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Small business owners currently have a bounty of excellent welcome offers to choose from. The choice comes down to what you value the most — whether that's transferable rewards, airline miles, hotel points, or just straight cash back. Below, we've rounded up the best small-business card offers. Excluding the no-annual-fee cards, each bonus is worth at least $1,000.
Not sure if you qualify as a business? You might be surprised. Freelancers, Etsy sellers, Uber drivers, and side-hustlers can often qualify for small business cards. If you want the quick rundown, here’s how to get a business credit card — even if you’re just getting started.
Let’s break down the top offers available now, from massive bonuses to no-annual-fee picks.
$895Rates & Fees
(Terms apply)
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
$795Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Transferable Points Business Cards
The Business Platinum Card® from American Express
Amex recently revamped its Business Platinum Card with a welcome offer that reaches as high as 300,000 bonus Membership Rewards points. If you're targeted for the top offer, that bonus could be worth around $5,970 based on recent AwardWallet user redemptions.
(Terms apply)
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
In addition to this massive welcome offer, the Business Platinum Card delivers excellent long-term value due to its stellar list of recently enhanced travel benefits. Aimed squarely at road warriors and entrepreneurs who travel for business, this card carries the best elite-status perks of any card on this list. See our Business Platinum Card review for full details.
Sapphire Reserve for Business℠
Chase recently increased the sign-up bonus on the Sapphire Reserve for Business℠ (Rates & Fees) to 200,000 points. Based on recent AwardWallet user redemptions, those points are worth around $4,000.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Beyond the sign-up bonus, the Sapphire Reserve Business combines flexible Ultimate Rewards points with premium travel benefits and business-focused statement credits. It makes the most sense for businesses that can use enough of those benefits to justify its premium annual fee. Check out our Sapphire Reserve Business review for full details.
American Express® Business Gold Card
Like the Business Platinum Card, the Amex Business Gold just received a revamped welcome offer reaching as high as 200,000 bonus points. If you're targeted for the top offer, that bonus could be worth around $3,980 based on recent AwardWallet user redemptions.
(Terms apply)
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® 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.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- 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.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Beyond the welcome offer, the Amex Business Gold is particularly rewarding for businesses whose expenses fall within its eligible bonus categories, since the card automatically rewards the two where you spend the most each billing cycle. Full details are in our Amex Business Gold review.
Capital One Venture X Business
Capital One is currently offering a 150,000-mile bonus on the Capital One Venture X Business. For businesses with the spending power to achieve it, this bonus is worth around $3,000.
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
This traveler-focused card offers lounge access, anniversary bonus miles, and a $300 annual travel credit, while charging a lower annual fee than its premium Amex and Chase competitors. More details are in our Venture X Business review.
Capital One Venture Business
In April 2026, Capital One launched the Venture Business Card with a bonus of 100,000 bonus miles once you spend $10,000 on purchases within the first 3 months from account opening. Based on recent AwardWallet user redemptions, that bonus could be worth around $2,040.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- 5X miles per $1 on hotels, vacation rentals and rental cars booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
The Venture Business Card is a lower-cost alternative to the Venture X Business, pairing straightforward earning with access to 22 Capital One airline and hotel partners. For more information, check out our Capital One Venture Business Card review.
Ink Business Preferred® Credit Card
The Ink Preferred (Rates & Fees) currently offers a sign-up bonus of 100,000 points — worth around $2,000 based on recent AwardWallet user redemptions. Its spending requirement is also more manageable than most of the offers above.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
Long term, the card earns 3X on up to $150,000 in combined purchases each account anniversary year across travel, shipping, select advertising, and internet, cable, and phone services. With a reasonable $95 annual fee, the Ink Preferred remains one of the strongest all-around business cards available. See our Ink Preferred review for more details.
Related: Why the Chase Ink Preferred Is My Primary Travel Card
Airline Business Cards
United℠ Business Card
The United℠ Business Card (Rates & Fees) is currently offering an elevated up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Even better, the annual fee is just $150.
- Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
- Earn at least 8X total miles on eligible United flights (excluding Basic Economy and other base fares)*
- 2X miles on eligible United purchases
- 2X miles on dining and all other travel
- 1X on all other purchases
- 6X miles on the primary cardmember’s fare from United as a MileagePlus member
- 2X miles on entire United purchases with the United℠ Business Card
Cardholders get a free first checked bag on United flights — potentially saving up to $200 per round-trip — two one-time United Club℠ passes each year, priority boarding on United-operated flights, 25% back on United inflight and Club premium drink purchases, and no foreign transaction fees. Plus, if you also hold a personal United credit card, you earn a 5,000-mile anniversary bonus.
Delta SkyMiles® Reserve Business American Express Card
New cardmembers of the Delta SkyMiles® Reserve Business American Express Card can apply to earn 80,000 bonus miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Earn 3 miles per dollar on eligible Delta purchases.
- 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.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Enjoy your first checked bag free on Delta flights worldwide - and on domestic Delta flights, your second bag flies free too.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- 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. Enrollment required.
