Best Business Rewards Credit Cards

Top Picks & Rewards Calculator
Get our top business credit card picks and find out which cards earns your business the most rewards based on your business expenses.
Last Updated 2022-08-27 By R.Flowers III

Earning rewards on business spend can be used to help cut down expenses by applying them towards statement balances, big ticket purchases, or even travel. Review our top picks for the best business credit cards and find out which cards can will earn your business the best return using our tool.

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Best For Lounge Access & Luxury Business Travel

If you're looking for luxury travel benefits and access to over 1,200 lounges worldwide, you'll want to consider The Business Platinum Card® from American Express.

The card offers a long (and I mean long) list of benefits, but it is most known for access to the American Express Global Lounge Collection which grants access to: American Express Centurion Lounges, Priority Pass Lounges, Delta SkyClub Lounges (when flying Delta), Airspace Lounges, and Escape Lounges.

Along with lounge access, the card offers $200 in airline incidental credits, $200 in annual Dell credits, up to $100 towards Global Entry or TSA PreCheck, $179 in annual CLEAR credits, complimentary elite status with Hilton and Marriott, and much more.

In terms of earning rewards, The Business Platinum Card earns 5X Membership Rewards Points on airfare and hotels booked through the American Express Travel portal. Large single purchases of $5,000 or more will earn you 1.5X points (an additional 0.5 points on the base card earning rate) and all other purchases will earn you 1X points.

Points earned with the card can be transferred to AMEX's hotel and airline partners which includes Delta, JetBlue, Marriott, and Hilton to name a few.

As a Business Platinum Cardholder, you'll also receive a 35% point rebate on airfare bookings which gives your points a value of 1.54 cents each when you factor in the final cost after the rebate.

The Business Platinum Card may have a high annual fee, but you can easily get thousands in value from this card annually.

Intro Bonus: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Best For Travel & Business Purchases

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.

Pair the Chase Ink Business Preferred Credit Card card with the Chase Ink Business Cash® Credit Card or Chase Ink Business Unlimited® Credit Card and you'll be able to partake in the 25% point value boost and point transfers with the rewards earned from those cards as well.

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®.

Best For Earning Cash Back On Heavy Spending

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 Plus Card.

It earns 2% cash back on all purchases ran through the card with no cap on how much you can earn. The card also offers an annual $200 cash back bonus after spending $200,000 on the card during the year.

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 Capital One Spark Cash Plus Card also has no foreign transaction fee which is great if your business deals with international travel and/or spending.

Intro Bonus: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Best For Flexibility & Business Rewards

The American Express® Business Gold Card is one of the best business credit cards on the market for earning flexible 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.

Intro Bonus: 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.

Best For Office Supply Stores & Utilities

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, 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.

Intro Bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Best For Small Business Travel Rewards

The Blue Business® Plus Credit Card from American Express is an excellent card for small businesses that want to earn rewards on their spending.

It 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.

Intro Bonus: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Best For Small Business Cash Back Rewards

The American Express Blue Business Cash™ Card is the best flat-rate cash back credit card for small businesses.

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 strictly towards travel.

Intro Bonus: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Best For Hilton Business Travelers

The Hilton Honors American Express Business Card is one of the best hotel business credit cards available and really one of the best business cards on the market in terms of value.

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.

Hilton Honors Points don't have a high value, but this card allows you to earn so many that it makes up for the lower redemption values. If your business frequently deals with Hilton, this is the business card you'll want to have as it's returns just can't be matched, especially on Hilton spend.

Intro Bonus: Earn 130,000 Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.

Best For Marriott Business Travelers

The Marriott Bonvoy Business® American Express® Card is the top-option if you're looking to earn Marriott Bonvoy Points on your business purchases.

The card earns 6X Marriott Bonvoy Points at hotels participating in the Marriott Bonvoy program, 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.

Intro Bonus: Earn 75,000 Marriott Bonvoy Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.

Best For Frequent Delta Business Travelers

Delta has several business cards, but the most well-rounded card for any frequent Delta traveler 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 spent on large, single, non-category purchases of $5,000+ and 1 SkyMile per $1 spent on all other purchases.

One of the best (and most known) benefits of this card is the annual companion pass for Main Cabin. This allows a companion to travel with you for just the cost of taxes and fees. The companion pass alone can easily be worth more than 2X the annual fee with very little effort (it of course depends on where you fly to in the continental US).

The Delta SkyMiles® Platinum Business American Express Card also heavily rewards you if you're able to run heavy spend through it throughout the calendar year. This include bonus Medallion Qualification Miles and an Medallion Qualification Miles Waiver which can both help with Delta Medallion Status.

You and up to 8 others traveling with you will also get a free first checked bag. With bags costing $25 to $30 per direction, per person, this benefit alone can save you hundreds if not thousands per year depending on the amount of flights and persons traveling.

If you frequently fly Delta Airlines 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.

Intro Bonus: Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.

Best Business Credit Cards Summary

Credit Card Annual Fee Best For
The Business Platinum Card® from American Express $550 Lounge Access & Business Luxury Travel
Chase Ink Business Preferred® Credit Card $95 Travel & Business Purchases
Capital One Spark Cash Plus $150 Heavy Business Spenders
American Express® Business Gold Card $295 Flexibility & Business Rewards
Chase Ink Business Cash® Credit Card $0 Office Supply Stores & Utilities
The Blue Business® Plus Credit Card from American Express $0 Travel Rewards For Small Business
American Express Blue Business Cash™ Card $0 Cash Back Rewards For Small Business
The Hilton Honors American Express Business Card $95 Hilton Business Travelers
Marriott Bonvoy Business® American Express® Card $125 Marriott Business Travelers
Delta SkyMiles® Platinum Business American Express Card $250 Frequent Delta Business Travelers

Business Credit Card Rewards Calculator

Use the business credit card rewards calculator to find out which business cards will earn you the most rewards based on the business expense amounts entered into the tool.

Results will consist of top-rated business credit cards from our partners and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.