Best Flexible Rewards Business Cards 2024
Best Ultimate Rewards-Earning Business Card
Ink Business Preferred® Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable andRead More
Welcome Bonus
Earn 120,000 bonus points
Annual Fee
$95
Regular APR
21.24%-26.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Ink Business Preferred® Credit Card offers the ability to earn highly coveted Chase Ultimate Rewards® points at compelling rates as well as an impressive bonus offer, making it a top pick for business travel.
Why We Like It
Some earning categories have caps for bonus points, but the limits are high enough that it won’t impact some businesses. Once earned, Ultimate Rewards are valuable because they are so flexible. You can redeem directly for travel at 1.25 cents per point through Chase Travel℠ or transfer to multiple loyalty programs including United MileagePlus, Southwest Rapid Rewards and World of Hyatt.
What We Don’t Like
The travel protections on this card are substantially less inclusive than what you’d find on premium personal cards.
Who It’s Best For
This card will appeal to business owners who are interested in flexible travel rewards but don’t necessarily need trip protections.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
In this age of digital media, many small business owners find themselves spending significant money on social media ads. That makes the Ink Business Preferred and its bonus earning on advertising purchases with social media sites and search engines incredibly valuable. Plus, you’ll be able to transfer your rewards to any of Chase’s airline and hotel partners directly from the card without needing to combine them with any other personal Chase card.
Pros & Cons
- Remarkable welcome bonus
- No foreign transaction fees
- Employee cards at no additional cost
- Rewards for common business expenses
- Has an annual fee
- Rewards cap on high-earning categories
- Potential gaps in reward coverage for key business categories
Card Details
- Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Travel Benefits
The Business Platinum Card® from American Express
On American Express's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 5X Reward Rate
Get 5X Membership Rewards® points on flights and prepaid hotels on American Express Travel; Earn 1.5X points on eligible purchasesRead More
Welcome Bonus
Earn 150,000 points
Annual Fee
$695
Regular APR
19.49% - 28.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
With a high annual fee, The Business Platinum Card® from American Express (Terms apply, see rates & fees) won’t be for everybody, but it’s a fantastic option for businesses that prioritize travel benefits. The perks on this card are unbeatable.
Why We Like It
This card doesn’t skimp on the perks. Cardholders get airport club access through American Express’ Global Lounge Collection and elite status after enrollment with travel brands including Hilton, Marriott, Avis, National and Hertz. Statement credits abound in the first year of membership with the ability to earn credits after eligible spending on airline incidentals charged by your one selected airline, a CLEAR® Plus membership, credit for purchases at Dell Technologies through December 31, 24, Indeed through December 31, 2024, Adobe through December 31, 2024 and more (enrollment required for select benefits). For businesses that will use all (or many) of these offers, it can be a compelling card.
What We Don’t Like
You’ll need to pay close attention to fine print, deadlines and enrollment information in order to use many of the card’s benefits.
Who It’s Best For
Business owners who will use the included travel perks often enough to justify the annual fee will value this card.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
The 35% points rebate is the quiet hero of this card. It makes essentially any first or business class redemption guaranteed to be worth 1.5 cents per point (along with all tickets on the airline of your choice). In an era where award availability can be hard to find, that’s a feature you’ll likely find yourself utilizing on a regular basis.
Pros & Cons
- Excellent welcome bonus
- A slew of potential statement credits
- Extensive airport lounge access
- Rich suite of travel perks
- High spending requirement to earn welcome bonus
- Annual fee and additional cardholder fees are very high
- Limited spending bonus categories
- Some credits are doled out in increments, making them harder to use
Card Details
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first yearof membershipwiththe Business Platinum Card®.Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to theCard.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for High Rewards Potential
American Express® Business Gold Card
On American Express's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 4X Reward Rate
Earn 4X points in the two eligible categories where you spend the most each month (4X points applies to theRead More
Welcome Bonus
Earn 100,000 points
Annual Fee
$375
Regular APR
19.49% - 28.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Small businesses can earn big rewards with the American Express® Business Gold Card (Terms apply, see rates & fees), thanks in part to unrivaled earnings in select category spending. Similar to other Amex cards, this one also offers a variety of potential statement credits and benefits.
