Business credit card reward categories

Please select all that apply Couldn't find a product to meet my needs. Didn't like the website experience. I already have a Bank of America credit card. What, if anything, would you suggest Bank of America change about this website? Please be as specific as possible.

Thank you Your responses will help us improve the Bank of America digital experience for all our customers. Close window. Apply now for Cash Rewards for Business MasterCard® credit card Terms and conditions for Business Advantage Cash Rewards Mastercard® credit card.

Not ready to open online? Schedule an appointment Schedule an appointment Help with opening an account Call us Help with opening an account Phone number: Flexible Redemption Options Choose how to redeem your cash rewards — as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.

Standard APR Cash Advance APR Features Features. Cash Flow Management Tools Manage your business with a suite of online services including automatic payments, transfers and downloading transactions into QuickBooks. Security Security. Balance Connect® for overdraft protection Overdraft Protection.

Overdraft Protection transfers may not be available for up to 14 days from account opening. If Company requests Overdraft Protection and is approved, Bank will automatically transfer funds from Company's Account to cover any overdraft as long as Company's Account has sufficient cash and credit availability and Company is not in default under the Business Card Agreement.

Overdraft Protection transfers from a linked business credit card will be made for the amount required to cover the overdraft. Bank shall not be obligated to make, but may make a transfer that would result in Company's Account being over the Cash Limit and Credit Limit.

Company acknowledges and agrees that any person authorized to transact business on the checking account may access Company's Account for Overdraft Protection coverage.

Please see your Business Card Agreement for details. Fraud Monitoring We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity.

Paperless Statement Option Opt for paperless credit card statements and increase account security while reducing paper consumption. Connect with us. From ForbesAdvisor. com , Best Business Gas Cards, July © Forbes Marketplace Operations, Inc. com , Best Cash Back Business Cards, July © Forbes Marketplace Operations, Inc.

The introductory rate does not apply to cash advances. The variable APR for Cash Advances is ExtendPay Fees: A monthly fee not to exceed 1. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance.

ExtendPay Fees are calculated based upon the original principal amount, Purchase APR and other factors. When you make a payment, the amount of your Minimum Payment is applied first to the monthly payment obligation for U.

Bank ExtendPay ® Plans and U. Bank ExtendPay ® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

New Credit Card Enrollment Bonus: Offer valid only for the U. Bank Triple Cash Rewards Visa ® Business Card. Net purchases are purchases minus credits and returns.

Please allow weeks after you have met the spend requirement for your cash back to be credited to your Account. Cash Rewards may be redeemed as a statement credit, U. Bank Rewards Card, or deposited to your U. Bank business checking, savings or money market account. A statement credit will not satisfy the minimum payment requirement.

Offer may not be combined with any other offer. Subject to credit approval. Transactions qualify for cash back based on how merchants classify the transaction.

Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Not all transactions are eligible for cash back, such as Advances, Balance Transfers and Convenience Checks.

You may not redeem cash back, and you will immediately lose all of your earned cash back rewards, if your account is closed to future transactions including, but not limited to, due to Program misuse, fraudulent activities, failure to pay, bankruptcy, or death.

Cash back may be redeemed as a statement credit, U. The amount of Rewards that may accumulate for your Account is unlimited. Rewards accumulated are non-expiring, subject to conditions set for herein.

Refer to your cardmember agreement for full details. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

Account must be in good standing open and able to use to receive the credit. Bank Triple Cash Card. Prepaid car and hotel reservations in the travel rewards center are not classified as a travel category merchant transactions and are not eligible to receive additional cash back for that category.

Please allow statement billing cycles for your cash back reward to appear on your credit card statement. From time to time we may offer you the benefit of our U. Bank ExtendPay ® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases.

Bank ExtendPay ® Plan. If your company is set up with individual billing, the AO may only select Purchases made on their own card account. Only Purchase balances are eligible for U. Bank ExtendPay ® Plans. Transactions identified as Advances or Balance Transfers as defined in your Cardmember Agreement , and any interest or fees, including Annual Fee, do not apply.

Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your U. Bank ExtendPay ® Plan is created and is provided to you before you complete setting up an ExtendPay Plan.

This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors. Skip to main content.

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I get the most value out of this card by taking advantage of the upgraded boardings, inflight Wi-Fi credits and 9, anniversary bonus points, which help offset the significant annual fee.

If you only fly Southwest a handful of times per year or want a lower annual fee, you should consider the Southwest Rapid Rewards Premier Business Credit Card instead. The United Business Card is an affordable option for business travelers who tend to fly with United and its partners.

Plus, you can spend your way toward United elite status and gain access to expanded award availability when it comes time to redeem those MileagePlus miles.

The most important step to maximizing credit cards for your small business is choosing the right one or ones. Many small business owners want cash back that they can reinvest in their operations, but some might consider a card that earns points or miles toward travel.

Knowing what type of rewards you want is critical to picking the best business credit card. In addition, the right business card should help you earn bonus rewards on spending that you are already doing.

Figure out where your small business spends the most — be it on travel, shipping or office supplies — and then look for a card that offers the highest return on those purchases. You can maximize your business credit cards by charging all business purchases to your credit card.

This is a great way to keep your business expenses separate from personal expenses as well as maximize the return on your spending. The right credit card for your business will likely offer even higher returns. By putting all of your expenses on a business credit card, you will earn more rewards!

Finally, be sure to pay off your balance in full every month to avoid interest and fees that could cancel out any rewards you earn. Luckily, many business cards offer various bonus categories. Many travelers are familiar with personal credit cards, but business credit cards are an entirely different segment of the market.

These products are generally geared toward those who run small businesses, and as such, they frequently include perks that are valuable to a businessowner — including features like no preset spending limit, bonus rewards on shipping or technology purchases, and even statement credits toward software purchases.

