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If you’ve got a business, new or old, big or small, you should consider getting a business credit card. Small businesses need access to credit, and these specialized business credit cards can be a great way to fund purchases, manage spending and help save money over time. This guide will review the best business credit cards, broken down by categories. It will also explain how to maximize the benefits of each card.

The best small business credit cards 2019:

Here’s a detailed rundown of the best business credit cards, with each card’s standout benefits and why it could be worth it for your small business. (Note that the bonus valuations are based on TPG’s latest valuations and are not provided by the card issuers.)

The Business Platinum Card from American Express

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

Why it’s our pick as the best business card for travel perks

If you’re a fan of the Hilton Honors or Marriott Bonvoy loyalty programs, the Business Platinum card comes with automatic Gold status, along with numerous other benefits, including Centurion Lounge access, Priority Pass lounge access, Delta Sky Club access (when flying Delta), a $200 annual airline fee credit and a 35% points rebate for flights booked through Amex Travel in first or business class, or economy on the airline of your choice each year. With the 35% rebate, I can book my favorite premium domestic seat, JetBlue’s Mint, for fewer than 39,000 points one way. Plus, 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 purchases over $5,000. Finally, if your small business can hit the steep spending requirements, the limited-time opportunity to earn up to 100,000 bonus points is strongly worth considering.

Current bonus: Earn up to 100,000 bonus points: 50,000 points after you spend $10,000 in the first three months and another 50,000 points after you spend an additional $15,000 on qualifying purchases in the first three months.

Current bonus value: $2,000

Rewards rates:

  • 5 Membership Rewards points per dollar spent on airfare and prepaid hotels booked through American Express Travel
  • 1.5 points per dollar on purchases of $5,000 or more (up to 1 million extra points per year)
  • 1 point per dollar on everything else

Additional standout benefits:

  • Access to Centurion and Priority Pass lounges, plus Delta Sky Clubs when you’re flying Delta (valued by TPG at $325 annually)
  • $200 annual airline fee credit
  • Redeem points directly for first or business class, or for any seat on the airline of your choice, and get a 35% points rebate.
  • Up to $100 in statement credits between January and June and up to $100 in Dell statement credits between July and December for US purchases made on the card when enrolled.
  • Global Entry or TSA PreCheck application rebate (up to $100)
  • A year of Platinum Global access from WeWork, which gets you into more than 300 premium workspaces in 75+ cities when you enroll by Dec. 31, 2019 (valued by TPG at $2,700)
  • No foreign transaction fees (see rates & fees)
  • Terms Apply

Annual fee: $595 (see rates & fees)

Further reading:

APPLY HERE: American Express Business Platinum Card

Ink Business Preferred Credit Card

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

Why it’s our pick as the best card for business bonus categories

If you spend a lot on business travel or social media advertising, you’ll be able to keep earning significant points with this card after the sign-up bonus, thanks to its 3x bonus categories for the first $150,000 in combined purchases made each year. Since TPG’s most recent point valuations peg the value of Chase Ultimate Rewards points at 2 cents apiece, 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 TPG values at $9,000.

You also get great value out of Chase Ultimate Rewards points by transferring them to nine airline and three hotel loyalty programs, which can get you outsized value when you redeem points for free flights with carriers such as British Airways and United, or for award stays at Hyatt properties. Plus the card gives you 25% more value for the points you earn when you redeem them for travel in the Ultimate Rewards portal.

Current bonus: Earn 80,000 points after spending $5,000 on the card in the first three months.

Current bonus value: $1,600

Rewards rates:

  • 3 Ultimate Rewards points per dollar on the first $150,000 spent per year in combined purchases for:
    • Travel (including airfare, hotels, rental cars, train tickets and taxis)
    • Shipping purchases
    • Internet, cable and phone services
    • Advertising purchases made with social media sites and search engines.
  • 1 point per dollar on everything else

Additional standout benefits:

  • Cell phone insurance
  • Primary rental car insurance
  • Employee cards at no additional cost
  • No foreign transaction fees.

