Best Business Credit Cards for Rewards 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.

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.

We recommend the Capital One Spark Miles for Business to businesses that want to earn cash back on their spending. You also get to earn a 50,000 miles early-spend bonus by spending $4,500 on purchases in the first three months.

Booking hotels and rental cars through Capital One Travel comes with 5X miles per dollar. All other purchases earn 2x miles per dollar.

Using this card outside of the U.S. is ideal as it charges no foreign transaction fees. Cardholders get two free visits to Capital One Lounges each year as well as credit toward Global Entry or TSA PreCheck fees.

There is no annual fee to pay for the first year, but you need to pay $95 per year thereafter. Employee cards come at no additional cost.

Pros

• Flat-rate rewards of 2X bonus miles
• No foreign transaction fees
• New cardholder offers
• Free employee cards
• Flexible payments

• Spend $4,500 in the first three months and earn 50,000 bonus miles
• $0 intro annual fee for the first year, $95 per year thereafter
• 2X miles per dollar
• Employee cards
• Set up automatic payments.
• Zero fraud liability
• Year-end itemized summaries for tax and budgeting purposes
• Purchase records in multiple formats
• Virtual card numbers for making safer payments online
• Tracking and monitoring of all cards
• Purchase alerts for all cards
• Lock and unlock cards using mobile app or online banking

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 Plum Card® from American Express to businesses that are looking for no preset spending limits and wish to earn cash back. Cardholders get unlimited 1.5% cash back on the portion of the balances they pay within 10 days of their statement closing dates. Alternatively, you get up to 60 days to pay your balances off without interest.

This business card comes with a sizable welcome bonus, allowing you to earn $500 as statement credit if you spend $15,000 on purchases in the first three months.

Employee cards come at no extra cost. Using this card outside of the country is ideal as it charges no foreign transaction fees. Various expense management tools aim to simplify how you carry out your business accounting.

This card comes with an annual fee of $250.

Pros

• No preset spending limit
• Good welcome offer
• 1.5% cash back on balances paid within 10 days of statement closing dates
• Up to 60 interest-free days
• No foreign transaction fees
• Option to choose billing cycle

• No preset spending limit
• $250 annual fee
• No foreign transaction fee
• Past due amount-based late payment fees
• Option to change billing date
• $500 statement credit if you spend $15,000 on purchases in three months from account opening
• 1.5% cash back on balances you pay within 10 days of statement closing date
• Up to 60 days without interest, provided you make the minimum payment due in time
• Car rental loss and damage insurance
• No additional fees for employee cards
• Integration with QuickBooks and year-end summaries
• Extended warranty and purchase protection

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.