If you own a business, I recommend you look into a small business rewards credit card. By doing so, you can access credit to finance purchases and handle business expenses, while also saving cash and collecting rewards.
Bear in mind, company credit cards are not just for big corporations with traditional storefronts. You are eligible for a business card as an independent contractor or freelancer. Simply apply with your Social Security number as your business tax ID and your name as the business name on the application.
Be sure to keep reading to learn about the best small business credit cards for points, miles, and rewards.
Additionally, check out our list of the best credit card bonuses here.
Table of Contents
Types of Business Rewards
A majority of credit cards let you earn a specific percentage back whenever you make a purchase, which can be redeemed later for cash back. Cards that allow you to earn cash back are great because they are more flexible than earning miles or points and the value doesn’t vary.
Transferable points can be converted for maximum value to partner loyalty programs. Because of its redemption versatility, this form of reward generally holds the most appeal.
Hybrid rewards are a new form of compensation which has gained momentum in recent years. They gain money back, but when combined with other cards of the same family, you can also turn their cash rewards into more valuable point currencies.
You can earn points or miles through certain loyalty programs, usually through an airline or hotel. They also come with brand-specific advantages, such as free checked bags (airline cards) and elite status (hotel cards) for free.
The currencies of loyalty programs are not as versatile as transferable points, but can hold a lot of value. Check out a list of our favorite airline rewards credit cards. Furthermore, find a list of our best hotel credit cards.
What We Considered
These factors were taken into account when we made this list of best rewards credit cards.
- Welcome bonus
- Earning potential
- Annual fees
- Point values
- Rewards flexibility
- Rewards simplicity
- Additional benefits
- Transfer partners
- Rates & fees
The Best Business Credit Cards
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.
Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy and you can earn 2 miles per $1 on every purchase. And 5X miles on hotel and rental car bookings through Capital One TravelSM using a Spark Miles card
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 Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
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 Ultimate Rewards.
This card does come with a $95 annual fee but does not have any foreign transaction fees.
The The Business Platinum Card® from American Express has a welcome offer of 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
• 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. In addition, you'll get 50% more Membership Rewards® points.
• 1.5X Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
Get $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
This card does come with a $595 annual fee ($695 if application is received on or after 01/13/2022). (See Rates & Fees)
The Citi® / AAdvantage® Platinum Select® World Elite MasterCard offers 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.
You'll earn 2X AAdvantage® miles for every $1 spent at gas stations and restaurants & 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
You'll be able to earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
On top of that, enjoy preferred boarding on American Airlines flights - and get your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
This card comes with an annual fee of $99 (waived for first 12 months) and there are no foreign transaction fees.
The Delta SkyMiles® Gold Business American Express Card offers 70,000 bonus miles, and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/2021.
You'll earn 2X miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
This card carries a $99 annual fee ($0 introductory annual fee for the first year, then $99) (See Rates & Fees). However, there are no foreign transaction fees and you can take $100 off your next Delta flight - after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
Terms and limitations apply.
The Delta SkyMiles® Platinum Business American Express Card offers 90,000 bonus miles, 10,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/21.
You'll earn 3X miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year; & 1X mile on every eligible dollar spent on other purchases.
This card does carry a $250 (See Rates & Fees).
Terms and limitations apply.
The Southwest Rapid Rewards Premier Business Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open in addition to 6,000 bonus points after your Cardmember anniversary.
You'll earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases; 1 point per $1 spent on all other purchases.
This card does carry a $99 annual fee and there are no foreign transaction fees.
The Southwest Rapid Rewards Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases in the first 3 months.
This card earns 3X points per $1 spent on Southwest Airlines® purchases. 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1X point per $1 spent on all other purchases
In addition, you can score 9,000 bonus points after your Cardmember anniversary, get 4 upgraded boarding passes per year, and more!
Learn more about this card and its features here.
The United Business Card offers 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
You can also receive 5,000-mile better-together anniversary bonus when you have the United Business Card and a personal United credit card.
You'll earn 2X miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; 1X mile per $1 spent on all other purchases.
The card does carry a $0 introductory annual fee for the first year, then $99, however, you're able to save up to $140 per round-trip with a free checked bag. In addition, you can enjoy priority boarding privileges and have the opportunity for two one-time United ClubSM passes each year — Over $100 in value per year.
Also, enjoy $100 annual United travel credit after 7 flight purchases of $100 or more.
The Hilton Honors American Express Business Card has a welcome offer of up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
You'll earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card & earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
This card has a $95 annual fee. (See Rates & Fees)
The Marriott Bonvoy BusinessTM American Express® Card offers 125,000 Marriott Bonvoy bonus points & 2 bonus Free Night Awards after you use your new Card to make $5,000 in eligible purchases within the first 3 months. Each bonus Free Night Award has a redemption level up to 50K points. Certain hotels have resort fees. Offer ends 11/3/2021.
You can enjoy a complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
You'll earn 6x points at hotels participating in the Marriott BonvoyTM program, 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.
For each card account anniversary, you'll 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 hotels participating in the Marriott BonvoyTM program. Certain hotels have resort fees.
This card does carry a $125 annual fee. (See Rates & Fees)
- The Best Hotel Credit Cards For Travel Benefits + Rewards
- The Best Travel Credit Cards: Rewards and Benefits
- Best Credit Cards For Restaurant Purchases
- Best Credit Cards for Supermarket & Grocery Store Purchases
- No Foreign Transaction Fee Credit Cards
Before you choose a business credit card, it is important that you assess your spending habits and financial goals. The best small business credit card for you might not be the best for someone else, so make sure you look at the rates, fees, benefits, and more.
|Chase Business Complete BankingSM||$300 Cash||Review|
|Citi Priority Account||Up to $1,500 Cash Bonus|
with required activities.
|HSBC Premier Checking Member FDIC||$450 Cash||Review|
|Chase Total Checking®||$225 Cash||Review|
|Chase Secure BankingSM||$100 Cash||Review|
|Huntington 25 Checking||$300 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|
|TD Bank Beyond CheckingSM||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|SoFi Money||$100 Cash||Review|
|Discover Bank Cashback Debit||$360 Debit Cashback||Review|
|Citigold Account||Up To $1500 Cash Bonus|
with required activities.
|PNC Bank Virtual Wallet||Up to $300 Cash||Review|
|PNC Bank Virtual Wallet Pro||Up to $200 Cash||Review|
|Axos Bank Basic Business Checking||$100 Cash||Review|
|Axos Business Savings||$100 Cash||Review|
|Aspiration Spend & Save||$150 Cash||Review|