Best business credit cards of December 2020
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If you’ve got a business — new or old, big or small — you should consider getting a small business credit card. Small businesses need access to credit, and these specialized business rewards credit cards can be a great way to fund purchases, manage spending and help save money and/or earn rewards over time. This guide will review the best business credit cards, broken down by categories, and explain how to maximize the benefits of each card.
Remember, small business credit cards aren’t just reserved for large businesses with multiple employees and traditional brick and mortar storefronts. You can qualify for a business credit card as a sole proprietor, which means your freelance or independent contractor gig could make you eligible. As a sole proprietor, you may be able to use your Social Security number as your business tax ID and your name as your official business name on your application. If you need help applying, reference our guide to applying for small business credit cards.
TPG’s best business credit cards
- The Business Platinum Card® from American Express: Best for travel perks
- Ink Business Preferred Credit Card: Best for sign-up bonus
- Capital One Spark Cash for Business: Best for business cash back
- Capital One Spark Miles for Business: Best for everyday business spending
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for American Airlines flyers
- The Hilton Honors American Express Business Card: Best for Hilton business travelers
- The Blue Business® Plus Credit Card from American Express: Best for no annual fee
- Southwest Rapid Rewards Performance Business Credit Card: Best for Southwest flyers
- Marriott Bonvoy Business™ American Express® Card: Best for Marriott business travelers
- Ink Business Cash Credit Card: Best for office supplies
- American Express® Business Gold Card: Best for flexible rewards earning
The information for the Capital One Spark Miles and CitiBusiness AAdvantage 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.
Here’s how these small business credit cards stack up against each other in terms of the total value you can obtain in your first year. Note that for bonuses that have two spending tiers, we’re factoring in the rewards you’d earn for meeting both tiers. And for cards that offer select perks that we can assign a discrete value to, we’re also factoring those in.
Comparing business credit card offers
|Credit card||Best For||Bonus value*||Annual fee||Total first-year value (including select perks)|
|The Business Platinum Card® from American Express||Travel perks||$1,500||$595
(see rates & fees)
|Ink Business Preferred Credit Card||Sign-up bonus||$2,000||$95||$1,905|
|Capital One Spark Cash for Business||Business cash back||$500||$95, waived the first year||$500|
|Capital One Spark Miles for Business||Everyday business spending||$700||$95, waived the first year||$800|
|CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
||American Airlines flyers||$980||$99, waived the first year||$980|
|Hilton Honors American Express Business Card||Hilton business travelers||$780||$95
(see rates & fees)
|Blue Business Plus Card from American Express||No annual fee||N/A||$0 (see rates & fees)||N/A|
|Southwest Rapid Rewards Performance Business Credit Card||Southwest flyers||$1,500||$199||$1,721|
|Marriott Bonvoy Business™ American Express® Card||Marriott business travelers||$800||$125 (see rates & fees)||$3,480|
|Ink Business Cash Credit Card
|American Express® Business Gold Card
|Flexible rewards earning||$700||$295 (see rates & fees)||$405|
*Bonus value is an estimate based on TPG’s monthly valuations and is not provided by the card issuer. Note that the bonus valuations listed below are based on TPG’s latest valuations and are not provided by the card issuers.
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.
The best business credit cards
The Business Platinum Card from American Express: Best for travel perks
Annual fee: $595 (see rates and fees)
Current welcome offer: Earn 75,000 points after you spend $15,000 on qualifying purchases within the first three months of account opening. Based on TPG’s valuations, this bonus is worth $1,500.
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.
At the airport, cardholders get access to lounges including Centurion, Priority Pass and Delta Sky Club (when flying Delta) — TPG values this access at $325. In addition, the card comes with up to $200 in annual airline fee 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.
- 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 Dell statement credits between January and June and up to $100 in Dell statement credits between July and December for U.S. purchases made on an enrolled card
- Limited-time perk: Up to $200 in additional statement credits for U.S. purchases with Dell in 2020 — $100 in additional statement credits from May 1 through June 30, 2020, and up to $100 in additional statement credits between July 1 and Dec. 31, 2020
- Limited time perk: Up to $320 in statement credits on wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping (up to $20 per month on each) from May through December 2020
- Global Entry/TSA PreCheck application fee credit
Note that since some of the Dell and wireless/shipping credits applied to previous months and thus aren’t available to new applicants as of today, I’ve adjusted these to $420 — $300 for Dell ($200 in 2020 and $100 in 2021) and $120 for wireless services and shipping purchases ($40 each for October, November and December 2020).
For more details, check our American Express Business Platinum Card review.
Ink Business Preferred Credit Card: Best for travel insurance
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.
- Cellphone insurance, extended warranty protection and purchase protection
- Travel protections including primary rental car insurance and trip cancellation/interruption insurance
- Employee cards at no additional cost
For more details, check our Chase Ink Preferred Card review.
Capital One Spark Cash for Business: Best for business cash back
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.
Capital One Spark Miles for Business: Best for everyday business spending
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 $700.
Why we like it: Capital One miles transfer to more than ten airline and hotel partners including Avianca, Flying Blue and Air Canada. 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 1.4 cents each, so you’re getting a return of at least 2.8%, 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. Plus, if you spend a lot on hotels or rental cars, you can earn 5x miles when you book with the card through Capital One Travel.
