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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.
For a Large Signing Bonus—Chase Ink Business PreferredSM 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.
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.
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).
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.