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Top 10 Business Rewards Credit Cards

Business Rewards Credit Cards are financial tools designed for businesses to earn rewards on their expenditures. These cards provide benefits such as cashback, travel points, or other incentives when used for business-related purchases, helping companies maximize the value of their spending.

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The primary advantage of Business Rewards Credit Cards lies in their ability to turn everyday business expenses into valuable rewards. Companies can earn points or cashback on a range of expenditures, such as office supplies, travel, and utilities. These rewards can be redeemed for various benefits, including statement credits, travel bookings, gift cards, and more. Additionally, many of these credit cards come with added perks like travel insurance, purchase protection, and expense management tools that can streamline accounting processes. By leveraging these rewards, businesses can reduce operational costs and invest the savings into other growth opportunities, making Business Rewards Credit Cards an essential asset for efficient financial management.

  • Chase Ink Business Preferred® Credit Card
    Chase Ink Business Preferred® Credit Card

    Chase Ink Business Preferred® Credit Card - High-reward business card with travel perks and bonus points.

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  • American Express® Business Gold Card
    American Express® Business Gold Card

    American Express® Business Gold Card - Rewards business spending with flexible points and valuable perks.

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  • Capital One Spark Miles for Business
    Capital One Spark Miles for Business

    Capital One Spark Miles for Business - Business card earning unlimited travel miles with flexible redemption.

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  • Bank of America® Business Advantage Travel Rewards World Mastercard®
    Bank of America® Business Advantage Travel Rewards World Mastercard®

    Bank of America® Business Advantage Travel Rewards World Mastercard® - No foreign transaction fees, unlimited travel rewards, flexible redemption.

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  • The Blue Business® Plus Credit Card from American Express
    The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express - No annual fee, rewards on everyday business purchases.

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  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
    CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

    CitiBusiness® / AAdvantage® Platinum Select® Mastercard® - Business credit card with travel rewards on American Airlines.

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  • U.S. Bank Business Leverage® Visa Signature® Card
    U.S. Bank Business Leverage® Visa Signature® Card

    U.S. Bank Business Leverage® Visa Signature® Card - U.S. Bank Business Leverage® Visa: Rewards on business expenses.

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  • Marriott Bonvoy Business™ American Express® Card
    Marriott Bonvoy Business™ American Express® Card

    Marriott Bonvoy Business™ American Express® Card - Rewards for business spending with Marriott Bonvoy benefits.

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  • Chase Ink Business Unlimited® Credit Card
    Chase Ink Business Unlimited® Credit Card

    Chase Ink Business Unlimited® Credit Card - Unlimited 1.5% cash back, no annual fee, business card.

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Top 10 Business Rewards Credit Cards

1.

Chase Ink Business Preferred® Credit Card

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The Chase Ink Business Preferred® Credit Card is a top-tier business credit card offering robust rewards and benefits. It provides 3x points on the first $150,000 spent annually on travel, shipping, internet, cable, phone services, and advertising purchases. Cardholders also enjoy a substantial sign-up bonus and flexible points redemption options, including travel through Chase Ultimate Rewards®. Additional perks include no foreign transaction fees, purchase protection, and cell phone insurance, making it an excellent choice for small business owners.

Pros

  • pros High rewards rate
  • pros Flexible redemption options
  • pros Large sign-up bonus
  • pros Cell phone protection
  • pros No foreign transaction fees.

Cons

  • consAnnual fee
  • cons High APR
  • cons Limited lounge access
  • cons Requires good credit
  • cons Rewards categories may not suit all businesses.
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2.

American Express® Business Gold Card

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The American Express® Business Gold Card is designed for small to medium-sized businesses, offering flexible rewards and powerful spending tools. Cardholders earn 4X Membership Rewards® points on the top two categories where their business spends the most each month, up to $150,000 in combined purchases annually. Additional benefits include expense management tools, no foreign transaction fees, and access to Amex Offers. The card has a $295 annual fee and provides valuable perks for business growth and efficiency.

Pros

  • pros High rewards rate
  • pros Flexible payment options
  • pros No preset spending limit
  • pros Valuable travel benefits
  • pros Expense management tools.

Cons

  • consHigh annual fee
  • cons Limited acceptance
  • cons Requires excellent credit
  • cons High APR
  • cons Potential for overspending.
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3.

Capital One Spark Miles for Business

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The Capital One Spark Miles for Business is a travel rewards credit card designed for business owners. It offers unlimited 2 miles per dollar on every purchase, with no expiration on miles. Cardholders benefit from a generous sign-up bonus, no foreign transaction fees, and flexible redemption options including travel, cash back, and gift cards. Additional perks include travel and purchase protections, and the ability to transfer miles to various travel loyalty programs. An annual fee applies after the first year.

Pros

  • pros 2x miles on all purchases
  • pros No foreign transaction fees
  • pros 50
  • pros 000 miles sign-up bonus
  • pros Flexible redemption options
  • pros Free employee cards.