Why We Like It
It’s easy to watch your rewards balance grow on this card—in fact, a strong welcome bonus will propel you forward. Membership Rewards® points are flexible and fantastic for travel, though other redemption opportunities are also available. Statement credits toward eligible purchases after enrollment may provide extra value if you have eligible transactions from FedEx, GrubHub, office supply stores or a Walmart+ subscription.
What We Don’t Like
It’s hard to hide the $375 annual fee, which might be more than some businesses are willing to spend. Cardholders are also subject to a spending cap of $150,000 per calendar year on their top two earning categories before earning rates drop, which could be a limiting factor.
Who It’s Best For
Businesses who can max out the rewards potential on this card and use some or all of the potential statement credits will find this a great addition to their wallets.
Pros & Cons
- Flexible redemption and points transfer options
- Robust travel benefits
- Automatic 4 points per dollar on the two eligible categories where you spend the most each billing period on up to $150,000 in annual spending
- Very high annual fee relative to benefits
- 4 points per dollar rate capped at $150,000 in annual spending
Card Details
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Offer for New Business Cardholders
Venture X Business *
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Welcome Bonus
Earn 150,000 bonus miles
Annual Fee
$395
Regular APR
N/A
Credit Score
Excellent
Our Expert Take
Earning transferable miles on every purchase without limits (and at a strong rate), the Venture X Business* will turn heads for business owners who appreciate travel perks and rewards.
Why We Like It
The Venture X Business* has one of the largest welcome offers on the market and earns double points on all eligible purchases. There are also some easy wins from the card’s benefits, including an annual travel credit for purchases made through Capital One Travel and airport lounge access.
What We Don’t Like
The Venture X Business* requires payment in full, so your business will need to have reliable cash flow. Additionally, the impressive welcome offer requires substantial spending, which might make it impossible to earn.
Who It’s Best For
Business owners who want to earn flat-rate transferable miles and value premium travel benefits should give this card a closer look.
Expert Commentary
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Jon Nickel-D'Andrea
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Credit Cards Expert Writer
While many credit cards offer Priority Pass membership, there are only a few that actually come with restaurant benefits still attached. The Venture X Business card’s priority pass membership still allows for restaurant access for you and up to two guests, equating to up to $84 in credit at select airport restaurants worldwide.
Pros & Cons
- No preset spending limit
- Unlimited 2 points per dollar on all purchases (more on some travel purchases)
- Impressive travel benefits
- Free employee cards and virtual cards
- Dedicated support from business representatives
- Annual bonuses
- High annual fee
- Full card balance must be paid every month
Card Details
- Earn 2 miles per dollar spent on every purchase
- Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
- Annual $300 travel credit for bookings through Capital One Travel
- 10,000 bonus miles each year after the first membership anniversary
Earn 150,000 bonus miles when you spend $30,000 in the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% Intro APR Cards for Businesses 2024
Best Flexible Rewards Intro APR Business Card
The Blue Business® Plus Credit Card from American Express
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Welcome Bonus
Earn 15,000 points
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) earns 2 points per dollar on the first $50,000 of spending annually (then 1 point per dollar), which is a sweet deal. The card also has an introductory APR offer, which can help a new business acquire inventory or pay upfront expenses with time to pay in full without accruing interest.
Why We Like It
Double miles without an annual fee is an excellent and uncommon combination and earning Membership Rewards® makes them extra flexible.
What We Don’t Like
The introductory APR period only lasts for 12 months.
Who It’s Best For
New businesses and independent contractors who prefer flexible rewards and don’t worry about going over the $50,000 rewards spending cap can realize solid value from this card.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
For small businesses looking to earn valuable travel rewards at a rapid clip, you can’t go wrong with the Blue Business Plus. Its simplicity means you won’t have to worry about maximizing bonus categories, and it’s also the only small business card that can transfer points to any of Amex’s airline and hotel partners without ever having to pay an annual fee.
Pros & Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
- There’s a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
Card Details
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Balance Transfers
State Farm Business Cash Rewards Visa Signature® Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back on insurance premium payments, up to $4,000 spent annually; 3% cash back at gas and EVRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24% - 28.24% variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
Small businesses that are approved for the State Farm Business Cash Rewards Visa Signature® Card* will receive a full year to pay down eligible balance transfers with the intro APR, which is a rare offering in the world of business cards.
Why We Like It
Finding an intro APR offer that’s also applicable to balance transfers is pretty much unbeatable, but this card also layers on cash-back earnings. Cardholders are also eligible for a reimbursem*nt of their qualifying auto policy deductible—should you need it—and up to $100 in statement credits toward eligible software purchases.
