Rewards Calculator: Best Business Credit Cards [2021]

Earning rewards on business spend can lower your expenses. Get our picks for best business credit cards and calculate which cards earn you the most.

Earning rewards on business spend can be very beneficial for both small and large businesses. Rewards earned can be used to help cut down expenses by applying them towards statement balances, big ticket purchases, or even travel. Business credit cards can also offer a numerous amount of other perks including purchase protection, 0% intro APR, expense tracking tools, discounts on business purchases with select retailers, travel benefits such as complimentary elite status, and much more.

This page covers credit cards that can help you build rewards on your business spend and will offer you the ability to calculate which business cards can earn you the best return. Our top picks for best business credit cards are:

Chase Ink Business Preferred® Credit Card
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Capital One Spark Cash for Business
Rewards Rate
2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
American Express® Business Gold Card
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Chase Ink Business Cash® Credit Card
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
The Blue Business® Plus Credit Card from American Express
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • Terms Apply.
American Express Blue Business Cash™ Card
Rewards Rate
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply.
Capital One Spark Cash Select for Business
Rewards Rate
1.5%
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees
The Hilton Honors American Express Business Card
Rewards Rate
12X
Earn 12X at hotels & resorts in the Hilton portfolio
6X
Earn 6X on Select Business & Travel Purchases
3X
Earn 3X on all other eligible purchases.
Intro Bonus
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.
  • Terms Apply.
Marriott Bonvoy Business™ American Express® Card
Rewards Rate
6X
Earn 6x points at participating Marriott Bonvoy hotels.
4X
Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X
Earn 2x points on all other eligible purchases.
Intro Bonus
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms Apply.
Delta SkyMiles® Platinum Business American Express Card
Rewards Rate
3X
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
1.5X
Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year.
1X
1 Mile on every eligible dollar spent on other purchases.
Intro Bonus
Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
Annual Fee
$250
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That’s in addition to the 10,000 MQMs that you would earn with Status Boost.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
  • Terms and limitations apply.

Best Business Credit Cards

Credit Card Annual Fee Best For Rewards Calculator
Chase Ink Business Preferred® Credit Card $95 Travel & Business Purchases Calculate
Capital One Spark Cash for Business $0 the first year, then $95 Flat-Rate Cash Back Calculate
American Express® Business Gold Card $295 Flexibility & Rewards Calculate
Chase Ink Business Cash® Credit Card $0 Office Supply & Utilities Calculate
The Blue Business® Plus Credit Card from American Express $0 Rewards at No Annual Fee Calculate
American Express Blue Business Cash™ Card $0 Cash Back For Small Businesses Calculate
Capital One Spark Cash Select for Business $0 Flat-Rate Cash Back at No Annual Fee Calculate
The Hilton Honors American Express Business Card $95 Hilton Business Travelers Calculate
Marriott Bonvoy Business™ American Express® Card $125 Marriott Business Traveler Calculate
Delta SkyMiles® Platinum Business American Express Card $250 Frequent Delta Business Flyers Calculate

Best For Travel & Business Purchases: Chase Ink Business Preferred® Credit Card

One of the best business cards on the market is the Chase Ink Business Preferred® Credit Card. It earns 3X Ultimate Rewards Points on travel, shipping, internet, cable services, phone services, and advertising purchases while all other purchases earn 1X. As a cardholder, you'll receive a 25% boost to point value towards travel redemptions made through Chase Ultimate Rewards which gives you an easy point value of 1.25 cents. Points can also be transferred to Chase's airline and hotel partners which includes United, Southwest, and Hyatt.

Best For Flat-Rate Cash Back: Capital One Spark Cash for Business

If your business expenses exceed $5,000 per month and you're looking for a simple cash back credit card, you'll want to check out the Capital One Spark Cash for Business Card. It earns an unlimited 2% cash back on all purchases ran through the card. Cash back earned can be used to offset business expenses made to the card or be put toward redemptions such as travel and gift cards. The card also has no foreign transaction fee which is great if your business deals with international travel and spending.

Best For Flexibility & Rewards: American Express® Business Gold Card

The American Express® Business Gold Card is one of the best business credit cards on the market for earning rewards. It earns 4X Membership Rewards Points on two categories you spend the most in during the month on up to the first $150,000 in combined purchases from these select two categories each calendar year. There's six categories you can choose from which are: airfare, U.S. gas station, U.S. shipping, U.S. advertisement, U.S. restaurant, and U.S. computer hardware/software/cloud computing. In addition to high earning rates, the card offers a 25% point rebate on airfare redemptions made though the American Express which means you'll use fewer points when booking airfare. This bumps up the value of points and makes the American Express Business Gold Card a great option to pair with any other Membership Rewards credit cards you may own to maximize your rewards.

