13 Best Business Credit Cards for Rewards & Perks

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right business credit card can make everyday expenses more rewarding while also unlocking valuable perks. This list of the 13 best business credit cards highlights top picks for cards that offer strong rewards programs, flexible redemption choices, and benefits that fit different business needs.

  • Sapphire Reserve For Business℠

    The Sapphire Reserve For Business℠ is designed for business owners who want strong travel rewards and premium perks. It combines flexible redemption options with benefits that support both everyday business spending and work-related travel.

    This card focuses on value through points, credits, and protections that appeal to frequent travelers. It also provides access to the same elevated experience found in Chase’s personal Sapphire Reserve line.

    Earning Structure:

    • 8x points on Chase Travel℠ for airline tickets, hotels (including The Edit℠), car rentals, cruises, activities, and tours.
    • 5x total points on Lyft rides through 9/30/27.
    • 4x points on flights and hotels booked directly.
    • 3x points on social media and search engine advertising.
    • 1x point on all other purchases.

    Welcome Bonus:

    New cardholders can earn 200,000 bonus points after spending $30,000 within the first six months of account opening.

    Card Details:

    • Annual fee: $795
    • APR: Variable, around 18.49%–26.49%
    • Other benefits: Travel credits, lounge access, purchase protections
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong travel rewards earning rate
    • Flexible redemption through Chase Ultimate Rewards
    • Premium travel protections
    • Airport lounge access
    • Annual travel credits

    Redemption Options:

    Points can be redeemed for travel through Chase Ultimate Rewards, transferred to airline and hotel partners, or used for cash back and gift cards.

    Credit Requirements:

    The recommended credit score is between 670 and 739.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be practical for businesses with low travel spending.

    Why it Works for Beginners:

    It offers simple earning categories and easy redemption, making it approachable for new business card users.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want strong rewards on common business expenses. It offers flexible points that can be used in several ways, making it useful for both travel and everyday costs. This card focuses on rewarding high-value categories that many businesses already spend on.

    Earning Structure:

    • 3x points on travel, shipping, internet, cable, phone services, and select advertising
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 90,000 bonus points after spending $8,000 within the first three months of membership. This equates to $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 20.24%–26.24%
    • Other benefits: Cell phone protection, purchase protection, extended warranty
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Employee cards at no extra cost

    Key Benefits:

    • High rewards on common business expenses
    • Large welcome bonus opportunity
    • Flexible redemption through Chase Ultimate Rewards
    • No foreign transaction fees
    • Travel and purchase protections included

    Redemption Options:

    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants generally need a FICO score of 670–739 to qualify.

    Spending Limitations / Potential Drawbacks:

    The 3x bonus categories are capped at $150,000 per year, which limits rewards for higher spenders.

    Why it Works for Beginners:

    It provides simple earning categories and flexible redemption, making it easy for new business owners to maximize rewards.

  • American Express® Business Gold Card

    The American Express® Business Gold Card is designed for business owners who want flexible rewards tailored to their spending habits. It focuses on everyday business purchases and adapts to where cardholders spend the most.

    This card works well for companies that want to earn valuable rewards without juggling multiple cards. It also provides tools and benefits that support business growth and travel needs.

    Earning Structure:

    • 4x points on the top two categories where the business spends the most each month (from eligible options)
    • 3x points on flights booked directly with airlines or Amex Travel
    • 1x point on other purchases

    Welcome Bonus:

    Earn 100,000 Membership Rewards® points after spending $15,000 within the first three months of joining.

    Card Details:

    • Annual fee: $375
    • APR: 18.49%–29.24%
    • Other benefits: Expense management tools, employee cards, purchase protection
    • Network: American Express
    • Type: Charge card with Pay Over Time option
    • Foreign transaction fees: None

    Key Benefits:

    • Flexible bonus categories
    • Strong travel protections
    • No foreign transaction fees
    • Access to Amex Offers
    • Expense tracking tools

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or shopping through Amex partners.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card comes with a high annual fee, and rewards categories may not fit every business’s spending.

    Why it Works for Beginners:

    It offers automatic bonus categories and simple redemption, making it easy for new business owners to maximize rewards.

  • Capital One Spark Cash Plus

    The Capital One Spark Cash Plus is a business charge card designed for companies that prefer simple, flat-rate rewards. This card is best for business owners who want consistent cash back on every purchase without rotating and tracking bonus categories.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • 2% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a $2,000 cash bonus by spending $30,000 in the first three months.