What We Don’t Like
Most transactions on this card earn a mere 1%, which is easily beat by a handful of other no annual fee cards.
Who It’s Best For
Business owners looking for an introductory APR that also extends to balance transfers will appreciate this rare offering.
Pros & Cons
- No annual fee
- 3% cash back earned in a variety of categories
- Auto deductible reimbursem*nt up to $200
- No welcome offer
- Limited redemption options
Card Details
- Earn 3% cash back on insurance premium payments, up to $4,000 annually
- Earn 3% cash backat gas and EV stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases
- Earn 1% cash back on all other eligible purchases
- $100annual software subscription credit
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card With No Annual Fee
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
On U.S. Bank's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On U.S. Bank's Website
Up to 5% Cash Back
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash backRead More
Welcome Bonus
$750 cash back
Annual Fee
$0
Regular APR
18.99% - 27.99% Variable
Credit Score
Excellent,Good(700 - 749)
Our Expert Take
High cash-back rates, a welcome bonus, no annual fee and an introductory APR offer make the U.S. Bank Business Triple Cash Rewards World EliteMastercard® a unicorn.
Why We Like It
This is an exceptionally well-rounded card with a solid introductory APR period. With free employee cards and a $100 annual software credit, this card could be worth holding onto even after the intro APR period expires.
What We Don’t Like
There’s a foreign transaction fee, so this card won’t be a good option for businesses that regularly make purchases in other currencies.
Who It’s Best For
This card is best suited for business owners who want to pay down a large purchase over time.
Pros & Cons
- No annual fee
- Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cellphone service providers and restaurants.
- Introductory APR on purchases
- Reward categories may not align with how some businesses spend
- Foreign transaction fee
- Balance transfer fee
Card Details
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner’s card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022.
- Terms and conditions apply.
Earn $750 in cash back after spending $6,000 in purchases on the Account Owner's card within 180 days from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Cash-Back Cards 2024
Best Cash-Back Business Card With No Preset Spending Limit
Capital One Spark Cash Plus *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn unlimited 2% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars bookedRead More
Welcome Bonus
Earn a $2,000 cash bonus
Annual Fee
$150
Regular APR
N/A
Credit Score
Excellent(750 - 850)
Our Expert Take
The Capital One Spark Cash Plus* differentiates itself as a top-tier option by offering a generous welcome bonus, easy rewards and flexible spending limits.
Why We Like It
All earnings are offered at a flat, fair rate and cash-back redemptions are as easy and flexible as they come. The adaptable purchasing power and no preset credit limit is also a great way to set cruise control for your finances. Plus, it’s impossible not to look at the opportunity to grow a large sum of points from the welcome offer, though some businesses won’t qualify given the high spending requirements to earn it.
What We Don’t Like
This is a charge card that requires payment in full every month, which leaves less flexibility for your company.
Who It’s Best For
Businesses that are able to pay their card in full while earning flat-rate cash rewards will want to consider this card.
Expert Commentary
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Lee Huffman
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Credit Cards Expert Writer
This card offers huge value for businesses that spend heavily. However, they must be able to pay off their purchases in full each month to avoid its massive late fee penalties.
Pros & Cons
- High 2% cash-back rate applies to all purchases
- Earn unlimited 5% on hotels and rental cars booked through Capital One Travel
- Free employee cards
- No foreign transaction fees
- No intro APR offer
- Card balances must be paid in full each month
Card Details
- Earn a $2,000 cash bonus after spending $30,000 in the first 3 months of account opening, plus earn an additional $2,000 bonus for every $500,000 spent in the first year of account opening
- Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
- $150 annual fee
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Get your annual fee refunded every year you spend $150,000
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Earn a $2,000 cash bonus after spending $30,000 in the first 3 months of account opening. Plus, earn an additional $2,000 bonus for every $500,000 spent in the first year of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 2% Cash-Back Card for Businesses
TD Business Solutions Credit Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% cash back on eligible purchases for the first 6 months of account opening or up to $10,000 inRead More
Welcome Bonus
$250 + 5% cash back
Annual Fee
$0
Regular APR
19.24%, 24.24% or 29.24% variable APR
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The TD Business Solutions Credit Card* falls somewhat under the radar, despite being an excellent cash-back rewards card with no annual fee.
