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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.

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, 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.

What’s changed in 2021?

The Marriott Bonvoy Business™ American Express® Card‘s refresh shook up the earning categories for the card. This added a variety of business-oriented categories, perfect for mid-sized business cardholders on the move.

Best business rewards credit cards

Best business card for travel

Ink Business Preferred® Credit Card

Finder rating 4.4 / 5 ★★★★★

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Small businesses that spend on travel, shipping, advertising and communications purchases up to $150,000 per year will likely find this card useful.

Best business card for luxurious travel

The Business Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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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.

Best business credit card for flat cash back on all purchases

American Express Blue Business Cash™ Card

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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.

Best business card for airline rewards

Delta SkyMiles® Gold Business American Express Card

Finder rating 4.4 / 5 ★★★★★

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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.

Best business card for hotel rewards

Marriott Bonvoy Business™ American Express® Card

Finder rating 4.5 / 5 ★★★★★

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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.

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

Name Product Rewards Purchase APR Annual fee
Premium Capital on Tap Business Credit Card
2% cashback on all purchases
9.99% to 34.99% variable
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Divvy Business Credit Card
Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
Pay balance in full according to your payment schedule
Earns more points per eligible category based on how often you pay your credit card balance.

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