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Best Business Rewards Credit Cards

Business credit cards offer a range of rewards and cash back opportunities, including bonus points for travel, equipment, office supplies, and more. Find the best business rewards credit card with this guide.

    Jason Vissers
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

The best business rewards credit card is the one that meets your unique business goals. Whether you want to earn as much cash back as possible, enjoy premium air travel perks, get hotel benefits, or one that specifically targets office supply purchases for extra rewards-earning, you should be able to find the card that gives you what you want, given the numerous choices available. We want to help you know what’s out there.

This breakdown of the best rewards business credit cards focuses on the particular types of rewards programs offered by business credit card issuers. Read on to see your top options.

And for a more general look at the business credit card landscape, check out the best business credit cards overall.

Learn More About Our Top Picks

CompanyBest ForNext StepsBest For
Chase Ink Business Cash

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  • 5% cash back on $25K/year in purchases at office supply stores, on internet/cable/phone services, and Lyft rides
  • 2% cash back on $25K/year in purchases at gas stations and restaurants
  • $750 in cash back when you spend $6,000+ on purchases in your first 3 months
  • 5% cash back on $25K/year in purchases at office supply stores, on internet/cable/phone services, and Lyft rides
  • 2% cash back on $25K/year in purchases at gas stations and restaurants
  • $750 in cash back when you spend $6,000+ on purchases in your first 3 months

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Chase Ink Business Preferred

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  • 3X points on $150,000/year in spending on travel, shipping, internet/cable/phone services, and online advertising
  • 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
  • 3X points on $150,000/year in spending on travel, shipping, internet/cable/phone services, and online advertising
  • 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

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Spark® Miles from Capital One®

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  • 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
  • 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

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Capital One Spark Cash Plus

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  • 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
  • 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

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Blue Business Plus Credit Card from American Express

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  • 2X points on your first $50K/year in business purchases
  • 1X points on all further spending
  • No annual fee
  • 2X points on your first $50K/year in business purchases
  • 1X points on all further spending
  • No annual fee

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American Express Business Platinum

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  • 5X points on flights and prepaid hotels booked through Amex Travel
  • Access to 1,400+ airport lounges in 140 countries through the Amex Global Lounge Collection
  • 120,000 bonus points after spending $15,000 in your first 3 months
  • 5X points on flights and prepaid hotels booked through Amex Travel
  • Access to 1,400+ airport lounges in 140 countries through the Amex Global Lounge Collection
  • 120,000 bonus points after spending $15,000 in your first 3 months

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Table of Contents

The 6 Best Business Rewards Credit Cards

Whether you’re looking for the best cash-back rate, the best travel rewards, or the best rewards card with no annual fee, the best business rewards credit card for your business provide the kind of spending rewards that suit your business needs and help you save money.

Chase Ink Business Cash: Best Business Rewards Credit Card For Cash Back

Chase Ink Business Cash

Total Rating 4.7
Rewards & Perks5.0

Rates & Fees4.8

Features5.0

Eligibility Requirements2.4

Customer Service4.0

User Reviews3.7

Annual Fee

$0

Minimum Recommended Credit

Good

Rewards Rate

5%, 2%, or 1% cash back

Pros

  • 5% cash back on common business expense categories
  • $750 cash back welcome bonus
  • No annual fee
  • 0% APR on purchases for 12 months

Cons

  • Top cash back categories limited to $25K/year in purchases
  • APR jumps to a high variable rate after the first year

Why We Chose Chase Ink Business Cash As The Best Business Credit Card For Cash Back

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.

Chase Ink Business Cash Rewards

  • 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

Chase Ink Business Cash Rates & Fees

  • Annual fee: None
  • APR (as of July 2023): 0% for 12 months, 18.24%–24.24% variable APR thereafter
  • Foreign transaction fee: 3%
  • Late payment fee: $40

  • Chase Ink Business Cash Eligibility Requirements

  • Credit required: Good to excellent

  • Get Started With Chase Ink Business Cash

    Read our in-depth review

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    Chase Ink Business Preferred: Best Business Rewards Credit Card For Welcome Bonuses

    Chase Ink Business Preferred

    Total Rating 4.1
    Rewards & Perks4.5

    Rates & Fees3.4

    Features5.0

    Eligibility Requirements2.4

    Customer Service4.5

    User Reviews3.7

    Annual Fee

    $95

    Minimum Recommended Credit

    Good

    Rewards Rate

    3 or 1 point per dollar spent

    Pros

    • Welcome bonus worth $1,250 when redeemed for travel
    • 3X points on several purchase categories
    • All points worth 25% more when redeemed for travel
    • Free employee cards

    Cons

    • $95 annual fee
    • Relatively high ongoing APR

    Why We Chose Chase Ink Business Preferred As The Best Business Credit Card For Welcome Bonuses

    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.