Why We Like It
The welcome offer comes in two parts, with a one-time lump sum bonus and elevated earning rate on eligible transactions for new cardholders. The ability to also earn 2% flat-rate rewards thereafter makes it a standout option for businesses that value simplicity.
What We Don’t Like
Beyond the rewards potential, this is a basic card without bells or whistles. You won’t find specialty perks or extra credits here, though it does offer basic cellphone protection.
Who It’s Best For
This card is best for businesses who want to earn cash-back rewards on every purchase without an annual fee.
Pros & Cons
- Unlimited 2% cash-back rewards
- Free employee credit cards with the ability to set spending limits
- No annual fee
- No bonus categories
- Limited additional benefits
- 3% of each transaction in U.S. dollars
Card Details
- Earn $250 cash back as a statement credit after spending $1,500 in the first 90 days of account opening
- Earn 5% cash back on eligible purchases for 6 months or up to $10,000 in spending
- Earn 2% cash back on all other eligible purchases after the 5% promotional period
- No annual fee
- Employee cards at no additional cost
Earn $250 cash back as a statement credit after spending $1,500 in the first 90 days of account opening. Plus, earn 5% cash back on eligible purchases for 6 months or up to $10,000 in spending.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Business Card for Category Bonuses
Ink Business Cash® Credit Card
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More
Welcome Bonus
Earn up to $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Ink Business Cash® Credit Card bumps your cash-back to sky-high earning rates in several spending categories, all without charging an annual fee.
Why We Like It
While the standalone card earns cash back, cardholders can utilize airline partner transfers and other redemption options when combined with select premium Ultimate Rewards® cards (personal or business). The card also offers protections you don’t often see on a no annual fee card, including primary car rental insurance for business rentals and purchase protection.
What We Don’t Like
Cardholders will need to watch out for earning caps in bonused spending categories and could hit limits quickly.
Who It’s Best For
Business owners who spend a lot on office-related expenses will benefit a great deal from this card.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.
Pros & Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
- High cash advances & balance transfer fees
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No Annual Fee Cash-Back Business Card
Spark Cash Select from Capital One *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 1.5% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked throughRead More
Welcome Bonus
Earn $750
Annual Fee
$0
Regular APR
18.49%, 21.49% or 24.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
Businesses that can’t justify paying an annual fee will still earn above-average rewards with the Spark Cash Select from Capital One* thanks to a straightforward structure.
Why We Like It
The cash bonus available to new cardholders could seriously help small businesses. We also love its simple, flat-rate earnings.
What We Don’t Like
For the most part, this is a simple card without the frills of more premium options. Basic features like free employee cards, $0 fraud liability and reporting summaries can assist with your accounting, but the card’s greatest draw is its easy redemptions.
Who It’s Best For
This card caters to business owners who prefer cash-back rewards without an annual fee.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Businesses of any size will enjoy straightforward minimum cash-back opportunities on this card plus increased earnings on travel when booked directly through Capital One Travel.
Pros & Cons
- Earn 1.5% cash back
- Chance to earn a welcome bonus
- No annual fee
- No foreign transaction fee
- Excellent credit required
- Spending requirement to earn bonus is high
Card Details
- Earn unlimited 1.5% cash back on eligible purchases
- Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
- No annual fee
Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Cash Back and Intro APR
Ink Business Unlimited® Credit Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
With the Ink Business Unlimited® Credit Card you get cash-back rewards, a welcome offer, an intro APR and no annual fee. For small businesses that want a little bit of everything, this card comes ready to provide.
Why We Like It
Sometimes cards that try to give too much end up failing at everything, but you won’t find subpar offerings here. The earnings rate of 1.5% cash back rewards on every business purchase is respectable for a card without an annual fee and the welcome offer is extraordinary. Plus, you won’t be disappointed by the introductory APR: 0% introductory APR for 12 months on purchases, then a 18.49% – 24.49% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.
What We Don’t Like
If you don’t need an intro APR offer, you’ll find other rewards cards with better earning rates and other potential perks that recompense your loyalty.
Who It’s Best For
Small businesses that don’t want to miss out on a credit card feature—or those with decision fatigue—will do well with the Ink Business Unlimited® Credit Card.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.