Many freelancers or sole proprietors can use a business card to separate business-related expenses from their personal ones. But what next?

It can be strange to switch up spending habits, but try to switch to using your business credit card as your go-to option rather than cash, debit, bank transfers or other payment methods.

The sign-up bonus is one of the most, if not the most, lucrative ways of earning lots of points or air miles and for the least amount of effort. Sign-up bonuses are usually in the form of spending a certain amount of money in a certain amount of time.

Some credit card fees and interest are deductible from your tax returns as business expenses. If you own a small business or just do freelance gigs , you could be eligible for a business credit card. When filling out an application form for a business credit card, there are some extra pieces of information required in addition to what you might provide for a personal credit card application.

When you start your application, you might not be sure what name to put on a business card application. There are two numbers you could use for this, depending on how your business is set up. You can easily get an EIN on the IRS website.

This is the part where you enter how much money your business makes and how much your outgoings were to run your business. In most cases, your small business credit card would be guaranteed by you personally and not the business itself. Check out the following guides to applying for small-business cards for issuer-specific strategies:.

Related: 5 ways you might be eligible for a business credit card without realizing it. Business credit is similar to your personal credit in that it allows potential creditors to judge what kind of credit risk your business poses.

Having business credit helps keep your business and personal finances from affecting each other in the long run. An important thing to remember when considering both business and personal credit is that making payments on time is crucial to avoid damaging your credit score.

Credit reporting bureaus are companies that generate both business and personal credit scores. For personal credit, the main bureaus are Equifax, Experian and TransUnion.

Credit scoring systems differ for business and personal credit. Getting access to your personal credit score is relatively easy.

Federal law entitles you to a copy of your credit report once every 12 months from each of the main three bureaus, for free. Business and personal credit cards have similar functionalities. Many card issuers allow for personal referrals for business cards. However, business credit cards are geared toward small businesses, and depending on the issuer or specific card product , you may need to produce formal documentation in order to be approved.

In addition, business cards typically include bonus categories or benefits that may hold less appeal to the general consumer. This can include bonus rewards on shipping purchases, statement credits for business-related service providers or embedded technology to help with accounting.

If your company travels internationally often, you would want a business credit card with no foreign transaction fee. If your small business spends a bunch of money on client dinners, then a business card with a dining bonus could be the best fit.

You can then use the card to make purchases, but you need to pay off the loan according to the terms. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around.

Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.

Instead of worrying about this question, though, focus your energy on paying your balance in full and on time each month. This will ensure that any business cards reported to a credit bureau will only impact your score in a positive way. You certainly can , though each issuer reserves the right to review your application and determine whether you qualify for a business line of credit.

In many instances, you can use your Social Security number as a sole proprietor and get approved for a card. Even if you have no business credit history, an issuer will look at your personal credit score and history to determine your eligibility. It is possible to refer someone to a business card even if you only have personal cards.

Every issuer has their own policy regarding rewarding referrals so you will have to check with your specific card issuer to see if you are eligible for a referral bonus. Check out our in-depth guide on earning referral bonuses on both personal and business credit cards.

Having a business credit card is important for both small businesses and larger corporations. The primary difference between a small business card and a corporate business card is who is liable for the debt and fees. Small businesses hold the primary cardholder liable, while corporate cards hold the company liable.

Alternatively, the primary cardholder earns the rewards for small business cards, and the company generally keeps the rewards for corporate cards.

Skip to content. Advertiser disclosure. Credit Cards. By Nick Ewen. Nick Ewen Director of Content. Nick Ewen is a director of content and helps readers leverage credit cards he has 23 of them and loyalty programs to travel more for less.

He's been at TPG for over 11 years. and Christina Ly. Christina Ly Credit Cards Writer. Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in Edited by Eric Rosen.

Eric Rosen Director of Travel Content. TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.

Reviewed by Stanley Sanford. Stanley Sanford Senior Compliance Associate. Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to He's reviewed content for several reputable sites, including CreditCards.

com, Bankrate, CNET. and even thepointsguy. com before leading the compliance team for The Points Guy full time in early Updated Nov. With our comprehensive guide, you can explore the best cards for your business today.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most.

While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Capital One Venture X Business : Best for businesses with high-spending. Ink Business Preferred® Credit Card : Best for bonus earning.

American Express® Business Gold Card : Best for flexible rewards earning. Capital One Spark Cash Plus : Best for unlimited business cash back. The Business Platinum Card® from American Express : Best for travel perks.

Ink Business Unlimited® Credit Card : Best for freelancers. The Blue Business® Plus Credit Card from American Express : Best for no annual fee.

Delta SkyMiles® Platinum Business American Express Card : Best for mid-tier business owners who fly Delta. Capital One Spark Miles for Business : Best for everyday business spending.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card : Best for BofA Preferred Rewards for Business members.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Best for customizable business cash back. Ink Business Cash® Credit Card : Best for office supplies.

Alaska Airlines Visa® Business card : Best for businesses that fly Alaska Air regularly. Southwest® Rapid Rewards® Performance Business Credit Card : Best for frequent Southwest Airlines flyers.

Browse by card categories Startups. Business Cash-Back. Business Secured. Business Gas. Limited Time Offer. Best for businesses with high-spending.

Capital One Venture X Business. Compare this card. Apply now. at Capital One's secure site. Rewards rate 2X miles 2 miles on every purchase 5X miles 5 miles on flights booked through Capital One Travel 10X miles 10 miles on hotels and rental cars booked through Capital One Travel.

Annual Fee. Regular APR. Recommended Credit Open Credit score description Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application. Why We Chose It The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more.

VIEW MORE. Pros The Capital One Venture X business card offers the potential to earn a welcome offer of up to , miles. Business owners are also able to add employee cards for free. Another drawback is that the annual travel credit can only be used on bookings made through Capital One Travel.

Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. Lower Spend Threshold. Best for bonus earning. Ink Business Preferred® Credit Card. at Chase's secure site.

Access to the Chase Ultimate Rewards portal for points redemption. Bonus categories that are most relevant to business owners; primary car insurance.

Cons Yearly cap on bonus categories. No travel perks. Member FDIC. Best for flexible rewards earning. American Express® Business Gold Card. at American Express's secure site.

Rewards rate 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. com using your Business Gold Card. Why We Chose It The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most.

There may be better options for small businesses who don't spend a lot. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required. Your Card — Your Choice. Choose from Gold or Rose Gold.

Best for unlimited business cash back. Capital One Spark Cash Plus.

Find the best business credit card from Chase. Get rewarded on business expenses with sign up bonus offers, cashback rewards, airline miles, and more on all Use any of these best business credit cards to earn cash back, flexible rewards, airline miles, or hotel points on holiday gifts for Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with

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5 High Value Business Credit Cards for Your New Business

Business credit card reward categories - We reviewed 21 popular business credit cards and chose the best cards that fit into six main categories: cash back, travel, luxury Find the best business credit card from Chase. Get rewarded on business expenses with sign up bonus offers, cashback rewards, airline miles, and more on all Use any of these best business credit cards to earn cash back, flexible rewards, airline miles, or hotel points on holiday gifts for Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with

Tiered versus flat-rate rewards. Alternatively, some store-specific cards offer tiered rewards that change based on categories. If you want to keep things simple or if you spend across many categories, the flat-rate reward may be best for you. If you spend heavily in one category, like fuel, it may be worthwhile to find a card that offers higher rewards for those purchases.

If you're unsure of your business spending habits, reviewing your bank statements may help you categorize expenses. Redemption options.

How you redeem your rewards may affect their value. It's important to understand any limitations on redemption, such as caps on the dollar amount you can redeem at once or when you can redeem them.

Other potential perks. Points, miles and cash back aren't the only benefits offered by a business credit card. Some provide perks like access to exclusive events or premium travel lounges. Employees can usually be added to your business credit card account as authorized users or account managers for free.

They'll receive their own cards but aren't responsible for making payments. Employee cards can help your business earn rewards faster, simplify expense reporting and eliminate reimbursement paperwork.

Learn more about how Capital One allows you to manage employee credit cards and rewards. Choosing the right business rewards credit card should help you earn valuable rewards that can reduce your overall costs. Whether you travel frequently or have miscellaneous expenses, how you spend and redeem rewards may influence the program you choose.

If you're searching for the right business credit card rewards for your company, check out Capital One Spark Business Cards. Earn up to , bonus miles with the Capital One Venture X Business card.

video December 12, 1 min video. article August 25, 7 min read. article January 27, 5 min read. A guide to business credit card rewards Learn about the different types of business credit card rewards programs and how to choose the right one for you.

Points are credits you earn with each qualifying dollar spent on your business credit card. They can be redeemed for discounts on eligible expenses, such as meals, fuel or office supplies. Travel rewards or miles are also earned on each dollar spent on purchases.

They can be applied to eligible travel expenses, such as airfare, hotels or rental cars. In some cases, you may be eligible to transfer miles to certain airlines or hotel chains that use their own rewards systems. Cash back business credit cards enable you to earn back a percentage of each purchase.

The amount may be used to lower your balance, or in some cases, it may be cashed out via check or bank deposit. However, it can put significant value back into your pocket if you make the most of its wide array of upscale benefits and earning opportunities.

Amex Business Platinum card review. 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.

The American Express® Business Gold Card is an excellent customizable rewards business credit card for folks capable of paying the pricey annual fee. Eligible 4x categories are:. So if your business spends big in these categories, the American Express® Business Gold Card is worth the extra expense.

You'll also earn 3 points per dollar on flights and prepaid hotels booked on AmexTravel. Amex Business Gold card review. Trying to examine each of the dozens of rewards business credit cards yourself is a tall order.

We've done the legwork for you by pitting each against the other to determine the cards with:. Read about how we rate and review credit cards at Business Insider, and check out our credit card reviews hub to see which credit cards rank at the top of their respective category. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost.

In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company.

Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Refer to your Guide to Benefits for more details.

Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here. Get Started Savings CDs Checking Accounts Student Loans Personal Loans Credit Scores Life Insurance Homeowners Insurance Pet Insurance Travel Insurance Banking Best Bank Account Bonuses Identity Theft Protection Credit Monitoring Small Business Banking.

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Written by Jasmin Baron and Katherine Fan ; edited by Sarah Silbert ; reviewed by Angela Fung. Share icon An curved arrow pointing right. Share Facebook Icon The letter F. Facebook Email icon An envelope. It indicates the ability to send an email. Email Twitter icon A stylized bird with an open mouth, tweeting.

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Redeem now. Best flat-rate cash back with no annual fee. Apply now lock icon An icon in the shape of lock.

The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star. Icon of check mark inside a promo stamp It indicates a confirmed selection.

Annual Fee. Intro APR. Regular APR. Recommended Credit. Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Intro APR offer Check mark icon A check mark. No annual fee. Cons con icon Two crossed lines that form an 'X'. Amex Blue Business Cash Card review External link Arrow An arrow icon, indicating this redirects the user.

APRs will not exceed Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing.

That's why you've got the power to spend beyond your credit limit with Expanded Buying Power. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

No Annual Fee Terms Apply. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best uncapped cash back.

Ink Business Unlimited® Credit Card. On Chase's website. Perks Earn unlimited 1. Earns 1. You can earn more cash back on some purchases with a card that has bonus categories. Ink Business Unlimited review External link Arrow An arrow icon, indicating this redirects the user.

Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

Ink Business Cash® Credit Card. Intro APR offer for purchases Check mark icon A check mark. No annual fee Check mark icon A check mark.

You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel. Annual cap on bonus categories. Ink Business Cash review External link Arrow An arrow icon, indicating this redirects the user.

No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Strong welcome bonus and bonus categories for a no-annual-fee card Check mark icon A check mark. World Elite Mastercard benefits including cell phone protection.

Foreign transaction fees con icon Two crossed lines that form an 'X'. Relatively high minimum spending requirement to unlock bonus con icon Two crossed lines that form an 'X'. Bank Business Triple Cash Rewards World Elite Mastercard review External link Arrow An arrow icon, indicating this redirects the user.

Best for earning travel points with no annual fee. The Blue Business® Plus Credit Card from American Express. The rare no-annual-fee card to earn Amex Membership Rewards points Check mark icon A check mark.

Amex Blue Business Plus Card review External link Arrow An arrow icon, indicating this redirects the user.

APR will not exceed It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Best overall travel rewards card. Ink Business Preferred® Credit Card.

High sign-up bonus Check mark icon A check mark. Offers 3x bonus points on several spending categories, including travel and advertising purchases Check mark icon A check mark. Includes comprehensive travel coverage. Welcome bonus has a very high minimum spending requirement.

Ink Business Preferred Card review External link Arrow An arrow icon, indicating this redirects the user. Member FDIC. Best travel rewards card with luxury perks. The Business Platinum Card® from American Express. Perks Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.

More travel benefits than you'll find on any other business credit card Check mark icon A check mark. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass enrollment required Check mark icon A check mark.

Complimentary hotel elite status enrollment required Check mark icon A check mark. Access to Amex concierge services. Very high annual fee con icon Two crossed lines that form an 'X'.

Limited opportunities to earn bonus points con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone.

Business credit card reward categories - We reviewed 21 popular business credit cards and chose the best cards that fit into six main categories: cash back, travel, luxury Find the best business credit card from Chase. Get rewarded on business expenses with sign up bonus offers, cashback rewards, airline miles, and more on all Use any of these best business credit cards to earn cash back, flexible rewards, airline miles, or hotel points on holiday gifts for Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with

Best for annual cash bonus. Best for earning rewards on office expenses. Best for large welcome offer. Best for no balance transfer fee. Learn more: Why expert Holly Johnson loves the Capital One Spark Cash Plus credit card. Best for Bank of America customers. You get flat-rate cash back on all purchases, without having to think about spending caps or having to tailor your spending toward specific categories.

You can also boost those rewards significantly if you qualify for a Bank of America Preferred Rewards, earning up to 2. Best for large purchases. Big spenders will get the most value, earning unlimited cash back at a solid flat rate for general purchases with a slight boost for larger purchases.

Independent contractors, freelancers or business owners with a high cash flow. Learn more: Chase Ink Business Premier benefits guide.

Best no-annual-fee business card. Plus, it comes with an introductory APR offer to make it easier to keep your balance paid off. Small-business owners with limited revenue.

This includes sole proprietorships and startups who want to redeem rewards for travel purchases and take advantage of perks like free employee cards and expanded buying power without worrying about paying an annual fee.

Learn more: Amex Blue Business Cash vs Amex Blue Business Plus. Best for customizable cash back category. Cardholders can choose where they can earn the most cash back in select categories for their spending, which is a rarity in business rewards cards.

But the best way to maximize your cash back with this card is to have an eligible Bank of America business checking account and qualify for a Preferred Rewards program, allowing you to earn up to 75 percent more cash back on every purchase. Businesses with consistent monthly spending categories may prefer the U.

Bank Business Altitude Connect World Elite Mastercard , as you can also earn a higher rewards rate on travel-related expenses. Also, you may want to consider other Bank of America Business credit card options. Learn more: Is the Bank of America Business Advantage Customized Cash Rewards Mastercard worth it?

Best for reward category flexibility. Best for fair credit. Best for flexible travel redemption. Learn more: Is the Chase Ink Business Preferred worth it?

Best for luxury travel perks. Despite the high annual fee, this is one of the best business travel credit cards. On top of the generous rewards and welcome offer, business travelers can access over 1, airport lounges worldwide with this card. Plus, cardholders may be able to earn enough statement credits to more than cover the annual fee.

Learn more: Why these real-life business travelers love the Amex Business Platinum. Best for easy rewards redemption. Learn more: Capital One Spark Cash Plus vs. Capital One Spark Miles for Business. Best business card for flat-rate cash back.

You also get an intro APR offer on purchases and Expanded Buying Power , which allows you to spend above your credit limit without paying an over-limit fee see terms.

If you love earning straightforward cash rewards on purchases and can stay under the yearly spending limit, you could earn more cash back with this card than the typical flat-rate business credit cards. Learn more: Amex Blue Business Cash Card benefits guide.

Best for Hilton benefits. Best for potentially high credit limit. If you need a business credit card for an LLC or corporation, the Capital on Tap Business card is a low-maintenance option worth considering. Learn more: How small businesses can use the Capital on Tap Business Credit Card.

BEST FOR UNITED AIRLINES BENEFITS. There are enough perks with this card to help occasional and frequent United flyers offset the annual fee that kicks in after the first year. Cardholders can take advantage of first checked bag free for you and a companion, two annual United Club one-time passes and discounts on United inflight purchases.

It earns big on Hilton stays as well as purchases at U. purchases for shipping and on wireless telephone services purchased directly from U.

service providers. Learn more: Guide to the United MileagePlus program. Best for frequent business travelers. It helps you earn elevated cash back in the category of your choice plus a decent cash back rate on dining purchases.

BEST FOR BUSINESS DISCOUNTS. It also comes with airline perks rarely found on most general business cards. Learn more: The Brex 30 is one of the best business credit cards with no personal credit check.

