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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 Business Credit Card Finder Tool to calculate which business credit cards will earn you the most rewards based on your business expenses.
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.
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!
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
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
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.
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.*
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
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.*
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.
Best Cash Back Card For Heavy Business Spend
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
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.
The Business Credit Card Finder Tool will calculate which business cards earn you the most rewards based on your spend spend, the value of card benefits, and annual fees.
The average value of card benefits will depend on the card itself. Most credits will calculate at face value with only a few exceptions (e.g. cards that feature an overabundance of credits in which could prove a challenge to use them all).
You can use this tool to help point you in the right direction if you're looking for the best business cards that fit your business expenses. You can then click on a card to check out the details as well as calculate rewards on a more in-depth, personal level and compare the results side by side up to 2 U.S. credit cards featured on the site.
Only top-rated business cards will be listed. If you want to calculate rewards for a specific business card, you can use the credit cards search on the home page.
Search By Spend
Enter how much you spend in each of the categories listed below on a monthly or yearly basis. You can click the to add additional spend categories if needed.
Once done, you can click on Search For The Best Cards to get a list of credit cards that match up with your spend habits.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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.
Type at least 3 characters.
Currently Selected:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.
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There's no good card options based on the spend entered.
The calculator is having issues calculating rewards.
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Results
These estimates are to help guide you towards making the best decision when it comes to picking up a business rewards credit card. They should be used for illustrative purposes only.
All credit card links listed below will open in a new tab/window so that you will not lose your search results and all spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.
Best Credit Cards
Listed below are 10 of the best business credit cards based on the spend you entered. You can click on a card to learn more
Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make trips for you and your employees more enjoyable and save you money.
Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
Rewards Cards
If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.
No Annual Fee Cards
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
No Foreign Transaction Fee Cards
When you make a charge with your credit card outside of the U.S., many card issuers will charge you a foreign transaction fee which is typically around 3% of the purchase price. Luckily, many credit cards waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.
Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
Use our interactive rewards calculator to find credit cards that earn you the most cash back, points, and miles based on your spend, the value of card benefits, and the annual fee.