Annual fee: $95

Further reading:

APPLY HERE: Ink Business Preferred Credit Card

Southwest Rapid Rewards Performance Business Credit Card

(Photo by Eric Helgas / The Points Guy)

Why it’s our pick as the best business card for Southwest road warriors

This brand new small 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 have A-List or A-List Preferred status. You’ll get four priority boardings each year, which normally cost between $30-$50 each, so that perk alone can make up for the annual fee. And the 365 annual Wi-Fi credits that come with the card mean you can have free internet service on Southwest every single day of the year if you need it.

But the cherry on top is the 80,000 bonus points you’ll get after signing up for the card and spending $5,000 in the first 3 months. Not only are those 80,000 Southwest Rapid Rewards points worth $1,200 based on TPG’s valuations, they also count toward earning the coveted Southwest Companion Pass, possibly the greatest perk across any US airline. That means you can pair this card with either one of the personal Southwest credit cards or the Southwest Rapid Rewards Premier Business Credit Card and reach the 110,000-point threshold to snag a Companion Pass without even getting on a Southwest flight.

Current bonus: Earn 80,000 points after spending $5,000 on the card in the first three months.

Current bonus value: $1,200

Rewards rates:

  • 3 Southwest Rapid Rewards points per dollar spent with Southwest and its hotel and car partners
  • 2 points per dollar spent on social media and search engine advertising, Internet, cable and phone services
  • 1 point per dollar on all other purchases.

Additional standout benefits:

  • Four A1-A15 boarding passes per year when available so you can grab a seat upfront (valued by TPG at $120 annually)
  • Up to 365 $8 Inflight Wi-Fi credits per year, valued at TPG at $80 for an average of 10 flights annually ($8 covers an all-day pass)
  • Up to $100 to cover enrollment fees for Global Entry or TSA PreCheck
  • 9,000 Rapid Rewards bonus points after every cardmember anniversary
  • Employee cards at no additional cost
  • No foreign transaction fees.

Annual fee: $199

Further reading:

APPLY HERE: Southwest Rapid Rewards Performance Business Credit Card

Southwest Rapid Rewards Premier Business Credit Card

Why it’s our pick as the best business card for regular Southwest flyers

If you fly on Southwest at least once a month but don’t need all the extensive perks of the Southwest Performance card, this lower-cost option might be a perfect fit. The card currently comes with a 60,000-point sign-up bonus, and since Southwest doesn’t have blackout dates or seat restrictions, you’ll have no trouble redeeming those points anytime you want. Plus the 6,000 bonus points every year on your anniversary are worth $90 based on TPG’s latest valuations, which practically offsets the cost of the annual fee.

Current bonus: Earn 60,000 points after spending $3,000 in the first 3 months.

Current bonus value: $900

Rewards rates:

  • 2 Southwest Rapid Rewards points per dollar on Southwest and its Rapid Rewards hotel and car rental partners
  • 1 point per dollar spent on everything else.

Additional standout benefits:

  • Receive 6,000 bonus points after every cardmember anniversary
  • Lost luggage reimbursement and baggage delay insurance
  • Get free employee cards and earn points on their spending
  • No foreign transaction fees.

Annual fee: $99

Further reading:

APPLY HERE: Southwest Rapid Rewards Premier Business Card

CitiBusiness AAdvantage Platinum Select World Mastercard

Why it’s our pick as the best business card for American Airlines flyers

This card comes with some solid bonus categories for an airline credit card, and miles earned on this card can be redeemed not only on American Airlines, but on the carrier’s Oneworld alliance partners. You’ll get a free checked bag for you and up to 4 companions when you have this card, even if you don’t charge the airfare to it. Plus, you can give employees free cards, giving you a great way to rack up miles for some big redemptions. The card also comes with the business version of Citi Concierge, which offers 24/7 help with travel, hotel and dining arrangements. Best of all, the annual fee is waived for the first 12 months you have the card.

Current bonus: Earn 60,000 miles after spending $3,000 within the first 3 months of account opening.

Current bonus value: $840

Rewards rates:

  • 2x AAdvantage miles per dollar on American Airlines purchases
  • 2 miles per dollar on telecommunications companies, cable and satellite providers, car rentals and gas stations
  • 1 mile per dollar on everything else

Additional standout benefits:

  • Free checked bag and priority boarding for you and up to 4 traveling companions.
  • Earn a companion certificate for domestic economy travel after spending $30,000 or more each membership year and after the card is renewed.
  • No foreign transaction fees.

