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If you're looking to maximize your business spending, the right business credit card is an essential tool. From earning valuable points and miles to unlocking travel perks like airport lounge access, the best business credit card offers can help you turn everyday expenses into big-time rewards. Even better, many card welcome offers are worth over $1,000!
And before you think “I don't own a business,” you may be surprised. Freelancers, Etsy sellers, Uber drivers, and even those with side gigs are eligible to get a small business card. Not sure what it takes? Here's how to get a business credit card — even if you’re just getting started.
Let's dive in to break down the top offers available now — including options with massive bonuses, great everyday earning, and even no annual fee.
(Terms apply)
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X Membership Rewards® points on each eligible purchase of $5,000 or more.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
- 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
Page Contents
- Best Business Credit Card Offers for June 2025
- Capital One Venture X Business
- The Business Platinum Card® from American Express
- The New United℠ Business Card
- Capital One Spark Cash Plus
- American Express® Business Gold Card
- Ink Business Preferred® Credit Card
- IHG One Rewards Premier Business Credit Card
- World of Hyatt Business Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- Ink Business Premier® Credit Card
- Best No-Annual-Fee Business Credit Card Offers for June 2025
- Business Credit Card Application Strategy
- What Makes a Great Small Business Credit Card?
- Final Thoughts
Best Business Credit Card Offers for June 2025
Capital One Venture X Business
Capital One Venture X Business
Annual Fee$395
Welcome Bonus
Earn 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
The Capital One Venture X Business is a premium business card earning 2X miles on every purchase, with enhanced earning rates of 5X on flights and 10X on hotels and rental cars booked through Capital One Travel. One of the standout features is the $300 annual travel credit for bookings made via Capital One Travel, accompanied by an annual bonus of 10,000 miles from the first anniversary. Additional benefits include a credit of up to $120 for Global Entry or TSA PreCheck®, access to over 1,300 lounges worldwide, and the ability to transfer miles to over 15 travel loyalty programs.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
For businesses with the spending power to achieve it, the bonus on the Capital One Venture X Business is massive. The card offers a suite of perks like lounge access, anniversary bonus miles, and a $300 annual travel credit, as well as an annual fee comparatively lower than most of its competitors. More details are in our Venture X Business review.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Annual Fee$695
Welcome Offer
Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel® with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
The Business Platinum Card® from American Express is a powerhouse for business travelers, offering cardholders up to $400 in yearly Dell Technologies credits, $360 with Indeed, $150 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $199 CLEAR® Plus credit, Marriott Bonvoy™ and Hilton Honors Gold Statuses, exclusive Fine Hotels + Resorts benefits, and a TSA PreCheck® or Global Entry fee credit. Enrollment required for select American Express benefits.
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. 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.
- NEW! 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. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
- Rates & Fees
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X Membership Rewards® points on each eligible purchase of $5,000 or more.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
- 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. 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.
- NEW! 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. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
- Rates & Fees
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X Membership Rewards® points on each eligible purchase of $5,000 or more.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
- 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.
In addition to its six-figure welcome offer, the Business Platinum Card delivers excellent long-term value due to its stellar list of 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.
The New United℠ Business Card
The New United℠ Business Card
Annual Fee$0 intro annual fee for the first year, then $150
Welcome Bonus Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Cardholders earn 2 miles per $1 spent on United purchases, dining, gas stations, office supply stores, and on local transit and commuting, alongside 1 mile per $1 on all other purchases. Key benefits include a free first checked bag on United flights, potentially saving up to $160 per roundtrip, a $125 United travel credit after qualifying purchases, and two one-time United Club℠ passes each year. Additional perks include 25% back on United inflight and Club premium drink purchases, priority boarding on United-operated flights, and no foreign transaction fees. Plus, if you also hold a personal United credit card, you earn a 5,000-mile anniversary bonus.
- Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $150.
- 2x miles on United® purchases, 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 $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
- Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $150.
- 2x miles on United® purchases, 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 $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
The New United℠ Business Card is currently offering a solid 75,000 bonus miles and 2,000 PQP bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Even better, the annual fee is $0 intro annual fee for the first year, then $150. Cardholders get a free first checked bag on United flights — potentially saving up to $160 per roundtrip — 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.
