If you’re a business owner, you’ll want to consider a small business rewards credit card if you haven’t already. These cards can be a great way for you to access credit to fund purchases and manage company spending, while saving money and accumulating rewards at the same time.
Keep in mind, business credit cards aren’t only for large businesses with traditional storefronts. You’ll qualify for a business card as an independent contractor or freelancer with your Social Security number as your business tax ID and your name as the business name on the application.
But not all business credit cards are created equally. Let’s dive deeper into the best business cards below.
For a more comprehensive list, see our best credit card bonuses here. For a list of other guides of best credit cards by spending category, click here.
|Capital One Spark Miles for Business||Best for everyday business spending|
|Capital One Spark Cash for Business||Best for cash back rewards|
|Ink Business Preferred® Credit Card||Best for bonus categories|
|The Business Platinum Card® from American Express||Best for travel perks|
|Delta SkyMiles® Gold Business American Express Card||Best for occasional Delta flyers|
|Delta SkyMiles® Platinum Business American Express Card||Best for frequent Delta flyers|
|Southwest® Rapid Rewards® Premier Business Credit Card||Best for occasional Southwest flyers|
|Southwest® Rapid Rewards® Performance Business Credit Card||Best for frequent Southwest flyers|
|United℠ Business Card||Best for United flyers|
|The Hilton Honors American Express Business Card||Best for Hilton travelers|
|Marriott Bonvoy Business™ American Express® Card||Best for Marriott travelers|
|CitiBusiness® / AAdvantage® Platinum Select® Mastercard®||Best for American Airlines flyers|
Types of Business Rewards
The kind of rewards you earn varies from business card to business card, but the main types are:
The simplest and most straightforward type of business cards, cash back cards give a percentage back on every purchase you make. You can later redeem your rewards at a fixed value. Cash rewards have more flexibility than points and miles, yet holds value.
Transferable points are rewards currencies that are specific to the issuer and can be transferred to partner loyalty programs for maximum value. In general, this type of reward holds the most value because of its flexibility in redemption.
Recently, a new form of rewards have popped up. These hybrid cards earn cash back, but you can also convert their cash rewards into more valuable currencies if you hold a points-earning card in the same family.
For example, the Ink Business Cash® Credit Card earns cash back. But if you pair it with the Ink Business Preferred® Credit Card, you can convert your cash rewards into Chase Ultimate Rewards® points.
These business cards earn points or miles for a specific loyalty program, usually an airline or hotel chain. They often come with brand-specific perks, like free checked bags (airline cards) or complimentary elite status (hotel cards).
Loyalty program currencies aren’t as flexible as transferable points, but they can hold a lot of value.
What We Considered
We looked at a variety of factors when we made our best business rewards cards list, including:
- Welcome bonus
- Earning potential
- Annual fees
- Point values
- Rewards flexibility
- Rewards simplicity
- Additional benefits
- Transfer partners
- Rates & fees
The Best Business Credit Cards
The Capital One Spark Miles Card is the best card for everyday business spending. It earns extra miles on every purchase and miles on hotels and rental cars when you book through Capital One Travel. Plus, the rewards you earn with your Spark Miles Card can transfer to partner airlines.
The Capital One Spark Cash Card is the best business card for cash back rewards. It earns extra cash back on every purchase.
The Business Platinum Card® from American Express is the best business card for travel perks. You’ll enjoy airline fee credit each year, lounge access, Global Entry or TSA Precheck fee credit, Marriott Bonvoy Gold elite status, Hilton Honors Gold status and Fine Hotels & Resorts perks.
The Delta SkyMiles® Gold Business American Express Card is the best business card for occasional Delta flyers.
The Delta SkyMiles® Platinum Business American Express Card is the best business card for frequent Delta flyers.
The Southwest® Rapid Rewards® Premier Business Card is the best business card for occasional Southwest flyers.
The Southwest® Rapid Rewards® Performance Business Card is the best business card for frequent Southwest flyers.
The United℠ Business Card is the best business card for United flyers.
The Hilton Honors American Express Business Card is the best business card for Hilton travelers.
The Marriott Bonvoy Business™ American Express® Card is the best business card for Marriott travelers.
The CitiBusiness / AAdvantage Platinum Select Card is the best business card for American Airlines flyers.
We focused on small business credit cards in this post. For consumer cards, you’ll want to choose a card with additional earning potential that matches your spending behavior. Click here for our guide on the best credit cards by spending category or check out these other posts:
There’s not one business credit card that’s a perfect fit for every company. The “right” card for your enterprise depends on your business spending habits and financial goals. If you’re looking to earn a free flight or hotel stay, go with a travel credit card. If you want a simple way to save money on everyday business purchases, opt for a cash back card.
Either way, we recommend looking at the cards’ rewards rates, benefits and fees to figure out which ones will give you the most value in the long term. Once you’ve narrowed your choices down, pick the one with the best welcome bonus.
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