Business Credit Cards With The Best Reward Programs

In many cases, a good rewards program sets a credit card apart from its peers. Businesses can then take advantage of a rewards program to save money and earn bonuses. Depending on how much a business spends, it could net thousands of dollars in rewards every year.

However, not every reward program fits every business. For instance, some rewards programs grant more points at hotels—a boon for businesses that require frequent travel. Meanwhile, others give extra rewards for purchasing office supplies—a great fit for businesses that are always improving their workspaces. There is simply so much variety.

After noticing this complexity, we at Merchant Maverick decided to do a thorough breakdown of the business credit cards with the best rewards programs. Read on through below!

Best For Cash Back Rewards: Chase Ink Business Cash

Put plainly, cash back business cards are an easy and convenient way to save money. With a cash back card, you earn back a certain percentage of what you spent each time you make a purchase. Cash back cards have the added bonus of usually being less complicated than points reward structures.

Earn Rewards On Everyday Business Expenses

Chase Ink Business Cash offers 5% on purchases at office supply stores and on internet, cable, and phone purchases. These rewards cap out at $25,000 spent each account anniversary year. Additionally, Chase has set the second reward tier at 2% cash back (up to $25,000 spent per year) for gas stations and restaurants. All other purchases receive 1% cash back.

Plus, it features no annual fee and a 0% APR for 12 months. Check out our complete review for all the details.

For more cash back cards, check out our best picks.

Best Airlines & Travel Rewards Program: Chase Ink Business Preferred

If your business requires lots of travel you may want to get a business credit card that includes benefits for airlines and travel. Getting a card with specific travel benefits could reap greater rewards than you’d get from just a standard cash back card.

Earn Points On Travel Expenses & Transfer Points

Chase Ink Business Preferred gets our top pick for travel business credit card because you earn 3 points per $1 spent on travel (as well as on shipping, internet/cable/phone services, and online advertising). On top of that, points are worth 25% more if you redeem them for travel through Chase Ultimate Rewards. Additionally, you can transfer your points on a 1:1 basis to other travel programs, such as United MileagePlus and Marriott Rewards. This card does charge a $95 annual fee, however. Get the full picture via Merchant Maverick’s review of the Chase Ink Business Preferred card.

To compare more travel cards, we’ve got you covered with our list of the best business travel cards.

Best Hotel Rewards Program: Hilton Honors American Express Surpass Card

Businesses that spend a decent chunk of change on hotels may want to look for something even more specific than a generic travel rewards card. That’s because a card geared toward hotel rewards can offer you better rewards when used properly.

Earn Points For Hotel & Resort Stays

The Hilton Honors American Express Surpass Card is our top pick because it doles out 12 points per $1 spent on eligible purchases at hotels and resorts in the Hilton portfolio. Beyond that, you can earn 6 points per $1 spent on dining, groceries, and gas. All other purchases nab 3 points per $1 spent. Beyond points, the card will grant you complimentary Hilton Honors Gold Status. On the downside, all this comes with a $95 annual fee.

Best Rewards Points Program: American Express Business Gold Card

Going with a points-based system (instead of one that gives cash back) can be an excellent option should the points be redeemable for a service you frequently use. For instance, if you have a card that allows you to redeem your points on a specific hotel, you could be able to save money on bookings or get free room upgrades.

Amex Business Gold Card’s Well-Rounded Points Program

The American Business Gold Card features an enticing and well-rounded points program. You get 4 points per $1 spent on the two categories your business spends the most each billing cycle (out of airfare, advertising, gas stations, restaurants, shipping, and computer hardware, software, and cloud computing) up to $150,000 in combined purchases each calendar year. Purchases made after hitting the $150K (and purchases outside bonus categories) collect 1 point per $1. Points can be redeemed at an array of airlines, hotels, and merchants. Do note, however, that this card carries a hefty $295 annual fee. Read Merchant Maverick’s review for more info.

Best Overall Rewards Program With No Annual Fee: American Express Blue Business Plus

Earn Points With 0% APR For The First 15 Months

If you’re looking for a well-rounded rewards program with no annual fee, it’s hard to go wrong with the American Express Blue Business Plus. This card packs in 2 points per $1 spent (up to $50,000) on all purchases, making it very attractive to businesses that buy from a range of categories. After you pass the $50,000 threshold, you earn 1 point per $1. Beyond rewards, it features 0% APR for the first 15 months. Get squared away with all the facts in our review.

Business Credit Card Rewards FAQs:

Want To Compare More Rewards For Small Business Credit Cards?

If you want to compare more credit cards for small businesses, visit our comparison page. Those with good credit may also want to check out the best business cards for good credit. Making a big purchase? Read up on our list of the best 0% intro APR cards.