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ByTaylor Moore Finance & Insurance Writer

Taylor Moore is a finance writer for Reviews.com. Her work has been published in Chicago magazine, the Chicago Reader, and elsewhere.

The Best Business Credit Cards

We analyzed 30 of the best business credit cards to find which ones offer at least 3x points or 3% cash back, and did the math to see which have the biggest potential payout. Picking the right one for you comes down to matching the biggest rewards to your biggest business expenses — and taking advantage of built-in extras like receipt trackers and cash-flow management.

The Best Business Credit Cards: Summed Up

  Chase Ink Business Preferred℠ Credit Card American Express® Business Gold Card Business Advantage Travel Rewards World Mastercard® credit card The Business Platinum Card® from American Express
Best for Small businesses and freelancers Big businesses Budget business travel Premium business travel
Annual fee $95 $295 $0 $595
Foreign transaction fee $0 $0 $0 $0
Points/cash back 3x points for travel; shipping; internet, phone, & cable; and online advertising 4x points on two select categories where your business spent most each month 3x points for travel 5x points on flights and prepaid hotels booked through amextravel.com
Annual point/cash back limit $150,000 $150,000 Unlimited Unlimited
Card type Credit Charge Credit Credit

The 4 Best Business Credit Cards

Why Trust This Review?

Since 2015, Reviews.com has helped thousands of people shop for business credit cards. We’ve investigated over 30 credit cards and updated this review regularly over the past four years to ensure it stays accurate. The author of this review does not own stock in any of the companies mentioned, or in any other credit card providers.

Best for Small Businesses and Freelancers

Best for
Small Businesses and Freelancers

Ink Business Preferred℠ Credit Card

Chase
3x points for travel; shipping; internet, phone, & cable; and online advertising on up to $150,000/year
Pros
Great for online advertising, shipping and travel
1x point per dollar on all other purchases
Ink mobile app
Cons
Chase’s 5/24 rule

Why we chose it

Great for online advertising, shipping and travel

If your business involves getting your products — and yourself — in front of people, this is a great card for you. Chase's Ink Business Preferred℠ Credit Card is great for small businesses and freelancers on the go. With the Chase Ink Business Preferred℠ card, you get 3x points per dollar spent on travel expenses, shipping costs, internet/cable/phone services and advertising purchases made with social media sites and search engines, for up to $150,000 in purchases per year.

1x point per dollar on all other purchases

You also get 1x point per dollar on all other purchases, plus 80,000 bonus credit card points if you spend $5,000 in the first three months of opening your account. One point is worth roughly one cent, which means those 80,000 bonus points are worth $800. Points can be redeemed for cash back, gift cards and more — but you get a 25% point boost if you redeem your points for travel purchases, like hotels and airfares, through Chase Ultimate Rewards®. (This card is definitely designed to benefit travelers; it even comes with trip cancellation and trip interruption insurance.)

Ink mobile app

The Chase Ink card gives you access to the Ink app, which lets you “snap and save” receipts, add categories, and keep your business organized. You can also turn on alerts to ensure you know exactly what purchases are being made for your business. Even better, the app gives you access 24/7 so you never have to worry about not being able to check the status of your card.

Points to consider

Chase’s 5/24 rule

Like other Chase credit cards, the Chase Ink card is subject to Chase’s 5/24 rule. This means that if you opened five or more credit cards in the past 24 months, your application will be declined. The 5/24 rule applies even if you have a good credit score. The good news is that if you haven’t opened five or more credit cards in the past two years, and you have good credit, getting approved shouldn’t be a problem.

Ink Business Preferred℠ Credit Card
3x points on travel, shipping, internet, cable, phone, and online advertising* 450,000 points ($4,500, or $5,625 when redeemed for travel through Chase Ultimate Rewards®)
1x points on all other purchases 10 points per $1,000 spent ($10, or $12.50 when redeemed for travel through Chase Ultimate Rewards®)
Bonus points after spending $5,000 in the first three months 80,000 points ($800, or $1,000 when redeemed for travel through Chase Ultimate Rewards®)

*for up to $150,000 in purchases per year

Best for Big Businesses

Best for
Big Businesses

American Express® Business Gold Card

American Express
4x points on the 2 select categories where your business spent the most (on up to $150,000 in each category per year)
Pros
Charge card with no credit limit
4x points in 2 select categories
Designed with your business in mind
Cons
$295 annual fee

Why we chose it

Charge card with no credit limit

If you want to run a lot of purchases through a high-powered, high-rewards card, consider American Express® Business Gold Card. This is a charge card, not a credit card, which means you must pay your balance off in full at the end of every billing cycle. It also means you don’t have a credit limit — which is great if you plan to put a lot of big expenses on your card.

