Best Business Credit Cards with Rewards
WalletHub makes it easy to find the best business rewards credit card.
The best business rewards credit cards can give small business owners thousands of dollars in cash back, miles or points each year. Some of the best business rewards credit cards even give bonus rewards on ... show more... show more
5 Best Business Rewards Credit Cards (March 2024)
FILTER BUSINESS CREDIT CARDS WITH REWARDS
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- Earn $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 18.49% - 24.49% (V) regular APR
- 3% foreign transaction fee
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- High rewards rate
- 70,000 points welcome offer
- No foreign fee
- High annual fee
- Spending caps on rewards
- High rewards rate
- $1,000 initial rewards bonus
- No foreign fee
- High membership fees
- Requires good/excellent credit
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- High rewards rate
- 80,000 points initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 100,000 miles initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- No annual fee
- Intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
Our picks for best business rewards credit cards in March 2024
Ink Business Cash® Credit Card
The best business rewards credit card overall is the Ink Business Cash® Credit Card.
Why We Like It: Ink Cash has an initial bonus of $750 for new cardholders who spend $6,000 in the first 3 months. It also gives 1 - 5% cash back on purchases normally. The Ink Cash card has a $0 annual fee, too.
What We Don’t Like: Applicants need good or excellent credit for approval, and this card is not a good choice for carrying a balance from month to month.
Who Should Get It: Apply for the Ink Business Cash® Credit Card if you have good credit or better personally and its rewards match up well with the transactions you plan to make.
Alternatives to Consider: The Capital One Spark 2% Cash Plus is another good option for cash back, and the Ink Business Preferred® Credit Card has great travel rewards.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is the best business credit card for bonus rewards.
Why We Like It: Chase Ink Preferred offers a bonus of 100,000 points, worth $1,250 in travel booked through Chase, for spending $8,000 in the first 3 months. Cardholders also earn 1 - 3 points per $1 spent on purchases normally.
What We Don’t Like: There is an annual fee of $95 and a high APR.
Who Should Get It: Apply for the Ink Business Preferred® Credit Card if you have good or better personally and travel a lot for business.
Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark Miles for Business both offer a lot of rewards value.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business (see Rates & Fees) is one of the best business credit cards for travel rewards.
Why We Like It: The Capital One Spark Miles for Business gives 2 miles per $1 on purchases, and it has an annual fee of $0 intro for 1st yr, $95 after. Cardholders also earn an initial bonus of 50,000 miles for spending $4,500 in the first 3 months.
What We Don’t Like: There is an annual fee of $95 from the second year on. There is a fairly high APR, too.
Who Should Get It: Apply for the Capital One Spark Miles for Business if you have good credit or better personally, plan to travel a lot, but don’t want to commit to a single airline or hotel chain.
Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark 2% Cash Plus are both elite business rewards cards worth considering.
Capital One Spark Cash Select for Excellent Credit
The Capital One Spark Cash Select for Excellent Credit (see Rates & Fees) is the best business rewards credit card with no annual fee.
Why We Like It: The Spark Cash Select for Excellent Credit gives unlimited 1.5% cash back on all purchases, except hotel and rental car bookings made through Capital One Travel, which get you 5% cash back. The Spark Cash Select for Excellent Credit also offers an initial bonus of $750 for spending $6,000 in the first 3 months.
What We Don’t Like: You have to book travel through Capital One to get the top rewards rate. This card also requires excellent credit for approval.
Who Should Get It: Apply for the Capital One Spark Cash Select for Excellent Credit if you have excellent credit or better personally and don’t plan to use the card enough to justify paying an annual fee.
Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark Miles Select for Business are two more business rewards cards with low annual fee that are worth considering.
Wyndham Business Credit Card
The Wyndham Business Credit Card is one of the best business credit cards for hotel rewards.
Why We Like It: This card offers 1 - 8 points per $1 on purchases, plus an initial bonus of 50,000 points after spending $4,000 in the first 90 days .
What We Don’t Like: There is an annual fee of $95. You also have to commit to Wyndham hotels for your business trips if you want to maximize your rewards value.
Who Should Get It: Apply for the Wyndham Business Credit Card if you travel a lot for business and could easily commit to staying at Wyndham properties whenever you go out of town.
Alternatives to Consider: Other elite hotel credit cards for business include the IHG One Rewards Premier Business Credit Card and the World Of Hyatt Business Credit Card.
JetBlue Business Credit Card
The JetBlue Business Credit Card is the best business rewards credit card for airfare.
Why We Like It: This card gives 1 - 6 points per $1 on purchases, in addition to an initial bonus of 50,000 bonus points after spending $4,000 in the first 90 days. Cardholders also enjoy free checked bags and in-flight bonus rewards.
What We Don’t Like: There is an annual fee of $99, and you need to commit to flying with JetBlue if you want to take full advantage of this card’s rewards.
Who Should Get It: Apply for the JetBlue Business Credit Card if you have good credit or better, you fly regularly, and JetBlue is usually an option for you.
Alternatives to Consider: Another great airline credit card for business is the SKYPASS Business Credit Card.
As you can see, it pays to shop around for the top business rewards card for your needs. With that in mind, you can find a recap of WalletHub’s best business credit cards with rewards listed below.
Best Business Credit Cards with Rewards Comparison
Business Credit Card | Best For | Annual Fee |
Ink Business Cash® Credit Card | Overall | $0 |
Capital One Spark Cash Select for Excellent Credit (see Rates & Fees) | No Annual Fee | $0 |
Capital One Spark Miles for Business (see Rates & Fees) | Travel Rewards | $0 intro for 1st yr, $95 after |
Ink Business Preferred® Credit Card | Initial Bonus | $95 |
Wyndham Business Credit Card | Hotel Rewards | $95 |
JetBlue Business Credit Card | Airline Rewards | $99 |
The very best business credit cards with rewards require good or excellent personal credit for approval. Business credit card issuers base approval decisions on applicants’ personal credit history because it tends to be longer than a company’s credit history and more predictive of cardholder performance. Plus, business credit card owners are held personally liable for unpaid balances. So you might want to check your latest credit score before you apply.
How we picked the best business rewards credit cards
WalletHub editors’ picks for the best rewards credit cards for business are based on a comparison of more than 1,500 credit card offers. At a high level, we estimate how much money the average small business owner is likely to save with each card, based on initial bonuses, ongoing rewards rates, annual fees, APRs, and spending data from the Bureau of Labor Statistics. We also consider factors such as approval requirements, secondary benefits of considerable value, policies for employee authorized users, and more. This enables us to identify the best rewards credit cards for businesses of all types.
The competition
There are lots of really good business rewards credit card offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
*The information about Capital One Spark 2% Cash Plus has been independently collected by WalletHub. The financial institution did not provide the details.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Business Rewards Credit Card FAQ
Comparing business credit cards with rewards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Expert Opinions
For more advice on how to make business credit card use as rewarding as possible, WalletHub posed the following questions to a panel of experts. You can see who they are and what they said below.
• Should every small business owner have a business rewards credit card?
• What percentage of small business owners would you say have the right rewards card?
• What tips do you have for small business owners who are shopping for a rewards card?
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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