- With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
- 3X miles per dollar spent on purchases made directly with Delta
- 1.5X miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year
- 1 mile on every dollar spent on all other eligible purchases.
In addition to earning bonus miles on Delta flights, you'll get Delta Sky Club® access, a free checked bag on Delta flights, 15% off Delta awards, priority check-in, priority boarding, and more whenever you fly Delta. Plus, earn Delta Medallion elite status quicker with an MQD Headstart of $2,500 Medallion Qualification Dollars each Medallion Qualification Year, plus an MQD Boost of $1 MQD for each $10 on purchases made on your card.
If the $650 annual fee (Rates & Fees) is too high, check out the other Delta small business card offers:
$0 introductory annual fee for the first year, then $150Rates & Fees
(Terms apply)
- 2X miles per dollar spent on eligible purchases made directly with Delta
- 2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)
- 2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)
- 2X miles per dollar on eligible dining purchases
- 1X miles per dollar on all other eligible purchases
$350Rates & Fees
(Terms apply)
- 3X miles per dollar spent on eligible purchases made directly with Delta
- 3X miles per dollar spent on eligible purchases with hotels
- 1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually)
- 1.5X miles on eligible transit and U.S. shipping purchases*
- 1X miles per dollar on all other eligible purchases.
Southwest® Rapid Rewards® Performance Business Credit Card
The Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees) is offering new applicants 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. What makes this offer especially compelling is that, with the right strategy, you can leverage it to earn a Southwest Companion Pass valid through 2027.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
- 4X points per $1 spent on Southwest® purchases
- 2X points per $1 spent at gas stations and restaurants
- 2X points per $1 on hotel accommodations booked directly with the hotel
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
Beyond the welcome bonus, cardholders can enjoy several valuable perks, including 9,000 bonus points each year after your cardmember anniversary, 10,000 Companion Pass qualifying points each year, the first checked bag free for both you and up to 8 companions on the same reservation, no foreign transaction fees, up to $120 in statement credits every four years for Global Entry, TSA PreCheck, or NEXUS, and 2,500 A-List qualifying points for every $5,000 spent, and more.
Hotel Business Cards
World of Hyatt Business Credit Card
While the World of Hyatt Business Credit Card (Rates & Fees) doesn't sport as high a numerical welcome bonus as other cards on this list, it's the value of the bonus points that matters. In recent AwardWallet user redemptions, World of Hyatt points have yielded 2.19¢ per point in value. At that rate, the 70,000-point bonus is worth around $1,530.
- 70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent on fitness club and gym memberships
- 1X point per $1 everywhere else
In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
In addition to this solid bonus, Hyatt Business Card cardholders get Hyatt Discoverist status, can earn 5 Tier-Qualifying Night Credits for every $10,000 spent, and up to $100 in annual Hyatt statement credits.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is offering a welcome offer of up to 125,000 Marriott Bonvoy® bonus points. That's pretty great for a long-term keeper of a card.
(Terms apply)
- Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x 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.
- 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. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
- 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x Marriott Bonvoy® points on each dollar of eligible 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 Marriott Bonvoy® points per dollar on all other eligible purchases
Marriott fans will love the modest $125 annual fee (Rates & Fees), complimentary Marriott Bonvoy® Gold Elite Status, and annual free night worth up to 35,000 points — perks that easily justify keeping the card year after year. You'll also receive 15 Elite Night Credits in your account each year, and these stack with any credits received from personal Marriott credit cards, helping you accelerate your path to higher status tiers. See our Marriott Bonvoy Business Card review for more information.
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card features a welcome bonus of 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG® Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
- Earn up to 26X total points per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
- Earn up to 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
- Earn up to 10X base points for being an IHG® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
You can take advantage of excellent benefits, including IHG Platinum Elite status and a complimentary free night each year (deposited on your account anniversary) worth up to 40,000 points. That IHG free night certificate alone should justify the reasonable annual fee. More information is available in our IHG Business Card review.
Cash-Back Business Cards
Capital One Spark Cash Plus
The Capital One Spark Cash Plus hits the trifecta of a fantastic bonus, a modest annual fee, and unlimited cash back on business purchases.
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
This card is a solid choice if you value simplicity and don't want to think about which card you need to pull out for each specific purchase according to bonus categories. You'll earn 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Business Travel, and you can convert your cash back into miles if you also hold a card that earns Capital One miles. See our Spark Cash Plus review for more details.
Graphite™ Business Cash Unlimited Card
Amex just launched the Graphite Business Cash as a new small-business card for big spenders who are laser-focused on earning cash back. Eligible new cardmembers can Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout..
(Terms apply)
- Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
- Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
- No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
- Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
- Terms apply.
- 2% cash back in Reward Dollars on eligible purchases.
- 5% cash back on flights and prepaid hotel bookings through Amex Travel®
That's a massive spending requirement, but you'll be rewarded for every purchase along the way: 2% cash back in Reward Dollars on eligible purchases, plus 5% cash back on American Express Travel® (issued as a statement credit).