Pros & Cons
- Unlimited 1.5% cash-back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- High balance transfer fees
Card Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Airline Cards 2024
Best Business Card for Coast-To-Coast Flights
JetBlue Business Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6X Reward Rate
6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases
Welcome Bonus
Earn up to 60,000 bonus points
Annual Fee
$99
Regular APR
21.24% or 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The JetBlue Business Card* offers excellent value to JetBlue loyalists, with anniversary points, award rebates and a path to earn Mosaic status.
Why We Like It
You’ll get 5,000 bonus points each year after your card anniversary, which helps offset the card’s annual fee. Additionally, each time you redeem points for an award flight, you’ll get 10% of them back. While many airline credit cards offer 25% discounts on in-flight purchases, this card’s savings are 50%. TrueBlue Mosaic status is in reach when you spend $50,000 on the card each year and provides a second free checked bag, free in-flight alcoholic beverages, free upgrades and more.
What We Don’t Like
JetBlue’s domestic route map is mostly made up of cities on the coasts, making the card less appealing to those who frequently travel the interior of the country through airports that the airline doesn’t serve.
Who It’s Best For
Business owners who frequently fly to and from coastal cities will get value from this card.
Expert Commentary
Adam Frankel
Credit Cards Writer
With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.
Adam Frankel
Adam Frankel
Credit Cards Writer
With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.
Credit Cards Writer
The JetBlue Business card is a no-brainer for anyone who flies the airline with a companion at least once a year, since the free checked bag perk alone can be worth more than the card’s annual carrying cost.
Pros & Cons
- Earn Mosaic Elite status upon spending $50,000 annually
- Free first checked bag for you and up to 3 companions
- No foreign transaction fee
- No intro APR offer
- Limited redemption options
- Points have a fixed value
Card Details
- Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
- 6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases
- Earn 5,000 bonus points every year after your account anniversary
- Redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary
- Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
- Set controls on employee cards for credit lines, single purchase limits, or cash access; receive consolidated statement with all expenses and employees can access individual statement online
Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Midrange Airline Business Card
Southwest® Rapid Rewards® Premier Business Credit Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel andRead More
Welcome Bonus
Earn up to 120,000 points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Southwest® Rapid Rewards® Premier Business Credit Card provides perks like an annual points bonus, Early Bird check-in passes and 25% off in-flight purchases which help to justify this card’s annual fee.
Why We Like It
This midrange card focuses more on a path to earnings than showering you with benefits. That said, cardholders can still make use of two EarlyBird Check-Ins per year, a 25% discount on in-flight purchases and a head start toward earning the companion pass, thanks to a 10,000-mile boost of qualifying points. Cardholders interested in earning status can make great use of the ability to earn unlimited tier qualifying points through business spending.
What We Don’t Like
Southwest doesn’t have any partner airlines, so you’ll be committed to redemptions specifically on Southwest.
Who It’s Best For
Business owners who want to earn Southwest points can get a great deal of value from this card.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is an excellent pairing to a Southwest personal card for anyone aiming to earn a coveted Southwest Companion Pass while taking on a lower annual fee. But for the more loyal Southwest passenger, the Southwest Rapid Rewards Performance Business card, with its added perks and higher welcome offer, is likely the better option.
Pros & Cons
- Generous welcome bonus
- High rewards rate on several methods of travel
- Annual 6,000 points bonus
- $99 annual fee
- Travel insurance protections are limited to baggage
- Increased point earnings on hotel and car rentals are limited to Rapid Rewards partners
Card Details
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Earn up to 120,000 points. Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for United flyers
United℠ Business Card
On Chase Bank USA, NA's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 2x Rewards Rate
Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores,Read More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$0 intro annual fee for the first year, then $99
Regular APR
21.99% - 28.99% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Offering mostly classic airline benefits, the United℠ Business Card fills a need for travelers looking to enhance their United experience. With a reasonable annual fee that’s quickly substantiated by an annual credit toward United flight purchases, this card is an obvious choice for anyone who flies the airline.
Why We Like It
Benefits for being a cardholder include a free checked bag and priority boarding when flying United, two United Club day passes annually and a 25% discount on in-flight purchases. The card also offers a $100 credit after charging qualifying flight purchases to your card. Plus cardholders can earn 25 Premier qualifying points after each $500 spent each year (up to 1,000 PQP), helping you achieve status faster. This card pairs beautifully with United personal credit cards by offering an annual 5,000 mile bonus for holding both a personal and business version.
