The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for business owners who prioritize premium travel perks
The best business credit cards offer generous earning rates, lucrative perks and additional features that positively affect both your bottom line and your operational efficiency. The right business card allows you to earn rewards while focusing on the day-to-day operations of your enterprise — whether you own a formal business with multiple employees, are just getting your company off the ground or simply do freelance work as a side gig, and it’s important to select the best business card for you.
Business credit cards allow you to separate business and personal spending. They also grant access to more rewards and specialized perks that aren’t typically offered on personal credit cards. Consider how your business is spending the most and what rewards you want to earn when choosing your business card — or cards.
To help you with this choice, check out our curated selection and comprehensive guide on some of the best business cards from our partners below.
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.
Our recent survey revealed that 21% of TPG users carry at least one business credit card in their wallet. Business credit cards typically offer excellent welcome bonuses and other great perks, which isn’t surprising considering their popularity.
Additionally, business credit cards often come with valuable business-specific perks and the ability to earn rewards on common business expenses like advertising, office supplies, and phone bills. Add a business credit card to your wallet to optimize your small business spending.
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?
Here are some of the main points to consider when choosing a business credit card:
Find a card that your business can readily meet the minimum spend for its sign-up bonus. A welcome bonus plays a large part in a card’s value as it typically offers more points than can be earned through general business spending.
If your card features an annual fee, it is important to consider if the card’s perks and benefits outweigh the card’s annual fee.
Choose a business card that features elevated earning rates on your regular business spending.
Everything you need to know about business cards
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“Credit pointers with Brian Kelly”
Business and personal credit cards have similar functionalities. Many card issuers allow for personal referrals for business cards. In both cases, you’re extended a line of credit to make purchases, and you agree to pay for those purchases over time based on the cardholder agreement.
However, business credit cards are geared toward small businesses, and depending on the issuer (or specific card product), you may need to produce formal documentation in order to be approved. In addition, business cards typically include bonus categories or benefits that may hold less appeal to the general consumer. This can include bonus rewards on shipping purchases, statement credits for business-related service providers or embedded technology to help with accounting.
Additionally, many personal credit cards pair well with business credit cards. Complementary personal/business card combinations can help you diversify your points earning and bonus categories and can play a part in a responsible spending strategy.
There’s no single card that would be considered the “best” for every, single small business. Instead, it’s important to consider the type of rewards and selection of benefits that make the most sense for your company. If your company travels internationally often, you would want a business credit card with no foreign transaction fee. If you’re not interested in travel rewards, then a cash-back business card could make the most sense. If your small business spends a bunch of money on client dinners, then a business card with a dining bonus could be the best fit.
While it’s not technically “illegal” to use a business card for personal use, it’s generally against the terms and conditions of most business credit cards. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.
Sometimes. It all depends on the given issuer, since some will consistently report business card account information to both consumer and commercial credit bureaus, while others won’t. Instead of worrying about this question, though, focus your energy on paying your balance in full and on time each month. This will ensure that any business cards reported to a credit bureau will only impact your score in a positive way.
Plus, your business credit card could provide multiple benefits to your personal score. This could be done by managing your business credit card account responsibly, which demonstrates you’re a reliable borrower, or lowering your personal credit utilization, for instance.
You certainly can, though each issuer reserves the right to review your application and determine whether you qualify for a business line of credit. In many instances, you can use your Social Security number as a sole proprietor and get approved for a card. Even if you have no business credit history, an issuer will look at your personal credit score and history to determine your eligibility.
It is possible to refer someone to a business card even if you only have personal cards. Every issuer has their own policy regarding rewarding referrals so you will have to check with your specific card issuer to see if you are eligible for a referral bonus. Check out our in-depth guide on earning referral bonuses on both personal and business credit cards.
The best small business credit card will depend on your small business. See what perks and benefits your business is looking for and if the card you're looking at is the best fit for your business spending. You can use our guide above to help you see which card is the best for your business.
There is no limit to the amount of business cards you can have. It is important to know your business and what cards align most with your spending.
While it’s easy and free to check your personal credit score, the process with a business credit report requires jumping through a few more hoops. You can check your business credit score through free services that send alerts when your score or report changes. However, you often have to pay additional fees to view unlimited full reports.
