Capital One Spark Cash Plus card review
Amex Blue Business Plus
Why the Blue Business Plus card is worth it: There aren't many no-annual-fee cards that earn flexible travel points, and The Blue Business® Plus Credit Card from American Express is a particularly good option with a strong welcome bonus offer and up to 2 points per dollar earning across the board.
Welcome bonus offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership.
If earning valuable Amex Membership Rewards points is part of your travel strategy, The Blue Business® Plus Credit Card from American Express should be on your radar. It earns a generous 2 points per dollar on all purchases, on up to $50,000 in spending per year (then 1x). This makes the card ideal for businesses that don't spend much past that threshold.
Beyond the welcome bonus of The Blue Business® Plus Credit Card from American Express, cardholders can expect a few solid benefits from the card, like purchase protection, extended warranty, car rental insurance, and small-business management tools. This card is also part of the Amex Trifecta — a trio of cards that can help you earn 2x to 5x Amex points on every single purchase you make.
Review: Amex Blue Business Plus card review
Chase Ink Business Preferred
Why the Ink Business Preferred card is worth it: If you like earning flexible travel points and don't mind paying a modest annual fee, the Ink Business Preferred® Credit Card should be on your shortlist. Between a massive welcome bonus offer, great earning categories, and top-notch benefits, this card is hard to beat.
Welcome bonus offer: Earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening
The Ink Business Preferred® Credit Card is ideal for small-business owners who spend a lot in popular business categories, especially for those who like to maximize their rewards by redeeming them for travel. The card starts you off with a huge welcome bonus of 100,000 points after spending $15,000 on purchases in the first 3 months from account opening. That's potentially worth $1,800 in travel (based on Insider's valuation of Chase points) when you transfer points to Chase's airline and hotel partners and book award travel.
Cardholders earn 3 points per dollar on up to $150,000 in combined spending each year (then 1 point per dollar) on:
- Shipping purchases
- Advertising purchases on social media sites and search engines
- Internet, cable, and phone services
- Travel (including airfare, hotels, rental cars, and more)
All other purchases earn 1 point per dollar. If these categories are typical expenses for your business, you could take home a huge haul of rewards from this card each year.
One downside: The Ink Business Preferred® Credit Card doesn't offer an introductory 0% APR. That said, it comes with plenty of other benefits that can potentially save you money, including cell phone protection, trip cancellation/interruption insurance, extended warranty, and purchase protection.
Review: Ink Business Preferred card review
Capital One Spark Miles for Business
Why the Capital One Spark Miles card is worth it: The Capital One Spark Miles for Business earns unlimited 2x miles on all purchases and offers a welcome bonus worth at least $500 in travel. Its rewards are simple to use toward travel purchases, but you can unlock even more value by transferring miles to airline and hotel partners.
Welcome bonus offer: Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
If you're looking for a straightforward travel credit card with a rewards program that's as simple as they come, the Capital One Spark Miles for Business is an excellent option. Along with a strong welcome bonus offer, the card earns 2x miles on all purchases (except hotels and rental cars booked through Capital One, which earn unlimited 5x miles).
You can redeem Capital One miles at a rate of 1 cent each to "erase" travel purchases made with your card, which is great if you don't want to fuss with award charts or complicated loyalty programs. But if you want to squeeze the most value from your miles, transferring them to Capital One's airline and hotel partners is an option too, and you could potentially get a much higher return that way.
Cardholders get some sweet benefits with this card as well, including up to a $100 credit toward the Global Entry or TSA PreCheck application fee, two free Capital One Lounge visits each year, and small-business management tools.
Review: Capital One Spark Miles for Business card review
Amex Business Platinum
Why the Amex Business Platinum card is worth it: The Business Platinum Card® from American Express has a high annual fee, but it's more than worth it if you take advantage of the card's premium perks, including airport lounge access, up to $200 in annual airline incidental fee credits**, and up to $400 in Dell statement credits** each year.
Welcome bonus offer: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership.
With a $695 annual fee, The Business Platinum Card® from American Express certainly isn't for everyone. However, it can put much more than that in value back into your pocket if you make the most of its wide array of upscale benefits and earning opportunities.
Cardholders earn:
- 5 points per dollar on flights and prepaid hotels booked through Amex Travel
- 1.5 points per dollar on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- 1 point per dollar on everything else
Along with the aforementioned benefits, cardholders can take advantage of up to $120 in credits for U.S. wireless providers each calendar year**, up to $360 in Indeed credits each calendar year**, up to $150 in Adobe credits each calendar year**, and up to $189 back per year in credits for CLEAR® membership**.
Review: Amex Business Platinum card review
Amex Business Gold
Why the Amex Business Gold card is worth it: The American Express® Business Gold Card is only a good fit for certain types of businesses, but if you spend a lot in its bonus categories, it can supercharge your Amex Membership Rewards points earning.
Welcome bonus offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership.
The American Express® Business Gold Card is an excellent customizable rewards business credit card for folks capable of paying the pricey annual fee. For $295 annual fee, you'll earn 4 American Express Membership Rewards points per dollar on two spending categories (from a list) of your choosing up to $150,000 per calendar year (1 point per dollar thereafter). Eligible 4x categories are:
- Airfare purchased directly from airlines
- US gas stations
- US restaurants (including takeout and delivery)
- US shipping providers
- US computer hardware, software, and cloud systems from select technology providers
- US purchases for advertising in select media (online, TV, radio)
So if your business spends big in these categories, the American Express® Business Gold Card is worth the extra expense.