What We Don’t Like
Purchases on United Airlines earn a measly 2 points per dollar, which isn’t very inspiring for a co-branded card.
Who It’s Best For
Business owners who want perks when flying United.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
Business cardholders are incentivized with 5,000 anniversary bonus miles to maintain a personal United credit card as well, which might make sense for die-hard United fliers. Two free United Club passes provide a soft landing for long layovers.
Pros & Cons
- Robust set of travel perks and benefits
- Option to earn annual bonus miles and credits
- No foreign transaction fee
- Employee cards at no additional cost
- High standard APR
- No intro APR offer
- High penalty APR
Card Details
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Hotel Cards 2024
Best for Long Business Trips
IHG One Rewards Premier Business Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 26X Reward Rate
Earn up to 26 total points per $1 spent when you stay at an IHG hotel; 5 points per $1Read More
Welcome Bonus
Earn 140,000 bonus points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
It’s easy to accumulate a lot of rewards with the IHG One Rewards Premier Business Credit Card. What’s more, you’ll get a free night when you book award stays of four or more nights, making it a solid choice for longer business and personal trips.
Why We Like It
The anniversary free night alone can lead to excellent value, just for being a cardholder. The card also offers a $100 statement credit and 10,000 bonus points every year if you spend $20,000. It also comes with elite status and reimbursem*nt for expedited airport security screening programs.
What We Don’t Like
While it’s easy to earn points, it also takes a lot of points to book award stays, which can dilute the value of your rewards.
Who It’s Best For
Business owners who take long trips and can make use of the fourth night free feature could benefit from the perks this card offers.
Expert Commentary
Anya Kartashova
Credit Cards Writer
Anya is a freelance credit cards writer and adventurer based in Salt Lake City. She has written about award travel, rewards credit cards and personal finance extensively for NerdWallet, 10xTravel and Fodor’s. She firmly believes that no one should pay full price for the opportunity to see the world, which is why her goal is to travel by reaping the benefits of rewards credit cards and to help others do the same.
Anya Kartashova
Anya Kartashova
Credit Cards Writer
Anya is a freelance credit cards writer and adventurer based in Salt Lake City. She has written about award travel, rewards credit cards and personal finance extensively for NerdWallet, 10xTravel and Fodor’s. She firmly believes that no one should pay full price for the opportunity to see the world, which is why her goal is to travel by reaping the benefits of rewards credit cards and to help others do the same.
Credit Cards Writer
The anniversary free night that comes with the IHG One Rewards Premier Business Card makes this card a keeper year after year. The key is to use it for a hotel room that costs more than $99 per year, which isn’t hard to do. The certificate can be exchanged for a free night worth up to 40,000 IHG One Rewards points. However, if the room rate is higher, it’s possible to top it off with points from your IHG account.
Pros & Cons
- Get a free anniversary night certificate
- Redeem three award nights, get the fourth night free
- Includes Platinum Elite status
- IHG One Rewards are worth less than a penny a point on most redemptions
- The $50 United Travel Bank credit can be complicated to maximize
Card Details
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Businesses
World of Hyatt Business Credit Card
On Chase Bank USA, NA's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
Up to 75,000 Bonus Points
Annual Fee
$199
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The World of Hyatt Business Credit Card offers one of the best paths to earning Hyatt points. Statement credits and tier-qualifying nights are also easy wins for brand loyalists.
Why We Like It
The card offers a $100 rebate (redeemable as $50 statement credits, twice a year) on Hyatt purchases and an incentive for spending $50,000 annually on the card: 10% of redeemed points back for the remainder of the year on up to 200,000 points redeemed. The card also unlocks the ability to gift Discoverist status to up to five employees, which can be a great incentive.
What We Don’t Like
The annual fee is high compared to other midtier hotel credit cards. Another downside of Hyatt is its lack of reach in smaller U.S. markets as well as large sections of the globe, which could make it difficult to find a hotel where you need one.
Who It’s Best For
This card is best for business owners who prefer a top-notch hotel experience and travel where Hyatt has hotel locations.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is strategic for any Hyatt loyal business owner, but especially for those chasing Hyatt status. With its ability to earn five elite nights for every $10,000 spent on the card, cardholders are given an easier path toward valuable Globalist status via spending, making it a great complement to nights actually spent in Hyatt hotels.