- Limited time perk: Redeem your miles at a fixed rate for not only travel, but also food delivery services, takeout and phone services through Dec. 31, 2020.
- Global Entry/TSA PreCheck application fee credit
CitiBusiness AAdvantage Platinum Select Mastercard: Best for American Airlines flyers
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 $980.
Why we like it: The CitiBusiness AAdvantage Platinum Select 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. And through December 2020, spending on this card will count toward your Million Miler balance.
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.
- 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)
Hilton Honors American Express Business Card: Best for Hilton business travelers
Annual fee: $95 (see rates and fees)
Current welcome offer: Earn 130,000 bonus points after you spend $3,000 in purchases on the card in the first three months of account opening. Based on TPG’s valuations, this bonus is worth $780.
Why we like it: If you travel frequently 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.
- 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)
- Free employee credit cards (see rates and fees) and expense-management tools help you track and organize expenses
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: None
Why we like it: The Blue Business Plus has a solid earning rate of 2x 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 those who are 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.
- 0% intro APR 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
Annual fee: $199
Current sign-up bonus: Up to 100,000 bonus points — earn 70,000 bonus points after spending $5,000 on purchases in the first three months, plus, an additional 30,000 points after spending $25,000 on purchases in the first six months. Based on TPG’s valuations, the full bonus is worth $1,500.
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. The 365 annual Wi-Fi credits that come with the card mean you can have free internet service on Southwest every day of the year, if you need it.
- 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
Annual fee: $125 (see rates and fees)
Current welcome bonus: 100,000 Marriott Bonvoy points after you use your new card to make $5,000 in purchases within your first three months of card membership, worth $800 based on TPG’s valuations. Earn up to $150 in statement credits within your first six months of card membership for all eligible purchases on your card on U.S. advertising in select media. Plus, receive complimentary Marriott Bonvoy Platinum elite status for one year, between Feb. 1, 2021, and Jan. 31, 2022 (offer expires on Jan. 13, 2021).
Why we like it: If your business is loyal to Marriott when you travel, Marriott Bonvoy elite status is likely on your radar. The current offer on the Marriott Bonvoy Business Amex is a great opportunity to supercharge your Marriott Bonvoy points balance while setting you up with a year of Platinum elite status — which TPG values at $2,655. And because Marriott recognizes that many aren’t traveling in 2020, that year of Platinum elite status doesn’t start until Feb. 1. 2021, in the hopes that you’ll be able to utilize the perks of status in full.
Of course, the card also comes with a number of 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 and the potential to earn a second after eligible spending each year.
The card also earns 6x points per dollar spent at participating Marriott Bonvoy hotels, 4x 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 purchases
- 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
For more details, read our full Marriott Bonvoy Business Amex card review.
Ink Business Cash Credit Card: Best for office supplies
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.
- 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.
American Express® Business Gold Card: Best for flexible rewards earning
Annual fee: $295 (see rates and fees)
Current welcome offer: Earn 35,000 points after you spend $5,000 on qualifying purchases within the first three months of account opening. Based on TPG’s valuations, this bonus is worth $700.
Why we like it: If you’re looking to maximize earning on business expenses, the Amex Business Gold has the potential to be quite lucrative. You’re earning 4x on the select 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 potentially 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.
- 25% rebate when you use points to pay for all or part of an eligible flight booked through Amex Travel (up to 250,000 points back per calendar year).
- The Hotel Collection, which includes an up to $100 hotel credit to spending on qualifying dining, spa and resort activities and room upgrades upon arrival when available on stays of at least two consecutive nights at participating hotels and resorts.
- Global Assist Hotline
- Travel and shopping protections, including trip delay insurance, baggage insurance, car rental loss and damage insurance, extended warranty and purchase protection.
For more details, read our Amex Business Card review.
There are a lot of credit cards geared toward small businesses, so narrowing down the list to the best ones can be challenging. Here is the criteria we used to choose the cards listed above:
As you can see, the bulk of the first-year value comes from the welcome 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.
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. As the Amex Business Platinum also offers various types of lounge access 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.
More and more business credit cards offer tiered bonuses based on how much your business spends 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.
How to choose a small business credit card
Here are some of the most important factors to consider when deciding on the right credit card for your business:
The most important thing to consider is whether you’ll likely need to carry your balance over month to month, 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.
Which rewards are important to you
You should also take into consideration the kind of spending you do. 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 on amextravel.com. 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.
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.
Pros and cons of getting a business 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. For more information about the best personal credit cards on the market, be sure to check out our best credit cards, best 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 come with fewer consumer protections than personal credit cards.
Requirements to apply for a 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 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.
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’ Employer Identification Number. You can easily get an EIN on the IRS website.
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:
- How to fill out an Amex business card application
- How to complete a Chase business credit card application
- How to complete a Capital One business credit card application
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 — such as 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 changes 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.”
What is the best business card to get?
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?
This being said, many businesses that are looking for simplicity will opt for the Capital One Spark Cash card to earn 2% cash back on all purchases or the Blue Business Plus Credit Card from American Express to earn 2x Membership Rewards points on the first $50,000 in purchases each calendar year (then 1x). And, business travelers may opt for the American Express Business Platinum Card due to the various travel-related benefits offered by the Amex Platinum — especially if they aren’t loyal to a specific airline or hotel brand.
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.
Featured photo by Castleski/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.
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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