Read our full Brex 30 Card review. Best business card for automatic bonus categories. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns more in your customizable category and has no annual fee, making it worth a look.

Business credit cards are revolving lines of credit that help cover short-term expenses and build business credit.

Some cards may also earn rewards on eligible business-related spending and offer zero-interest intro APR periods. Business credit cards work the same as consumer credit cards: If approved, you typically receive a specific credit limit, which serves as your spending maximum.

Card issuers report your credit usage, good or bad, to credit bureaus, which can affect your credit score. Like consumer cards, business cards may also come with rewards, often in the form of cash back, points or miles.

The best business cards available often require good credit, but secured business credit cards exist as a way to help entrepreneurs get started building or rebuilding their business credit. These include your:. If you run a part-time business — like a side hustle or gig — a business card is a great credit tool.

A business card can help if you have high startup costs, increased travel expenses or growing operating costs. Plus, if you transition to running your business full time, a card can help build your business credit score.

Business cards offer several advantages over personal cards when initially funding a business, though you should keep a few potential drawbacks in mind. Working capital: A business credit card can help address short-term financing needs.

Lenient qualification: It can be easier to qualify for a business credit card than a business loan or line of credit. Credit limits: Business credit cards usually provide higher credit limits than consumer credit cards.

Separates business expenses: Business credit cards help track and manage your company's expenses for budgeting and tax purposes. Lower APR: Business cards often come with lower interest rates than personal credit cards. High credit requirements: While secured business credit cards exist, the choices available for businesses with fair or poor credit are slim.

Liability: You may be personally liable for any unpaid debt on the cards, and business credit can affect your personal credit. Choosing the right business card depends on your specific business.

One of the main factors to consider is the type of business card you need. A few of the most common types of business cards are:. Once you know what kind of business card best suits your business and its needs, consider these steps when choosing the best one for you.

If your priority is convenience, choose a flat-rate business rewards card that offers at least 1. The value of your rewards can vary based on how you redeem them. Make sure the card you choose offers at least one cent per point or mile for your favorite redemption option.

Two cards may offer the same rewards, but one might offer additional features that can save you money. Examples of perks to consider include intro APR offers, cellphone insurance or travel protections. Other costs to consider include late fees and penalty APRs. To get some first-hand perspectives, we checked out what Reddit and myFICO® Forums users are saying about their favorite business cards.

For example, Amex business cards that earn Membership Rewards are useful for travel because American Express has a solid network of transfer partners, including top airlines and hotels.

Redditor beley favors the Amex Gold Business card because of its elevated rewards rates on business expenses like advertising and shipping. Those rewards can translate into great travel redemptions, and the same Reddit user said that they take a couple of vacations every year using miles and points.

Chase Ink business cards also typically have strong welcome offers and solid rewards rates. For example, several Reddit users recommended the Ink Business Unlimited® Credit Card.

On top of its competitive welcome offer, the card provides unlimited 1. This Redditor included a few key tips for choosing the right cards. For a small business, a catch-all card with solid perks, such as the much-loved Capital One Spark Cash Plus, may be all you need.

Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. Like with consumer credit cards, you want to have a clear vision for how your business credit card can help you achieve your financial or business goals.

Here are a few tips to get you started:. When getting a business card, whether a corporate card or a small-business credit card , it may be a good idea to go through the same issuer as your personal credit card.

A few perks can come with going this route, such as a better chance of qualifying and pooling rewards. The Federal Reserve left interest rates untouched in January and signaled that it intends to make several cuts throughout the year.

Should these cuts come to pass, it marks the end of a series of rate hikes that led to the highest levels seen in 22 years. Small-business owners of all credit levels could see card rates and fees begin to lower in the coming year, though businesses with poor credit may still find issuers wary to lend without proof of strong finances.

Small business owners who can get approved have some options that can cut down on borrowing costs. Zero-interest business credit cards let business owners take advantage of promotional APR offers.

During this time, you can avoid interest charges for up to 12 or 18 months depending on the offer. You may also be able to take advantage of SBA loans , which are guaranteed by the U.

Small Business Administration. These government-backed loans cap interest rates, helping to make small business loans more affordable.

Several types of SBA loans are available, including options to help business owners with bad credit who struggle to get approved for financing. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information about the Capital One® Spark® Classic for Business card has been collected independently by Bankrate. When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular business spending categories. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. We also score cards based on how much it costs to keep them in your wallet or carry a balance.

To start, each business card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other business cards. This is because an intro APR on new purchases or balance transfers can be a lifesaver if you need to pay down debt, finance a large business purchase or free up cash flow.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many business owners would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Business rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Top-tier perks include benefits like airport lounge access, travel credits, elite status with an airline or hotel and credits for expedited security screening membership programs.

We give extra weight to perks especially useful or valuable for small-business owners, like being able to qualify with no personal guarantee, digital advertising credits, free employee cards and accounting perks.

The best business card depends on the type of business you run and its needs, but here are the three highest-rated business cards on Bankrate:.

Many business credit cards are available to startups. The best business card for one business may not be the best one for yours. Starting to build your business credit could be as easy as establishing credit with vendors and suppliers.

But not all credit lenders will report accounts to business credit bureaus. Opening a business credit card is a better option.

Another benefit is that you can avoid interest charges with a business credit card as long as you consistently pay your balance in full each month. A business credit score applies to businesses rather than individuals. Unlike personal credit cards, business credit scores can range between one and depending on the business credit bureau.

Business scores are also public and attached to an Employer Identification Number EIN rather than a Social Security Number. But you may have to pay to see your score or look up other businesses. The most common alternatives to business cards are:. Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases.

Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan. For small business owners — particularly single-member LLCs and S-Corps, business cards are an important tool to help track your transactions and keep them separate from your personal expenses.

