MoneyGeek's Take

Best Business Credit Cards for Rewards in 2023

The best business rewards credit cards give you the ability to earn higher-than-usual rewards/cash back, and they tend to come with sizable welcome bonus offers too. Because they tend to include valuable features and benefits, a number of these charge annual fees.

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This article is part of our larger series on Best Business Credit Cards

Advertising & Editorial Disclosure

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The best business credit cards for rewards offer higher reward earn rates on category-based spending or high flat rates across all spending. The top cards from this segment also come with spend-based welcome offers.

Some of the top business rewards credit cards charge no foreign transaction fees, making them ideal for use when your business takes you outside of the U.S. or when ordering from international vendors. Examples of such cards include the Hilton Honors American Express Business Card and the Capital One Spark Cash Plus Credit Card.

Getting a co-branded business rewards credit card might work well for you if your business favors using any particular airline or group of hotels. Other factors you’ll want to consider when making a selection include annual fees, APRs and added benefits.

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek's Take: Top 5 Business Credit Cards for Rewards

Quick Summary

Not all business rewards credit cards offer the same rewards/cash back rates across different spending categories, which is why you’ll want to pay close attention to this when deciding which one is right for you. In addition, the top cards from this segment come with varied welcome offers. We’ve selected the top five cards based on these factors as well as APRs, annual fees, foreign transaction fees and added perks. You’ll find more options by scrolling further down the page.


  • The Hilton Honors American Express Business Card

    This business credit card is perfect for earning Hilton Honors points


    • Good–ExcellentRecommended Credit
    • $95Annual Fee
    • 3–12 Points per $1*Rewards Rate
    • 12xRewards Rate at Hotels
    • 6xRewards Rate on Gas

    The Hilton Honors American Express Business Card

    Terms, rates and fees apply

  • Marriott Bonvoy Business® American Express® Card

    Excellent card for maximizing the rewards you earn while traveling


    • Good–ExcellentRecommended Credit
    • $125Annual Fee
    • 2–6 Points per $1*Rewards Rate
    • 6xRewards Rate at Hotels
    • 4xRewards Rate on TV, Phone, Internet Services

    Marriott Bonvoy Business® American Express® Card

    Terms, rates and fees apply

  • Capital One Spark Cash Plus

    Excellent card for earning rewards through employee spending


    • ExcellentRecommended Credit
    • $150Annual Fee
    • 2% Cash BackRewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

    Capital One Spark Cash Plus

    Terms, rates and fees apply

  • Capital One Spark Miles for Business

    Best flat-rate rewards card for frequent flyers


    • Good–ExcellentRecommended Credit
    • $95Annual Fee
    • 2 Miles per $1Rewards Rate
    • 2xRewards Rate at Hotels
    • 2xRewards Rate on Groceries

    Capital One Spark Miles for Business

    Terms, rates and fees apply

  • The Plum Card® from American Express

    Great no preset spending limit card with flexible payback methods


    • Good–ExcellentRecommended Credit
    • $250Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on Groceries
    • 1.5xRewards Rate on Gas

    The Plum Card® from American Express

    Terms, rates and fees apply

Summary of the Best Business Cards for Rewards

Take a quick look at how all the top cards from this category fare across parameters such as APRs, welcome offers and rewards rates by going through this business rewards card comparison table.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • The Hilton Honors American Express Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
  • Marriott Bonvoy Business® American Express® Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
  • Capital One Spark Cash Plus
    Excellent card for earning rewards through employee spending
    2% Cash Back
    $150
  • Capital One Spark Miles for Business
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
  • The Plum Card® from American Express
    Great no preset spending limit card with flexible payback methods
    1.5% Cash Back
    $250
  • Ink Business Cash® Credit Card
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
  • Capital One Spark Cash Select - $500 Cash Bonus
    A great no-annual-fee business card with 1.5% cash back
    1.5% Cash Back
    $0
  • Ink Business Unlimited® Credit Card
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
  • The Business Platinum Card® from American Express
    A good business card for premium travel benefits
    1–5 Points per $1*
    $295
  • Ink Business Preferred® Credit Card
    A great card to maximize earning unlimited rewards
    1–3 Points per $1
    $95
  • Costco Anywhere Visa® Business Card by Citi
    An excellent no-annual-fee rewards card for Costco members
    1–4% Cash Back*
    $0
  • American Express® Business Gold Card
    A dynamic rewards card for high-spending business owners
    1–4 Points per $1
    $295
  • Southwest® Rapid Rewards® Performance Business Credit Card
    An excellent business card with Southwest and other travel benefits
    1–3 Points per $1*
    $199
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
    One of the top business travel cards for frequent American Airlines travelers
    1–2 Miles per $1*
    $99
  • Delta SkyMiles® Platinum Business American Express Card
    A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status
    1–3 Miles per $1
    $250
  • United℠ Business Card
    A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    1–2 Miles per $1*
    $99
  • Delta SkyMiles® Gold Business American Express Card
    A great miles rewards card with no foreign transaction fee for frequent business travelers
    1–2 Miles per $1
    $99
  • Delta SkyMiles® Reserve Business American Express Card
    A card that offers many rewards for business travelers who fly Delta frequently.
    1–3 Miles per $1
    $550
  • Southwest® Rapid Rewards® Premier Business Credit Card
    A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities
    1–2 Points per $1*
    $99
  • American Express Blue Business Cash™ Card
    A simple cash back rewards card that helps you avoid hassles
    1–2% Cash Back*
    $0
  • The Blue Business® Plus Credit Card from American Express
    Great no-annual-fee card for earning rewards on business spending
    up to 2X Membership Rewards® points
    $0
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MONEYGEEK PRO TIP

