Home » Top Picks » Best Business Rewards Cards

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 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 100,000 Bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. 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 Cash Rewards Mastercard® credit card $300 statement credit when you make at least $3,000 in net purchases within 60 days of your account opening.. 3% cash back on your choice of one of the following six categories: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, and 2% cash back on dining (on the first $50,000 each calendar year, then 1%. Earn an unlimited 1% cash back on all other purchases. $0

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

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

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 15 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 participating Marriott Bonvoy hotels.

  • EEarn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media.

  • 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
  • Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
  • 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.
  • 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 a participating hotel. Certain hotels have resort fees.
  • 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:

  • Sign-up bonus: 100,000 Bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months.
  • 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 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 Cash Rewards Mastercard® credit card fits the bill. It earns 3% cash back on your choice of one of the following six categories: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, and 2% cash back on dining (on the first $50,000 each calendar year, then 1%. Earn an unlimited 1% cash back on all other purchases.

More card details:

  • Sign-up bonus: $300 statement credit when you make at least $3,000 in net purchases within 60 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.


Recommended Posts:

Read More

Best Jewelry Chain Financing Options

Financing an engagement ring may not seem like the wisest way to kick off a new marriage. But if you do your research and utilize low or 0% financing offers strategically, financing jewelry can actually be a relatively low-risk way to make the cost more manageable. There are many jewelry stores that offer promotional financing […]

Read More

Read More

Best Credit Cards for Young Adults

Because we are dependent upon credit for so many of life’s major events — buying a home, purchasing a car and even (at times) getting a job — it is crucial to establish good credit history at an early age. Signing up for a credit card — and using it responsibly — is a great […]

Read More