Tracking your business credit score may be a bit harder, but it’s not any less important than your personal credit report
The wording of these two may be similar, but the features of a business credit card and a business line of credit are very different.
A business credit card is like a personal credit card because it allows borrowers to spend with a predetermined credit limit at an annual percentage rate (APR). Most business cards are unsecured, and borrowers can be approved for one without proof of assets or collateral.
A business line of credit is a revolving business loan with a preset credit limit. To be approved for a business LOC, your business’s financial picture and creditworthiness are considered. Sometimes, approval is based on collateral. LOCs are meant to cover day-to-day operative expenses that may exceed a credit limit on a credit card, such as payroll.
The best business cards feature solid welcome bonuses that can maximize value for your business.
Our best business cards feature annual fees that fit smaller and larger budgets.
We chose cards with elevated earning rates across various business expenses.
Our best business cards have various redemption options, providing flexibility for business owners.
The value of additional business-related perks on the card was factored into our ratings.
Best for business owners who prioritize premium travel perks
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for businesses with high-spending
| Rate | Category |
|---|---|
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
Excellent
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Best for businesses with high-spending
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
Excellent
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Best for flat-rate business cash back
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Earn $750 bonus cash back
$0
16.74% - 24.74% Variable
670-850
Good, Excellent
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for flat-rate business cash back
Earn $750 bonus cash back
$0
16.74% - 24.74% Variable
670-850
Good, Excellent
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for high-spending businesses that want simple travel rewards
| Rate | Category |
|---|---|
| 2X miles | Earn 2X miles per $1 on every purchase, everywhere |
| 5X miles | Earn 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel |
Earn 100,000 Miles
$95
24.74% (Variable)
740-850
Excellent
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
Best for high-spending businesses that want simple travel rewards
Earn 100,000 Miles
$95
24.74% (Variable)
740-850
Excellent
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
Best for business travel rewards
| Rate | Category |
|---|---|
| 8x | Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. |
| 5x | Earn 5x total points on Lyft rides through 9/30/27. |
| 4x | Earn 4x points on flights & hotels booked direct. |
| 3x | Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26. |
| 1x | Earn 1x points on all other purchases. |
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for business travel rewards
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for flexible rewards earning
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.* |
| 1X | Earn 1X on all other eligible purchases. |
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
Best for flexible rewards earning
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
Best for business travelers
| Rate | Category |
|---|---|
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Best for business travelers
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Best for unlimited business cash back
| Rate | Category |
|---|---|
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One Business Travel |
Earn $2,000
$150
25.99% (Variable)
740-850
Excellent
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Best for unlimited business cash back
Earn $2,000
$150
25.99% (Variable)
740-850
Excellent
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Best for office supplies
| Rate | Category |
|---|---|
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. |
| 1% | Earn 1% cash back on all other purchases. |
Earn $750 bonus cash back
$0
16.74% - 24.74% Variable
670-850
Good, Excellent
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises. Read our full review of the Chase Ink Business Cash card.
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises. Read our full review of the Chase Ink Business Cash card.
Best for office supplies
Earn $750 bonus cash back
$0
16.74% - 24.74% Variable
670-850
Good, Excellent
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises. Read our full review of the Chase Ink Business Cash card.
Best for no annual fee
| Rate | Category |
|---|---|
| 2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
15,000 Membership Rewards® points
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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. Read our full review of the Blue Business Plus Credit Card from American Express.
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. Read our full review of the Blue Business Plus Credit Card from American Express.
Best for no annual fee
15,000 Membership Rewards® points
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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. Read our full review of the Blue Business Plus Credit Card from American Express.
Best for flat-rate business cash back rewards
| Rate | Category |
|---|---|
| 2% | Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions |
| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel |
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
Excellent
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Best for flat-rate business cash back rewards
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
Excellent
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
What's your favorite business credit card — and why?
Capital One Venture X Business"Capital One lounges are a true destination unto themselves, and as someone who values time with my son, I can spend time in the family room or even get a Peloton or yoga session in between flights — and I get unlimited access with Venture X Business."
