Compare the best business rewards credit cards | finder.com

Compare the best business rewards credit cards – October 2018

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With the right card, you’ll easily earn travel rewards, gift cards, cash back and more.

Most business rewards credit cards let you redeem your points for similar products and services. But the main difference between them is how you earn your points and their redemption value. Some credit cards are great for those who spend heavily on office supply purchases, while others are ideal for travel bookings — with some focused on specific airlines or hotels. And even branded cards often let you redeem your points for gift cards and merchandise.

Best business rewards credit cards

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Best business card for travel: Ink Business Preferred℠ credit card

Small businesses that spend on travel, shipping, advertising and communications purchases up to $150,000 per year would likely find this card useful. Points can be redeemed for a variety of rewards, but the highest value comes by using them for travel purchases through the Chase Ultimate Rewards program — where you get 25% more redemption value.

The Ink Business Preferred℠ credit card lets you earn more points with free employee cards and by combining your points with other Chase credit cards that have the Ultimate Rewards program. A good addition to this card is the no-annual-fee Ink Business Unlimited℠ credit card from Chase, where you get unlimited 1.5x points on all purchases. By using the Ink Business Preferred℠ credit card for categories that earn 3x points and the Ink Business Unlimited℠ credit card for everything else, you can maximize your point earnings.


Best business card for luxurious travel: Business Platinum Card® from American Express

Business Platinum Card® from American Express
Business Platinum Card® from American Express

Business owners who want to enjoy luxury and comfort while traveling could benefit from this card. 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 complimentary access to more lounges worldwide — a feature that can save you up to $708 if you visit one lounge per month.

Furthermore, you get complimentary benefits at Starwood, Hilton and American Express Fine hotels, as well as concierge service, travel insurance and more.


Best business credit card for office supply purchases: SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express

Businesses that spend up to $50,000 per year on office supplies or any of the eight categories that you can choose from will find this card useful. You also get a long intro APR period on balance transfers and purchases, and you can buy above your credit limit — a feature that not many cards have.


Best business card for airline rewards: Gold Delta SkyMiles® Business Credit Card

Gold Delta SkyMiles® Business Credit Card by American Express
Gold Delta SkyMiles® Business Credit Card

Business owners who frequently travel with Delta Air Lines will find this card to be more than rewarding. You’ll get an easy-to-earn 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 Rewards® Premier Business credit card

Marriott Rewards® Premier Business Credit Card
Marriott Rewards® Premier Business credit card

If you’re looking for a decent hotel card with reward points — redeemable at more than 6,500 properties — then this could be the card for your business. The great thing is: You earn and can redeem points not just at Marriott hotels, but at Starwood Preferred Guest (SPG) hotels, The Ritz-Carlton and more.


How to compare business rewards credit cards

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

Compare business credit cards

Updated October 23rd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee.

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Bottom line

The highest value you can get with most business rewards cards usually requires using them for travel purchases. Even the cards that earn cash back usually have 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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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