Using business cards to organize expenses really helps me maximize deductions. The rewards you earn with business credit cards aren't taxable, so if you maximize them you can earn substantial cash, points or miles.

When you use the card exclusively for business expenses, you can also deduct the fees that are associated with these products. We use primary sources to support our work. Can I build a good FICO score if a charge card is my only credit account?

Accessed on Jan. Federal Reserve issues FOMC statement. Board of Governors of the Federal Reserve System.

Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty.

After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty.

Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval. No credit hits. Your personal information and data are protected with bit encryption.

That means:. All of your personal information is protected with bit encryption. Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile. Credit Cards Business Advertiser Disclosure Advertiser Disclosure Bankrate.

Robert Thorpe. Written by Robert Thorpe Arrow Right Editor, Personal Finance. Courtney Mihocik. Edited by Courtney Mihocik Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards.

Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare business cards in Circle Check We evaluated over 40 business perks.

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View card list Collapse Caret Up. Best Business Credit Cards of February Capital One Venture X Business Rewards Credit Card : Best business card for travel perks and credits Capital One Spark Cash Plus : Best for annual cash bonus Ink Business Cash® Credit Card : Best business card for earning rewards on office expenses Ink Business Unlimited® Credit Card : Best business card for unlimited 1.

Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Featured business Card. Apply now Lock on Capital One's secure site. Limited Time Offer. Capital One Venture X Business Capital One Venture X Business. Rating: 4. Bankrate review. Intro offer. Annual fee. Regular APR. Rewards details Caret Down 2X miles 2 miles on every purchase 5X miles 5 miles on flights booked through Capital One Travel 10X miles 10 miles on hotels and rental cars booked through Capital One Travel.

Pros Boasts valuable, practical travel perks, including annual travel statement credits, anniversary miles and airport lounge access, making it easy to offset the annual fee.

Offers ultra-flexible travel redemption, allowing you to redeem miles for travel via Capital One, transfer to participating airline partners and more. You can redeem miles for cash back, but doing so will cut the redemption value of your miles in half. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.

Capital One Spark Cash Plus Capital One Spark Cash Plus. Pros The rewards program is straightforward and the flat-rate return on spending is generous. Given its a charge card, there are no flexible financing options.

Ink Business Cash® Credit Card Ink Business Cash® Credit Card. appOddsOn { aoProduct. Apply now Lock on Chase's secure site. Pros The value of the sign-up bonus is superb. Rewards are generous, particularly for a no-annual-fee credit card.

Cons Your bonus cash back is subject to cap. No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card. Rewards details Caret Down 1. Rewards can be transferred for extra value if you have a Chase Ultimate Rewards card.

Cons Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card. Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. Capital One Spark Cash Select for Excellent Credit Capital One Spark Cash Select for Excellent Credit.

Cons The card lacks transfer partners, limiting its redemption options. Other business cards offer higher rewards, even at a flat-rate. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.

Rating: 3. Apply now Lock on Bank of America's secure site. Pros This card does not charge an annual fee. Cons There is no intro APR offer on balance transfers.

This card charges a 3 percent foreign transaction fee. No annual fee. Choose how to redeem your cash rewards — as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. After the intro APR offer ends, a Variable APR that's currently Contactless Cards - The security of a chip card, with the convenience of a tap.

This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now. Pros Offers the one of the highest flat rates available: 2. Cons No bonus categories with boosted rates, which could help you earn rewards faster for specific purchases High annual fee cuts into reward earnings.

Earn unlimited 2. The only business credit card with 2. For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits. Pay off eligible purchases over time with interest up to assigned Flex for Business limit.

All other purchases must be paid in full each month. Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.

Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more. Member FDIC. Apply now Lock on American Express's secure site.

Pros Offers a decent intro APR on purchases You can access Expanded Buying Power, a flexible financing option for Amex business cardholders. APRs will not exceed Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing.

Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

No Annual Fee Terms Apply. American Express® Business Gold Card American Express® Business Gold Card. Rating: 5 stars out of 5. Rewards details Caret Down 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories.

Pros You get a generous return on some prime business-centric bonus categories. Cardholders get access to business expense management tools. Cons Your bonus cash back is subject to a cap.

purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required. Your Card — Your Choice. Choose from Gold or Rose Gold. Revenued Business Card Revenued Business Card. Apply now Lock on Revenued's secure site. Your Flex Line spending limit is based on your business revenue, not your credit history, so your purchasing power can grow as your business grows.

Cons Though this combo is available with less-than-perfect credit, it still carries business revenue requirements that may be hard for some small-business owners to reach. The card that cares less about your credit score and more about your business. Includes the Revenued Flex Line.

A flexible line and business card bundled in one. No application, annual, or draw fee. Terms apply. Spending limit determined by cash flow of your business and other factors. Ink Business Preferred® Credit Card Ink Business Preferred® Credit Card.

Pros The sign-up bonus is one of the largest you'll find. The Business Platinum Card® from American Express The Business Platinum Card® from American Express.

Rewards details Caret Down 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel. com 1. Pros The card touts a generous welcome offer. New benefits include bonus rewards on key business categories and an annual business-centric statement credit terms apply.

Cons The annual credits come with a number of caveats and can be tricky to maximize. The annual fee is one of the priciest on the market. com, and 1X points for each dollar you spend on eligible purchases.

Earn 1. wireless service providers. The American Express Global Lounge Collection® can provide an escape at the airport. Terms Apply. Capital One Spark Miles for Business Capital One Spark Miles for Business.

Rewards details Caret Down 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

Relative to some competitors, this card is slim on ancillary business-centric benefits. Best for United Airline benefits. Pros Earn a first-year payout with the welcome offer.

