Best Business Credit Cards – September 2022

The best business credit cards have generous business-focused rewards while allowing you to separate business expenses from personal. Among the business credit cards that meet that standard:

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.

 

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.

 

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 $750 bonus cash back after you spend $7,500 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.

 

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 $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.

 

More Business Credit Cards

 


Author: Adam Jusko


Leave a Comment