Capital One Spark Cash Plus
Capital One Spark Cash Plus
Annual Fee$150
Welcome Bonus $2,000 Cash Back 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
The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.- Earn a one-time cash bonus of $2,000 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's travel booking site.
- Earn a one-time cash bonus of $2,000 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's travel booking site.
The Capital One Spark Cash Plus hits the trifecta of a fantastic bonus, a modest annual fee, and unlimited cash back on business purchases. 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 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.
American Express® Business Gold Card
American Express® Business Gold Card
Annual Fee$375
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
The American Express® Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx, Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- 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.*
- 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
- Rates & Fees
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each billing cycle from the list below:
- 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.
*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- 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.*
- 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
- Rates & Fees
- 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.
Sporting a fantastic new-cardmember welcome offer, the Amex Business Gold offers plenty of value courtesy of its 4X eligible bonus categories. Cardholders earn 4X Membership Rewards points on the 2 eligible categories where your business spent the most each month, 1X on other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Full details are in our Amex Business Gold review.
Enrollment is required for select Amex benefits.
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
- 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
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
- 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
The Ink Preferred is one of our favorite business cards. Earn an excellent signup bonus after reaching a reasonable spending target, and stack up even more points with 3x earning on popular categories of business purchases (up to $150,000 of annual spending across bonus categories, then earn 1x). With accessible benefits and an annual fee of only $95, the Ink Preferred is one of the most value-driven business cards on the market. Check out our Ink Preferred review for more details.
Related: Why the Chase Ink Preferred Is My Primary Travel Card
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
Annual Fee$99
Welcome Bonus Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
The IHG One Rewards Premier Business Credit Card earns up to 26x points at IHG Hotels & Resorts, plus 5x on travel, gas stations, dining, and social media advertising, and 3x on all other purchases. Cardholders enjoy an anniversary free night, automatic Platinum Elite status, and a Global Entry, TSA PreCheck, or NEXUS application fee credit, making it perfect for frequent travelers who favor IHG properties.
- 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, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn 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 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
- Earn 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)
- 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, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn 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 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
- Earn 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)
The IHG One Rewards Premier Business Credit Card features a welcome bonus of 140,000 bonus points after spending $4,000 in the first 3 months from account opening. 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 One Rewards Business Card review.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Annual Fee$199
Welcome Bonus 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.
The World of Hyatt Business Credit Card is tailored for maximizing rewards on Hyatt stays and business expenses. Cardholders receive Discoverist status in the World of Hyatt program, can earn 5 Tier-Qualifying Night Credits for every $10,000 spent, and enjoy up to $100 annual Hyatt credit. A 10% point redemption bonus is available for spending over $50,000 in a year.
- 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
- 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
- Rates & Fees
- 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
- 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
- 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
- Rates & Fees
- 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
While the World of Hyatt Business Credit Card doesn't sport as high of 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 60,000-point bonus is worth $952!
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.
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
Annual Fee$199
Welcome Bonus
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
The latest card to join the Southwest lineup of rewards cards, the Southwest Performance Business Card offers the highest Rapid Rewards signup bonus, earns more points than its Southwest counterparts, receives a massive 9,000-point anniversary bonus, plus offers plenty of perks and benefits for Southwest fans. One of the best co-brand business cards on the market.
- 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 3X points on Rapid Rewards® hotel and car rental partners.
- 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.
- 4 Upgraded Boardings per year when available.
- Member FDIC
- Rates & Fees
- 4X points per $1 spent on Southwest® purchases
- 3X points per $1 spent on Rapid Rewards® hotel and car partners
- 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
- 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 3X points on Rapid Rewards® hotel and car rental partners.
- 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.
- 4 Upgraded Boardings per year when available.
- Member FDIC
- Rates & Fees
- 4X points per $1 spent on Southwest® purchases
- 3X points per $1 spent on Rapid Rewards® hotel and car partners
- 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
The Southwest Performance Business Card is offering a bonus of 80,000 bonus points but charges a higher annual fee of $199. However, that's a reasonable price once you consider all of the perks that come with this card: 9,000 bonus points on each account anniversary (worth around $135), four A1-A15 upgraded boardings each year, and 365 credits for inflight Wi-Fi purchases — essentially giving you an unlimited Southwest Wi-Fi plan.