Ink Business Cash® Credit Card"The Ink Business Cash has bonus categories that make it a perfect complement to other Chase Ultimate Rewards cards. And since it doesn't have an annual fee, keeping it year after year is a no-brainer."
The Business Platinum Card® from American Express“This card offers many statement credits, including the $250 annual Adobe credit (after spending $600 or more on U.S. purchases made directly at Adobe each calendar year, enrollment required). I don’t use every credit, but they are nice to have in case my needs change.”
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Best for BofA business owners who travel often
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
The Business Platinum Card® from American Express |
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
| business owners who prioritize premium travel perks |
| As High As 300,000 points. Find Out Your Offer. |
| 1 - 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
Capital One Venture X Business at Capital One's secure siteSee rates & fees | businesses with high-spending | Earn 150,000 bonus miles | 2 - 10X miles | $395 | at Capital One's secure siteSee rates & fees |
Ink Business Unlimited® Credit Card at Chase's secure siteSee rates & fees | flat-rate business cash back | Earn $750 bonus cash back | 1.5% cash-back | $0 | at Chase's secure siteSee rates & fees |
Capital One Venture Business at Capital One's secure siteSee rates & fees | high-spending businesses that want simple travel rewards | Earn 100,000 Miles | 2 - 5X miles | $95 | at Capital One's secure siteSee rates & fees |
Offer Extended Sapphire Reserve for Business℠ at Chase's secure siteSee rates & fees | business travel rewards | Earn 200,000 bonus points 150,000 bonus points | 1 - 8X points | $795 | at Chase's secure siteSee rates & fees |
American Express® Business Gold Card at American Express's secure siteSee rates & fees | flexible rewards earning | As High As 200,000 points. Find Out Your Offer. | 1 - 4X points | $375 | at American Express's secure siteSee rates & fees |
Ink Business Preferred® Credit Card at Chase's secure siteSee rates & fees | business travelers | Earn 100,000 bonus points | 1 - 3X points | $95 | at Chase's secure siteSee rates & fees |
Capital One Spark Cash Plus at Capital One's secure siteSee rates & fees | unlimited business cash back | Earn $2,000 | 2 - 5% cash-back | $150 | at Capital One's secure siteSee rates & fees |
Ink Business Cash® Credit Card at Chase's secure siteSee rates & fees | office supplies | Earn $750 bonus cash back | 1 - 5% cash-back | $0 | at Chase's secure siteSee rates & fees |
 Bank of America® Business Advantage Travel Rewards World Mastercard® credit card at Bank of America's secure site | BofA business owners who travel often | Earn 50,000 online bonus points | 1.5X points | $0 | at Bank of America's secure site |
The Blue Business® Plus Credit Card from American Express at American Express's secure siteSee rates & fees | no annual fee | 15,000 Membership Rewards® points | 2X points | No annual fee | at American Express's secure siteSee rates & fees |
Capital One Spark Cash at Capital One's secure siteSee rates & fees | flat-rate business cash back rewards | Earn $1,000 cash back | 2 - 5% cash-back | $0 intro for first year; $95 after that | at Capital One's secure siteSee rates & fees |
| Rate | Category |
|---|---|
| 1.5X | Earn unlimited 1.5 points for every $1 spent on purchases. |
Earn 50,000 online bonus points
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
Excellent Credit
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns unlimited 1.5 points per dollar on all purchases and has no annual fee. It’s a simple way for small-business owners to rack up rewards, especially if they qualify for the Preferred Rewards for Business program, which boosts earning rates up to 2.62 points per dollar spent on all purchases.
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns unlimited 1.5 points per dollar on all purchases and has no annual fee. It’s a simple way for small-business owners to rack up rewards, especially if they qualify for the Preferred Rewards for Business program, which boosts earning rates up to 2.62 points per dollar spent on all purchases.
Best for BofA business owners who travel often
Earn 50,000 online bonus points
$0
16.99% - 26.99% Variable APR on purchases and balance transfers
Excellent Credit
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns unlimited 1.5 points per dollar on all purchases and has no annual fee. It’s a simple way for small-business owners to rack up rewards, especially if they qualify for the Preferred Rewards for Business program, which boosts earning rates up to 2.62 points per dollar spent on all purchases.