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

Further reading:

APPLY HERE: CitiBusiness AAdvantage Platinum Select World Mastercard

Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is one of many that we
(Photo by Isabelle Raphael/The Points Guy)

Why it’s our pick as the best card for everyday business spending

There aren’t many business credit cards that earn two miles on every dollar spent, but the Capital One Spark Miles card does exactly that. And those miles are now more valuable than ever, thanks to the ability to now transfer miles to 15 airline partners. That’s why TPG now values Capital One miles at 1.4 cents each. But if you don’t want to worry about award availability, you can still use the miles to offset any travel purchase that appears on your statement at a rate of 1 cent per mile. On top of all that, the card comes with an annual credit of up to $100 to offset the application fee for either Global Entry or TSA PreCheck, shortening the time it takes to get through the airport and on your way.

Current bonus: Earn 50,000 miles after you spend $4,500 in the first 3 months

Current bonus value: $700

Rewards rates:

  • 2 Capital One miles per dollar on all purchases

Additional standout benefits:

  • Up to a $100 credit to cover enrollment fees for Global Entry and TSA PreCheck
  • Travel protections include travel accident insurance, lost luggage reimbursement, travel accident insurance and auto rental collision damage waiver.
  • Free employee cards
  • No foreign transaction fees.

Annual fee: $95 (waived the first year)

Further reading:

APPLY HERE: Capital One Spark Miles for Business

Hilton Honors American Express Business Card

(Photo courtesy of American Express.)
(Photo courtesy of American Express.)

Why it’s our pick as the best card for Hilton business travelers

The Hilton Gold elite status that comes with the card gets you a 25% point bonus on qualifying spending, a fifth night free on standard room award stays of five nights or more, a fifth night free on standard room award stays of five nights or more, two free water bottles at most Hilton properties and your choice of hotel benefits including a room upgrade (suites not included), bonus points, continental breakfast, snack or non-alcoholic beverage. Also, Hilton has a portfolio of 17 brands with more than 5,700 properties in 113 countries and territories, giving you plenty of opportunities to earn and redeem points. For instance, the 125,000 bonus points from this card will get you three nights at the Grand Naniloa Hotel Hilo Doubletree in Hawaii, at 40,000 points a night.

Current bonus: Earn 125,000 points after you spend $3,000 in purchases on the card in the first 3 months.

Current bonus value: $750

Rewards rates:

  • 12 Hilton Honors points per dollar at hotels and resorts in Hilton’s portfolio
  • 6 points per dollar at US gas stations, wireless telephone services purchases directly from US service providers, US shipping, US restaurants, flights booked directly with airlines or with Amex Travel and car rentals booked directly from select car rental companies
  • 3 points per dollar on all other purchases

Additional standout benefits:

  • Complimentary Hilton Honors Gold status
  • 10 passes per year for Priority Pass Select lounges without restaurant access (valued by TPG at $75)
  • Free employee credit cards (see rates and fees) and expense management tools help you track and organize expenses
  • Travel protections including baggage insurance plan, travel accident insurance, roadside assistance and car rental loss and damage insurance.
  • No foreign transaction fees (see rates and fees)

Annual fee: $95 (see rates and fees)

Further reading:

APPLY HERE: Hilton Honors American Express Business Card

Marriott Bonvoy Business American Express Card

Why it’s our pick as the best card for Marriott business travelers

If you stay at Marriott properties on a regular basis, this is a great time to get this card and score its current welcome bonus of 100,000 Marriott points. Those bonus points alone are enough for a four-night stay at the Courtyard Isla Verde Beach Resort in Carolina, Puerto Rico. Plus the card comes with baggage insurance plan, travel accident insurance, car rental loss and damage insurance and roadside assistance, which are always welcome for business travelers. Just note the card’s application restrictions, which prevent you from earning the welcome bonus if you have or have had a Marriott business card in the last 30 days, or if you’ve had a personal Marriott credit card welcome bonus in the last 24 months.

Current bonus: Earn 100,000 points after you spend $5,000 in purchases within the first 3 months. Offer ends 10/23/19.

