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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, or office supplies. Find the best business rewards credit card in our guide.

    Chelsea Krause
  • Last updated onUpdated

  • Erica Seppala
  • REVIEWED BY

    Erica Seppala

    Editor & Senior Staff Writer

Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.

Whether you want to earn as much cash back as possible, enjoy premium air travel perks, get hotel benefits, or target unique spending categories like office supplies, you need a business credit card with rewards that work for you.

We’ve compiled a list of the best business rewards credit cards with rewards options to fit multiple business spending habits and rewards redemption options. Several of the overall best business credit cards make it on our list of the best rewards credit cards as well, so you can be confident in making a good credit card decision for your business.

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Chase Ink Business Cash

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  • $0/month
  • 1%-5% cashback
  • Up to $750 welcome offer + 0% APR for 12 months
  • $0/month
  • 1%-5% cashback
  • Up to $750 welcome offer + 0% APR for 12 months

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Chase Ink Business Preferred

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  • $95/year ($0 for the first year)
  • 2x-5x cash back rewards
  • Up to 50,000 welcome bonus points
  • $95/year ($0 for the first year)
  • 2x-5x cash back rewards
  • Up to 50,000 welcome bonus points

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Spark® Miles from Capital One®

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  • $0 first year, $95/year after
  • 2x miles rewards
  • Up to 50,000 welcome bonus points
  • $0 first year, $95/year after
  • 2x miles rewards
  • Up to 50,000 welcome bonus points

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Capital One Spark Cash Plus

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  • $150/year (waivable)
  • 2%-5% cashback
  • Up to $1,200 cash back welcome bonus
  • $150/year (waivable)
  • 2%-5% cashback
  • Up to $1,200 cash back welcome bonus

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Blue Business Plus Credit Card from American Express

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  • $0/year
  • 1x-2x rewards points
  • Up to 30,000 bonus points + 0% APR for 12 months
  • $0/year
  • 1x-2x rewards points
  • Up to 30,000 bonus points + 0% APR for 12 months

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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 provides the kind of spending rewards that suit your business needs and help you save money.

Chase Ink Business Cash: Overall Best Business Rewards Credit Card

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 Overall Best Business Rewards Credit Card

Chase Ink Business Cash makes the list as the overall best business rewards credit card because of its large selection of rewards. Whether you're looking for competitive cash-back rates, a generous welcome offer, or a 0% intro APR window, Chase Ink Business Cash has them all. There are also additional unique perks like a 10% bonus if you pair your Chase credit card with a Chase business bank account. We also like that this cash-back credit card tends to be less complicated than cards with points reward structures, has multiple reward redemption options, and that rewards don't expire.

Chase Ink Business Cash Rewards

Chase Ink Business Cash offers competitive rewards, including the following cash-back rewards rates:

  • 5% cash back on your first $25K/year on purchases at office supply stores, Lyft rides, and select business utilities
  • 2% cash back on your first $25K/year on purchases at gas stations and restaurants
  • Unlimited 1% cash back on all other purchases

Chase Ink Business Cash’s current welcome bonus includes $350 when you spend $3,000 in the first three months, with an extra $400 available when you spend $6,000 in the first six months.

There’s also a 10% one-year anniversary bonus if you pair your Chase Ink Business Cash card with a Chase Business Checking account.

You can redeem your rewards for cash back, gift cards, travel, and more. Your rewards also don’t expire, which is a huge perk.

Chase Ink Business Cash Rates & Fees

Between no annual fee and a 0% intro APR, Chase Ink Business Cash offers competitive fees overall (unless your business needs has many foreign transactions).

  • Annual Fee: $0
  • APR: 0% for 12 months, then 18.49%–24.49% variable
  • Foreign Transaction Fee: 3%
  • Late Payment Fee: $40

When To Choose Chase Ink Business Cash

  • You want a mix of credit card rewards including flat-rate cash-back, a welcome bonus, and 0% APR
  • You have an existing Chase business banking account and want to capitalize on credit card rewards
  • You plan on transferring balances or making a large purchase and want 0% APR for 12 months
  • You aren’t looking for significant travel rewards
  • You don’t have very many foreign transactions

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(s) 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 Rewards Credit Card For Welcome Bonuses

When it comes to welcome bonuses, Chase Ink Business preferred offers one of the largest welcome bonuses in the business credit card space. If you intend to do significant spending on your new business credit card immediately upon getting it, the Chase Ink Business Preferred card rewards is worth looking into. If you spend $8,000+ with your Ink Business Preferred card within 3 months of opening your account, you'll get a whopping 120,000 point bonus. While this bonus is worth $1,200 when redeemed for cash back or $1,500 when redeemed for travel.

Chase Ink Business Preferred Rewards

Here are Chase Business Ink Preferred’s cash-back rates:

  • 5X points on Lyft rides
  • 3X points on your first $150,000/year in purchases on travel, shipping, certain utility services, and some advertising purchases
  • Unlimited 1X points on all other purchases

There’s a 120,000 bonus point welcome bonus after you spend $8,000 on purchases in your first 3 months. You can transfer your points at full 1:1 value to 13 airline and hotel travel partner programs. Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.

Another big plus of Chase Ink Business Preferred is that your rewards don’t expire so long as your account remains open.

Chase Ink Business Preferred Rates & Fees

  • Annual fee: $95
  • APR: 21.24%–26.24%, variable
  • Foreign transaction fee: None
  • Late payment fee: $40

When To Choose Chase Ink Business Preferred

  • If a generous welcome bonus is important to you
  • If you plan on having large spending in the first few months of your card to maximize your rewards
  • You want to generous cash-back of a Chase Ink Business card with no foreign transaction fee (unlike Chase Ink Business Cash)

Get Started With Chase Ink Business Preferred

Read our in-depth review

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Spark® Miles from Capital One®: 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



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 2x Miles As The Best Business Rewards Credit Card For Travel

The Capital One Spark 2x 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, no foreign transaction fees, and a travel credit for Global Entry or TSA PreCheck, and you have an excellent business credit card for maximizing travel benefits.

