Best business credit cards - Find Me a Card

Best business credit cards

(Last updated: September 2021)

If you're looking for a credit card that offers rewards on business-related spending, then see below for a list of our favorite such cards.

Notes:

The details of each offer mentioned in this article were current as of the time this article was written, but might have changed by the time you're reading this. (For example, signup bonuses tend to change every few months or so.) Therefore, make sure to double-check the card offer details on the respective credit card issuer's website before you decide to apply for any particular card.
Total value per year for typical business spenders is the average value per year, for the first 5 years of having the card, of all rewards and perks that would be earned by a "typical spender" (spends $1,500 total per month, across spend categories in a way that's consistent with the average U.S. consumer), minus any annual fees.

Best business credit cards overall

Credit card	Summary	Signup bonus	Ongoing rewards	Annual fee	Total value per year for typical business spenders
American Express Business Platinum	A great card for business owners who love travel perks (5x on flights and hotels, $200 airline fee credit, 100K points welcome bonus, and many other travel perks) and are ok with the $595 annual fee.	100K points (after spending $15K w/in 3 months)	Earning points: For the first 3 months: 5x points on gas, office supplies, shipping, wireless phone service, and certain kinds of advertising. (Up to 80,000 bonus points per category.) 5x points on flights and prepaid hotels when you book on the American Express Travel website. 1.5x points per dollar on qualifying purchases of $5,000 of more. 1 point per dollar you spend on all other purchases. Elite statuses: American Express Global Lounge Collection benefits: Unlocks access to more than 1,200 airport lounges across 130 countries and counting. Marriott Bonvoy Gold Elite status: Includes 25% points bonus, priority late checkout, Elite phone line, complimentary enhanced internet, upgrades to enhanced rooms, and welcome gifts. Hilton Honors Gold status: Includes 80% points bonus on stays, milestone bonus, fifth night free on reward stays, two complimentary bottles of water per stay, room upgrades, breakfast, and bonus points or another welcome amenity. American Express Fine Hotels & Resorts program: Provides the following elite-like benefits at over 1,000 luxury hotel locations: Room upgrade upon arrival (subject to availability), daily breakfast for 2 people, guaranteed 4pm late checkout, noon check-in (subject to availability), complimentary wi-fi, and a unique property amenity valued at $100 (spa or food and beverage credit).	$595	$1,217 per year
CitiBusiness / AAdvantage Platinum Select Mastercard	A great business card for American Airlines frequent flyers, which has a 65K miles signup bonus, but comes with a $99 annual fee.	65K miles (after spending $4K w/in 4 months)	2x miles on eligible American Airlines purchases. 2x miles on gas, car rentals, cable/satellite, and telecommunications merchants. 1 mile per dollar on all other purchases. First checked bag is free on domestic American Airlines itineraries for you and up to 4 travel companions. Companion ticket for approx. $130: Earn an American Airlines $99 Companion Certificate each year after spending $30,000 or more. (Redeeming the certificate costs $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on itinerary. That's about $121-143 in total.) Preferred boarding on American Airlines domestic flights.	$99 ($0 intro)	$663 per year
American Express Blue Business Plus	A decent card for business owners, with 2x points on spending and no annual fee, but no welcome bonus.	None	2x points on the first $50,000 in purchases each year. 1x points on purchases thereafter.	$0	$580 per year
Chase Ink Business Cash	A business card with no annual fee, good cash back rates on certain categories (5% on office supplies and certain utilities, 2% on gas and restaurants, 1% elsewhere), and a $750 signup bonus.	$750 (after spending $7.5K w/in 3 months)	5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services. 2% cash back on the first $25,000 spent per year in combined purchases at gas stations and restaurants. 1% cash back on all other purchases.	$0	$317 per year
Citi Costco Anywhere Visa Business Card	A no annual fee card for businesses, offering 4% cash back on gas, 3% on restaurants and travel, 2% at Costco, and 1% on everything else.	None	4% cash back on gas (including gas at Costco), for the first $7,000 spent per year. 3% cash back on restaurants and travel. 2% cash back on other Costco purchases (in-store and/or at costco.com). 1% cash back on all other purchases.	$0	$312 per year

Best business credit cards with no annual fee

Credit card	Summary	Signup bonus	Ongoing rewards	Annual fee	Total value per year for typical business spenders
American Express Blue Business Plus	A decent card for business owners, with 2x points on spending and no annual fee, but no welcome bonus.	None	2x points on the first $50,000 in purchases each year. 1x points on purchases thereafter.	$0	$580 per year
Chase Ink Business Cash	A business card with no annual fee, good cash back rates on certain categories (5% on office supplies and certain utilities, 2% on gas and restaurants, 1% elsewhere), and a $750 signup bonus.	$750 (after spending $7.5K w/in 3 months)	5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services. 2% cash back on the first $25,000 spent per year in combined purchases at gas stations and restaurants. 1% cash back on all other purchases.	$0	$317 per year
Citi Costco Anywhere Visa Business Card	A no annual fee card for businesses, offering 4% cash back on gas, 3% on restaurants and travel, 2% at Costco, and 1% on everything else.	None	4% cash back on gas (including gas at Costco), for the first $7,000 spent per year. 3% cash back on restaurants and travel. 2% cash back on other Costco purchases (in-store and/or at costco.com). 1% cash back on all other purchases.	$0	$312 per year
Chase Ink Business Unlimited	A business card with no annual fee, 1.5% cash back on all purchases, and a $750 signup bonus.	$750 (after spending $7.5K w/in 3 months)	1.5% cash back on all purchases.	$0	$292 per year