Rewards Calculator: 12 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.

The Point Calculator's top picks for the 12 best business credit cards are:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • The Business Platinum Card® from American Express
  • American Express Blue Business Cash™ Card
  • Capital One Spark Cash for Business
  • Capital One Spark Miles for Business
  • Chase Ink Business Preferred® Credit Card
  • Chase Ink Business Cash® Credit Card
  • The Hilton Honors American Express Business Card
  • Marriott Bonvoy Business™ American Express® Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Costco Anywhere Visa® Business Card by Citi

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 4 Membership Rewards Points per $1 spent on two categories you spend the most in during the month out of pool of six categories. Those categories are: airfare, U.S. gas station, U.S. shipping, U.S. advertisement, U.S. restaurant, and U.S. computer hardware/software/cloud computing. The card also offers a 25% point rebate on airfare redemptions which bumps up the value of Membership Rewards Points.

American Express® Business Gold Card
Rewards Rate
  • 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
  • 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.

The Business Platinum Card® from American Express

If you're looking for the best business credit card for lounge access, it will be The Business Platinum Card® . It offers a bunch of benefits including a $200 airline incidental credit, $200 in Dell Credit, Global Entry or TSA PreCheck credits, access to the AMEX Global Lounge Collection (Centurion Lounges, Priority Pass Lounges, Delta SkyClub Lounges, Airspace Lounges, Escape Lounges), a 35% airline bonus rebate which boosts point value up to 1.54 cents per point when redeemed towards airfare, elite status with Marriott and Hilton, and more. In terms of points, the Business Platinum Card will earn you 5 Membership Rewards Points per $1 spent on airfare and hotel purchases made through the AMEX Travel Portal and 1 point per $1 spent on everything else.

The Business Platinum Card® from American Express
Rewards Rate
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Get 50% more Membership Rewards® points on each eligible purchase of $5,000 or more. That's an extra half point per dollar. You can get up to 1 million additional points per year
  • Earn 1X Membership Rewards® point on all other purchases
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%
Main Card Highlights
  • 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 when you book on amextravel.com.
  • 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.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is similar to the American Express Blue Business Cash™ Card. It earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the calendar year and then 1 point per $1 spent for the remainder of the year after that cap has been hit. Membership Rewards Points are worth 1 cent each when redeemed for airfare and can be worth even more when transferred to AMEX's airline and hotel partners.

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • 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.

American Express Blue Business Cash™ Card

The American Express Blue Business Cash Card is a great credit card for small businesses looking to earn cash back. It earns 2% back on the first $50,000 in purchases made during the calendar year, then 1% back for the remainder of the year after that cap is hit. It is the better option over The Blue Business Plus Card if you want to redeem your rewards for more than just travel including gift cards and statement credits towards purchases made to the card.

American Express Blue Business Cash™ Card
Rewards Rate
  • 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.

Capital One Spark Cash for Business

If your business easily spends more than the $50,000 limit the American Express Blue Business Cash™ Card offers, the Capital One Spark Cash for Business will end up being the better choice. It earns a flat rate of 2% cash back on all purchases with no cap and has no annual fee the first year which is fantastic. Once the annual fee kicks in the second year, the Capital One Spark Cash Card becomes the better option over the AMEX Blue Business Cash Card if you spend more than $5,000 per month.

Capital One Spark Cash for Business
Rewards Rate
  • 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

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is a great option if you want to earn travel rewards. The card earns an unlimited 2 Spark Miles per $1 spent on all purchase. Miles can be redeemed through Capital One at a value of 1 cent per point towards travel purchases or you can transfer miles to Capital One's airline and hotel partners.

Capital One Spark Miles for Business
Rewards Rates
  • Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
Intro Bonus
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Redeem miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • Transfer your miles to 10+ leading travel loyalty programs
  • Free employee cards, which also earn unlimited 2X miles on all purchases

Chase Ink Business Preferred® Credit Card

Another one of the best business cards on the market is the Chase Ink Business Preferred® Credit Card. It earns 3 Ultimate Rewards Points per $1 spent on travel, shipping, internet, cable services, phone services, and advertising while all other purchases earn 1 point per $1 spent. Ultimate Rewards Points are worth 1.25 cents each when redeemed on the Chase Travel Portal thanks to the 25% boost to point value the Ink Business Preferred offers. You can also transfer your points to Chase's airline and hotel partners to get even more value.

Ink Business Preferred® Credit Card
Rewards Rate
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 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

Chase Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a great no annual fee business card for cash back. It earns 5% cash back on office supply store, internet, cable, and phone purchases, 2% back on gas and restaurant purchases, and 1% back on everything else. If you have an Ultimate Rewards credit card attached to your account, you'll be able to convert Chase cash back to Ultimate Rewards Points which greatly boosts the value of this business card.

Chase Ink Business Cash® Credit Card
Rewards Rate
  • 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 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 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 12 Hilton Honors Points per $1 spent with Hilton, 6 points per $1 spent on restaurant, airfare, AMEX Travel airfare, wireless phone providers, gas, car rentals, and shopping purchases, and 3 points per $1 spent everywhere else. The Hilton Honors AMEX Business Card offers complimentary Hilton Honors Gold status and 10 priority pass visits.

The Hilton Honors American Express Business Card
Rewards Rate
  • Earn 12X at hotels & resorts in the Hilton portfolio
  • Earn 6X on Select Business & Travel Purchases
  • 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.

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 6 Marriott Bonvoy Points per $1 spent with Marriott, 4 points per $1 spent on U.S. restaurant, U.S. wireless phone providers, U.S. gas station, and U.S. shipping purchases, and 2 points per $1 spent 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.

Marriott Bonvoy Business™ American Express® Card
Rewards Rate
  • Earn 6x points at participating Marriott Bonvoy hotels.
  • 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.
  • Earn 2x points on all other eligible purchases.
Intro Bonus
Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in 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. Offer ends 5/12/21.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn an additional Free Night Award (valued up to 35,000 points) after you spend $60K in purchases on your Card in a calendar year.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card.
  • Earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.

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 3 SkyMiles per $1 spent on Delta and hotel purchases, 1.5 SkyMiles per $1 on large, single, non-category purchases of $5,000+ and 1 SkyMile per $1 spent 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. It's a great card that benefits you the most if you're able to run heavy spend across it throughout the calendar year.

Delta SkyMiles® Platinum Business American Express Card
Rewards Rate
  • 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 point per dollar), up to 50,000 additional miles per year.
  • 1 Mile on every eligible dollar spent on other purchases.
Intro Bonus
Limited Time Offer: Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
Annual Fee
$250
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 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.

Costco Anywhere Visa® Business Card by Citi

If your business uses Costco and has travel expenses, you may want to consider the Costco Anywhere Visa® Business Card. It earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. The card has no annual fee, but it does require that you have Costco Membership. The rewards you earn with the Costco Anywhere Visa Business Card will stack on top of the rewards you earn as a Costco Rewards Member which means you'll be earning a total of 4% back on your Costco purchases.

Costco Anywhere Visa® Business Card by Citi
Rewards Rate
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which 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. Personal credit cards will not appear in this 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. 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.
Results Will Appear Here
Updated 2021-03-29 By Robert Flowers III

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