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Compare the best business rewards credit cards

You can earn travel rewards, gift cards, cash back and more with the right card.

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Our pick for start ups: Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card logo

100,000-point

Signup bonus after spending $15,000 in first 3 months

  • Huge signup bonus worth $1,250 through Chase Ultimate Rewards
  • Earn 3x points on travel and popular business categories on up to $150,000 each year
  • 1x points on everything else
Apply now

Most business credit cards with rewards let you redeem your points for similar products and services. But the main difference between them is their redemption value and how you can earn points.

When comparing the available business credit cards with rewards of 2020, we looked at several card features, including potential value based on spending, rewards earnings categories, points earned per dollar spent, travel or hotel rewards programs, signup bonuses and other perks or benefits of interest to business owners. The cards that stood head and shoulders above the rest in one or more of these categories earned a spot on our list.

Best business rewards credit cards

Best business card for travel

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 3x
Points
100,000
Points welcome offer
Small businesses that spend on travel, shipping, advertising and communications purchases up to $150,000 per year will likely find this card useful.
  • Signup bonus. Get 100,000 points after you spend $15,000 on purchases within 3 months of card membership.
  • Earn points. Every dollar spent on travel, Internet, cable and phone services, shipping and advertising with social media and search engines gets you 3 points up to $150,000 in purchases annually. After that and for everything else, you earn 1x points.
Annual Fee $95
Purchase APR 15.99% to 20.99% variable
Balance transfer APR 15.99% to 20.99% variable
Welcome offer 100,000 points after spending $15,000 in the first 3 months
Rewards 3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

Best business card for luxurious travel

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$595
Annual fee
Up to 5x
Points
75,000
Points welcome offer
You get to earn an increased number of points on travel purchases through Amex travel and up to 5% back in redemption value. You also get access to more lounges worldwide - a feature that can save you up to $708 if you visit one lounge per month.
  • Welcome offer. Get 75,000 bonus points once you spend $15,000 on purchases in the first 3 months of card membership.
  • Earn points. Earn 5x points on travel purchases through American Express Travel, 1.5x points for eligible purchases of $5,000 or more and 1x points on everything else. Redeem points for gift cards, shopping, travel purchases, Uber rides and more.
Annual Fee $595
Purchase APR N/A
Balance transfer APR N/A
Welcome offer 75,000 points after spending $15,000 in the first 3 months
Rewards 5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases

Best business credit card for flat cash back on all purchases

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2%
Cash back
$300
Welcome offer
Businesses that spend up to $50,000 per year with a credit card, may find this to be a valuable card. You also get a long intro APR period on purchases, and you can buy above your credit limit - a feature that not many cards have.
  • Cash back. Get 2% cash back on all purchases on up to $50,000 annually. Your rate reverts to 1% after that for the remaining of the year.
  • Welcome offer. Get up to $300 in statement credit ($100 each) at Dell Technologies, DocuSign or FedEx after you make a purchase in the first 3 months of card membership.
  • Intro APR period. Enjoy a 0% intro APR period on purchases for 12 months following your account opening. After that, a variable APR of 13.24% to 19.24% applies. If you want to make a large purchase or if you're stuck with a high APR on a non-Amex account, this perk could be helpful.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR N/A
Welcome offer Up to $300 in statement credits: $100 each at Dell Technologies, DocuSign or FedEx in the first 3 months
Rewards 2% cash back on all purchases on up to $50,000 per calendar year, then 1%

Best business card for airline rewards

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$99 ongoing
Annual fee
Up to 2x
Miles
60,000
Miles welcome offer
Business owners who frequently travel with Delta Air Lines will find this card to be more than rewarding. You'll get a generous welcome offer and you'll earn the same amount of Delta miles as the more expensive Delta cards. In addition, you'll get several flight-related benefits.
  • Welcome offer. Get 60,000 miles after you spend $3,000 on purchases in the first 3 months of card membership.
  • Earn miles. With every Delta purchase, you'll earn 2x miles. You also earn 2x miles on advertising purchases with select US media and on US shipping purchases. For everything else, you'll get 1x miles. Redeem miles for Delta and partner flights, seat upgrades, gift cards and more.
Annual Fee $0 intro annual fee for the first year ($99 thereafter)
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 60,000 miles after spending $3,000 in the first 3 months
Rewards 2x miles on Delta, US shipping, select US advertising and at restaurants and 1x miles on all other purchases