Pros & Cons
- Welcome bonus
- Solid earnings rates
- Automatic Discoverist status
- Annual fee
- Low earning rate for non-bonused spending
- Base level status with the card offers limited benefits
Card Details
- Earn 60,000 Bonus Points after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
- Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Business Card for Global Reach
The Hilton Honors American Express Business Card
On American Express's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 12X Reward Rate
Earn 12X Hilton Honors Bonus Points on eligible purchases at participating hotels and resorts within the Hilton portfolio; Earn 5XRead More
Welcome Bonus
Earn 130,000 points
Annual Fee
$195
Regular APR
20.99% - 29.99% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Hilton Honors American Express Business Card (Terms apply, see rates & fees)is an easy win for regular Hilton guests: Its quarterly statement credits toward Hilton stays more than cover the cost of an annual fee.
Why We Like It
The card adds ease to your work travel, thanks to automatic Hilton Honors™ Gold Elite status and National Car Rental status (enrollment required) that soften the stress of being away from home. This elite status can afford you benefits like food and beverage credits, room upgrades based on availability and more. Even if you’re just an occasional Hilton guest, this card could make sense. You’ll also get four statement credits of up to $60 each—one per quarter, for a total of $240 per year—when charging eligible Hilton expenses to your card.
What We Don’t Like
Hilton redemptions are priced dynamically, so some stays may require an obscene amount of points.
Who It’s Best For
Business owners who want a variety of hotel options in the Hilton portfolio will be able to squeeze enough value from this card to justify its annual fee.
Expert Commentary
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Barbara King
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Credit Cards Writer
The complimentary Hilton Honors Gold status granted by the card provides a daily food and beverage credit at select U.S. brands. And Gold members staying at select international Hilton brands get free breakfast, with many offering generous breakfast offerings such as full buffets.
Pros & Cons
- No foreign transaction fees
- Complimentary Hilton Honors Gold status
- Generous welcome bonus
- $240 in credits on Hilton purchases per year, $60 per quarter
- No intro APR offer
- Points have a low redemption value
- Points transfer rate to partners is a poor value
Card Details
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn5X Hilton Honors Bonus Pointson other purchases made using theHilton Honors Business Card on thefirst$100,000 in purchases eachcalendar year, 3X points thereafter.
- Enjoyup to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™Gold Status with your Hilton Honors Business Card.With Hilton Honors Gold status,you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all BasePoints you earnon every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during acalendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentaryEmerald Club® program is required. Terms apply.
- Terms apply.
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Road Warriors
Wyndham Rewards Earner® Business Card *
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 8X Reward Rate
Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases. Earn 5 points per $1 spent onRead More
Welcome Bonus
45,000 bonus points
Annual Fee
$95
Regular APR
21.24% - 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The Wyndham Rewards Earner® Business Card* earns at industry-leading rates on gas and eligible hotel stays, with discounted rates and elite status as worthy extras.
Why We Like It
With 15,000 anniversary points and a 10% discount on “go free” rewards at Wyndham hotels, you’ll have access to free nights faster than you can say “Super 8.” Since basic hotels start at 7,500 points per night, it takes less than $1,000 in spending on gas or at Wyndham hotels to earn a free night. That’s an unheard-of rate, as long as you’re not looking for luxury.
What We Don’t Like
Wyndham Rewards expire after four years, whether or not you are active in the program.
Who It’s Best For
The card could be a good call if you spend a lot of time on the road and are comfortable staying in the budget brands that make up the vast majority of Wyndham’s portfolio.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
The Wyndham Rewards Earner Business Card has some of the most practical benefits for business owners who frequent Wyndham hotels. The discount on award bookings, automatic Diamond status, 15,000 points awarded on your card anniversary plus the ability to utilize points for vacation rentals, all make this card worth having even if you aren’t loyal to the brand.