Capital One Spark Cash
Like the idea of the Spark Cash Plus but not its annual fee or high sign-up bonus spending requirement? Check out the Capital One Spark Cash instead. New cardholders can earn $1,000 cash back (plus a $250 Capital One Business Travel credit) when you spend $10,000 within 3 months of account opening.
- Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening
- 2% cash back for your business on every purchase, everywhere
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2% Cash Back on every purchase
- 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Plus earn 2% Cash Back on every purchase. And the annual fee is $0 intro for first year; $95 after that. Check out this post about the Capital One Spark Cash offer for full details.
Ink Business Premier® Credit Card
If your small business is a big spender and you want to earn cash-back rewards, you should seriously consider the Ink Business Premier® Credit Card (Rates & Fees). New applicants can earn a welcome bonus of $1,000 after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Earn 5% cash back on Lyft rides now through September 30, 2027.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- 5% cash back on travel purchases through the Chase Travel℠ portal
- 2.5% cash back on purchases of $5,000 or more
- 2% cash back on all other purchases
While you can't combine these earnings with Ultimate Rewards points (as you can on other Ink cards), the earning rates on this card can't be understated. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
This is a charge card — meaning you'll need to pay the balance in full each month and won't have a preset spending limit. Businesses looking for flexible spending and a great cash-back earning structure should check out our full Ink Premier review.
Related: Comparing Chase Ink Business Cards — Which One Is Right for You?
No-Annual-Fee Business Credit Cards
While the cards highlighted above have blockbuster welcome offers, not everyone is comfortable paying an annual fee. Here's a roundup of the best business card offers on cards that don't charge an annual fee.
- 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 on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn unlimited 1.5% cash back on every purchase made for your business
Ink Business Cash® Credit Card
Sporting no annual fee Ink Cash (Rates & Fees) is an earnings powerhouse. You'll earn 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back on dining and gas on the first $25,000 spent in combined purchases each account anniversary year.
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
- 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 on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Those with cards that earn Chase Ultimate Rewards points can combine their cash back with points for even more redemption options. Learn more in our full Chase Ink Cash review.
Ink Business Unlimited® Credit Card
The Ink Unlimited (Rates & Fees) is a top card for everyday spending, earning 1.5% back on business purchases with no cap on the rewards you can earn.
- Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening - Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
The Ink Unlimited is made even more powerful because your cash back is earned as Ultimate Rewards points — giving you access to high-value redemptions when you also hold a companion card with access to Chase transfer partners.
Business Credit Card Application Strategy
If you're new to credit card rewards or haven't applied for many cards recently, we recommend you start with Chase cards. Why? Chase uses an unpublished 5/24 policy that makes you ineligible for its credit cards if you've opened five or more credit cards in the past 24 months. Not sure of your 5/24 count? Here's how you can check your Chase 5/24 status for free.
If you're eligible for Chase card bonuses, we recommend you start with one of the best Chase business credit cards.
What Makes a Great Small Business Credit Card?
Simply put, the best small business card is the one that earns a top return on the purchases you make most. What works best for a restaurant owner won't be the same as the right card for a mechanic, an online retailer, or an events planner. If you are a consultant who travels for work, your needs will differ from those of a corner store merchant aiming to maximize cash-back returns.
Some business cards offer flexibility on big purchases via an introductory 0% APR offer with no annual fee. Others offer travel benefits like elite status with hotels and annual travel credits. If you won't benefit from travel perks or earning extra points on specific bonus categories, look for a card like the Spark Cash Plus or Ink Premier that can maximize your return on everyday business expenses with no category restrictions.
The best approach to finding the business card that suits your needs is to assess your business expenses, the benefits you will use, and your goals for the rewards you earn.
Final Thoughts
You don’t need years of business history with a large storefront to get a business credit card. You could operate an Airbnb rental, resell products on Amazon, or babysit kids in your local neighborhood. As long as you have a decent income and a healthy credit rating, it may be easier than you think to earn a huge bonus and start getting rewarded for your business spending.
Whether you're looking for cash back, transferable points, or a co-branded card with your favorite airline or hotel rewards program, you'll find a good card for your situation in this list. Remember that bonuses can change often, so bookmark this page to check the best business credit card offers available whenever you're ready for your next application.
For rates and fees of the cards mentioned in this post, please visit the following links: The Business Platinum Card® from American Express (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), American Express® Business Gold Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), United℠ Business Card (Rates & Fees), Delta SkyMiles® Reserve Business American Express Card (Rates & Fees), Delta SkyMiles® Gold Business American Express Card (Rates & Fees), Delta SkyMiles® Platinum Business American Express Card (Rates & Fees), Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), World of Hyatt Business Credit Card (Rates & Fees), Marriott Bonvoy Business® American Express® Card (Rates & Fees), IHG One Rewards Premier Business Credit Card (Rates & Fees), Graphite™ Business Cash Unlimited Card (Rates & Fees), Ink Business Premier® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), and Ink Business Unlimited® Credit Card (Rates & Fees)
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