Top Business Cards
Navigating the world of business credit cards can be a game-changer for earning massive credit card points and miles on everyday purchases. Whether you're looking to earn rewards, get cash back, or access premium benefits, the right card can make all the difference.
Don’t have a business, and think you won’t qualify for a business credit card? Well, I have some good news for you! Do you sell goods on FB Markteplace, Etsy, or eBay (even occassionally?) Then you may be eligible for a business card as a Sole Proprietor.
Here are my top four picks for the best business credit cards, each offering unique advantages to suit different business needs.
1. Ink Business Preferred® Credit Card
Why I Love this Card: The Ink Business Preferred® Credit Card is a powerhouse for businesses that spend heavily on travel and advertising. However, even if these aren’t you two top spending categories, this card’s robust rewards structure and super valuable points make it a top choice for maximizing returns on your expenses and earning you a lot of points for travel.
Welcome Bonus and Minimum Spend: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,250 toward travel when redeemed through Chase Ultimate Rewards®, and at least $1,500 when you transfer your points to airline and hotel partners!
Annual Fee: $95
Point Bonuses:
3x points on the first $150,000 spent on travel and select business categories each account anniversary year
1x point per dollar on all other purchases
2. Ink Business Unlimited® Credit Card
Why I Love this Card: The Ink Business Unlimited® Credit Card offers simplicity with a flat-rate cash back on all purchases. This is perfect for those who want straightforward rewards without having to track spending categories… which is why it’s one of my all time favorite business cards!
Welcome Bonus and Minimum Spend: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee: $0
Point Bonuses:
Unlimited 1.5% cash back on every purchase made for your business
3. The Business Platinum Card® from American Express
Why I Love this Card: The Business Platinum Card® from American Express is ideal for anyone seeking premium travel benefits and high rewards on travel-related expenses. Its amazing perks are perfect for frequent travelers and those looking for luxury benefits… like complimentary airport lounge access!
Welcome Bonus and Minimum Spend: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your card in the first 3 months of card membership.
Annual Fee: $695 (see rates and fees)
Point Bonuses:
5x points on flights and prepaid hotels on amextravel.com
1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million of these purchases per calendar year)
1x point on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
4. Capital One Spark Miles for Business
Why I Love this Card: The Capital One Spark Miles for Business is perfect for those who want to earn miles on every purchase and enjoy flexible travel rewards. Its straightforward earning structure is great for those who want to keep it simple.
Welcome Bonus and Minimum Spend: Earn 50,000 miles after you spend $4,500 on purchases within the first 3 months from account opening.
Annual Fee: $0 intro for the first year; $95 after that
Point Bonuses:
2x miles per dollar on every purchase, every day
5x miles on hotels and rental cars booked through Capital One Travel
Final Thoughts
Choosing the right business credit card can significantly enhance and diversify your credit card points and miles portfolio. The Chase Ink Business Preferred, Chase Ink Business Unlimited, The Business Platinum Card from American Express, and Capital One Spark Miles for Business each offer unique advantages that can not only help your business thrive, but help you start racking up some serious points and miles.
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.