Calculator: 4 Best Business Mastercard Credit Cards [2021]

Mastercard offers a handful of great credit cards that can reward you and your business. Get our best picks and calculate rewards based on your spend.

The Point Calculator's top picks for the 4 best Mastercard business credit cards are:

  • Bank of America® Business Advantage Cash Rewards Mastercard®
  • Bank of America® Business Advantage Travel Rewards World Mastercard®
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
  • Barclays JetBlue Business Mastercard

Bank of America® Business Advantage Cash Rewards Mastercard®

The Business Advantage Cash Rewards Card is a great business card option if you have money that you can invest with Bank of America and their partners. Through their Preferred Rewards for Business program, you can earn between a 25% and 75% boost in cash back. At the base rate, the card earns 3% cash back on a select category of your choice, 2% back on dining purchases, and 1% back on everything else but with the extra bonus you could earn up to 5.25% cash back on that selected category, 3.5% back on dining, and 1.75% on everything else. What makes the Bank of America Business Advantage Cash Rewards Card even better is that it has no annual fee.

Bank of America® Business Advantage Cash Rewards credit card
Rewards Rate
  • Earn 3% cash back in the category of your choice (up to $50,000 in combined choice category/dining yearly purchases).
  • Earn automatic 2% cash back on dining purchases (up to $50,000 in combined choice category/dining yearly purchases).
  • Earn unlimited 1% on all other purchases.
Intro Bonus
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • If you're a Preferred Rewards for Business member, you can earn 25% - 75% more cash back on every purchase
  • 0% on purchases for 9 billing cycles from account opening
  • Redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you.
  • Change your choice category for future purchases once each calendar month, or make no change and the category stays the same.

Bank of America® Business Advantage Travel Rewards World Mastercard®

The Business Advantage Travel Rewards World Mastercard earns 1.5 Travel Rewards Points per $1 spent on all purchases. The card also offers a bonus 1.5 points per $1 spent (for a total of 3 points) on purchases made on the Bank of America Travel Center. Points can be redeemed for 1 cent each which makes this a 1.5% card.

Through the Preferred Rewards for Business program, you can earn up to a 75% bonus on your points which means you can earn up to 5.25 points per $1 spent on the Bank of America Travel Center and up to 2.625 points per $1 on all other purchases.

Business Advantage Travel Rewards World Mastercard® Credit Card
Rewards Rate
  • Earn 3 points per $1 spent when you book travel through the Bank of America Travel Center.
  • Earn 1.5 points per $1 spent on all other purchases.
Intro Bonus
Earn 30,000 bonus points (redeemable for a $300 statement credit toward travel purchases) when you make $3,000 in purchases in the first 90 days of your account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Use your points to receive a statement credit for any travel-related purchases made on your card, or to pay for travel with no blackout dates at the Bank of America® Travel Center. Plus, you also have the choice to redeem for cash back or gift cards.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

If you're looking for a great entry level card for American Airlines, the CitiBusiness AAdvantage Platinum Select Card is a solid choice. It earns 2 AAdvantage Miles per $1 spent on American Airlines, telecommunications, car rental, and gas station purchases and 1 mile per $1 spent on everything else. Card benefits include a free checked bag, priority perks, a Global Entry or TSA PreCheck credit, an annual companion pass w/ $30k spend, and in-flight savings.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rewards Rate
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Intro Bonus
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Annual Fee
$0 the first year, then $99
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights

Barclays JetBlue Business Mastercard

The Barclays JetBlue Business Card is one of the best credit cards for earning JetBlue Points. It earns a very nice 6 JetBlue Points per $1 spent with JetBlue, 2 points per $1 spent at restaurants and grocery stores, and 1 point per $1 on everything else. Benefits of the card include a free checked bag, $100 JetBlue Vacations credit annually, in-flight discounts on cocktails/food, and anniversary bonus points.

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 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 business credit cards tied to the Mastercard network. If you want to see how your business spend works across all top-rated business credit cards, use the calculator on our Best Business Credit Cards page.

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 2021-03-01 By Robert Flowers III

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