Finding The Best Business Rewards Credit Card: Your 6 Best Options

We like that cash-back credit cards tend to be less complicated than cards with points reward structures. The Chase Ink Business Cash card offers remarkable cash back earning rates for several common business expense categories. Combine that with a generous welcome bonus and a 0% intro APR for 12 months, and you’ve got quite an attractive business rewards card.

If you’re looking for a straightforward cash back business credit card and you don’t need a rewards program focused on travel perks, consider the Chase Ink Business Cash card.

• 5% cash back on your first $25K/year in combined purchases at office supply stores, on internet, cable and phone services, and, through March 2025, on Lyft rides
• 2% cash back on your first $25K/year in combined purchases at gas stations and restaurants
• Unlimited 1% cash back on all other purchases
• $750 in cash back when you spend $6,000+ on purchases in your first 3 months
• Redeem your rewards for cash back, gift cards, travel, and more

If you intend to do significant spending on your new business credit card immediately upon getting it, a card that handsomely rewards early spending with a big welcome bonus makes a lot of sense. Enter the Chase Ink Business Preferred card.

If you spend $8,000+ with your Ink Business Preferred card within 3 months of opening your account, you’ll get a whopping 100,000 point bonus. While this bonus is worth $1,000 when redeemed for cash back, its worth increases to $1,250 if you redeem your points for travel through Chase Ultimate Rewards. All points earned with this card will be worth 25% more when redeemed for travel in this manner.

• 3X points on your first $150,000/year in combined purchases on travel, shipping purchases, internet/cable/phone services, and advertising purchases made with social media sites and search engines
• 5X points on Lyft rides through March 2025
• Unlimited 1X points on all other purchases
• 100,000 bonus points after you spend $8,000 on purchases in your first 3 months
• Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards
• Transfer your points at full 1:1 value to 13 airline and hotel travel partner programs

The Capital One Spark Miles card is an excellent choice for businesses with significant travel needs. Not only will you be earning 2X miles with every business purchase — you’ll be earning 5X miles on all hotels and rental cars booked through Capital One Travel. Large businesses won’t have to worry about hitting any spending limits on earning bonus miles, as these rates are unlimited.

Add in a nice welcome bonus and a travel credit for Global Entry or TSA PreCheck, and you have an excellent business credit card for travel. Just be aware of the card’s high APR if you intend to carry a balance month-to-month.

• Unlimited 2X miles on every purchase
• Unlimited 5X miles on hotel and rental car bookings made through Capital One’s travel portal
• 50,000 bonus miles after you spend $4,500 on purchases in your first 3 months
• $100 travel credit for Global Entry or TSA PreCheck fees
• Transfer your miles to one of 15+ travel partner programs

While plenty of credit cards offer high cash-back rates on certain expense categories, very few business credit cards offer a cash back rate of 2% on all your purchases. The Capital One Spark 2% Cash Plus card does exactly this — and it doesn’t cap the amount of yearly spending that will earn you cash back at this rate, either. For this reason, the Spark Cash Plus card is our favorite flat-rate cash back business credit card. If your business spending is both prolific and not concentrated on any one category (like travel or office supplies), this card’s rewards program will suit you well.

However, there is one spending category in which you can earn even more cash back: travel. Like Capital One’s Spark Miles business card, hotels and rental cars booked through Capital One’s travel portal will earn you 5% cash back. There’s no cap on the spending that earns you cash back at this rate, either. Throw in the huge welcome bonus that awaits big-spending businesses, and you have quite a value proposition for businesses intending to use their credit card heavily.

One caveat: the Spark Cash Plus card is a charge card, so you must pay off your balance in full each month.

• Unlimited 2% cash back on all purchases
• Unlimited 5% cash back on all hotel and rental car purchases made via Capital One’s travel portal
• $1,200 in cash back after you spend $30,000 in your first 3 months
• The $150 annual fee will be refunded to you if you spend over $150,000 a year

The Amex Blue Business Plus card is an ideal business credit card for those who want to earn rewards at a healthy clip without being subject to an annual fee. You’ll earn 2X points for your first $50K/year in spending across all spending categories and 1X points thereafter. You’ll also get a 12-month introductory 0% APR period.

Put it all together, and you have a great rewards card for most businesses. You’ll likely save more with a more lucrative rewards card with an annual fee if your annual credit card spend reaches six figures, however.

• 2X points on your first $50K/year in business purchases
• 1X points on all further spending

With a hefty annual fee of $695, the Amex Business Platinum card isn’t the most practical travel credit card for most small business owners. But if you’re looking for a rewards program offering unparalleled premium travel benefits, the Business Platinum card can’t be beaten.

The 5X points you’ll earn on flights and prepaid hotels booked through Amex Travel is just the start of what you’ll get. This card’s biggest draw is that it grants you complimentary access to the American Express Global Lounge Collection. Encompassing 1,400+ airport lounges across 140 countries, these exclusive lounges can actually make the airport experience pleasant. Imagine that!

As you’ll see in the next section, that’s not the end of the Business Platinum’s travel benefits.

• 5X points on flights and prepaid hotels booked through Amex Travel
• 1.5X points on certain business purchase categories and on all purchases above $5,000
• 1X points on everything else
• Get 120,000 bonus points after spending $15,000 in your first 3 months
• Access to 1,400+ airport lounges in 140 countries through the Amex Global Lounge Collection
• $200 airline fee credit annually
• $189 CLEAR membership credit
• Get 35% of your points back when you use them to book travel through Amex Travel