Best Business Credit Cards for Dining in 2022

We love the Hilton Honors American Express Business Card not only because it offers a high reward rate for spending at Hilton properties but for its reward rate that applies to other business-specific spending.

You get to earn 130,000 bonus points if you spend $5,000 on purchases in the first three months.

Using this card at Hilton properties comes with 12X points. It offers 6X points for spending on wireless telephone services purchased directly from U.S. service providers, on flights booked with Amex Travel or directly with airlines, on car rentals booked directly through select companies, on U.S. purchases for shipping, at U.S. gas stations and at U.S. restaurants.

You qualify for a free weekend night reward if you spend $15,000 on eligible purchases in a calendar year. If you spend $60,000 on eligible purchases in a calendar year, you earn a second free weekend night reward.

All cardholders get complimentary Hilton Honors Gold status, which comes with added perks such as daily food & beverage credit (at U.S. hotels) or continental breakfast (at non-U.S. hotels) and availability-based room upgrades.

Your linked Priority Pass Select membership brings with it 10 complimentary airport lounge visits each year. Not having to pay foreign transaction fees may lead to savings when you travel overseas. Other travel benefits include complimentary baggage insurance plan and car rental loss and damage insurance.

Extended warranty and purchase protection are in place to safeguard your business purchases. You may choose to get additional employee cards, and you also get access to different expense management tools.

Pros

• Ability to earn considerable bonus points
• High reward rates across multiple categories
• Complimentary Hilton Honors Gold status
• Spend-based free night rewards
• No foreign transaction fees
• Additional employee cards
• Dedicated account manager
• Integration with QuickBooks and year-end expense summaries

• Earn 130,000 bonus points if you spend $5,000 on purchases within six months from account opening.
• Spending at properties within the Hilton portfolio comes with 12X points.
• You earn 6X points at U.S. restaurants, at U.S. gas stations, on wireless telephone service purchased directly from U.S. service providers, on U.S. purchases for shipping, on car rentals booked directly through select companies and on flights that you book through Amex Travel or directly with airlines.
• You earn 3X points on all other purchases.
• Any additional employee cards you get earn reward points as well.
• If you spend $15,000 on purchases in a calendar year, you earn a free night reward.
• If you spend a total of $60,000 on purchases in a calendar year, you earn an additional free night reward.
• By enrolling in the Priority Pass Select program, you get 10 complimentary airport lounge visits each year.
• Safeguard your travels and purchases through car rental loss and damage insurance, baggage insurance plan, purchase protection and extended warranty.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Marriott Bonvoy Business® American Express® Card because of its generous reward points system. For instance, when you spend money at participating Marriott properties, you earn 6 points per $1 spent. For specific spending categories, such as at restaurants and gas stations, you earn 4 points. Purchases that don't qualify for special reward rates still earn 2 points.

This card brings with it a host of Marriott-specific benefits. In addition to free rewards nights, for example, cardholders receive complimentary Marriott Bonvoy Silver Elite status and premium on-property internet access.

You may also benefit by using this card outside of the U.S., as it does not come with any overseas transaction fees.

Pros

• Earn 75,000 Bonus Marriott Bonvoy Points by spending $3,000 within three months
• Earn up to 6 points per $1
• Redeem points for free Marriott nights, air travel or cab rentals
• No blackout dates when you redeem points for free nights
• No foreign transaction fees
• No over-limit fees
• Employee cards
• Free night awards
• Marriott-specific benefits
• Travel and purchase covers

• Become a Marriott Bonvoy Business member automatically.
• Earn 75,000 Bonus Marriott Bonvoy Points by spending $3,000 within three months
• Earn 6 points per $1 on eligible purchases at participating Marriott Bonvoy hotels.
• Earn 4 points per $1 on eligible purchases in the U.S. at gas stations, at restaurants, on wireless telephone services purchased directly from service providers and on shipping purchases.
• Earn 2 points on all other eligible purchases.
• Redeem points for free Marriott nights as well as for air travel and cab rentals through different travel partners.
• Earn a one free night award every year and qualify for another if your annual spending exceeds $60,000.
• Get complimentary premium in-room internet access when you stay at participating Marriott Bonvoy hotels.
• Earn Elite night credits to get closer to the next level of your Marriott Bonvoy Elite status.
• Pay no international transaction fees.
• Benefit through intro offers for new cardholders.
• Get baggage insurance, car rental loss and damage insurance, purchase protection and extended warranty.
• Get employee cards and set individual spending limits.
• Get access to a range of Amex offers.
• Simplify accounting by designating account managers and getting year-end summaries.
• Use Vendor Pay to improve cash flow.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Costco Anywhere Visa® Business Card by Citi for small businesses that are Costco members and are looking for a no-annual-fee card. Category-based spending lets you earn up to 4% cash back. You may redeem the cash back you earn at Costco Warehouses across the U.S. This card also comes with a competitive APR for purchases.