For a modest annual fee, the card comes with a nice set of airline perks not found with general-purpose business cards. Cons Offers free checked bag but only for you and one companion. Businesses who frequently fly Alaska Airlines could benefit from the packed airline-specific perks on this card.

Flyers will enjoy priority boarding, a free checked bag and earn 3 points per dollar spent on Alaska Airlines flights. If your business frequently travels but is not an Alaska Airlines loyalist, consider the Ink Business Preferred Credit Card. The card does not offer many airline-specific perks but allows you greater flexibility when it comes to bonus earning and redemption options.

It accrues 4 points per dollar spent on Southwest purchases; 3 points per dollar spent on Rapid Rewards hotel and car rental partner purchases; 2 points per dollar spent on social media and search engine advertising, internet, cable, phone services, local transit and commuting; and 1 point per dollar spent on other eligible purchases.

I get the most value out of this card by taking advantage of the upgraded boardings, inflight Wi-Fi credits and 9, anniversary bonus points, which help offset the significant annual fee.

If you only fly Southwest a handful of times per year or want a lower annual fee, you should consider the Southwest Rapid Rewards Premier Business Credit Card instead. The United Business Card is an affordable option for business travelers who tend to fly with United and its partners.

Plus, you can spend your way toward United elite status and gain access to expanded award availability when it comes time to redeem those MileagePlus miles.

The most important step to maximizing credit cards for your small business is choosing the right one or ones. Many small business owners want cash back that they can reinvest in their operations, but some might consider a card that earns points or miles toward travel.

Knowing what type of rewards you want is critical to picking the best business credit card. In addition, the right business card should help you earn bonus rewards on spending that you are already doing. Figure out where your small business spends the most — be it on travel, shipping or office supplies — and then look for a card that offers the highest return on those purchases.

You can maximize your business credit cards by charging all business purchases to your credit card. This is a great way to keep your business expenses separate from personal expenses as well as maximize the return on your spending. The right credit card for your business will likely offer even higher returns.

By putting all of your expenses on a business credit card, you will earn more rewards! Finally, be sure to pay off your balance in full every month to avoid interest and fees that could cancel out any rewards you earn. Luckily, many business cards offer various bonus categories.

Many travelers are familiar with personal credit cards, but business credit cards are an entirely different segment of the market.

These products are generally geared toward those who run small businesses, and as such, they frequently include perks that are valuable to a businessowner — including features like no preset spending limit, bonus rewards on shipping or technology purchases, and even statement credits toward software purchases.

Many freelancers or sole proprietors can use a business card to separate business-related expenses from their personal ones. But what next? It can be strange to switch up spending habits, but try to switch to using your business credit card as your go-to option rather than cash, debit, bank transfers or other payment methods.

The sign-up bonus is one of the most, if not the most, lucrative ways of earning lots of points or air miles and for the least amount of effort. Sign-up bonuses are usually in the form of spending a certain amount of money in a certain amount of time. Some credit card fees and interest are deductible from your tax returns as business expenses.

If you own a small business or just do freelance gigs , you could be eligible for a business credit card. When filling out an application form for a business credit card, there are some extra pieces of information required in addition to what you might provide for a personal credit card application.

When you start your application, you might not be sure what name to put on a business card application. There are two numbers you could use for this, depending on how your business is set up. You can easily get an EIN on the IRS website. This is the part where you enter how much money your business makes and how much your outgoings were to run your business.

In most cases, your small business credit card would be guaranteed by you personally and not the business itself. Check out the following guides to applying for small-business cards for issuer-specific strategies:. Related: 5 ways you might be eligible for a business credit card without realizing it.

Business credit is similar to your personal credit in that it allows potential creditors to judge what kind of credit risk your business poses. Having business credit helps keep your business and personal finances from affecting each other in the long run.

An important thing to remember when considering both business and personal credit is that making payments on time is crucial to avoid damaging your credit score. Credit reporting bureaus are companies that generate both business and personal credit scores.

For personal credit, the main bureaus are Equifax, Experian and TransUnion. Credit scoring systems differ for business and personal credit. Getting access to your personal credit score is relatively easy.

Federal law entitles you to a copy of your credit report once every 12 months from each of the main three bureaus, for free. Business and personal credit cards have similar functionalities.

Many card issuers allow for personal referrals for business cards. However, business credit cards are geared toward small businesses, and depending on the issuer or specific card product , you may need to produce formal documentation in order to be approved.

In addition, business cards typically include bonus categories or benefits that may hold less appeal to the general consumer. This can include bonus rewards on shipping purchases, statement credits for business-related service providers or embedded technology to help with accounting.

If your company travels internationally often, you would want a business credit card with no foreign transaction fee. If your small business spends a bunch of money on client dinners, then a business card with a dining bonus could be the best fit.

You can then use the card to make purchases, but you need to pay off the loan according to the terms. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.

Instead of worrying about this question, though, focus your energy on paying your balance in full and on time each month. This will ensure that any business cards reported to a credit bureau will only impact your score in a positive way. You certainly can , though each issuer reserves the right to review your application and determine whether you qualify for a business line of credit.

In many instances, you can use your Social Security number as a sole proprietor and get approved for a card. Even if you have no business credit history, an issuer will look at your personal credit score and history to determine your eligibility.

It is possible to refer someone to a business card even if you only have personal cards. Every issuer has their own policy regarding rewarding referrals so you will have to check with your specific card issuer to see if you are eligible for a referral bonus.

Check out our in-depth guide on earning referral bonuses on both personal and business credit cards. Having a business credit card is important for both small businesses and larger corporations.

The primary difference between a small business card and a corporate business card is who is liable for the debt and fees.

Small businesses hold the primary cardholder liable, while corporate cards hold the company liable. Alternatively, the primary cardholder earns the rewards for small business cards, and the company generally keeps the rewards for corporate cards. Skip to content.