Best business card for hotel rewards

Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$125
Annual fee
Up to 6x
Points
75,000
Points welcome offer
The Marriott Bonvoy Business™ American Express® Card is a strong pick for business owners who travel and stay at Marriott properties. It earns great rewards on Marriott Bonvoy stays and solid points on select business purchases as well.
  • Earn 6x points on eligible Marriott Bonvoy properties. Earn 4x points on restaurants, US gas stations, wireless services and US shipping. Earn 2x on everything else.
  • Earn 75,000 points after you spend $3,000 in your first 3 months of account opening.
  • Get complimentary Silver Elite status using the Marriott Bonvoy loyalty program.
  • Receive a free night award each card anniversary.
Annual Fee $125
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 75,000 points after spending $3,000 in the first 3 months
Rewards 6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases

Do I really need a business rewards credit card?

There are many great business rewards credit cards out there, but you might ultimately find you don’t need one. Here’s how to decide whether or not to apply:

  • Do you have significant business expenses?
    In your business-card terms, you’ll likely find a stipulation that you can use the card only for business expenses. Using your card for personal spending can lead to your issuer shutting down your account. If you don’t spend much on your business at all, you may get more value out of a personal card.
  • Can you meet the requirements for the welcome offer?
    Business credit cards tend to have very enticing welcome offers. At the same time, the spending requirements can be high. If you can’t meet these requirements in their stated time frames, consider holding off on getting a business card at this time. Getting a card now might mean you’ll be ineligible for the same welcome offer in the future.

How to choose the best business rewards credit card

Our top picks for business credit cards with rewards come in many forms, each with a different value for your business. To make the right choice, consider the following:

What kinds of rewards can I earn for my business?

There are three types of rewards you can earn for your business: Cash back, points or miles. The first type is more straightforward and its easier to calculate its value. The next two types can be more complicated, but you could potentially get more value from them.

  • Cash back. You’ll earn more of this with the market’s top business cashback cards. It’s a simple type of rebate on your spending. For example, you might earn 2% cash back on all purchases. This means if you spend $10,000, you’ll earn $200 in cash back. You can often redeem this cash back for statement credits or deposits to your bank account.
  • Points and miles. You’ll redeem points or miles through eligible spending with business travel credit cards. You can later redeem rewards for several options — most commonly travel such as flights, hotel stays and car rentals. Most issuers will let you redeem these for cash back or statement credit, though you might not get the highest value. Other issuers will let you transfer points or miles to hotel or airline loyalty programs.

It can be difficult to know how to choose between cash back, points and miles. However, you can make a decision by considering factors such as spending categories, spend limitations and rewards value.

Tips to maximize credit card rewards

  • Put as much spending on your business card as possible.
    Think about which expenses you can move over to your business card. Also, you might be surprised by which vendors let you use a credit card if you just ask.
  • Pay your balance in full each billing cycle.
    Any interest you accrue eats into the rewards you earn. To avoid this, pay off your balance in full during your interest grace period — typically a span of 20 to 25 days after your billing cycle ends.
  • Use your rewards for the highest-value redemptions.
    The industry-standard redemption rate is 1 cent = 1 point or mile, which you’ll often get when you redeem for travel through your issuer’s rewards portal. However, you can sometimes get a higher value by transferring points or miles to hotel or airline loyalty programs. Cash back usually comes with a 1% redemption rate regardless of the issuer, though there may be exceptions.

Bottom line

The highest value you can get with most business credit cards with rewards usually requires using them for travel purchases. Even the cards that earn cash back usually have a higher value if you redeem your earnings for travel instead of cash. But that shouldn’t prevent you from using your points and miles for other types of rewards if you want to. You can still redeem your hotel points and airline miles for gift cards, cash back, shopping and more.

But if you don’t find any of these cards appealing, make sure to compare other credit cards until you find the right option for your business.

Compare business rewards cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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