    Card Details:

    • Annual fee: $150
    • APR: Not applicable (pay-in-full charge card)
    • Other benefits: Free employee cards, account management tools
    • Network: Mastercard
    • Type: Business charge card
    • Foreign transaction fees: None
    • Spending limit: No preset spending limit

    Key Benefits:

    • Flat 2% cash back on all purchases
    • 5% cash back on travel through Capital One
    • No preset spending limit
    • Free employee cards with rewards pooling
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed as a statement credit or check, with no minimum redemption amount.

    Credit Requirements:

    Applicants are required to have a credit score between 740 and 850 to qualify.

    Spending Limitations / Potential Drawbacks:

    The card requires payment in full each month, and the annual fee may not suit smaller businesses.

    Why it Works for Beginners:

    Its flat-rate rewards and simple structure make it easy for first-time business card users to manage.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card gives business owners a simple way to earn rewards without tracking categories. It works well for small businesses that value ease and flexibility, as well as straightforward cash back on every purchase. This card also provides access to useful business tools and expense management features.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase

    Welcome Bonus:

    New cardholders can earn $750 cash back after spending $6,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–23.49% variable
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Expense management tools: Integration with accounting software available

    Key Benefits:

    • No annual fee
    • Flat cash back rate on all purchases
    • Simple rewards structure with no categories
    • Employee cards at no extra cost
    • Purchase protection and extended warranty coverage

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, gift cards, or travel through Chase Ultimate Rewards.

    Credit Requirements:

    Applicants generally need good to excellent credit, often a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card charges a 3% foreign transaction fee, which may not be ideal for frequent international purchases.

    Why it Works for Beginners:

    Its flat-rate rewards and no annual fee make it easy for new business owners to manage spending without complexity.

  • The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ Card offers small business owners a simple way to earn rewards on everyday purchases. It is designed for those who prefer straightforward cash back instead of points or miles.

    This card is easy to manage and works well for businesses that want consistent rewards without complicated tracking, plus it has tools to help manage expenses as their business grows.

    Earning Structure:

    • 2% cash back on eligible purchases up to $50,000 per year
    • 1% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn a $250 statement credit after spending $3,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–27.49%
    • Other benefits: Expanded buying power, expense management tools
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: 2.7%
    • Rewards type: Cash back as statement credits

    Key Benefits:

    • No annual fee
    • Simple flat-rate cash back structure
    • Intro APR period for purchases
    • Tools for tracking business expenses
    • Expanded buying power over the credit limit

    Redemption Options:

    Cash back is automatically applied to the account as statement credits.

    Credit Requirements:

    Applicants generally need good to excellent credit.

    Spending Limitations / Potential Drawbacks:

    Cash back at the higher 2% rate applies only to the first $50,000 in annual purchases.

    Why it Works for Beginners:

    The card is easy to understand and manage, making it a good starting point for small business owners new to credit cards.

  • Ramp Business Card

    The Ramp Business Card is a corporate charge card designed for businesses that want simple rewards and spending control. It focuses on cash back and expense management features rather than travel perks or luxury benefits. This card also supports unlimited free employee cards, making it easier for companies to manage team spending.

    Earning Structure:

    • 1.5% cash back on all purchases

    Welcome Bonus:

    The card offers a $500 welcome bonus, which will be paid through a virtual card after the application is approved.

    Card Details:

    • Annual fee: $0
    • APR: Not applicable (charge card, balance due monthly)
    • Other benefits: Expense management tools, automated savings insights
    • Network: Visa
    • Type: Corporate charge card
    • Foreign transaction fees: None
    • Employee cards: Free unlimited cards

    Key Benefits:

    • No annual fee
    • Flat cash back rate on every purchase
    • Free employee cards included
    • Built-in expense management tools
    • No foreign transaction fees

    Redemption Options:

    Cash back earned can be redeemed as statement credits, making it simple for businesses to use rewards.

    Credit Requirements:

    Applicants do not need a personal credit history to qualify, as this is a corporate card.

    Spending Limitations / Potential Drawbacks:

    Since it is a charge card, the balance must be paid in full each month, which may limit flexibility.

    Why it Works for Beginners:

    Its flat rewards and no-fee setup make it easy for new business owners to manage spending without complex rules.