    Chase Ink Business Preferred Rewards

    • 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

    Chase Ink Business Preferred Rates & Fees

  • Annual fee: $95
  • APR (as of July 2023): 20.99%–25.99%, variable
  • Foreign transaction fee: None
  • Late payment fee: $40

  • Chase Ink Business Preferred Eligibility Requirements

  • Credit required: Good to excellent

  • Get Started With Chase Ink Business Preferred

    Read our in-depth review

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    Capital One Spark Miles: Best Business Rewards Credit Card For Travel

    Spark® Miles from Capital One®

    Total Rating 4.1
    Rewards & Perks5.0

    Rates & Fees2.8

    Features5.0

    Eligibility Requirements2.6

    Customer Service3.5

    User Reviews3.7

    Annual Fee

    $95 ($0 the first year)

    Minimum Recommended Credit

    Excellent

    Rewards Rate

    Unlimited 2 miles per $1 spent

    Pros

    • Unlimited 5X miles on travel purchases made through Capital One’s travel portal
    • 2X miles on all other purchases
    • Welcome bonus of 50,000 miles
    • Fee credit for Global Entry or TSA PreCheck

    Cons

    • High ongoing APR
    • $95 annual fee after the first year

    Why We Chose Capital One Spark Miles As The Best Business Credit Card For Travel Rewards

    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.

    Capital One Spark Miles Rewards

    • 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

    Capital One Spark Miles Rates & Fees

  • Annual fee: $0 the first year, $95 thereafter
  • APR (as of July 2023): 25.99% variable
  • Foreign transaction fee: None
  • Late payment fee: Up to $39

  • Capital One Spark Miles Eligibility Requirements

  • Credit required: Excellent

  • Get Started With Spark® Miles from Capital One®

    Read our in-depth review

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    Capital One Spark Cash Plus: Best Flat-Rate Cash Back Business Credit Card

    Capital One Spark Cash Plus


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    Annual Fee

    $150

    Minimum Recommended Credit

    Excellent

    Rewards Rate

    Unlimited 2% cash back on all purchases

    Pros

    • 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 cash bonus after you spend $30,000 in your first 3 months
    • Your annual fee will be waived if you spend over $150,000 on the card that year

    Cons

    • $150 annual fee
    • Requires excellent credit

    Why We Chose Capital One Spark Cash Plus As The Best Business Credit Card For Flat-Rate Cash Back Rewards

    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.

    Capital One Spark Cash Plus Rewards

    • 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

    Capital One Spark Cash Plus Rates & Fees

  • Annual fee: $150 (this fee will be waived each year you spend over $150K on the card)
  • APR: N/A (this is a charge card)
  • Foreign transaction fee: None
  • Late payment fee: 2.99% of the unpaid portion of your balance

  • Capital One Spark Cash Plus Eligibility Requirements

  • Credit required: Excellent

  • Get Started With Capital One Spark Cash Plus

    Read our in-depth review

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    American Express Blue Business Plus: Best Business Rewards Credit Card With No Annual Fee

    Blue Business Plus Credit Card from American Express

    Total Rating 4.7
    Rewards & Perks5.0

    Rates & Fees4.9

    Features4.7

    Eligibility Requirements2.4

    Customer Service4.0

    User Reviews3.8

    Annual Fee

    $0

    Minimum Recommended Credit

    Good

    Rewards Rate

    2 or 1 point per dollar spent

    Pros

    • 2X points on your first $50K/year in spending
    • No annual fee
    • 0% intro APR for 12 months

    Cons

    • No specific travel rewards
    • 2X rewards are limited to your first $50K/year in spending

    Why We Chose American Express Blue Business Plus As The Best Business Credit Card With No Annual Fee

    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.

