Top-Rated Business Credit Cards You Should Know About

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You know the deal. Business credit cards promise the moon: hefty signing bonuses, generous rewards, miles of airline miles and more. But which cards actually deliver?

We’ve evaluated some of the most popular high-reward business credit cards to figure out which ones give you the most bang for your buck. You can’t go wrong with any of these high-payoff cards, so your choice will likely hinge one what kind of rewards you’re looking for.

Ink Business Preferred℠ Credit Card

For a Large Signing Bonus—Chase Ink Business Preferred Credit Card ℠
If you’re looking for an upfront incentive, the Chase Ink Business Preferred Card is the way to go. After the first three months and only $5,000 in purchases (easy to accomplish with a blossoming business budget), you’ll earn a whopping 80,000 points—the equivalent of $1,000 in travel rewards.

You can use these rewards for most major airlines with no restrictions. You can also transfer your Chase points to participating frequent travel programs at their full 1:1 value, so you don’t have to worry about losing any of your rewards’ value. However, you should know that points are worth 25% more when you redeem them for airfare, hotels and car rentals through the Chase Ultimate Rewards® program.

The Business Platinum® Card from American Express OPEN

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Rates & Fees

For the Business Traveler—The Business Platinum® Card from American Express OPEN
For the jet-setting business owner, The Business Platinum® Card from American Express OPEN is hard to beat. Rack up Membership Points® in no time and even get 50% more Membership Rewards® points on each qualifying purchase of $5,000 or more. Plus, with your Business Platinum Card, you’ll enjoy complimentary access to 1,000+ airport lounges—a must-have for anyone who spends a lot of time at the airport.

To make your time at the airport even more comfortable, you can receive up to $200 in statement credits per calendar year for using your card on checked bags, in-flight refreshments and more. Sit back, check a few company emails and enjoy an in-flight refreshment on Amex.

Capital One® Spark® Cash for Business

For the Big Spender—Capital One® Spark® Cash for Business
For big purchases, the Spark Cash from Capital One card will help you rack up cash back quickly. Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Plus, you’ll enjoy 2% cash back on all purchases made with your Spark Cash card, which can add up quickly.

When you’re ready to start earning 2% on work-related employee purchases, you can add employee cards for free with no hassle. Plus, enjoy the peace of mind that comes with $0 Fraud Liability, so all you’ll have to worry about is how you’ll spend your cash back (your employees vote for a new printer).

SimplyCash® Plus Business Credit Card from American Express

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Rates & Fees

For the Strategic Spender—SimplyCash® Plus Business Credit Card from American Express
As long as you’re willing to make a few extra decisions along the way, the SimplyCash Plus card from Amex is a solid bet. Enjoy an impressive 5% cash back at U.S. office supply stores and on wireless telephone services purchased from U.S. service providers.

You’ll also enjoy 3% cash back on the category of your choice from a list that includes airfare, hotel rooms, restaurants, advertising in select media, shipping and more—which means this card can be whatever you want it to be. Plus, with a $0 Annual Fee and 0.0% introductory APR on purchases for the first 9 months, you have little to lose.

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Picture of Niki Dellapietra-Woolstenhulme

By: | Aug 10, 2017

I am looking for a card that doesn't require the full balance paid monthly

1 Reply

By: CompareCards | Aug 14, 2017

Many of our best business credit cards don't require you to pay off your balance in full each month. However, paying off your balance is a smart practice because after the 0% APR is up, you'll end up owing interest on your outstanding balance every month.

Picture of Thurman Harrison Jr.

By: | Aug 5, 2017

I need to know what is the best card for business that the owner has bad credit. I have try most of the cards for my business but I have been turned down for them all. I need help.

1 Reply

By: CompareCards | Aug 9, 2017

Unfortunately, nearly every business credit card is going to require Good or Excellent credit. Since business cards tend to have larger credit limits, issuers are wary about approving customers with less than stellar credit for them. The best option would be to build your credit with a card that frequently reports to the three main credit bureaus so. Check out some of our cards for bad credit.

Picture of Francis Mc Innis

By: | Mar 3, 2017

I HAVE BEEN AN AMERICAN EXPRESS CARD HOLDER FOR ALMOST 50 YEARS AND I LOVE THE SERVICE THIS COMPANY PROVIDES THEY OFFER ALL KINDS OF GOODIES AND ABOUT THE SAME AMOUNT OF PERKS AS THE COMPETITIVE COMPANIES,BUT FOR EMERGENCIES AND PROBLEMS THAT WILL ARRIVE ,THEY OFFER SUPERB SERVICE

Picture of Esmeralda Barrios

By: | Dec 8, 2015

I WANT TO GET A CARD TO REBUILD MY CREDIT

1 Reply

By: Antonio Margaretti | Jan 19, 2017

You should start with a $500 or $1000 secured (like a deposit) or you could get someone with good and active credit to add you as a user. You don't have to use it much to raise your score.

Picture of Lorena Auguste

By: | Dec 1, 2015

Choose wisely ...indeed I shall but this is in preparation for business! It is good to be careful.

Picture of Elizabeth Bridwell Coley

By: | May 13, 2015

When choosing a card I would go with Citi or Cap One. Not interested at this time.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.