Advertiser disclosure. Credit Cards. By Nick Ewen. Nick Ewen Director of Content. Nick Ewen is a director of content and helps readers leverage credit cards he has 23 of them and loyalty programs to travel more for less.

He's been at TPG for over 11 years. and Christina Ly. Christina Ly Credit Cards Writer. Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in Edited by Eric Rosen.

Eric Rosen Director of Travel Content. TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.

Reviewed by Stanley Sanford. Stanley Sanford Senior Compliance Associate. Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to He's reviewed content for several reputable sites, including CreditCards. com, Bankrate, CNET.

and even thepointsguy. com before leading the compliance team for The Points Guy full time in early Updated Nov. With our comprehensive guide, you can explore the best cards for your business today.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Capital One Venture X Business : Best for businesses with high-spending. Ink Business Preferred® Credit Card : Best for bonus earning. American Express® Business Gold Card : Best for flexible rewards earning. Capital One Spark Cash Plus : Best for unlimited business cash back.

The Business Platinum Card® from American Express : Best for travel perks. Ink Business Unlimited® Credit Card : Best for freelancers. The Blue Business® Plus Credit Card from American Express : Best for no annual fee. Delta SkyMiles® Platinum Business American Express Card : Best for mid-tier business owners who fly Delta.

Capital One Spark Miles for Business : Best for everyday business spending. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card : Best for BofA Preferred Rewards for Business members. Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Best for customizable business cash back.

Ink Business Cash® Credit Card : Best for office supplies. Alaska Airlines Visa® Business card : Best for businesses that fly Alaska Air regularly.

Southwest® Rapid Rewards® Performance Business Credit Card : Best for frequent Southwest Airlines flyers. Browse by card categories Startups. Business Cash-Back.

Business Secured. Business Gas. Limited Time Offer. Best for businesses with high-spending. Capital One Venture X Business. Compare this card.

Apply now. at Capital One's secure site. Rewards rate 2X miles 2 miles on every purchase 5X miles 5 miles on flights booked through Capital One Travel 10X miles 10 miles on hotels and rental cars booked through Capital One Travel.

Annual Fee. Regular APR. Recommended Credit Open Credit score description Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. VIEW MORE. Pros The Capital One Venture X business card offers the potential to earn a welcome offer of up to , miles.

Business owners are also able to add employee cards for free. Another drawback is that the annual travel credit can only be used on bookings made through Capital One Travel. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.

Lower Spend Threshold. Best for bonus earning. Ink Business Preferred® Credit Card. at Chase's secure site. Access to the Chase Ultimate Rewards portal for points redemption. Bonus categories that are most relevant to business owners; primary car insurance. Cons Yearly cap on bonus categories.

No travel perks. Member FDIC. Best for flexible rewards earning. American Express® Business Gold Card. at American Express's secure site. Rewards rate 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories.

com using your Business Gold Card. Why We Chose It The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most.

There may be better options for small businesses who don't spend a lot. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required. Your Card — Your Choice. Choose from Gold or Rose Gold. Best for unlimited business cash back.

Capital One Spark Cash Plus. Best for travel perks. The Business Platinum Card® from American Express. Rewards rate 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.

com 1. Why We Chose It The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. Limited high bonus categories outside of travel. com, and 1X points for each dollar you spend on eligible purchases.

Earn 1. wireless service providers. The American Express Global Lounge Collection® can provide an escape at the airport. Terms Apply. Ink Business Unlimited® Credit Card. Rewards rate 1.

No Annual Fee. Primary insurance for car rentals. Cons No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.

Higher spend to receive sign-up bonus. No travel protections. Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. Best for no annual fee. The Blue Business® Plus Credit Card from American Express.

Why We Chose It The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. Pros No annual fee. Earn Membership Rewards points; transfer points to 22 travel partners.

APR will not exceed It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. No Annual Fee Terms Apply.

Best for mid-tier business owners who fly Delta. Delta SkyMiles® Platinum Business American Express Card.

Terms and miles cap apply. Why We Chose It The Delta SkyMiles Platinum Business American Express Card is worthy of consideration if you fly Delta frequently and value perks such as priority boarding, and a free checked bag. Pros Earns 3 miles on every dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels; 1.

Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. Baggage charges and other restrictions apply.

See terms and conditions for details. com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. rideshare purchases with select providers. Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.

Ticket must be purchased on or after February 1, to be eligible to receive a complimentary upgrade. Get your first checked bag free along with Main Cabin 1 Priority Boarding for you and up to 8 traveling companions booked under the same reservation on your next Delta flight.

The reservation needs to include your SkyMiles number. Limitations apply. For example, oversized and overweight bags are not eligible.

Receive a fee credit for TSA PreCheck® or Global Entry which includes TSA PreCheck by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge. Terms and limitations apply. Best for everyday business spending.

Capital One Spark Miles for Business. Rewards rate 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

Why We Chose It The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Employee cards are free and also earn 2 miles per dollar on all spending. Best for BofA Preferred Rewards for Business members. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.

at Bank of America's secure site. Why We Chose It The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1. Unlimited 1. Bank of America Preferred Rewards for Business members could have access to even more earning potential. Redemption options are limited to cash back rewards.

Earn unlimited 1. No annual fee. Choose how to redeem your cash rewards — as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. After the intro APR offer ends, a Variable APR that's currently Contactless Cards - The security of a chip card, with the convenience of a tap.

This offer may not be available if you leave this page or visit our website.

Q1: Gas Consolidation loan requirements, car rentals. Written actegories Rebecca Lake Rewardd Right Business credit card reward categories Finance Writer. Crwdit In using the app. Q2 April 1-June Employees can usually be added to your business credit card account as authorized users or account managers for free. It comes with a terrific set of perks at a relatively low cost. BUSINESS CREDIT CARDS

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