- Redemption options, including transfer partners
- Key benefits like lounge access and employee card options
We also considered overall value, flexibility and how easily you can maximize each card based on common business expenses.
Check out our methodology to learn how TPG evaluates and chooses cards for our roundups.
Redemption options for business credit cards
One of the best parts of earning rewards on a business card is using those points, miles or cash back to unlock meaningful value — whether that's covering a business-class flight, offsetting travel costs or simply putting money back into your business.
I've personally used points from several of these cards to book first-class flights to visit family in Australia and cover hotel stays during high-demand events — like a Taylor Swift concert and the Paris Olympics. Those trips would've cost thousands out of pocket.
If you're earning transferable currencies like Chase or Amex points, you'll get the most value by transferring them to airline and hotel partners. For example, I transferred 35,000 Chase points to World of Hyatt for a 10-night stay in Cabo San Lucas, Mexico — a fantastic deal.
Even simple cash-back cards can deliver serious value when you use that money to cover future expenses or free up your budget for growth.
Bottom line
The right business credit card does more than track expenses — it can unlock valuable rewards, simplify operations, and upgrade your travel and lifestyle.
Whether you're just starting out or running a well-established business, there's a card here that can help you earn big, save money and maybe even enjoy a lie-flat seat on your next trip.
Pick the card — or combination of cards — that best fits your spending habits and rewards goals. If you're strategic with how you earn and redeem, everyday business purchases can turn into extraordinary value.
For rates and fees of the Amex Business Gold, click here.
For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Blue Business Plus, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.