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

The best business rewards credit card isn't just a tool for making transactions; it's a partner in your venture's growth. Think of rewards as small bonuses for every purchase you make. Over time, they can translate to significant savings or investments for your business.

For instance, some of the top cards in the market reward you with points or cash back for everyday business expenses, such as office supplies or dining. Others might offer travel rewards that can be invaluable for businesses that often have employees on the go. These credit cards often come with perks like free access to premium lounges, higher credit limits or special discounts with partner vendors.

When choosing the best business credit cards for rewards, consider what your business spends the most on and how you can maximize your rewards earning potential.

Why You Can Trust Our List

  • American Express Blue Business Cash™ Card

    Straightforward cash back for businesses with no annual fee

    • 1–2% Cash Back*Rewards Rate
    • 18.49% – 26.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    American Express Blue Business Cash™ Card

    Terms, rates and fees apply

  • American Express® Business Gold Card

    A dynamic rewards card for high-spending business owners

    • 1–4 Points per $1Rewards Rate
    • 19.49% – 27.49% VariableAPR
    • $295Annual Fee
    • Good–ExcellentRecommended Credit

  • Capital One Spark Cash Plus

    Generous flat-rate cash back on business expenses

    • 2% Cash BackRewards Rate
    • None (charge card)APR
    • $150Annual Fee
    • ExcellentRecommended Credit

  • Capital One Spark Cash Select for Excellent Credit

    A great no-annual-fee business card with 1.5% cash back

    • 1.5% Cash BackRewards Rate
    • 18.49% – 24.49% VariableAPR
    • $0Annual Fee
    • ExcellentRecommended Credit

  • Capital One Spark Miles for Business

    Best flat-rate rewards card for frequent travelers

    • 2 Miles per $1Rewards Rate
    • 26.24% VariableAPR
    • $95 ($0 first year)Annual Fee
    • Good–ExcellentRecommended Credit

  • Ink Business Cash® Credit Card

    Best for earning rewards on office supplies

    • 1–5% Cash Back*Rewards Rate
    • 18.49% – 24.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

  • Ink Business Preferred® Credit Card

    Great for big welcome offer and ongoing rewards

    • 1–3 Points per $1Rewards Rate
    • 21.24% – 26.24% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit

  • Ink Business Premier℠ Credit Card

    Comes with high cash back rate and welcome offer

    • 1–3 Points per $1Rewards Rate
    • 21.24% – 26.24% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit

  • Ink Business Unlimited® Credit Card

    Great for simple flat-rate rewards and no annual fee

    • 1.5% Cash BackRewards Rate
    • 18.49% – 24.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

  • Marriott Bonvoy Business® American Express® Card

    Great for hotel rewards and perks for business spending

    • 2–6 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $125Annual Fee
    • Good–ExcellentRecommended Credit

  • 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® pointsRewards Rate
    • 18.49% – 26.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

  • The Business Platinum Card® from American Express

    Top-tier business card with premium travel benefits

    • 1–5 Points per $1*Rewards Rate
    • 19.49% – 27.49% VariableAPR
    • $695Annual Fee
    • Good–ExcellentRecommended Credit

  • The Hilton Honors American Express Business Card

    Great for earning Hilton Honors points

    • 3–12 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit

  • United℠ Business Card

    Solid travel card for United fans

    • 1–2 Miles per $1*Rewards Rate
    • 21.74% – 28.74% VariableAPR
    • $99Annual Fee
    • Good–ExcellentRecommended Credit


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 will enable you to earn extra rewards on their purchases. — Lee Huffman, credit card expert at

Should I Get a Business Rewards Credit Card?

Deciding on a business credit card can feel overwhelming. Here are some key considerations to help you determine if a business rewards card is right for you:

  • graphCard icon

    Your spending patterns

    A rewards card can offer valuable points or cash back if your business has consistent monthly expenses. These rewards can quickly add up, especially if you spend in the card's favored categories.

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    Travel frequency

    Business rewards cards often come with travel benefits, like airport lounge access or no foreign transaction fees. If you or your employees travel regularly, these perks can provide both comfort and savings.

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    Loyalty to brands

    Co-branded cards reward you for spending with specific airlines or hotel chains. If your business has a preferred vendor, you can maximize benefits with a co-branded card.

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    Need for flexible credit

    Business credit cards can offer higher credit limits than personal cards. This can be especially useful if your business has fluctuating expenses or requires big-ticket purchases.

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    Management tools

    Many business cards provide tools to help track and categorize expenses. If you're looking to streamline your accounting or budgeting processes, these features can be invaluable.