4x points in 2 select categories

American Express® Business Gold Card comes with serious rewards. You get 4x points in 2 select categories where your business spent the most each month:

  • Airfares purchased directly from airlines
  • U.S. gas station purchases
  • U.S. purchases for advertising in select media
  • U.S. shipping purchases
  • U.S. computer hardware, software and cloud computing purchases from select providers

In addition to 1x points on all other purchases, you can also earn 35,000 points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.

Designed with your business in mind

Once you’ve earned your points, it’s time to put them to use. American Express® Business Gold Card is designed so you put your rewards back into your business, by redeeming points for restaurants or entertainment with clients or gift cards for hard-working employees — as opposed to straight cash in your bank account. You also get access to the American Express® Business App to help you track your many expenses.

Points to consider

$295 annual fee

Like many cards, the American Express® Business Gold Card has a $295 annual fee. As previously mentioned, this is a charge card and you will have to pay your entire balance at the end of each month. Because of this, we’d only suggest this credit card for bigger businesses that can handle these terms.

American Express® Business Gold Card
4x points in 2 select categories* up to $150,000 in combined purchases
1x points on all other purchases 10 points ($10) per $1,000 spent
Introductory offer 35,000 points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership

Best for Budget Business Travel

Best for
Budget Business Travel

Business Advantage Travel Rewards World Mastercard® credit card

Bank of America
A great no-fee option for frequent business travelers
Pros
Earn 3x points on travel expenses
No annual fees
Sign-up travel bonus
Cons
No intro balance transfer offer
Limited redemption options

Why we chose it

Earn 3x points on travel expenses

When you book a car, hotel, or flight through the Bank of America Travel Center (powered by Expedia), you can get 3x points for every dollar spent. Bank of America also gives you 1.5x points for every dollar you spend on other purchases. Many credit card issuers place caps on the number of points you can earn, but here you can earn unlimited points on all purchases.

No annual fees

This is the only one of our picks that comes with no annual fee. There aren’t any foreign transaction fees either, so you don’t have to worry about surprise charges for purchases abroad.

Sign-up travel bonus

This card comes with an attractive sign-up bonus: you can earn 25,000 bonus points if you spend $1,000 in the first 60 days of opening the account. Each point is worth one cent, so 25,000 points translate to a $250 statement credit that you can use to redeem flights, hotels, rental cars, vacation packages, and more.

Points to consider

No intro balance transfer offer

If you’re looking to consolidate business debt into one card, you’ll have to pay out. The Business Advantage card does not have an introductory balance transfer offer for new cardholders, so you would have to pay the standard APR interest rate (between 12.99% to 22.99%, depending on your credit history), plus an additional fee of $10 or 4% of the transaction amount, whichever is greater).

Limited redemption options

We love that this card is hyper-focused on the everyday business traveler; its perks reflect that. However, the points that you accumulate can only be redeemed by gift card or making a purchase through the Bank of America Travel Center. You don’t have the flexibility to exchange the points for cash or payment on your card balance.

Additionally, if you know that your business spending is concentrated in a particular category (like office supplies), you may want to consider a card that offers a reward in that category that’s higher than the flat 1.5% reward for all purchases.

Business Advantage Travel Rewards World Mastercard®
3x points on travel booked through Bank of America Travel Center 30 per $1,000 spent
1.5x points on all other purchases 15 per $1,000 spent
Bonus points for spending $1,000 in the first two months 25,000

Best for Premium Business Travel

Best for
Premium Business Travel

The Business Platinum Card® from American Express

American Express
Top-tier travel card with the perks to match
Pros
Luxury travel rewards
5x points on travel expenses
Up to 100,000-point introductory bonus
Cons
$595 annual fee

Why we chose it

Luxury travel rewards

The American Express® Business Platinum Card was created with the busy traveler in mind — someone who’s always on the road (or in the air). This premium card comes with lots of travel perks, including:

  • $200 airline fee credit, which you can use for incidentals like checked baggage, seat selection, or in-flight meals with one qualifying airline
  • Access to the American Express Global Lounge Collection, which includes 1,200 global airline lounges via the Centurion® Lounge, The International American Express lounges, Delta Sky Club®, and others
  • One year of Global Platinum Access to WeWork offices around the world (must enroll by 12/31/2019)
  • $100 fee credit for application to TSA Pre-Check or Global Entry
  • Up to $200 annual Dell statement credit

5x points on travel expenses

Booking flights and prepaid hotels through the American Express portal, amextravel.com will earn you 5x the Membership Rewards® points, which can be redeemed for purchases with American Express partners like Delta and Marriott Bonvoy. If you use the points to pay for an eligible First Class or Business Class ticket through one of their partner airlines, you’ll receive 35% of those points (up to 500,000 back per calendar year).

