A business credit card is different from a personal credit card because its benefits are designed completely to keep the interests of a business in mind. They are available to all kinds of business, ranging from a sole proprietorship to a corporation. Also, a business card’s expenses don’t show up on the cardholder’s individual credit reports or affect an individual’s credit scores.
Business credit cards are a great way to help track expenses for your small business. If you choose the right card, it will allow you to save thousands of dollars each year on interest, help you book travel flights for free, and earn you rewards for business spending. Find the right card to grow your business!
Read on below to see which business credit card will suit your business best.
 The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll 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 • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
 The Southwest® Rapid Rewards® Premier Business Credit Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn • Earn 3X points on Southwest Airlines purchases. • Earn 2X points on Rapid Rewards hotel and car partners. • Earn 2X points on rideshare. • 1 point per $1 spent on all other purchases. This card does carry a $99 annual fee and there are no foreign transaction fees. Member FDIC |
 The Ink Business Preferred® Credit Card offers 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase TravelSM. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
 The Capital One Spark Cash offers a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening. You're able to earn an unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Free employee cards, which also earn unlimited 2% cash back on all purchases Rewards won't expire for the life of the account, and you can redeem your cash back for any amount This card does come with no foreign transaction fees and $0 annual fee for the first year; $95 after that. |
 The Capital One Spark Miles for Business offers 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. You'll earn: • 2 Miles per $1 on every purchase, everywhere. • 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Receive up to a $120 credit for Global Entry or TSA PreCheck There is an annual fee of $95, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. |
 The Capital One Spark Cash Select for Business offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
 The Capital One Spark Miles Select for Business offers a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening. You can earn 1.5 miles per $1 on every purchase. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy. There is no annual fee or foreign transaction fees to worry about making this card a viable option for business travel. |
 The Hilton Honors American Express Business Card has a welcome offer of 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. You'll earn: • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. • Enjoy up to $240 back each year (in the form of statement credit) for eligible purchases made directly with Hilton. • Enjoy complimentary National Car Rental Emerald Club Executive status. Enrollment in the complimentary Emerald Club program is required. Terms apply. • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. This card has a $195 annual fee. (See Rates & Fees) Terms & Limitations Apply. |
 The Delta SkyMiles® Platinum Business American Express Card offers 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles At Delta Per every eligible dollar spent on purchases made directly with Delta and hotels. • 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more on up to a total of $100,000 purchase categories per calendar year per Card Account. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. • 1X mile on every eligible dollar spent on other purchases. Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers. Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles(R) Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details. Receive a fee credit for TSA PreCheck or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge. Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. This card does carry a $350 annual fee. (See Rates & Fees). Terms and limitations apply. |
 With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms apply. |
 The American Express® Business Gold Card offers 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.* You'll earn more rewards: • 4X Membership Rewards(R) points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* • 3X Membership Rewards(R) points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.* This card does carry a $375 annual fee, but no foreign transaction fees. (See Rates & Fees) Terms apply. |
 The Business Platinum Card® from American Express has a welcome offer of 150,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. You'll earn: • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. • 1.5X points (that's an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points for each dollar you spend on eligible purchases • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card. Enrollment required. • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card. • $199 CLEAR Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR Plus Membership (subject to auto-renewal) when you use the Business Platinum Card. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
 The Delta SkyMiles® Gold Business American Express Card offers 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. • 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. • 1 Mile on every eligible dollar spent on other purchases. Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year. This card carries a $150 annual fee ($0 introductory annual fee for the first year, then $150) (See Rates & Fees). However, there are no foreign transaction fees and you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year. Terms and limitations apply. |
 With the Blue Business® Plus Credit Card from American Express: 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. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms apply. |
 With the The Plum Card® from American Express, paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date. You're able to take up to 60 days to pay with no interest, if you pay your minimum due. Use the power of the Plum Card to buy big for your business. This card comes with no foreign transaction fees and an annual fee of $250. Terms & Restrictions Apply. (See Rates & Fees) Terms apply. Learn More. |
 The Delta SkyMiles® Reserve Business American Express Card offers 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles per dollar on eligible Delta purchases • 1.5X miles per dollar on eligible transit, U.S. shipping & office supply store purchases • 1.5X miles on all eligible purchases after you spend $150,000 in purchases on your card in a year. • Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers. • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge - The Centurion Studio Partner. Enter Delta Sky Club at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner. This card does carry an annual fee of $650 (See Rates & Fees). Pay no foreign transaction fees when you travel overseas. Terms and limitations apply. |
Editor Rating
Related posts:
Leave a Reply