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The best business credit cards have generous business-focused rewards while allowing you to separate business expenses from personal:
card_name – Why 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: bonus_miles_full
card_name – Why 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: bonus_miles_full
card_name – Why Choose It?: Easy to understand, generous rewards. EARN: Unlimited 2X miles on every purchase, PLUS unlimited 5X miles on hotels and rental cars booked through Capital One Travel. (Redeem “miles” at a value of a penny-per-mile toward travel bookings, or transfer miles into the loyalty programs of Capital One travel transfer partners.) EARLY SPEND BONUS: bonus_miles_full. ALSO: Receive up to a $100 statement credit for your application to TSA PreCheck or Global Entry, no foreign transaction fees. Annual fee: annual_fees.
card_name – Why Choose 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: bonus_miles_full.
card_name – Why 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: bonus_miles_full card_name. American Express is a ProudMoney advertiser.
card_name – Why 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: bonus_miles_full card_name. American Express is a ProudMoney advertiser.
card_name – Why Choose It? Great travel credit card for business that arguably pays for itself! While the card has a annual_fees annual fee, you get an annual $300 credit for bookings through Capital One Travel AND you will also get 10,000 bonus miles every year, starting on your first anniversary of holding the card. Use those both and the math says you’re getting $400 worth of value even before the many other rewards and perks on this card, which include…
EARN: Unlimited 2X miles on every purchase, PLUS, when you book through Capital One Travel, you’ll earn 5X on flights and 10X on hotels and rental cars. (Redeem “miles” at a value of a penny-per-mile toward travel bookings, or transfer miles into the loyalty programs of Capital One travel transfer partners.) EARLY SPEND BONUS: bonus_miles_full. TRAVEL PERKS: LOUNGES: Unlimited free visits to Capital One airport lounges for you and up to 2 guests, as well as access to the more than 1200 airport lounges in the Priority Pass network. TSA PRECHECK/GLOBAL ENTRY: Receive up to a $100 statement credit for your application to these programs. No foreign transaction fees, and more.
card_name – Why 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: annual_fees.
NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full
card_name – Why We Like It: Great for the frequent business traveler, with exceptional Membership Rewards points earning, a potential 35% “Airline Bonus” (get 35% of your points rebated to your account when you redeem for flights through AmexTravel.com), a yearly $200 Airline Fee Credit, and access to the best airport lounge network, the Global Lounge Collection. (Plus lots more!) Its annual_fees 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: bonus_miles_full card_name. American Express is a ProudMoney advertiser.
card_name – Your business earns: 4X Membership Rewards® points on the top 2 categories where your business spent the most each billing cycle. 1X points on other select purchases.
Get a 25% points bonus rebate! Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back into your Membership Rewards account.
New Cardholder Welcome Bonus Opportunity: bonus_miles_full annual_fees annual fee. card_name. American Express is a ProudMoney advertiser.
card_name – Why 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: bonus_miles_full card_name.
NOTE: If you are NOT an Amazon Prime member, there is also an alternate card_name with slightly lower (but still generous) rewards and payment terms. card_name. American Express is a ProudMoney advertiser.
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Author: Adam Jusko