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
Annual Fee$195
Welcome Bonus Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
The Ink Business Premier℠ Credit Card is tailored for businesses with significant spending, offering robust cash back and travel benefits. It features unlimited 2.5% cash back on purchases of $5,000 or more, and 2% back on all other business purchases. For travel, it provides 5% cash back on bookings through Chase Travel℠, with additional travel protections like trip cancellation/interruption insurance and an auto rental collision damage waiver. The card includes purchase protection, extended warranty, and up to $1,000 cell phone protection per claim. Additionally, it offers employee cards at no extra cost, complete with spending controls and monitoring tools. Despite its $195 annual fee, the card's high cash back rates and suite of business-focused features make it a valuable tool for high-spending businesses.
- 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.
- 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
- Rates & Fees
- 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
- 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.
- 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
- Rates & Fees
- 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
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.
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. 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 cashback earning structure should check out our full Ink Premier review.
Related: Comparing Chase Ink Business Cards — Which One Is Right for You?
Best No-Annual-Fee Business Credit Card Offers for June 2025
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 — for at least the first year.
- 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 at gas stations and restaurants 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
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Features a up to $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
- 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 at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
- 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 at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Sporting no annual fee, a revamped two-tier welcome bonus, and a relationship bonus on your first account anniversary, the Ink Cash 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 at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year. 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
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 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
- Member FDIC
- Rates & Fees
- Earn unlimited 1.5% cash back on every purchase made for your business
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 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
- Member FDIC
- Rates & Fees
- Earn unlimited 1.5% cash back on every purchase made for your business
The Ink Unlimited is a top card for everyday spending, earning 1.5% back on business purchases with no cap on the rewards you can earn. 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.
Capital One Spark Miles for Business
Capital One Spark Miles for Business
Annual Fee$0 introductory fee for the first year; $95 after that
Welcome Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening
The Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles). Your rewards never expire as long as your account is open and in good standing.- Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles per $1 on every purchase, everywhere
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $0 introductory fee for the first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles per $1 on every purchase, everywhere
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $0 introductory fee for the first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
The Spark Miles card offers a quality bonus, a modest annual fee, and an easy-to-understand earning structure. Earn 2X miles on every purchase and 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Miles can be used with 19 Capital One airline and hotel partners. For more information, check out our Capital One Spark Miles review.
Capital One Spark Cash
Capital One Spark Cash
Annual Fee$0 intro for first year; $95 after that
Welcome Bonus Earn $750 Cash Back once you spend $7,500 in the first 3 months from account opening
The Capital One Spark Cash provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, here is no cap on the cash back you can earn.- 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's travel booking site.
- 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's travel booking site.
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 $750 cash back once you spend $7,500 in the first 3 months from account opening. 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.
Capital One Spark Cash Select
Capital One Spark Cash Select
Annual Fee$0
Welcome Offer
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
A no-nonsense business rewards card earning 1.5% cashback on all business expenses with no annual fee.- $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- $0 annual fee
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
- $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- $0 annual fee
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
This is an uncommonly high bonus for a card with no annual fee, offering $500 cash back to new applicants. For small businesses that prefer cash back with a simple earning structure, it doesn’t get much better than earning 1.5% back on all purchases without an annual fee on the Spark Cash Select. See our Spark Cash Select review for more information.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Annual FeeNo annual fee
Welcome Offer:
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.
The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.
- 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, 17.49% - 27.49%, 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 beyond 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.
- Rates & Fees
- 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.
- 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, 17.49% - 27.49%, 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 beyond 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.
- Rates & Fees
- 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 may be surprised to see an offer of just 15,000 on our best offers list, but it's here because the Blue Business Plus doesn't always have a welcome bonus. That means now is an excellent time to apply for this card. No annual fee and a great everyday earning rate make this card one of our favorites, as does the ability to transfer points to the American Express transfer partners without needing another card to unlock this feature. More details are in our Blue Business Plus review.
Enrollment is required for select Amex benefits.
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), The New United℠ Business Card (Rates & Fees), American Express® Business Gold Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), IHG One Rewards Premier Business Credit Card (Rates & Fees), World of Hyatt Business Credit Card (Rates & Fees), Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), Ink Business Premier® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), and The Blue Business® Plus Credit Card from American Express (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