Best For Office Supply & Utilities: Chase Ink Business Cash® Credit Card

The best credit card for spending at office supply stores and paying for utilities is the Chase Ink Business Cash® Credit Card. It earns 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. It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year as well as 1% back on everything else. The card earns Ultimate Rewards Points which can be redeemed for cash at 1 cent each. If you pair this card with one of the primary Ultimate Rewards credit cards such as the Chase Ink Business Preferred® Credit Card or Chase Sapphire Reserve®, you'll be able to take advantage of the point value boost these cards offer as well as be able to transfer your earned rewards to Chase's airline and hotel partners.

Best For Rewards at No Annual Fee: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express earns 2X Membership Rewards Points on the first $50,000 in purchases made during the calendar year, then 1X after that. Points earned with the card can be redeemed towards travel at a value of 1 cent per point or be transferred to AMEX's airline and hotel partners. The Blue Business Plus Credit Card is the best option in the Membership Rewards program for miscellaneous purchases and pairs well with just about any card in the program including the American Express Business Gold Card.

Best For Cash Back For Small Businesses: American Express Blue Business Cash™ Card

The American Express Blue Business Cash Card is one of the best cash back credit cards for small businesses that want to earn easy flat-rate cash back across all business expenses. It earns 2% cash back on the first $50,000 in purchases made during the calendar year, then 1% back thereafter for the remainder of the year. It is the better option over The Blue Business Plus Credit Card if you do not plan on redeeming rewards towards travel.

Best For Flat-Rate Cash Back at No Annual Fee: Capital One Spark Cash Select for Business

If you're looking for a no-annual fee credit card that can earn you unlimited cash back at a great rate, check out the Capital One Spark Cash Select for Business. It earns 1.5% cash back on all purchases with no cap on how much cash back you can earn. The card also has no foreign transaction fee which makes it great if your business has international expenses.

Best For Hilton Business Travelers: The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is one of the best hotel business credit cards available. It earns 12X Hilton Honors Points at Hilton properties, 6X on restaurants, wireless phone providers, gas stations, and shipping purchases all within the U.S., 6X on airfare booked directly with airlines or Amex Travel and car rentals, and 3X spent everywhere else. Benefits of The Hilton Honors American Express Business Card include complimentary Hilton Honors Gold status, 10 priority pass visits, and the ability to earn up to two Weekend Night Rewards running spend through the card.

Best For Marriott Business Traveler: Marriott Bonvoy Business™ American Express® Card

The Marriott Bonvoy Business™ American Express® Card is a solid option if you're looking to earn Marriott Bonvoy Points on your business purchases. The card earns 6X Marriott Bonvoy Points with Marriott, 4X on restaurant, wireless phone providers, gas station, and shipping purchases all within the U.S., and 2X on everything else. Along with those great earning rates, you'll receive benefits such as an annual free night at a 35,000-point or lower hotel, 15 elite nights towards status, and complimentary Marriott Silver Elite status.

Best For Frequent Delta Business Flyers: Delta SkyMiles® Platinum Business American Express Card

Delta has several business cards, but the most well-rounded card in my opinion is the Delta SkyMiles® Platinum Business American Express Card. It earns 3X SkyMiles on Delta and hotel purchases, 1.5X SkyMiles on large, single, non-category purchases of $5,000+ and 1X SkyMiles on all other purchases. Benefits of the card includes an annual companion pass for Main Cabin, first free checked bag for yourself and up to 8 others traveling with you, ability to earn up to 20k MQMs, the ability to earn an MQD Waiver, in-flight savings, and much more. If you frequently fly Delta and you're looking for top-notch value and benefits, the Delta SkyMiles® Platinum Business American Express Card is what you'll want to consider picking up.

Best Business Cards By Spend Calculator

The Best Business Cards By Spend Calculator will give you an idea of which business credit cards will offer you the most rewards based on your business spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees. Results will consist of top-rated business credit cards. Results that are not featured in our top picks may also appear in the list.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners or redeeming directly with the issuing bank. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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Updated 2021-05-23 By Robert Flowers III

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