4 Business Credit Cards With Amazing Perks

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From sign up bonuses, to travel perks, to higher credit limits, business credit card rewards are pretty great. Want a slice of those sweet rewards? Good news: business credit cards are not as exclusive as you might think.

Can you get a business credit card? Probably

Contrary to popular belief, you don’t actually need an EIN (Employer Identification Number) to get a business credit card. Sure, you might get a higher limit if you apply with your EIN, but not having one won’t prevent you from getting a card. Got a side job? Do occasional freelance work? Regularly sell stuff on Etsy? All of that qualifies. You can even apply if you’re still thinking about opening a business.

Just remember, these are business cards, intended to be used for business purchases. The rewards are great, but if you don’t qualify, they’re not worth lying on an application to get, so don’t do that.

Now onto the recommendations:

Ink Business Preferred? Credit Card

This is your card if you want big rewards fast. After you spend $5,000 on purchases in the first 3 months you’ll get 80,000 bonus points, which translates to $1,000 worth of travel rewards. If you plan on making a lot of purchases and doing a bit of travel within the next few months, this card’s a great choice.

  • Features
    • You can get substantial rewards, fast
    • In addition to gift cards and cash back, you can use your reward points on most frequent travel programs
    • Points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards.

See More Details >

The Business Platinum® Card from American Express OPEN

If you’re going to travel a lot for business, this card can help you do that in comfort. It comes with complimentary access to over 1,000 airport lounges. Plus you can get a $200 airline fee credit for things like checked bags and in-flight refreshments.

  • Features
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
    • No foreign transaction fees
    • Gogo and Boingo Internet access on six airlines and over a million hotspots

See More Details >

Capital One® Spark® Cash for Business

If cash back is what you’re looking for, this card will keep it coming. You’ll get a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Even better? The 2% cash back you get on all purchases is unlimited.

  • Features
    • Unlimited 2% cash back
    • Rewards won't expire for the life of the account, so you can redeem your cash back any time
    • No category limits on your purchasing—earn cash back on everything

See More Details >

SimplyCash® Plus Business Credit Card from American Express

This card is great for those looking to be a little more strategic with their spending and rewards. You’ll earn 5% cash back on U.S. wireless telephone services and U.S. office supply stores. Then 3% from one of eight categories, like airfare, restaurants, advertising, and more.

  • Features
    • Earn a $200 statement credit after you spend $5,000 on qualifying purchases within the first 6 months
    • Earn an additional $200 statement credit after you spend an additional $10,000 on qualifying purchases in the first year
    • After $50,000 in purchases, you’ll continue to earn 1% cash back the remainder of the year

See More Details >

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Picture of Skye Rose

By: | Oct 7, 2017

Hi, I'm looking for 2% cash back on a purchase. Which card offers 2%?

1 Reply

By: CompareCards | Oct 10, 2017

Check out our page for the best cash back business credit cards! It sounds like the Capital One® Spark® Cash for Business would be a great option for you.

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.