Pros & Cons
- Wyndham Diamond Status, which matches to Caesar’s Diamond
- Industry leading 8 points per dollar spent on gas
- Earn 5 points per dollar on utilities, which is a category not often bonused
- Cell phone insurance in addition to 5 points per dollar earnings on cell phone bills
- 10% award redemption discount, on top of already reasonable award rates
- Wyndham is not tailored for luxury travelers
- Popular categories such as dining and non-Wyndham travel not given category bonuses
- Top-tier status at Wyndham means less than it would at other chains
Card Details
- Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening
- Earn 8 points per $1 spent on Hotels By Wyndham and qualifying gas purchases
- Earn 5 points per $1 spent on marketing, advertising and utilities
- Earn 1 point per $1 spent on all other purchases
- Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
- Receive 15,000 bonus points each anniversary year
- Receive cell phone protection for the next calendar month when you pay your wireless bill with your card
Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Summary of the Best Business Credit Cards of 2024
Credit Card
Ink Business Preferred® Credit Card
The Business Platinum Card® from American Express
American Express® Business Gold Card
Venture X Business *
The Blue Business® Plus Credit Card from American Express
State Farm Business Cash Rewards Visa Signature® Card *
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
Capital One Spark Cash Plus *
TD Business Solutions Credit Card *
Ink Business Cash® Credit Card
Spark Cash Select from Capital One *
Ink Business Unlimited® Credit Card
JetBlue Business Card *
Southwest® Rapid Rewards® Premier Business Credit Card
United℠ Business Card
IHG One Rewards Premier Business Credit Card
World of Hyatt Business Credit Card
The Hilton Honors American Express Business Card
Wyndham Rewards Earner® Business Card *
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Ink Business Preferred® Credit Card
Best Ultimate Rewards-Earning Business Card
Excellent, Good
$95
Earn 120,000 bonus points
The Business Platinum Card® from American Express
Best Business Card for Travel Benefits
Good,Excellent
$695
Earn 150,000 points
American Express® Business Gold Card
Best Business Card for High Rewards Potential
Good,Excellent
$375
Earn 100,000 points
Venture X Business *
Best Offer for New Business Cardholders
Excellent
$395
Earn 150,000 bonus miles
The Blue Business® Plus Credit Card from American Express
Best Flexible Rewards Intro APR Business Card
Excellent/Good
No annual fee
Earn 15,000 points
State Farm Business Cash Rewards Visa Signature® Card *
Best Business Card for Balance Transfers
Excellent/Good
$0
N/A
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
Best Intro APR Business Card With No Annual Fee
Excellent,Good
$0
$750 cash back
Capital One Spark Cash Plus *
Best Cash-Back Business Card With No Preset Spending Limit
Excellent
$150
Earn a $2,000 cash bonus
TD Business Solutions Credit Card *
Best 2% Cash-Back Card for Businesses
Good, Excellent
$0
$250 + 5% cash back
Ink Business Cash® Credit Card
Best Cash-Back Business Card for Category Bonuses
Excellent, Good
$0
Earn up to $750 bonus cash back
Spark Cash Select from Capital One *
Best No Annual Fee Cash-Back Business Card
Excellent
$0
Earn $750
Ink Business Unlimited® Credit Card
Best for Cash Back and Intro APR
Excellent, Good
$0
Earn $750 bonus cash back
JetBlue Business Card *
Best Business Card for Coast-To-Coast Flights
Good/Excellent
$99
Earn up to 60,000 bonus points
Southwest® Rapid Rewards® Premier Business Credit Card
Best Midrange Airline Business Card
Good, Excellent
$99
Earn up to 120,000 points
United℠ Business Card
Best Business Card for United flyers
Good, Excellent
$0 intro annual fee for the first year, then $99
Earn 75,000 bonus miles
IHG One Rewards Premier Business Credit Card
Best for Long Business Trips
Good, Excellent
$99
Earn 140,000 bonus points
World of Hyatt Business Credit Card
Best Hotel Card for Businesses
Excellent, Good
$199
Up to 75,000 Bonus Points
The Hilton Honors American Express Business Card
Best Hotel Business Card for Global Reach
Good,Excellent
$195
Earn 130,000 points
Wyndham Rewards Earner® Business Card *
Best Business Card for Road Warriors
Good/Excellent
$95
45,000 bonus points
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Earn 150,000 bonus miles when you spend $30,000 in the first three months of account opening.
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.
N/A
Earn $750 in cash back after spending $6,000 in purchases on the Account Owner's card within 180 days from account opening
Earn a $2,000 cash bonus after spending $30,000 in the first 3 months of account opening. Plus, earn an additional $2,000 bonus for every $500,000 spent in the first year of account opening.
Earn $250 cash back as a statement credit after spending $1,500 in the first 90 days of account opening. Plus, earn 5% cash back on eligible purchases for 6 months or up to $10,000 in spending.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
Earn up to 120,000 points. Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening.
