Calculate Business Credit Card Rewards

Business Rewards Calculators
Find out which business credit cards can earn your business the most rewards and best return based on your business expenses, the value of card benefits, and annual fees. Compare results and find the best fit for your business needs.

Earning rewards for your business can help you cut down on expenses by providing rewards that can be redeemed towards statement balances, equipment, travel, and more. It can also be used as a way to treat yourself, employees, or customers.

In addition to that, many business credit cards offer great benefits that can be big for any company including purchase protection, expense tracking tools, and discounts on purchases. Some business cards even offer 0% intro APR if you're a new business just getting started or need to make a few large purchases.

This page details some of the best business rewards cards in the market from our partners and provides a calculator to help you estimate which credit cards will offer the most value for your business.

You can also jump down to the Best Business Credit Card Rewards Calculator which will calculate which business credit cards are best options based on your spend.

FoundersCard provides its exclusive community of over 50,000 business executives with premier benefits across travel, lifestyle, and business brands.

Best Business Credit Cards with Rewards

If you're looking for the best of the best when it comes to earning rewards for your business, we got you covered. When it comes to maximizing your return and receiving top-notch benefits, these are the best business credit cards with rewards.

Best For Lounge Access & Luxury Business Travel
Best For Travel & Business Purchases
Best Flat-Rate Cash Back Card For High Spend
Find out which business credit cards can earn your business the most rewards based on your expenses. Calculate business rewards side by side and see which card is the best fit. Plus, get our top picks for best business cards!

Best Small Business Credit Cards with Rewards

No matter the size of your business, there's always a rewards card that can fit the budget. Earn everything from cash back to travel rewards and more with these best small business credit cards with rewards.

Best For Flat-Rate Cash Back

Chase Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • 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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Best For Office Supply Stores & Utilities
Best Flat-Rate Rewards Card For Small Businesses

Best Business Credit Cards with Travel Rewards

If you're looking to earn rewards that you can put towards airfare, hotels, car rentals, and more, you'll want to consider these highly rated business credit cards with travel rewards.

Redeem your rewards points for travel directly with the card provider or turn your earned rewards into airline miles and hotel rewards points when you transfer them to your favorite frequent flyer and hotel rewards programs.

American Express® Business Gold Card
American Express® Business Gold Card
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.*
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.
Main Card Highlights
  • 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.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • 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.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best For Flexible Travel Rewards
Best For Airline Spend & Lounge Benefits
Best For Flat-Rate Travel Rewards

Best Business Credit Cards with Cashback Rewards

Cash back is the most flexible of the rewards when compared to points and miles. While cash back can still be great for travel expenses, it works extremely well if you plan on redeeming your business rewards towards statement credits and gift cards.

Maximize your cash back by checking out our top picks for the best business credit cards with cashback rewards.

Capital One Spark Cash Plus
Capital One Spark Cash Plus
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
Rewards Rate
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Main Card Highlights
  • 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
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
  • Pay zero foreign transaction fees on purchases made outside of the United States.
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best For Office Supply Stores & Utilities
Best Flat-Rate Cash Back Card For Small Business

Calculate Business Credit Card Rewards

Calculate which business credit cards will earn you the most rewards and best return based on your spend.

Results will consist of top-rates business rewards 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.

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.
Loading Categories...
Currently Selected:

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'.

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
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