If you're a business owner looking to earn rewards on your spending, a business credit card can be a great option. With the right card, you can earn points, miles, or cash back that can be used to offset expenses or even fund travel.
Here's our top picks for best business rewards credit cards:
- Ink Business Preferred® Credit Card: Best for travel & business purchases.
- Capital One Spark Miles for Business: Best for flat-rate travel rewards.
- The Business Platinum Card® from American Express: Best for lounge access & luxury business travel.
- Capital One Spark Cash Plus: Best for earning cash back on heavy spending.
- American Express® Business Gold Card: Best for flexibility & business rewards.
- Chase Ink Business Cash® Credit Card: Best for office supply stores & utilities.
- The Blue Business® Plus Credit Card from American Express: Best for small business travel rewards.
- American Express Blue Business Cash™ Card: Best for small business cash back rewards.
- The Hilton Honors American Express Business Card: Best for Hilton business travelers.
- Marriott Bonvoy Business® American Express® Card: Best for Marriott business travelers.
- Delta SkyMiles® Platinum Business American Express Card: Best for frequent Delta business travelers.
Ink Business Preferred® Credit Card
- Earning Rate: Earn 3X points on up to $150,000 on travel, shipping, internet, cable services, phone services, and advertising purchases each account anniversary year. All other purchases earn 1X.
- Main Highlights: 25% point value boost towards travel booked through Chase Ultimate Rewards.
- Intro Bonus: Earn 100k bonus points after you spend $8,000 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 Travel℠
- Annual Fee: $95.
- Summary: If your business can make use of the travel and business categories featured on the card, you'll be able to squeeze out a lot of points using this card. Points are easily redeemable for travel at 1.25 cents apiece through Chase or you can transfer them to partners like Southwest, United, and Hyatt for more value.
Ink Business Preferred Points & Card Value Calculator
Learn More about the Ink Business Preferred
Capital One Spark Miles for Business
- Earning Rate: Earns an unlimited 2X miles on all purchases.
- Main Highlights: Up to $100 for a Global Entry or TSA PreCheck credit, miles can be transferred to airline and hotel loyalty programs, and free employee cards that also earn 2X miles on all purchases.
- 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 intro annual fee for the first year, then $95 after that.
- Summary: Great business travel credit card if you're looking to earn flexible rewards at a flat-rate across all purchases. Miles can be redeemed for 1 cent in value towards any travel purchased to the card or be transferred to Capital One's 15+ partners for significantly more value.
Spark Miles Card Miles & Card Value Calculator
Learn More about the Spark Miles Card
The Business Platinum Card® from American Express
- Earning Rate: Earn 5X Membership Rewards points on flights and prepaid hotels booked through amextravel.com and 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else. All other purchases earn 1X.
- Annual Credits: $400 Dell credit (up to $200 bi-annually), $360 Indeed credit (up to $90 per quarter), $150 Adobe credit, $179 CLEAR credit, $120 in wireless telephone service credits (up to $10 per month).
- Main Highlights: 35% airline bonus (rebate) on flights booked through American Express Travel using points, global lounge access (Centurion lounges, Delta SkyClub lounges, Airspace lounges, Escape lounges, and Priority Pass lounges), superb purchase insurance, complimentary elite status with Hilton and Marriott, and up to $100 towards Global Entry or TSA PreCheck.
- 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.
- Annual Fee: $695. Additional Platinum cards are $300 each. (See Rates and Fees)
- Summary: If you're looking for lounge access and you can make good use of at least half of the credits, the Business Platinum Card is a great luxury credit card to have. If you're not big on transferring points to partner, the 35% airline bonus can make the points you earn across all your cards more valuable.
AMEX Business Platinum Points & Card Value Calculator
Learn More about The Business Platinum Card
Capital One Spark Cash Plus
- Earning Rate: Earn an unlimited 2% cash back on all purchases.
- Annual Credits: Get your $150 annual fee refunded every year you spend at least $150,000.
- Main Highlights: No foreign transaction fee.
- Intro Bonus: $1,200 cash back once you spend $30,000 in the first 3 months
- Annual Fee: $150.
- Summary: If you're looking for a simple 2% cash back business card that you can use worldwide with no cap on how much you can earn, the Spark Cash Plus is an excellent option. You'll want to strive for at least $30K spend annually on the card.
Spark Cash Plus Cash Back & Card Value Calculator
Learn More about the Spark Cash Plus
American Express® Business Gold Card
- Earning Rate: Earn 4X Membership Rewards points on the two select categories your business spent the most each month on up to $150,000 in spend during the calendar year, 3X points on flights and prepaid hotels booked on amextravel.com, and 1X points on all other purchases.
