Compare the best business rewards credit cards | finder.com

Compare the best business rewards credit cards

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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.

Compare two business rewards picks

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Gold Delta SkyMiles® Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
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Compare business rewards cards

Updated April 20th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening

Compare up to 4 providers

Best business rewards credit cards

When comparing the available business rewards cards of 2019, we looked at several card features, including potential value based on spending, reward 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 others in one or more of these categories earned a spot on our list.

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Best business card for travel: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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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: The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

  • Welcome offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more.
  • You can get up to 1 million additional points per year.
  • 35% airline bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms apply
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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 access to more lounges worldwide — a feature that can save you up to $708 if you visit one lounge per month.

Furthermore, you get 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

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
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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 from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
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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 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 Bonvoy™ Premier Plus Business Credit Card

Marriott Bonvoy™ Premier Plus Business Credit Card

75,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening.

Promoted
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:

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.

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