Current bonus value: $800

Rewards rates:

  • 6 Marriott Rewards points per dollar at participating Marriott properties
  • 4 points per dollar at US restaurants, gas stations, on wireless telephone services purchased directly from US service providers and on US purchases for shipping
  • 2 points per dollar on all other purchases

Additional standout benefits:

  • Complimentary Marriott Bonvoy Silver elite status
  • Earn Marriott Gold elite status if you spend $35,000 on the card in a calendar year
  • Get 15 elite credits toward the next level of status
  • Receive a free award night good for stays costing up to 35,000 points every year after your account anniversary
  • Earn an additional 35,000-point free night award after you spend $60,000 on your card in a calendar year
  • No foreign transaction fees (see rates & fees)

Annual Fee: $125 (see rates & fees)

Further Reading:

APPLY HERE: Marriott Bonvoy Business American Express Card

United Explorer Business Card

Why it’s our pick as the best business card for United Airlines flyers

We’ve never seen a 100,000-mile bonus on this card, and while it comes with a high $25,000 spending requirement, it’s a card to strongly consider if your business expenses generally fall in that range. Even though United is removing its fixed award chart for flights on or after November 15, you can still find excellent value through the airline’s Star Alliance partnerships, including redemptions like Lufthansa First Class for 110,000 miles one-way with minimal taxes, fees and carrier surcharges.

If you or your employees fly regularly on United, the card also comes with a first free checked bag for you and one companion on the same reservation, priority boarding, two United Club one-time passes each year and, most importantly, expanded award availability for United operated flights. Finally, if you make the $25,000 spend threshold required to get the full 100,000-mile bonus, you’ll even get another 10,000 miles on top thanks to the card’s calendar year bonus miles feature, which only exists on this business version of the card. Just make sure to finish your $25,000 in spending by December 31 for this extra bonus.

Current bonus: Earn 50,000 miles after spending $5,000 in the first three months, plus an additional 50,000 miles after spending $25,000 total within the first six months of account opening.

Current bonus value: $650

Rewards rates:

  • 2 United MileagePlus miles per dollar spent on United purchases
  • 2 miles per dollar at gas stations, office supply stores and restaurants
  • 1 mile per dollar on everything else

Additional standout benefits:

  • Free first checked bag and priority boarding on United flights
  • Two United Club one-time passes after account opening and on each anniversary
  • Employee cards at no additional cost
  • No foreign transaction fees

Annual fee: $95

Further reading:

APPLY HERE: United Explorer Business Card

Brex Corporate Card for Startups

Why it’s our pick as the best corporate card

If your company is looking for access to credit without all the headaches of credit checks or security deposits, Brex could be the perfect card for you. This independent underwriter uses your company’s cash and equity to determine its credit limit, meaning there are no hard pulls on your personal credit report and no personal liability for the credit line. The card is a World Elite Mastercard, so your business will get additional benefits like price protection and extended warranty, along with discounts on Lyft, Boxed and Lufthansa purchases, among others. Brex Exclusive Rewards is a highly competitive rewards program, and now Brex points can be transferred at a 1-to-1 ratio to lucrative airline programs such as Singapore KrisFlyer, Avianca LifeMiles and Air France/KLM Flying Blue.

Current bonus: Earn 30,000 points after spending $1,000 in the first three months from account opening.

Current bonus value: $510

Rewards rates:

  • If your company uses the Brex card exclusively, it will earn:
    • 7x on ride shares and taxis
    • 4x on travel booked through the Brex travel portal
    • 3x on restaurants
    • 2x on recurring software/SAAS
    • 1x on all other spend

Additional standout benefits:

  • Brex points transfer to six transfer partners at a 1:1 ratio, or redeem points directly for travel or a statement credit at 1 cent apiece
  • $5,000 in Amazon Web Services credits to be used over a year
  • $375 off an annual Salesforce subscription with a 25% subscription discount
  • 15% discount off of the list price for any new WeWork desk or office space for up to six months across all US locations
  • Additional partner offers from Google Ads, Zoom and many others
  • World Elite Mastercard benefits
  • No foreign transaction fees

Annual fee: TPG readers who sign-up via the exclusive TPG link will receive waived card fees for life from Brex

Further reading:

APPLY HERE: Brex Corporate Card for Startups

Gold Delta SkyMiles Business Credit Card

Why it’s our pick as the best business card for occasional Delta flyers

If you fly Delta for business travel even twice a year, this card will easily pay for itself in the money you’ll save on checked bag fees from having it. Along with a free checked bag for you and up to eight companions on your reservations, you’ll also get priority boarding on Delta flights and 20% off inflight purchases. The cherry on top is that the card has no annual fee for the first year, so you can try it out at no cost for a full 12 months.