Many business credit cards allow you to add employee cards at no additional charge. These cards help you track employee spending, make accounting simpler and allow you to earn additional rewards on their purchases. -- Lee Huffman, credit card expert at BaldThoughts.com.

How to Compare Business Credit Cards & Intro Offers

Since you have a significant number of business rewards cards to choose from, paying attention to your spending patterns and other factors remains crucial if you hope to find a card that works well for you.

1

Rewards/cash back rate

Determine if you might benefit more from getting a card that offers a high flat rewards rate or one that offers higher earn rates when you spend across specific categories. For example, the Amex Marriott Bonvoy Business Card offers up to 6x points on category-based spending. The Capital One Spark Cash Plus Card, on the other hand, offers 2% cash back on all business purchases.

2

Welcome offer

Just how rewarding a welcome offer you get depends on the card you select. For instance, the Amex Plum Card comes with a welcome offer that lets you earn a $500 statement credit by spending $15,000 on purchases in the first three months. With the Capital One Spark Miles for Business Card, you get to earn a one-time early spend bonus of 50,000 miles after spending $4,500 on purchases in the first three months.

3

APR

It’s common for business rewards credit cards to come with higher APRs than business cards with no rewards/cash back. As a result, if you expect to maintain revolving balances on your card from one month to the next, you might be better off looking at what low APR business cards have to offer. You may also benefit by checking our selection of the top business cards with 0% APR offers on purchases.

4

Annual fees

Business rewards credit cards with the best rewards/cash back rates and added benefits typically charge annual fees, as is the case with the Amex Hilton Honors Business Card, the Amex Plum Card and the Ink Business Preferred® Credit Card. Some good business rewards cards that come with no annual fees include the Amex Blue Business Plus Credit Card, the Ink Business Cash® Credit Card Credit Card and Capital One Spark Cash Select - $500 Cash Bonus Card.

5

Foreign transaction fees

If you get a business rewards card that charges foreign transaction fees, expect to pay up to 3% extra on every international transaction. Some of the cards from this segment that waive this fee include the Hilton Honors American Express Business Card, the Capital One Spark Miles for Business Card, the Ink Business Preferred® Credit Card and the CitiBusiness AAdvantage Platinum Select Mastercard.

6

Co-branded or not

If your business frequently uses any particular group of hotels or airlines, you might benefit by getting a co-branded card that offers brand-specific perks. Examples of such cards include the Amex Marriott Bonvoy Business Card, the Amex Delta SkyMiles Platinum Business Card, the Southwest® Rapid Rewards® Performance Business Credit Card, the United℠ Business Card and the CitiBusiness AAdvantage Platinum Select Mastercard.

7

Added features/benefits

The best business credit cards for rewards give you access to various expense management tools and let you get employee cards at no extra cost. Other card-specific perks might come in the form of complimentary loyalty program status upgrades, priority passes, purchase protection, travel insurance and no preset spending limits.

>>MORE: BEST CREDIT CARD COMBINATIONS TO MAXIMIZE REWARDS

Further Reading

About Rajiv Baniwal


Rajiv Baniwal headshot

Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. Meticulous in his research, he provides accurate and up-to-date information. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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