Capital One Spark 2x Miles Rewards

If you’re looking to earn reward miles instead of cashback, the Capital One Spark 2x Miles credit card has you covered with the following mileage-earning rates:

  • Unlimited 2X miles on every purchase
  • Unlimited 5X miles on hotel and rental car bookings made through Capital One’s travel portal

As a welcome bonus, you can earn 50,000 bonus miles after you spend $4,500 on purchases in your first 3 months. You can transfer your miles to one of 15+ travel partner programs for a good selection of redemption options.

Other perks include a $100 travel credit for Global Entry or TSA PreCheck fees.

Capital One Spark 2x Miles Rates & Fees

While we appreciate that Capital One Spark waives the first year of annual fees and has no foreign transaction fees (a must for a travel-focused card), the APR is quite high. Make sure you take this into account if you plan on carrying a monthly balance.

  • Annual fee: $0 the first year, $95 after
  • APR: 26.24% variable
  • Foreign transaction fee: None
  • Late payment fee: Up to $39

When To Choose Capital One Spark 2x Miles

  • You want to earn travel rewards
  • You want a business credit card with no spending limits
  • You need a card with no foreign transaction fees
  • You don’t plan on carrying a monthly balance often as the APR is quite high

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

Total Rating 3.9
Rewards & Perks4.0

Rates & Fees4.2

Features4.2

Eligibility Requirements2.6

Customer Service3.5

User Reviews2.5



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 2% Cash Plus As The Best Flat-Rate Cash Back Business Credit Card

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. Throw in the huge welcome bonus and higher cash-back rates for travel and you have quite a value proposition for businesses intending to use their credit card heavily.

Capital One Spark 2% Cash Plus Rewards

Capital One Spark 2% Cash Plus offers the following cash-back 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

Capital One Spark 2% Cash Plus has a welcome offer of $1,200 in cash back after you spend $30,000 in your first 3 months.

Capital One Spark 2% Cash Plus Rates & Fees

  • Annual Fee: $150 (this fee will be waived each year you spend over $150K on the card)
  • APR: N/A*
  • Foreign Transaction Fee: None
  • Late Payment Fee: 2.99% of the unpaid portion of your balance

Capital One Spark 2% Cash Plus is a charge card. There’s no APR because the card must be paid in full each month.

When To Choose Capital One Spark 2% Cash Plus

  • You want an unlimited flat 2% cash-back rate
  • You prefer a charge card structure and don’t need to carry a monthly balance
  • You want a card with no foreign transaction fees
  • You plan on spending over $30k in the first three months and want to capitalize on the generous welcome bonus

Get Started With Capital One Spark Cash Plus

Read our in-depth review

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Blue Business Plus Credit Card from American Express: 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



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 Rewards 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 and a decent welcome bonus. This combination of perks is impressive for no annual fee and is definitely worth considering for small businesses.

American Express Blue Business Plus Rewards

Amex Blue Business Plus offers the following rewards rates:

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

American Express Blue Business Plus card has a 30,000 bonus points welcome offer if you spend $6,000 in the first 3 months. This equates to a $300 statement credit.

There’s also a 0% intro APR for the first 12 months.

American Express Blue Business Plus Rates & Fees

  • Annual fee: $0
  • APR: 0% for 12 months, 18.49%–26.49% variable APR after
  • Foreign transaction fee: 2.7%
  • Late payment fee: Up to $39

When To Choose American Express Blue Business Plus

  • You want no annual fee
  • You want an intro APR of 0% for 12 months
  • You don’t plan on doing a large amount of spending (more lucrative rewards and lower spending caps exists with other cards)

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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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 Rewards Credit Card For Luxury Travel Benefits

With a hefty annual fee of $695, the American Express 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 is hard to beat. The Amex Business Platinum card offers 5X points on flights and prepaid hotels booked through Amex Travel, 1x points on everything else,  access to the American Express Global Lounge Collection with access to 1,400+ airport lounges across 140 countries, and more. These perks can definitely make it worth the cost for businesses that do a significant amount of travel.

American Express Business Platinum Rewards

American Express Business Platinum offers the following cash-back 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

You can get 200,000 bonus points if you spend $20,000 in your first 3 months.

Other Amex Business Platinum perks include:

  • Access to 1,400+ airport lounges in 140 countries through the Amex Global Lounge Collection
  • $200 airline fee credit annually
  • Get 35% of your points back when you use them to book travel through Amex Travel

You’ll also find partner discounts with companies like Dell, Indeed, Adobe, and more.

American Express Business Platinum Rates & Fees

  • Annual fee: $695
  • APR: 19.49%–28.29% variable
  • Foreign transaction fee: None
  • Late payment fee: $39 or 2.99% of the past due amount — whichever is greater

When To Choose American Express Business Platinum

  • If you do a large amount of business travel
  • You want luxury travel rewards
  • You plan on spending enough to offset the large annual fee

Get Started With American Express Business Platinum

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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.

Weighted Rating Breakdown

Rewards & Perks 40%
Rates & Fees 30%
Features 15%
Eligibility Requirements 5%
Customer Service 5%
User Reviews 5%

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.

How To Choose The Right Business Rewards Credit Card

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 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.

FAQs On 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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Chelsea Krause

Chelsea Krause

Lead Staff Writer
Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been with Merchant Maverick helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well. She currently resides in Boise, Idaho.
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