Current bonus: Earn 30,000 miles after you spend $1,000 in the first three months, plus earn a $50 statement credit when you make a Delta purchase in the first three months.

Current bonus value: $410

Rewards rates:

  • 2 Delta SkyMiles per dollar on Delta purchases
  • 1 mile per dollar on everything else

Additional standout benefits: 

  • Main Cabin 1 priority boarding
  • Free checked bag for you and up to 8 companions on the same reservation
  • 20% off inflight purchases
  • No foreign transaction fees (see rates & fees)

Annual fee: $95 (waived the first year) (see rates and fees)

Further reading:

APPLY HERE: Gold Delta SkyMiles Business Credit Card

Platinum Delta SkyMiles Business Credit Card

Why it’s our pick as the best business card for regular Delta flyers

Along with all the features of the Gold Delta Business Amex, this card helps you keep your Delta elite Medallion status — with its Miles Boost feature, you can earn 10,000 bonus miles and 10,000 MQMs after spending $25,000 on the card in a calendar year; earn another 10,000 bonus miles and 10,000 MQMs if you spend $50,000 on the card in a calendar year. If you want to go for Silver, Gold or Platinum status, you can get Delta’s Medallion Qualification Dollars (MQD) requirement (between $3,000 and $9,000) waived by spending $25,000 on the card during a calendar year (though if you want to go for Diamond Medallion status, you’ll have to spend $250,000 on the card to get it). The card comes with a baggage insurance plan, travel accident insurance, roadside assistance and car rental loss and damage insurance.

Current bonus: Earn 35,000 bonus miles  and 5,000 Medallion Qualification Miles after you make $1,000 in purchases on your new card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase on your card in the first 3 months.

Current bonus value: $520

Rewards rates:

  • 2 Delta SkyMiles per dollar on Delta purchases
  • 1 mile per dollar on everything else

Additional standout benefits:

  • Get a free companion certificate (plus taxes and fees) each year after your account renewal for round-trip, main cabin domestic travel
  • Free checked bag and Zone 1 priority boarding for you and up to 8 companions traveling on the same reservation.
  • 20% statement credit when using the card for Delta inflight purchases (minus Wi-Fi).
  • Get a 50% discount on Sky Club airport lounge passes for you and up to two companions, at $29 each per visit.
  • No foreign transaction fees (see rates & fees)

Annual Fee: $195 (see rates & fees)

Further reading:

APPLY HERE: Platinum Delta SkyMiles Business Card

American Express Business Gold Card

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

Why it’s our pick as the best business card for flexible bonus categories

This card is a great option when it comes to points-earning opportunities. The ability to earn 4x points on your top two spending categories is great, and you have the flexibility to change your categories monthly, rather than being locked into a single category per quarter per year. If you max this out, you’d walk away with a whopping 600,000 Membership Rewards points, worth $12,000 based on TPG’s valuations. It’s also great that Amex is offering a Pay With Points rebate on this card; previously, only the Business Platinum and Business Centurion had this perk (but at a 35% rate rather than 25% on this card). The card comes with a baggage insurance plan, travel accident insurance, car rental loss and damage insurance and roadside assistance.

Current Bonus: Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your card within the first 3 months of Card membership. Offer ends 11/6/2019.

Current Bonus Value: $500

Rewards rates:

  • 4 Membership Rewards points per dollar on the first $150,000 spent each year (then 1x) on the two categories where you spend the most each month from the following categories:
    • Airfare purchased directly from airlines
    • US purchases for advertising in select media (online, TV, radio)
    • US purchases made directly from select technology providers of computer hardware, software, and cloud solutions
    • US purchases at gas stations
    • US purchases at restaurants
    • US purchases for shipping
  • 1 point per dollar on everything else

Additional standout benefits:

  • 25% Pay With Points rebate on airfare booked through Amex
  • No foreign transaction fees (see rates & fees)

Annual fee: $295 (see rates & fees)

Further reading:

APPLY HERE: American Express Business Gold Card

Comparing business credit card offers

Here’s how each of these business credit cards stack up against each other in total value. Note that for bonuses that have two spending tiers, we’re only factoring in the rewards you’d earn for meeting the first tier.

