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Last updated on Dec 23, 2019

The Best Business Credit Card

Earn the right rewards for your business ​
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How We Found the Best Business Credit Cards

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30 Cards Researched

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11 Contenders Evaluated

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5 Top Picks

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

    How We Chose the Best Business Credit Cards

    Required 3% cash back or 3x points per dollar spent

    We started by looking at more than 30 of the top business cards. Our first step to narrowing down the list: eliminating all of the cards that didn’t offer at least 3% cash back or 3x points per dollar spent. There are plenty of excellent cards offering this level of rewards, so there’s no reason to settle for less — and many even offer up to 5% cash back or 5x points.

    Prioritized different needs for freelancers, big businesses and small businesses

    We ended up with 11 contenders, all of which are great options. To make our top picks, we thought about different types of business owners and their various credit card needs. Ted Rossman, an industry analyst at CreditCards.com, advises, “When selecting the business card that’s right for you, consider how you spend your money, what you want to get out of your rewards program (e.g., do you travel a lot?), and whether or not you’re willing to jump through some hoops for a higher return (or if you’d rather keep it simple).”

    For example, a freelancer with $500 in office supply expenses per year is going to need a different card than a small-business owner who spends $50,000 on office supplies. Likewise, someone spending money on shipping or advertising has different needs than somebody whose biggest expense is business travel.

    We opted for a range of four excellent options, prioritizing the biggest rewards for different business types. As with any rewards credit card, finding the right one for you just means matching the biggest perks to your biggest expenses.

    Best for Small Businesses and Freelancers

    Best for Small Businesses and Freelancers
    Chase

    Ink Business Preferred℠ Credit Card

    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

    American Express® Business Gold Card

    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
    Bank of America

    Business Advantage Travel Rewards World Mastercard® credit card

    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 14.24% to 22.24%%, 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 Budget Business Travel
    Bank of America

    Business Advantage Travel Rewards World Mastercard® credit card

    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

    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
    • $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 75,000-point introductory bonus

    If your business incurs significant expenses per month, you could earn up to 75,000 Membership Rewards points. Within your first three months of card activation, receive 50,000 points for spending $10,000 and an extra 25,000 points after spending an additional $10,000 within the same time period. Each point is worth two cents, so 75,000 points equates to $1,500 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 $20,000 in the first three months 75,000

    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.

    About the Authors

    Taylor Moore

    Taylor Moore Finance & Insurance Writer

    Taylor Moore covers banking, investing, auto insurance, life insurance, homeowners insurance, and more as the Finance and Insurance Writer for Reviews.com. Her work has been published in Chicago magazine, Chicago Reader, and The Financial Diet, among other publications. After graduating from the University of Central Florida, she moved to Chicago, Illinois, where she currently lives with her cat.