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.
Types of Business Rewards
CASH BACKTRANSFERABLE POINTSHYBRID REWARDSLOYALTY 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.
You can earn transferable points through American Express Membership Rewards®, Capital One® Rewards, Chase Ultimate Rewards® and Citi ThankYou® Rewards.
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.
For instance, the Citi® Double Cash Card earns cash back, but you can combine it with the Citi Premier® Card to convert your cash rewards into Citi ThankYou® Rewards points.
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
Capital One Spark Miles for BusinessCapital One Spark Cash for BusinessInk Business Preferred Credit CardBusiness Platinum Card from American ExpressCitiBusiness AAdvantage Platinum Select MastercardDelta Skymiles Gold Business American Express CardDelta Skymiles Platinum Business American Express CardSouthwest Rapid Rewards Premier Business Credit CardSouthwest Rapid Rewards Performance BusinessUnited Business CardHilton Honors American Express Business CardMarriott Bonvoy Business American Express Card
 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 Ink Business Preferred® Credit 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 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. You'll earn: • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. • 1.5X Membership Rewards points 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. • 1X points for each dollar you spend on eligible purchases • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. • $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 your Card or any of the Additional Cards on your Platinum Card account. • $189 CLEAR Credit: CLEAR uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
 The Citi® / AAdvantage® Platinum Select® World Elite MasterCard offers 50,000 American Airlines AAdvantage bonus miles after spending $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 • 1 Loyalty Point for every 1 eligible AAdvantage mile earned from 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. (See Rates & Fees) |
 The Delta SkyMiles® Gold Business American Express Card offers 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership. Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees. 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 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees. 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. With Status Boost, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. This card does carry a $250 annual fee. (See Rates & Fees). Terms and limitations apply. |
 The Southwest® Rapid Rewards® Premier Business Credit 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 • NEW! Earn 3X points on Southwest Airlines(R) purchases. • Earn 2X points on Rapid Rewards(R) hotel and car partners. • NEW! 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. |
 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 • NEW! Earn 4X points on Southwest purchases. • Earn 3X points on Rapid Rewards hotel and car partners. • NEW! Earn 2X points on rideshare. • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points 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 intro annual fee for the first year, then $99. 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 United flight purchases of $100 or more. Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24. |
 The Hilton Honors American Express Business Card has a welcome offer of 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23. You'll earn: • 12X at hotels and resorts in the Hilton portfolio • 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants • 3X on all other eligible purchases. • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Terms & Limitations Apply. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card & earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. This card has a $95 annual fee. (See Rates & Fees) Terms apply. |
 The Marriott Bonvoy Business® American Express® Card offers 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. You can enjoy a complimentary Marriott Bonvoy Gold Elite Status with your Card. You'll earn: • 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. • 4x points for purchases made at restaurants worldwide, 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. You'll receive 1 Free Night Award every year after your Card renewal month. 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 Marriott Bonvoy. Certain hotels have resort fees. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. This card does carry a $125 annual fee. (See Rates & Fees) Terms Apply. |
Additional Guides
- 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
Author’s Verdict
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.
In addition, we have a list of bank promotions to get some extra cash in your pockets today. You may also want to check out savings accounts if you want to get started on saving up money.
Editor Rating
Leave a Reply