Using this card when traveling outside of the U.S. makes sense as it does not charge any international transaction fees.

Purchases you make using this card receive cover through extended warranty as well as damage and theft purchase protection.

Cardholders may also use the Citi Entertainment and Citi Concierge services to good effect.

Pros

• Pay no annual fees
• Pay no foreign transaction fees
• Earn 4% cash back on all gas purchases globally for up to $7,000 in spending per year, and 1% thereafter
• Earn 3% cash back when spending at restaurants and on eligible travel purchases globally
• Earn 2% cash back on all non-gas related purchases at Costco and Costco.com
• Earn 1% cash back on all other purchases
• Redeem cash back for cash or merchandise at Costco Warehouses across the U.S. and Puerto Rico
• Competitive APR for purchases
• Fraud early warning to safeguard your account
• Extended warranty and damage and theft purchase protection to safeguard your purchases
• Access to presale tickets and special events via Citi Entertainment
• 24/7 access to Citi Concierge

• $0 annual fee
• Competitive APR for purchases
• 4% cash back on spending of up to $7,000 per year on all gas purchases globally, and 1% thereafter
• 3% cash back on spending at restaurants and on eligible travel purchases worldwide
• All purchases at Costco and Costco.com (other than gas) come with 2% cash back
• Spending across all other categories gets you 1% cash back
• Redeem earned cash back for merchandise or cash at any Costco warehouse in the U.S. and Puerto Rico
• No foreign transaction fees
• Complimentary extended warranty and damage and theft purchase protection
• Complimentary access to Citi Concierge and Citi Entertainment
• Fraud early warning in case of suspicious activity

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Ink Business Cash Credit Card because of its generous 5% rewards rate on office supplies. This rate also applies to your phone, internet and cable subscriptions. Spending across all other categories comes with 2% or 1% rewards.

Not having to pay any annual fees is great. Being able to redeem your rewards in different ways, be it as cash back or for travel, is a definite plus too.

You may get free employee cards that come with purchase and travel protection, thereby giving your employees added peace of mind.

Integrating your Ink credit card with bookkeeping software is easy and simplifies accounting.

If you apply in time, you can take advantage of an intro 0% APR offer and a $900 spend-based bonus cash back offer.

Pros

• Generous introductory cash back and APR offers
• No annual fees
• Free employee cards
• Redeem points for cash, travel, gift cards and more
• Points don't expire for the life of the account
• Purchase and travel protection

• Earn a $900 cash back bonus if you spend $6,000 on purchases in the first three months.
• Benefit through a 0% intro APR offer for the first 12 months, then variable APR 16.24% – 22.24% after that.
• Pay no annual fees for as long as your account remains active.
• Earn 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year.
• Earn 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year.
• Earn 1% cash back on all other purchases.
• Your rewards remain valid for as long as you keep using your card.
• Set individual spending limits for employee cards.
• All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch.
• Fraud protection safeguards you against fraudulent transactions.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Capital One Spark Cash Plus is ideal for businesses that wish to earn cash back as it offers 2% cash back on all purchases. It also comes with a sizeable early spend bonus offer through which you can earn up to a $1,000 cash bonus - $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months.

$500 if you spend $5,000 in the first three months, and an additional $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening.

Employee cards come at no extra cost. Setting up automatic payments and recurring transactions is possible. You get access to different expense management tools. This card comes with no foreign transaction fees. It charges an annual fee of $150.

Pros

• Early spend bonus offer
• 2% cash back for each purchase with no restrictions on categories or spending limits
• No monthly APR
• Reward points have no expiration date
• No fees for foreign transactions and over-limit spending
• AutoPay available to pre-schedule payments

• The early spend bonus is paid in two tiers: $500 after spending $5,000 within the first three months and an additional $500 when you spend $50,000 within the first six months.
• The annual fee is $150.
• If employee cards are linked, all earn 2% reward points.
• You can use reward points to buy gift cards or to pay for previous purchases.
• You can get an emergency card replacement and a cash advance if your card is lost or stolen.
• You can download purchase records in various formats such as Excel, QuickBooks and Quicken.
• You can download year-end summaries for budgeting and tax-related purposes.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.