Business card Best for Bonus value** Annual fee Total value (including perks)

The Business Platinum Card from American Express

Travel perks $2,000 $595
(see rates & fees)
$4,830

Ink Business Preferred Credit Card

Business bonus categories $1,600 $95 $1,505

Southwest Rapid Rewards Performance Business Credit Card

Best for Southwest road warriors $1,200 $199 $1,301

Southwest Rapid Rewards Premier Business Credit Card

Best for regular Southwest flyers $900 $99 $891

CitiBusiness AAdvantage Platinum Select World Elite Mastercard

Best for American Airlines flyers $840 $99* $840

Capital One Spark Miles for Business

Best for everyday business spending $700 $95* $800

Hilton Honors American Express Business Card

Best for Hilton business travelers $750 $95
(see rates & fees)
$750

Marriott Bonvoy Business American Express Card

Best for Marriott business travelers $800 $125
(see rates & fees)
$675

United Explorer Business Card

Best for United Airlines flyers $650 $95 $555

Brex Corporate Card for Startups

Best corporate card $510 $0 $510

Gold Delta SkyMiles Business Credit Card

Best for occasional Delta flyers $410 $95*
(see rates & fees)
$410

Platinum Delta SkyMiles Business Credit Card

Best for frequent Delta flyers $520 $195
(see rates & fees)
$325

American Express Business Gold Card

Best for flexible bonus categories $500 $295
(see rates & fees)
$205

*Annual fee waived the first year.
**Bonus value is an estimated value calculated by TPG and not the card issuer.

How do we choose the best business credit card?

Bonus value: As you can see, the bulk of the value comes from the welcome bonus itself — I used my latest valuations to calculate a dollar amount for each offer.

Travel credits: From there, I factored in annual travel credits, like the $200 air travel credit offered by the Business Platinum Card from American Express. As the Amex Business Platinum also offers Centurion Lounge access plus Delta Sky Club access when you’re flying Delta, I assigned a value of $250 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: Also, a few of these business credit cards offer tiered bonuses. For these cards, I focused on the value you’d get by meeting the lowest spending requirement. As an example, the Amex Business Platinum Card’s welcome offer has a high minimum spending requirement of $10,000 in the first three months — to earn the full 75,000-point bonus, you’ll have to spend $20,000 in the first three months.

Why should you get 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 supplies, airfare, advertising and gas. In fact, business-specific bonus categories are one of the main ways that business credit cards differ from personal credit cards.

But you need to do your research before applying for a small business credit card. Check out these TPG posts for information on how to use of business credit cards to help your small business:

Requirements to apply for a small business credit card

If you own a small business or even if you 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 just enter your Social Security number instead.

FAQs about small business credit cards

Are business credit and personal credit the same?

Business credit is similar to your personal credit in that it allows potential creditors to judge what kind of a credit risk your business poses. For established firms, 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. When you’re just starting out, 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, Experian, Equifax and Dun & Bradstreet.

How do I check my business credit score?

Dun & 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&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&B file, we recommend that you upgrade to one of our business credit monitoring or credit building solutions.”

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.

Related guides

For rates and fees of the Business Platinum Card, please click here.
For rates and fees of the Amex Business Gold, please click here.
For rates and fees of the Gold Delta Business Amex, please click here.
For rates and fees of the Platinum Delta Business Amex, 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 Amex, please click here.


This is The Points Guy’s permanent page for the best business credit cards, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.

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The Business Platinum® Card from American Express

Aside from the up to 100,000 points welcome bonus, Amex recently made huge improvements to the Business Platinum Card, including the fact that you will now earn 50% more points on purchases of $5,000 or more, earn 5x on flights and eligible hotels at Amextravel.com and cardholders will receive a $200 airline fee credit each year.

Apply Now
More Things to Know
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your 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 1.5 points 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.
  • 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.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$595
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.