Best Business Credit Cards – February 2023

The best business credit cards have generous business-focused rewards while allowing you to separate business expenses from personal:

American Express Blue Business Cash™ CardWhy We Like It: Generous, simple CASH BACK rewards formula with no annual fee. Choose this if you want great rewards without having to think too hard about those rewards while you’ve got your mind on your business.

Your business earns: 2% Cash Back on eligible business purchases up to $50,000 per calendar year, automatically credited to your statement. (Eligible purchases are purchases for goods and services minus returns and other credits.) Your business then earns 1% cash back on other eligible purchases after the first $50K spent on your Card, automatically credited to your statement.

New Cardholder Welcome Bonus Opportunity: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

The Blue Business® Plus Credit Card from American ExpressWhy We Like It: Generous, simple-to-understand rewards with no annual fee. Great option if you’re already earning Membership Rewards® points with other American Express credit cards.

Your business earns: 2X Points on eligible business purchases, on up to $50,000 in spending per calendar year. (Eligible purchases are purchases for goods and services minus returns and other credits.) Your business then earns 1X Points on other eligible purchases after the first $50K spent with the card. Points can be redeemed within the popular Membership Rewards program toward a variety of travel rewards as well as other options.

New Cardholder Welcome Bonus Opportunity: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

Ink Business Preferred® Credit CardWhy We Like It: Your business earns a ton of rewards in common business categories, you get access to Chase’s valuable travel transfer partners or you can enjoy a 25% boost on the value of your points when you redeem them through the Chase Ultimate Rewards travel portal. And don’t forget a hefty bonus opportunity for new cardholders.

EARN: 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, and Travel. You’ll earn 1 Point Per $1 on all other purchases. Annual fee: $95.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That’s $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.

 

Ink Business Unlimited® Credit CardWhy We Like It: Simple rewards formula with no annual fee, big bonus opportunity for new cardholders. EARN: 1.5% cash back on all purchases with the card. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

 

Ink Business Cash® Credit CardWhy We Like It: High reward opportunities (as high as 5%) on common small business categories, big new cardholder bonus opportunity, and no annual fee.

EARN: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

 

The Business Platinum Card® from American ExpressWhy We Like It: Great for the frequent business traveler, with exceptional Membership Rewards points earning, a potential 35% “Airline Bonus” when you redeem points, a yearly $200 Airline Fee Credit, and access to the best airport lounge network, the Global Lounge Collection. (Plus lots more!) Its $695 annual fee means it’s best for serious businesses with significant card spend in order to maximize its many rewards and benefits.

Your business earns: 5X Points on: Flights & Prepaid Hotels booked on AmexTravel.com, 1.5X Points on: (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Any other eligible purchases earn 1X points. Points can be redeemed within the popular Membership Rewards program toward a variety of travel rewards as well as other options.

New Cardholder Welcome Bonus Opportunity: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

Capital One Spark Cash Select – $500 Cash BonusWhy We Like It: Simple, generous cash back formula with no annual fee and a big bonus opportunity for you as a new cardholder. EARN: Unlimited 1.5% cash back on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening.

 

Amazon Business Prime American Express CardWhy We Like It: Earn generous rewards at Amazon and elsewhere, and also have the ability to choose special 90-day payment terms, all with no annual fee. EARN: 5% Back (with eligible Prime membership) on the first $120,000 you spend in any calendar year at Amazon.com, Amazon.com/Business, U.S. Whole Foods Market locations, U.S. Amazon Go locations, U.S. Amazon Books locations, and Amazon Web Services in the U.S. (Earn 1% on such purchases after the first $120,000.)

ALSO EARN: 2% Back for each $1 spent on eligible purchases at U.S gas stations, U.S. restaurants, and wireless telephone services purchased directly from U.S. service providers. Earn 1% Back for each $1 spent on other eligible purchases. You can use points to redeem for eligible purchases at Amazon.com and Amazon.com/Business or towards a charge on your statement.

OR CHOOSE SPECIAL PAYMENT TERMS: You may also choose special payment terms instead of earning rewards on eligible purchases. In those cases, you can take up to 90 days from the date of purchase to pay.

NEW CARDHOLDER WELCOME BONUS: Get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. See Rates & Fees. Terms Apply.

NOTE: If you are NOT an Amazon Prime member, there is also an alternate Amazon Business American Express Card with slightly lower (but still generous) rewards and payment terms. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

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Author: Adam Jusko