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Best Business Rewards Cards

Best Business Rewards Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jan 22, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

For small business owners looking for the best business credit card offers, there’s a lot to choose from. Depending on how and where your business spends will help narrow down your choices.

To help you boil down to the best card for your business, we selected cards listed on our site with reasonable annual fees, great benefits and strong rewards on gas, travel, hotel stays and more.

Business credit card comparison

Sign-up bonus/Welcome offer Rewards program Annual fee
Capital One Spark Cash for Business Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. 2% cash back for your business on every purchase, everywhere. $0 intro for first year; $95 after that.
Capital One Spark Miles for Business Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. 2 miles per $1 on every purchase, everywhere. $0 intro for first year; $95 after that.
Marriott Bonvoy Business™ American Express® Card Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. $125
Ink Business Preferred℠ Credit Card Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. $95
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. $0

Best business card for cash back: Capital One Spark Cash for Business

  • 2% Cash Back for your business on every purchase, everywhere

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

  • Redeem cash back for any amount at any time

Highlights
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

See additional details for Capital One Spark Cash for Business

More Info

For business owners who value simplicity, a 2% cashback business credit card makes things easy. With the Capital One Spark Cash for Business, you’ll earn 2% cash back for your business on every purchase, everywhere. And to make it even better, you can redeem cash back at any time with no minimum redemption amount.

More card details:

  • Sign-up bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
  • Annual fee: $0 intro for first year; $95 after that.
  • Foreign transaction fee: None
  • Additional benefits: Free cards for employees, itemized year-end spending summaries and Visa Business Benefits, such as purchase security and extended protection.

Best business card for travel: Capital One Spark Miles for Business

  • Unlimited 2x miles per dollar

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services

Highlights
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

See additional details for Capital One Spark Miles for Business

More Info

It’s hard to beat the Capital One Spark Miles for Business if you’re looking for the best business credit card for travel. It earns 2 miles per $1 on every purchase, everywhere. You can also earn 5 miles per $1 spent on hotel and rental car bookings through Capital One Travel.

In addition to earning a great flat rate on every purchase, this card makes it easy to redeem your miles. You can book new travel through the Capital One Rewards Center or you can use the Purchase Eraser feature to cover a past travel purchase (you must do so within 90 days of the purchase posting to your account). Finally, you can transfer your miles to 19 different travel partners.

More card details:

  • Sign-up bonus: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
  • Annual fee: $0 intro for first year; $95 after that.
  • Foreign transaction fee: None
  • Additional benefits: Free employee cards, year-end summaries and Visa Business Benefits, such as purchase security and extended protection. And get a statement credit every four years of up to $100 toward the application fee for Global Entry or TSA Precheck.

Best business card for hotels: Marriott Bonvoy Business™ American Express® Card

  • 6x points at hotels participating in the Marriott Bonvoy™ program.

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.

  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

Highlights
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

See additional details for Marriott Bonvoy Business™ American Express® Card

More Info

If you’re looking for the best hotel business card to earn valuable rewards on hotel stays, as well as the best business credit card for points that can be transferred elsewhere, the Marriott Bonvoy Business™ American Express® Card offers a lot to love. It earns 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

You can redeem your points toward stays at more than 7,000 Marriott Bonvoy hotels, or if you’re a member of a participating frequent flyer program, you can transfer your points for miles with that program. More than 40 airlines accept transfers of Marriott Bonvoy points, and for every 60,000 points you turn into airline miles, you’ll get a bonus of 5,000 miles.

More card details:

  • Welcome offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • Annual fee: $125
  • Foreign transaction fee: None
  • Additional benefits: Free Night Award from Marriott Bonvoy each year, complimentary Marriott Bonvoy Silver Elite status and credit for 15 nights toward the next level of Marriott Bonvoy Elite status each year.
  • Terms apply.
  • To see rates & fees for Marriott Bonvoy Business™ American Express® Card please click here.

Best business card sign-up bonus: Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card has one of the best business credit card sign-up bonuses we’ve seen, and if you like to use Chase Ultimate Rewards® points for travel, getting this card is a great choice for your business. You can earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Since points are worth 25% more when redeemed for travel through the Ultimate Rewards portal, that can be worth $1,000.

Read: Chase Ultimate Rewards Program Guide

For ongoing rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

More card details:

  • Annual fee: $95
  • Foreign transaction fee: $0
  • Additional benefits: Employee cards at no additional cost, trip cancellation/trip interruption insurance and transfer points at a 1:1 value to 13 airline and hotel partners.

Best business card for gas: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

If you’re looking for a business gas card with generous rewards and a $0 annual fee, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card fits the bill. It earns Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

More card details:

  • Sign-up bonus: $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening..
  • Foreign transaction fee: 3% of the U.S. dollar amount of each transaction
  • Additional benefits: Cash flow management tools and travel and emergency services.

The information related to the Ink Business Preferred℠ Credit Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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