  • The Blue Business® Plus Credit Card From American Express

    The Blue Business® Plus Credit Card is designed for small business owners who want to earn rewards on everyday expenses without extra complications. It gives consistent value across many categories, making it a practical choice for those who prefer straightforward earning.

    This card also provides flexibility by letting cardholders earn rewards on both large and small purchases. Its simplicity makes it appealing for businesses that want a reliable tool for managing expenses.

    Earning Structure:

    • 2x Membership Rewards points on eligible business purchases up to $50,000 per year
    • 1x Membership Rewards point on purchases after $50,000

    Welcome Bonus:

    New cardholders can earn 15,000 Membership Rewards® points after spending $3,000 within the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically 17.49%–27.49%
    • Other benefits: Expanded Buying Power, purchase protection, employee cards at no extra cost
    • Network: American Express
    • Type: Credit card
    • Foreign transaction fees: 2.7%
    • Additional perks: Access to Amex Offers for discounts and deals

    Key Benefits:

    • No annual fee
    • Flat-rate earning structure for simplicity
    • Flexible spending with Expanded Buying Power
    • Employee cards at no extra cost
    • Access to the Membership Rewards program

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or shopping with partners through the Membership Rewards program.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The 2x earning rate only applies to the first $50,000 in annual spending, dropping to 1x after that.

    Why it Works for Beginners:

    The straightforward earning structure and lack of an annual fee help new business owners easily manage rewards.

  • Capital One Spark Cash

    The Capital One Spark Cash is a business credit card that gives a flat rate of rewards on all purchases. It is designed for business owners who want simple earnings without tracking categories for companies that spend across many areas. Its straightforward system makes it easy to calculate rewards without extra effort.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • Unlimited 2% cash back on every purchase

    Welcome Bonus:

    New cardholders can earn a $1,000 cash bonus after spending $10,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0 intro for the first year, then $150 after
    • APR: 25.24%
    • Other benefits: Expense management tools, free employee cards
    • Network: Mastercard
    • Type: Business charge card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat 2% cash back on all purchases
    • Simple rewards structure
    • No preset spending limit
    • Employee cards at no extra cost
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed as a statement credit or deposited into a bank account.

    Credit Requirements:

    Applicants generally need excellent credit with a FICO score of 740–850 to qualify.

    Spending Limitations / Potential Drawbacks:

    The card requires payment in full each month since it is a charge card.

    Why it Works for Beginners:

    Its flat-rate rewards and easy redemption make it beginner-friendly for business owners who want a simple system.

  • Capital One Venture X Business

    The Capital One Venture X Business card is designed for business owners who want simple rewards and flexible travel perks. It offers a flat-rate earning system, making it easy to track rewards without juggling multiple categories.

    This card also includes premium travel benefits that can help frequent travelers save money and enjoy extra comfort. Its structure is straightforward, which makes it appealing to both new and experienced business card users.

    Earning Structure:

    • 10x miles on hotels and rental cars booked through Capital One’s travel site.
    • 5x miles on flights and vacation rentals booked through Capital One’s travel site.
    • 2x miles on every purchase

    Welcome Bonus:

    New cardholders can earn 150,000 bonus miles after spending $30,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $395
    • APR: Not applicable
    • Other benefits: Airport lounge access, annual travel credits, free employee cards
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat-rate rewards on all purchases
    • Premium travel perks
    • Free employee cards with benefits
    • Flexible redemption options
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for travel, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants generally need excellent credit with a FICO score between 740 and 850 to qualify.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worthwhile for businesses that do not travel often.

    Why it Works for Beginners:

    Its simple earning structure makes it easy for beginners to understand and maximize rewards without extra effort.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is designed for small business owners who want simple rewards on everyday expenses. It focuses on categories that many businesses already spend in, making it easy to earn without changing habits.

    This card works well for owners who prefer cash back but still want flexibility. It offers rewards that can be redeemed in different ways, giving it more value than a straightforward cash-only card.

    Earning Structure:

    • 5x cash back on select business categories like office supplies, internet, cable, and phone services
    • 2x cash back on gas stations and restaurants
    • 1x cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn $350 after spending $3,000 within the first three months. They can also earn an additional $400 after spending $6,000 within the first six months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 17.49%–25.49%
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional features: Access to Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • High cash back on select business categories
    • Flexible redemption options
    • Employee cards available at no extra cost
    • Purchase protection on eligible items

    Redemption Options:

    Rewards can be redeemed for cash back, statement credits, gift cards, or travel through Chase Ultimate Rewards.

