AwardWallet may receive compensation from advertising partners when you visit our site, click on a link, when you are approved for a credit card, or when an account is opened. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here’s our complete list of Advertisers.
Several business credit cards advertise bonus categories that earn 3X, 4X, or even 5X points. But for many small businesses, a large portion of spending falls outside those bonus categories.
That's where a business card with a strong base earning rate shines. Earning 2X points or miles per dollar on everyday purchases means you'll be rewarded regardless of where your business spends money.
Whether you're looking for premium travel perks, a lower annual fee, or a no-annual-fee option, these are the best business cards that earn 2X points on everyday 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
$95
- 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
No annual feeRates & Fees
(Terms Apply)
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
The Best Business Cards for 2X Points on Everyday Purchases
Not every business owner is looking for the same type of card. Some prioritize premium travel perks, while others want to keep costs low with a modest annual fee or no annual fee at all.
The cards below all earn at least 2X points or miles per dollar on everyday purchases, making them excellent options for businesses that want strong rewards on spending that falls outside traditional bonus categories.
- 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
The Venture X Business stands out among premium business cards because it combines a strong everyday earning rate with valuable travel benefits. You'll earn 2X Capital One miles on every purchase, plus 5X miles on flights and 10X miles on hotels and rental cars booked through Capital One Travel — that's a lot of miles that can transfer to one of Capital One's 22 travel partners.
While the card does have a $395 annual fee, several credits more than make up for the fee if you use them correctly. For one, there's a $300 annual travel credit, good for any purchase made through the Capital One Travel portal.
You'll also get 10,000 miles each account anniversary, which AwardWallet users redeem on average for 2.04¢ per mile.
Finally, there's access to airport lounges when traveling for business. Capital One Lounges are now available in more airports than ever before, and the card also comes with a Priority Pass membership. However, the pass no longer allows unlimited guests.
For business owners who want premium travel perks without sacrificing rewards on everyday spending, the Venture X Business is one of the strongest options available.
Related: Full Review of the Capital One Venture X Business
Best low-annual-fee option: Venture Business Card
- 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
If you want to earn transferable rewards on everyday business spending without paying for premium travel perks, the Capital One Venture Business is worth considering.
You'll earn 2X Capital One miles per dollar on every purchase. And you'll also earn 5X miles on hotels and rental car purchases made through the Capital One travel portal. Those miles can be used for a transfer to Capital One partners or redeemed for a statement credit at a 1 mile-to-1 cent ratio.
The $95 annual fee card, recently rebranded, also added new credits for cardholders. They'll receive:
- A $50 annual travel credit for bookings through Capital One Business Travel
- Up to $50 in annual statement credits on purchases at qualifying advertising or software merchants
- Up to $120 credit for Global Entry or TSA PreCheck application fees every four years
While it lacks the lounge access and premium travel benefits found on the Venture X Business, its lower annual fee makes it an attractive option for business owners who want a straightforward way to earn unlimited 2X miles on everyday purchases.
Related: Full Review of the Capital One Venture Business
Best no-annual-fee option: Blue Business Plus
(Terms Apply)
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
For business owners who want to earn transferable points without paying an annual fee, The Blue Business® Plus Credit Card from American Express (Rates & Fees) is hard to beat.
The card earns 2X Membership Rewards points per dollar on the first $50,000 in purchases each calendar year, then 1X point per dollar thereafter. Those points can be transferred to Amex's airline and hotel partners, giving Card Members access to one of the most valuable rewards ecosystems available.
What makes the card especially appealing is its simplicity. There are no bonus categories to track, and you'll earn valuable Membership Rewards points on virtually every business purchase.
But it isn't perfect. It charges foreign transaction fees (Rates & Fees), making it less attractive for businesses that regularly spend outside the United States. And if your business spends significantly more than $50,000 annually in non-bonus categories, one of the unlimited 2X options above may be a better fit.
Still, for business owners seeking a straightforward, no-annual-fee way to earn transferable points on everyday spending, the Blue Business Plus remains one of the strongest options available.
Related: Full Review of the The Blue Business® Plus Credit Card from American Express
Our Take
The right business credit card can do more than simply help you pay for expenses. By earning at least 2X points or miles on everyday purchases, you'll be rewarded even when your spending doesn't fall into a bonus category.
Whether you prefer the premium perks of the Venture X Business, the lower annual fee of the Venture Business Card, or the simplicity of the Blue Business Plus, each of these cards offers a strong return on everyday business spending. Over time, those rewards can add up to free travel, statement credits, or other valuable redemptions.
If you're still weighing your options, be sure to check out our guide to the best business cards for additional recommendations.
$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
$95
- 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
No annual feeRates & Fees
(Terms Apply)
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
For rates and fees of the cards mentioned in this post, please visit the following links: The Blue Business® Plus Credit Card from American Express (Rates & Fees)
![Understanding Rewards Credit Card Application Rules and Restrictions [2026]](https://awardwallet.com/blog/wp-content/uploads/2023/05/corinne-kutz-using-computer-featured.png)
