How to compare the best business rewards credit cards

With the right business credit card, you'll easily earn cash back, points or miles.

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A business rewards credit card might offer you an array of rewards, but the right card for your needs will depend on your spending needs and goals. It’s important to consider how you earn and redeem your rewards and what their redemption value is.

Some credit cards are great for those who spend heavily on office supplies and gas, while others are ideal for frequent travellers.
Before applying for a small business card, consider your business goals and your lifestyle to find rewards that will work for you.

Compare two business rewards picks

American Express AIR MILES for Business Card

American Express AIR MILES for Business Card

  • Earn 1 AIR MILES® for every $10 spent at eligible eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else
  • Offers 2000 bonus AIR MILES® when you spend $5,000 within the first 3 months of membership
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American Express AIR MILES Gold Business Card

American Express AIR MILES Gold Business Card

  • Receive 150 AIR MILES® when you spend $1,000 within the first 3 months of membership.
  • Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
  • Referral Program Bonus Reward: 50 Air Miles for each approved referral.
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Compare business rewards cards

Name Product Welcome Offer Purchase Interest Rate Annual Fee Minimum Income Credit Rating
Offers 30,000 Welcome Bonus points when you spend $5,000 in purchases within the first 3 months of membership.
19.99%
$99
N/A
Good, Excellent
Earn up to 42,000 Membership Rewards® points in the first year of card approval.
Offers 2,000 bonus AIR MILES® when you spend $5,000 within the first 3 months of membership.
N/A
$180
N/A
Good, Fair, Excellent
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
$499
N/A
Good, Excellent
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Offers 150 AIR MILES® when you spend $1,000 within the first 3 months of membership.
19.99%
$0
N/A
Fair, Good, Excellent
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
$150
N/A
Fair, Good, Excellent
Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend.
Offers 30,000 bonus points when you spend $5,000 within the first three months of card membership.
N/A
$250
N/A
Good, Excellent
Benefit from purchasing power that adjusts dynamically with your card usage and grows with your business over time when you maintain a good credit.

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How to compare business rewards credit cards

When comparing the variety of business rewards credit cards on the market, consider the following:

  • Do you want to earn points, miles or cash back? This decision can help you narrow down your card options pretty quickly. While cash back is simple to understand, points or miles can often be more valuable when it comes to redeeming them for travel, car rentals, hotel discounts and more.
  • Does your business spend a lot of money on travel? If it does, you’ll want to find a card that offers accelerated rewards on travel related expenses. Plus, a card catered toward travel is likely to come with benefits such as complimentary travel insurance, airport lounge access, concierge services and more.
  • Does your business spend a lot on office supplies or recurring bill payments? In that case, look for a card that offers accelerated cash back or points when you purchase office supplies or pay for Internet, utility or cell phone bills.
  • Do you often stay at hotels? The Marriott Bonvoy Business American Express Card could be a great choice if you frequent Marriott hotel chains. You’ll earn and redeem points for stays at Marriott and associated properties around the world.

Compare the best business credit cards

To narrow down your business rewards credit card choices, decide if you’d rather earn miles, points or cash back. Even if you’re not a big traveller, points and miles can often be redeemed for merchandise, car rentals, gift cards, statement credit and more.

If you’re not sure if a business rewards credit card is right for you, compare other types of business cards.

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