    Amex Blue Business Plus Rewards

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

    Amex Blue Business Plus Rates & Fees

  • Annual fee: None
  • APR (as of July 2023): 0% for 12 months, 18.24%–26.24% variable APR thereafter
  • Foreign transaction fee: 2.7%
  • Late payment fee: Up to $39

  • Amex Blue Business Plus Eligibility Requirements

  • Credit required: Good to excellent

  • Get Started With Blue Business Plus Credit Card from American Express

    Read our in-depth review

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    American Express Business Platinum: Best Business Rewards Credit Card For Luxury Travel Benefits

    American Express Business Platinum


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    Annual Fee

    $695

    Minimum Recommended Credit

    Good

    Rewards Rate

    5, 1.5, or 1 point per $1 spent

    Pros

    • 5X points on flights and prepaid hotels booked through Amex Travel
    • Complimentary Global Lounge Collection access
    • 120,000 bonus points when you spend $15,000 in your first three months
    • $200/year airline fee credit

    Cons

    • $695 annual fee
    • Complex points-earning structure

    Why We Chose American Express Business Platinum As The Best Business Credit Card For Luxury Travel Benefits

    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.

    Amex Business Platinum Rewards

    • 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

    Amex Business Platinum Rates And Fees

  • Annual fee: $695
  • APR (as of July 2023): 19.24%–27.24% variable
  • Foreign transaction fee: None
  • Late payment fee: $39 or 2.99% of any past due amount — whichever is greater

  • Amex Business Platinum Eligibility Requirements

  • Credit required: Good to excellent

  • Get Started With American Express Business Platinum

    Jump back to comparison chart

    Credit Card Review Methodology

    Merchant Maverick has been researching and reviewing credit cards and credit card providers since 2018. Our writers have tested dozens of cards, evaluating rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. Read more about how we rate credit cards.

    When comparing different cards, we consider many data points, including the relative cost of standard or extra fees, the range and value of benefits and perks offered, APR, availability, and credit score requirements. Our lists of the best cards include only those we’ve deemed worthwhile from multiple vantage points, and share qualities such as widespread accessibility, low APR, flexible rewards, and additional perks like employee cards.

    We spend an average of 10-15 hours researching and updating each one of our lists, making sure the credit cards included meet our internal standards for quality and reputation.

    The Bottom Line Regarding Business Credit Card Rewards

    When looking for a business rewards credit card, people tend to focus, understandably, on the rewards offered. However, your rewards redemption options are also important, as they can determine how far your rewards will go. In many cases, a card will have multiple redemption options, with some options valuing your points more highly than others. Understand how your credit card rewards redemption options work before you spend all your points on the option that least values your points.

    Another thing to consider: Carrying a large monthly balance can quickly cost you more in interest than you’ll earn in rewards for your purchases. As with consumer credit cards, try to prioritize paying off your card each month. That way, you can treat your cash back or rewards points as bonus cash, not as a way to partially offset your interest payments.

    Note that if your credit isn’t at least considered “good,” the business credit cards available to you will likely have lackluster rewards programs, if indeed they offer any rewards at all. Just know that responsibly using the best business credit cards for bad credit can boost your credit score and, in time, qualify you for a business credit card with a better rewards program.

    Our guide to business credit card rewards is a valuable resource if you want a thorough explainer of the various types of credit card rewards programs.

    FAQs: Business Credit Card Rewards

    Is my personal credit score checked when I apply for a business credit card?

    Yes. Almost all issuers check with consumer credit bureaus when you apply for a business credit card.

    How can I build my business credit fast?

    Unfortunately, it’s difficult to build credit fast. As long as you pay off your debts and keep your accounts from running delinquent, your credit score should rise. Our guide to building business credit contains more info.

    Do I lose rewards on returned credit card purchases?

    In most cases, you will lose your rewards on returned purchases. However, you may be able to keep rewards points if you accept in-store credit for the returned item.

    Will I lose rewards points if I pay my credit card balance early?

    In most situations, you earn your points based on when you bought an item or service. It doesn’t matter when you pay your balance; you should still earn your reward points when paying the balance early.

    How do I redeem my credit card rewards?

    It depends on the rewards program. Some allow you to request cash back via statement credit or check. Others offer points you can redeem for gift cards, physical items, flights, car rentals, or hotel rooms.

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    Jason Vissers

    Jason Vissers

    Senior Staff Writer at Merchant Maverick
    Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
    Jason Vissers
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