  • smallBusiness icon

    Cost considerations

    While rewards and benefits are enticing, remember to weigh them against the card's costs. Consider factors like annual fees, APRs and other charges to ensure the card offers good value for your business.

Pros and Cons

Business credit cards for rewards can be an excellent tool for many companies. Still, like all financial products, they come with their own benefits and potential drawbacks. Here’s a balanced look at the advantages and disadvantages:


  • Tailored rewards: Business credit cards often offer rewards that align with everyday business expenses. Whether it's office supplies, travel or advertising costs, you can earn significant points or cash back on these regular expenses.
  • Higher credit limits: Business credit cards often come with higher credit limits than personal cards. This can provide the necessary flexibility for larger purchases or to manage cash flow during leaner months.
  • Valuable perks: Beyond just rewards, many business cards offer additional perks like travel insurance, airport lounge access or discounts with specific vendors. These can add significant value, especially if they match your business's operational needs.


  • Potential for high fees: Some business rewards cards have hefty annual fees. It's essential to weigh the cost of the card against the benefits to ensure it offers value for your business.
  • Temptation to overspend: With the allure of earning rewards, there can be a temptation to spend more than necessary. This can lead to unnecessary debt if not managed carefully.
  • Complexity in rewards redemption: While earning rewards can be straightforward, redeeming them might have restrictions or complex terms. It's important to understand these intricacies to get the most out of your card.

Making the Most of Your Business Rewards Credit Card

A business rewards credit card can offer more than just a convenient payment method — it can be a strategic asset. To truly capitalize on its potential, consider these strategies:

Align Spending With Reward Categories

Most business rewards credit cards offer heightened rewards in specific spending categories, such as travel, dining or office supplies. By understanding where your card offers the highest rewards, you can prioritize those transactions. This way, you maximize points or cash back where it counts most. For instance, if your card offers extra rewards on restaurant spending, consider using it primarily for those purchases.

Regularly Review Welcome Offers and Promotions

Credit card issuers frequently provide special promotions or welcome offers for new cardholders. This can range from bonus points to special discounts with partnered vendors. By staying updated on these offers, you can time your spending to take full advantage. Remember, these offers might have specific terms or spending thresholds, so always read the fine print.

Redeem Rewards Strategically

Earning rewards is just half the equation. How you redeem them can significantly influence the card's value to your business. Some cards offer a higher value for certain redemption options, like travel bookings. If your employees travel frequently, save the rewards and use them for airline tickets or hotel stays.

Stay Updated on Card Features and Benefits

Besides the standard rewards programs, many business credit cards offer additional perks like travel insurance, lounge access or even free software subscriptions. Make a habit of periodically reviewing your card's features and benefits. This ensures you're using all the advantages available to your business.

Monitor Spending and Pay Balances Promptly

To truly benefit from a business rewards credit card, it's crucial to manage it responsibly. Regularly monitor your spending to ensure you're staying within your budget. Furthermore, try to pay off the card balance in full each month. This not only helps avoid interest charges but can also positively influence your business's credit score.

How to Apply for a Business Credit Card With Rewards

Interested in getting a business rewards credit card? We've prepared a guide on how to apply for a card that best matches your business's needs and helps you earn valuable rewards:


Research the options

Start by comparing various business rewards credit cards on the market. Look for cards that align with your spending habits and offer rewards you'll actually use.


Gather necessary documentation

Most credit card companies will require details about your business. This might include your tax identification number, annual revenue and business type. Having these documents handy can expedite the application process.


Check your credit score

Just like personal credit cards, issuers will look at your business's credit score (or your personal one if your business is new). Before applying, check your score to ensure you meet the card's requirements.


Fill out the application

Once you've chosen a card, head to the issuer's website or visit a local branch to complete the application. Ensure you provide accurate details to prevent any delays or issues with the approval process.


Wait for approval

After applying, there may be a waiting period. Some issuers offer instant approval, while others take a few days. If you don’t get an immediate decision, be patient and wait for the issuer to reach out.


Understand the terms

Once approved, take the time to read the card's terms and conditions. Familiarizing yourself with interest rates, reward structures and any associated fees will help you use the card more effectively and avoid potential pitfalls.

Next Steps

Securing the best business credit card with rewards can be a game-changer for many companies. These cards can support your business operations while offering perks that resonate with your spending patterns.

In essence, the right credit card can enhance your business potential, offering both credit and a pathway to make more informed financial decisions.

FAQs on the Best Rewards Business Card

With the number of options on the market, choosing a business rewards credit card can be overwhelming. We answered some frequently asked questions to help you understand the topic and choose the right card for your business.

About Grace Pilling

Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at and Bankrate, where she focused on teaching people how to use credit cards wisely.

*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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