Cons

  • cons$95 annual fee after the first year
  • cons Limited travel partners
  • cons Requires good to excellent credit
  • cons No introductory APR
  • cons Potential for high APR.
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4.

Bank of America® Business Advantage Travel Rewards World Mastercard®

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The Bank of America® Business Advantage Travel Rewards World Mastercard® is a business credit card designed for frequent travelers. It offers unlimited 1.5 points per dollar spent on all purchases, with no annual fee and no foreign transaction fees. Cardholders can earn 30,000 bonus points after spending $3,000 in the first 90 days. Rewards can be redeemed for travel, including flights, hotels, vacation packages, and more. Additional benefits include travel and emergency assistance services.

Pros

  • pros No annual fee
  • pros Unlimited 1.5 points per dollar on purchases
  • pros No foreign transaction fees
  • pros Intro APR on purchases
  • pros Travel and purchase protections.

Cons

  • consHigh regular APR
  • cons Limited redemption options
  • cons Requires good to excellent credit
  • cons No luxury travel perks
  • cons Points expire after 12 months of inactivity.
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5.

The Blue Business® Plus Credit Card from American Express

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The Blue Business® Plus Credit Card from American Express offers small business owners a straightforward rewards program with no annual fee. Cardholders earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X point thereafter. The card provides flexible spending limits that adjust based on your usage and payment history. Additional benefits include access to expense management tools, purchase protection, and extended warranty coverage, making it a solid choice for managing business expenses.

Pros

  • pros No annual fee
  • pros 0% intro APR
  • pros Earns Membership Rewards points
  • pros Flexible spending limit
  • pros Employee cards at no extra cost.

Cons

  • consForeign transaction fee
  • cons Limited travel benefits
  • cons Points transfer partners limited
  • cons Lower reward rate after cap
  • cons Requires good credit.
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6.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

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The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a business credit card designed to reward frequent American Airlines travelers. Cardholders earn AAdvantage® miles on purchases, with bonus miles for American Airlines expenses, telecommunications, car rentals, and gas stations. Benefits include preferred boarding, free checked bags, 25% savings on in-flight purchases, and no foreign transaction fees. The card also offers travel and purchase protections, making it a valuable tool for business travelers seeking both rewards and convenience.

Pros

  • pros Earn AAdvantage miles on purchases
  • pros First checked bag free on domestic American Airlines flights
  • pros Preferred boarding on American Airlines flights
  • pros 25% savings on inflight food and beverage purchases
  • pros No foreign transaction fees.

Cons

  • consAnnual fee after the first year
  • cons Limited airline-specific rewards
  • cons High APR for balances carried
  • cons Requires good to excellent credit for approval
  • cons Limited redemption options outside of American Airlines.
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7.

U.S. Bank Business Leverage® Visa Signature® Card

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The U.S. Bank Business Leverage® Visa Signature® Card is designed for business owners seeking to maximize rewards. It offers 2x points on eligible purchases in the top two categories where you spend the most each month automatically, and 1x points on all other purchases. There’s no limit to the points you can earn, and points never expire. The card features no annual fee for the first year, followed by a $95 annual fee thereafter.

Pros

  • pros High rewards rate
  • pros Flexible redemption options
  • pros No foreign transaction fees
  • pros Introductory APR offer
  • pros Travel and purchase protection.

Cons

  • cons Annual fee
  • cons Requires good credit
  • cons Limited intro APR period
  • cons Rewards cap
  • cons Complex rewards structure.
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8.

Marriott Bonvoy Business™ American Express® Card

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The Marriott Bonvoy Business™ American Express® Card is a premium business credit card designed for frequent travelers and small business owners. It offers benefits such as bonus points on Marriott Bonvoy hotel stays, dining, gas, wireless services, and shipping. Cardholders enjoy perks like free night awards, elite status, and no foreign transaction fees. Ideal for those looking to maximize rewards on business expenses and travel, it also provides access to business management tools and expense tracking. Terms apply.

Pros

  • pros Earn Marriott Bonvoy points
  • pros Free Night Award annually
  • pros No foreign transaction fees
  • pros Complimentary Silver Elite status
  • pros Travel and purchase protections.

Cons

  • cons$125 annual fee
  • cons Limited acceptance internationally
  • cons Points can expire
  • cons APR can be high
  • cons Limited benefits for non-Marriott stays.
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9.

Chase Ink Business Unlimited® Credit Card

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The Chase Ink Business Unlimited® Credit Card offers small business owners unlimited 1.5% cash back on every purchase, with no annual fee. New cardholders can earn a substantial sign-up bonus after meeting a minimum spending requirement. The card features 0% introductory APR on purchases for the first 12 months, followed by a variable APR. Additional perks include employee cards at no extra cost, purchase protection, and extended warranty coverage, making it a versatile choice for business expenses.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros $750 welcome bonus
  • pros Employee cards at no extra cost
  • pros Purchase protection.

Cons

  • consForeign transaction fee
  • cons No bonus categories
  • cons Requires good credit
  • cons Limited travel benefits
  • cons No intro APR on balance transfers.
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