    Credit Requirements:

    Applicants typically need a FICO score of 670–850 to qualify.

    Spending Limitations / Potential Drawbacks:

    The bonus categories have annual spending caps, and foreign transaction fees make it less ideal for international use.

    Why it Works for Beginners:

    It provides simple earning categories with no annual fee, making it easy for new business owners to manage.

  • The Business Platinum Card® From American Express

    The Business Platinum Card® from American Express is designed for business owners who travel often and want premium perks. It provides access to benefits that support both business spending and frequent travel needs.

    This card focuses on rewards, travel services, and credits that can offset costs. It works best for businesses that spend heavily in categories like flights and hotels.

    Earning Structure:

    • 5x points on flights and prepaid hotels booked through Amex Travel
    • 1.5x points on eligible purchases in select business categories and large transactions
    • 1x point on other eligible purchases

    Welcome Bonus:

    Earn 150,000 Membership Rewards® points after spending $20,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $695
    • APR: Variable, around 18.49%–29.24%
    • Other benefits: Airport lounge access, annual business credits, travel protections
    • Network: American Express
    • Type: Charge card with Pay Over Time option
    • Foreign transaction fees: None

    Key Benefits:

    • Access to airport lounges worldwide
    • Annual statement credits for select business services
    • Premium travel protections
    • 24/7 customer support
    • Flexible Pay Over Time option

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for businesses with low travel or limited expenses.

    Why it Works for Beginners:

    It helps new business owners earn valuable rewards while gaining access to travel perks that can reduce costs.

  • Bank of America® Business Advantage Unlimited Cash Rewards Secured Business Credit Card

    This secured business credit card helps owners build or rebuild their credit while earning rewards. It is designed for small businesses that want simple cash back with no complicated categories.

    The card requires a security deposit but functions like a standard credit card. It can be a practical option for business owners who need to establish a stronger credit history while still earning rewards.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 27.49%
    • Other benefits: Helps build business credit with responsible use
    • Network: Mastercard
    • Type: Secured business credit card
    • Foreign transaction fees: May apply
    • Security deposit: Required to open account

    Key Benefits:

    • No annual fee
    • Earns flat-rate cash back on all purchases
    • Can help build or rebuild business credit
    • Simple rewards structure with no categories
    • Accepted worldwide as a Mastercard

    Redemption Options:

    Cash back can be redeemed as statement credits or deposited into eligible Bank of America accounts.

    Credit Requirements:

    Applicants with limited or damaged credit may qualify since it is a secured card.

    Spending Limitations / Potential Drawbacks:

    The credit line depends on the security deposit, which may limit spending power.

    Why it Works for Beginners:

    It offers straightforward rewards and a path to build credit while avoiding annual fees.

Frequently Asked Questions

What are the top features to look for in a business credit card for maximizing rewards?

The most important features include strong earning rates on business categories like office supplies, advertising, or travel. Flexible redemption options, such as cash back or transfers to travel partners, add more value. Additional perks like purchase protection and expense tracking also help maximize rewards.

How do business credit cards for new LLCs differ from those for established businesses?

New LLCs may qualify for cards that focus on simple cash back and easier approval requirements. Established businesses often benefit from premium cards with higher limits and more robust travel perks. Lenders usually consider the business’s financial history and revenue when approving cards.

What are the benefits of using a business credit card for travel expenses?

Travel cards often provide rewards on airfare, hotels, and car rentals, which reduces overall travel costs. Many also include perks like no foreign transaction fees and airport lounge access. Some cards offer travel insurance coverage, which can add extra protection during business trips.

Which business credit cards offer the best cash back and reward points programs?

Flat-rate cards like the Capital One Spark Cash Plus and the American Express Blue Business Cash™ Card provide simple, unlimited cash back. For points, cards such as the Ink Business Preferred® Credit Card deliver flexible rewards and high-value travel redemptions. The best choice depends on whether a business prefers straightforward cash or transferable points.

How can a business owner choose between a Chase, Capital One, or American Express business credit card?

Chase cards offer a good balance of travel rewards and flexible redemption options. Capital One cards usually provide straightforward cash back and simple flat-rate earning structures. American Express cards stand out for premium travel benefits and higher reward potential in specific categories.