American Express also offers 1.5x points on purchases over $5,000 and 1x points per dollar spent on other purchases.

Up to 100,000-point introductory bonus

If your business incurs significant expenses per month, you could earn up to 100,000 Membership Rewards points. Within your first three months of card activation, receive 50,000 points for spending $10,000 and an extra 50,000 points after spending an additional $15,000 within the same time period. Each point is worth two cents, so 100,000 points equates to $2,000 worth of rewards.

Points to consider

$595 annual fee

This top-tier card comes with a top-tier annual fee of $595. Like the American Express® Business Gold Card, this is a charge card — meaning, you have to pay your balance in full each month. This option is only recommended if you have large business expenses that could handle this sort of fee.

The Business Platinum Card® from American Express
5x points on flights and prepaid hotels booked through amextravel.com No limit
1.5x points on purchases over $5,000 75 points per $5,000 spent (up to 1 million additional points per year)
1x points per dollar on all other purchases 10 points per $1,000 spent
Bonus points for spending $25,000 in the first three months 100,000

How to Get a Business Credit Card

Pay attention to bonus offers

One of the benefits of using a credit card is all the points and bonus offers you can rack up. However, not all points programs and bonuses are the same. Some business credit cards let you choose categories you earn points in, while others might not have this flexibility. Other cards sometimes include a limited-time sign-up bonus where you can earn extra points. When researching your business credit card, read up on which ones have the point and bonus offers that make the most sense for your needs.

Look at business credit cards that help with accounting

If you’re a freelancer, it might be worth considering a business card that offers accounting tools. “Some freelancers don’t use a formal accounting system,” CPA and managing member of MEDOWS CPA, Jonathan Medows explains. “A business credit card can help you track expenses by category.” Both Chase and American Express provide organizational tools to help you manage your business expenses and keep track of your receipts.

Read the fine print

“Business credit cards are not generally covered by the Credit CARD Act,” Matt Schulz, senior industry analyst at CreditCards.com, says. The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 protects consumers from certain types of credit card fees and rate increases — such as bumping up your APR after one late payment — but business credit cards do not come with the same protections. “If you make a mistake with a business card,” he adds, “you can get hit very quickly with fee and rate increases.”

In the case of the Ink Business Cash℠ Credit Card, for example, you get a 0% intro APR on purchases for 12 months followed by a variable APR of 14.99% - 20.99% — unless you make a late payment, at which point your APR can jump as high as 29.99%. Know what you’re getting into before you sign up for a business credit card, and make sure you follow all of the rules.

Business Credit Cards FAQ

Can I put business expenses on a dedicated consumer credit card?

While this is technically possible, it’s not advisable. As Medows explains, you want to start preparing for your business’ growth. Both freelancers and small-business owners will want to build up a business credit history with the credit bureaus, especially if they want to increase their lines of credit and extend credit to employees.

What is a small business credit card?

Business credit cards may seem like they’re only meant for larger companies, but you can still benefit from one even if you’re a freelancer or own a small business. With a business credit card you can take advantage of bonus rewards, cash back and points — using them toward future purchases. These perks may even help you save money. A business credit card can also help you manage your expenses, something that can feel challenging if you’re still starting out.

Can I use my business credit card to manage cash flow?

Yes. Sometimes it takes a while for clients to pay you. If you know you’ll be getting a $5,000 check in 30 days, use your business credit card to pay for business expenses until the check arrives — and then use the check to pay down your balance. Think of your business credit card as a way of ensuring you always have cash even if your checks haven’t arrived yet.

Editorial disclosure: The views and opinions expressed within this page belong solely to Reviews.com and have not been reviewed or approved by any partner or bank. The information provided is accurate as of the date of the review. Certain links for more information on specific credit cards might redirect to CreditCards.com, which is owned by Red Ventures, the same company that owns Reviews.com.

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