Cardholders can also take advantage of excellent travel and purchase benefits, including a 25% points rebate on first- and business-class flights (up to 250,000 points back per calendar year) booked through Amex Travel, baggage insurance, trip delay insurance, and extended warranty.
Review: Amex Business Gold card review
Airline and hotel business credit cards
Most major hotel chains and US airlines offer co-branded small-business credit cards. If you're a frequent traveler and you're loyal to any of these programs, you should definitely look at these options.
Airline co-branded credit cards earn frequent flyer miles on every purchase, and usually come with benefits like free checked bags and priority boarding.
Delta
- Delta SkyMiles® Gold Business American Express Card (read our Gold Delta SkyMiles Business card review)
- Delta SkyMiles® Platinum Business American Express Card (read our Platinum Delta SkyMiles Business card review)
- Delta SkyMiles® Reserve Business American Express Card (read our Delta SkyMiles Reserve Business card review)
United Airlines
- United℠ Business Card (read our United Business card review)
- United Club℠ Business Card
American Airlines
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard® (read our Citi American Airlines Business card review)
- AAdvantage® Aviator® World Elite Business Mastercard® (read our Barclays AAdvantage Aviator Business card review)
Southwest Airlines
- Southwest® Rapid Rewards® Premier Business Credit Card (read our Southwest Premier Business card review)
- Southwest® Rapid Rewards® Performance Business Credit Card (read our Southwest Performance Business card review)
Alaska Airlines
- Alaska Airlines Business Credit Card (read our Alaska Business card review)
Hotel business credit cards allow you to earn hotel points on your business spending, and many of these cards offer complimentary elite status and annual free reward nights.
Hilton
- The Hilton Honors American Express Business Card (read our Hilton Business card review)
Marriott
- Marriott Bonvoy Business® American Express® Card (read our Marriott Bonvoy Business card review)
Hyatt
- World of Hyatt Business Credit Card (read our Hyatt Business card review)
IHG
- IHG® Rewards Premier Business Credit Card (read our IHG Premier Business card review)
Wyndham
- Wyndham Rewards® Earner Business Card (read our Wyndham Earner Business card review)
Business rewards credit cards frequently asked questions (FAQ)
You don't need to have a multi-million-dollar corporation or even a full-time venture to qualify for a business credit card. Freelance or part-time businesses where you're the sole proprietor are eligible, too, like driving for Lyft, reselling merchandise online, or providing paid childcare.
Small-business owners who aren't sole proprietors (like those with LLCs or even larger businesses) are eligible for small-business cards as well, but you be asked to include your Employer Identification Number (EIN) on your credit card application as well as your Social Security Number.
There's no single best business rewards card — the right card for you really depends on the type of rewards you like to earn, your typical spending patterns, and whether or not you want to pay an annual fee in exchange for more benefits.
If you're new to rewards business credit cards, you can't go wrong with a no-annual-fee cash-back card like the Chase Freedom Unlimited® or American Express Blue Business Cash™ Card if you're looking for the best combination of simplicity and value.
Keeping your business and personal expenses separate is important, particularly at tax time. Opening and using a small-business card for your business expenses can help keep you organized, and taking advantage of specific small-business tools these cards offer can make your life easier as well.
Even if your business has an employee identification number (EIN), the card issuer will still need to use your social security number (SSN) to check your personal credit history. So if your credit is low, you may not qualify for the best small-business credit cards. However, you might still be eligible for business credit cards geared toward those with limited or fair credit (such as the Capital One®️ Spark®️ Classic for Business). If you have bad credit, you can apply for a secured credit card so you can boost your credit score through responsible use.
Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at . Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
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Đủ điều kiện và mức lợi ích thay đổi theo thẻ.Điều khoản, điều kiện và giới hạn được áp dụng.Vui lòng truy cập Amerialanexpress.com/benefitsguide để biết thêm chi tiết.Bảo hiểm trễ chuyến đi, Hủy bỏ và bảo hiểm gián đoạn và bảo vệ điện thoại di động do Công ty Bảo hiểm New Hampshire, một công ty AIG bảo lãnh.Các thành viên thẻ Hotline Hỗ trợ Toàn cầu chịu trách nhiệm về các chi phí được tính bởi các nhà cung cấp dịch vụ của bên thứ ba.Nếu được phê duyệt và điều phối bởi Đường dây nóng hỗ trợ toàn cầu cao cấp, hỗ trợ vận chuyển y tế khẩn cấp có thể được cung cấp miễn phí.Trong bất kỳ trường hợp nào khác, các thành viên thẻ có thể chịu trách nhiệm về các chi phí được tính bởi các nhà cung cấp dịch vụ của bên thứ ba.Bảo hành mở rộng, bảo vệ mua hàng và kế hoạch bảo hiểm hành lý được bảo lãnh bởi Công ty đảm bảo Amex.Bảo hiểm cho thuê xe và bảo hiểm thiệt hại do Amex Assurance Company.Mất cho thuê xe hơi hoặc bảo hiểm thiệt hại được cung cấp thông qua American Express Travel Intervention Company, Inc.
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