- Annual Credits: Up to $240 back annually ($20 per month) for eligible purchases at FedEx, Grubhub, and office supply stores, and up to $155 back annually ($12.95 per month) for a monthly Walmart+ membership.
- 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.
- Annual Fee: $295, $375 if application is received on or after 2/1/24. (See Rates and Fees)
- Summary: If there's two 4X categories on this card that your business spends at least a combined $4K or more in, you will not beat the value this card offers. Maxing out the 4X categories ($12.5K combined spending per month in two 4X categories) will earn you 600K points which is worth anywhere from $6K to $12K+ towards travel. On top of that, the card offers up to $395 in annual credits which can offset the annual fee.
AMEX Business Gold Points & Card Value Calculator
Learn More about the AMEX Business Gold
Chase Ink Business Cash® Credit Card
- Earning 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, 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% back on everything else.
- Main Highlights: High earning rates and the ability to transfer points to other Chase credit cards.
- Intro Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Annual Fee: $0.
- Summary: This card is at the top when it comes to earning cash back across it's 5% categories. If you're looking for travel redemptions, points earned with this card can be transferred to the Ink Business Preferred and Sapphire Cards. You'll then be able to redeem them for higher value (1.25 - 1.5 cents) or transfer them to Chase's partners.
Ink Business Cash Card Points & Card Value Calculator
Learn More about the Ink Business Cash Card
The Blue Business® Plus Credit Card from American Express
- Earning Rate: Earn 2X points on the first $50,000 in purchases made during the calendar year, then 1X after that.
- Main Highlights: Double points at no annual fee.
- 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.
- Annual Fee: $0. (See Rates and Fees)
- Summary: This is one of the best small business credit cards for travel. It's also the best for miscellaneous purchases and pairs well with just about any Membership Rewards credit card. Points can be redeemed for high value by transferring them to AMEX's large list of partners which includes Delta Airlines, British Airways, and Marriott Bonvoy.
Blue Business Plus Points & Card Value Calculator
Learn More about the Blue Business Plus Card
American Express Blue Business Cash™ Card
- Earning Rate: Earn 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.
- Main Highlights: Double cash back at no annual fee.
- Intro Bonus: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Annual Fee: $0. (See Rates and Fees)
- Summary: This is one of the best small business credit cards for cash back. If you're not one for transferring points to partners, this will be the better card over the Blue Business Plus.
AMEX Blue Business Cash Card Cash Back & Card Value Calculator
Learn More about the AMEX Blue Business Cash Card
The Hilton Honors American Express Business Card
- Earning Rate: Earn 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.
- Main Highlights: 10 Priority Pass visits, complimentary Hilton Honors Gold status, and ability to earn up to 2 weekend night rewards.
- Intro Bonus: Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Annual Fee: $95. (See Rates and Fees)
- Summary: This is one of the best business credit cards in the market in terms of value. Hilton points aren't worth a lot compared to other programs, but this card allows you to earn so many that it makes up for it. If you frequent Hilton Hotels, you'll want to have this card.
Hilton Honors AMEX Business Card Points & Card Value Calculator
Learn More about the Hilton Honors AMEX Business Card
Marriott Bonvoy Business® American Express® Card
- Earning Rate: Earn 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.
- Main Highlights: Annual 35K free night reward, complimentary Marriott Gold status, and 15 elite nights towards achieving higher status.
- Intro Bonus: Welcome Offer: Earn Five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
- Annual Fee: $125. (See Rates and Fees)
- Summary: This is the best credit card for earning Marriott points on Marriott purchases. The free night award can land you at a low-to-mid category hotel, plus you can top off the certificate using points from your account. The 15 elite nights earned with this card stacks with the elite nights from Marriott's personal cards meaning you can start the year with 30 or 45 elite nights which is fantastic if you're going for a higher status.
Marriott Bonvoy Business AMEX Card Points & Card Value Calculator
Learn More about the Marriott Bonvoy Business AMEX Card
Delta SkyMiles® Platinum Business American Express Card
- Earning Rate: Earn 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.
- Annual Credits: Up to $120 Resy Credit and up to $120 in rideshare credit.
- Main Highlights: Annual Main Cabin companion pass, 15% discount on Delta Award travel, 20% discount on in-flight purchases, $2,500 Medallion Qualification Dollars each Medallion Qualification Year, and free checked bag (up to 8 people).
- Intro Bonus: Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
- Annual Fee: $350. (See Rates and Fees)
- Summary: The card's annual fee is handled by the annual companion pass which can easily provide more than $350 in value every year. You can also save lots of money if you normally pay for checked bags as you will save $30 per direction, per person flying with you which will add up really quickly.
Delta Platinum Business AMEX Card SkyMiles & Card Value Calculator
Business Rewards Calculator: Which Card Is Best For You?
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.