How do business credit card rewards differ from personal credit card rewards?

Business credit card rewards are often tailored to common business expenses, such as office supplies, travel or advertising. While personal cards might emphasize everyday spending like groceries or gas, business cards cater to the needs of enterprises, ensuring business owners gain the most from their routine transactions.

Can I transfer rewards from my business credit card to a personal loyalty program?

This largely depends on the credit card issuer and the specific program. Some business credit cards allow you to transfer rewards points to personal loyalty programs, especially in the case of travel rewards. Always check the terms and conditions of your card or reach out to customer service for clarity.

What happens to my rewards if I close my business credit card?

Closing a business credit card often means forfeiting any unredeemed rewards associated with that card. It's essential to redeem all your points or cash back before considering closing a card. Some issuers might offer a grace period post-closure, but it's not a guarantee.

Is there a limit to how many rewards I can earn with my business credit card?

Most business credit cards don't cap the amount of rewards you can earn. Still, there might be limitations on category-specific rewards. For instance, a card might offer high rewards for the first $50,000 spent on office supplies annually and a standard rate afterward. Always read the card's terms and conditions to understand any potential restrictions.

Best Business Credit Cards for Rewards in 2023

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
The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a decent interest-free period on purchases. However, with no welcome offer and a cap on cash back earnings, the card's value may be slightly limited for businesses with higher spending or looking to boost their initial rewards balance.
Pros
High flat-rate cash back
No annual fee
Modest intro APR offer on purchases

Cons
Cap on cash back earnings
No welcome offer
Foreign transaction fee
2% cash back on all purchases (up to $50,000 per calendar year, then 1%)
Cash back applied as statement credit each billing cycle
Introductory 0% APR on purchases for 12 months (followed by regular APR of 18.49% to 26.49% variable) (See rates and fees)
No annual fee (See rates and fees)
Regular variable APR of 18.49% to 26.49%
Foreign transaction fee of 2.7% (See rates and fees)
Expanded Buying Power - spend over your credit limit with no over-limit fee (conditions apply)
Terms apply
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
The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.
Pros
Generous welcome points offer
Potentially high rewards
Dynamic bonus categories
Offers monthly credits on select services

Cons
Comes with an annual fee
Complex reward system
High rewards has spending limit
Earn 70,000 Membership Rewards® points after spending $10,000 with the Business Gold Card in the first 3 months. Terms apply.
Earn 4X Membership Rewards® points in the two main categories your business frequents from a list of six eligible ones each billing cycle. Though these top categories might vary, the 4X points apply to the initial $150,000 spent yearly across them, and then it drops to 1X. Only expenses in these top two categories count towards the yearly $150,000 limit.
Secure 3X points on flights booked directly with airlines and prepaid hotel bookings on amextravel.com with your card.
Receive up to $20 in credits monthly on eligible U.S. purchases like FedEx, Grubhub and Office Supplies; potentially saving $240 annually. Enrollment necessary.
Enjoy $12.95 in monthly credits when you auto-renew a Walmart+ membership using the Business Gold Card. Taxes may apply.
Choose between Gold or Rose Gold for your card design.
With $295 annual fee ($375 if application is received on or after 2/1/24)
Terms, rates and fees apply
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
The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.
Pros
High flat-rate cash back on all spending
Bonus cash back on select travel purchases
Generous one-time cash bonus
Comprehensive suite of business tools
No foreign transaction fees

Cons
No option to carry a balance
Annual fee with lower spending
Earn 2% cash back on all spending
Earn 5% cash back on hotels and rental cars booked through Capital One Travel
Earn a one-time cash bonus of $1,200 after spending $30,000 in the first three months
Annual fee of $150 (refunded if you spend at least $150,000 in a year)
No APR (charge card)
Business tools: free employee cards, quarterly and year-end summaries
No foreign transaction fees
Roadside assistance*
Extended warranties on eligible purchases*
Purchase assurance up to 90 days*
Lost or damaged luggage reimbursement*
Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
Terms, rates and fees apply
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
This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.
Pros
Unlimited 1.5% cash back
Bonus cash back on travel booked through Capital One Travel
Generous sign up bonus
No annual fee
No foreign transaction fees
Free employee cards

Cons
Flat-rate cash back could be higher
No intro APR offer
No options to redeem points for travel
Spend $4,500 in the first three months and earn a $500 intro bonus
1.5% cash back on all purchases
5% cash back on travel booked through Capital One Travel
No annual fee
No foreign transaction fees
Free employee cards
Tracking and monitoring of all cards
Business reporting options, like year-end itemized summaries for taxes and purchase records in multiple formats
Terms, rates and fees apply
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
The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.
Pros
Earn miles on every purchase
Flexible redemption options
Application credit for Global Entry/TSA PreCheck
Useful business tools and free employee cards
No foreign transaction fees

Cons
Annual fee after first year
High regular APR
No intro APR offers
Earn 5X miles on hotels and rental cars booked through Capital One Travel
Earn 2X miles on all other spending
Earn 50,000 bonus miles after spending $4,500 in the first three months
Flexible redemption options: transfer to 15+ travel loyalty programs, no blackout date or expiration dates, no limit on earning miles, no minimums for redemption, redeem any airline or hotel purchase for a statement credit
Annual fee of $95 ($0 in first year)
Up to $100 credit for Global Entry/TSA PreCheck
No foreign transaction fees
Business tools: free employee cards, quarterly and year-end summaries and downloadable purchase records
Terms, rates and fees apply
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
The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.
Pros
Substantial cash back on business-specific categories
Attractive welcome offer
No annual fee
Introductory APR offer on purchases
Free additional employee cards

Cons
Limited rewards potential on non-bonus categories
Foreign transaction fees
Cap on cash back rewards
Earn 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined spending each year)
Earn 2% cash back at gas stations and restaurants (on up to $25,000 in combined spending each year)
Earn 1% cash back on all other card purchases
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Introductory 0% APR on purchases for 12 months (followed by 18.49% – 24.49% variable APR)
No annual fee
Foreign transaction fee of 3%
Get employee cards for no additional fee and set individual limits
Terms, rates and fees apply
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
The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.
Pros
Impressive welcome offer
High rewards cap
Boosted rewards redemption through Chase
Travel protections
Free employee cards

Cons
With annual fee
No introductory APR offer
Earn 3X points on travel and select business categories, including shipping, internet, cable and phone services and advertising (up to $150,000 in combined spending each year, then 1X points)
Earn 1X points on all other spending
Earn 100,000 bonus points after spending $8,000 in the first three months
Annual fee of $95
Free employee cards
Travel protections: trip cancellation insurance, trip interruption insurance, and primary rental car insurance
Consumer protections: extended warranty protection, purchase protection, cell phone protection
No foreign transaction fees
Flexible rewards: points don’t expire, no blackout dates, 25% points bonus when booking travel through Chase Ultimate Rewards, various transfer options.
Terms, rates and fees apply
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
The Ink Business Premier℠ Credit Card is a powerhouse for entrepreneurs and businesses alike. If you're often on the move, its travel perks and zero foreign transaction fees are game-changers. This card also generously rewards your spending (especially on larger purchases) and boasts unmatched flexibility when managing cash flow. Its built-in protections are like a security blanket for your transactions, maintaining your coverage in various scenarios. While it does come with an annual fee and demands a solid credit profile, its benefits might just make it your business's best financial companion.
Pros
High cash back rate
Good welcome bonus
No foreign transaction fees
Flexible payment options
Travel and purchase protections

Cons
Significant annual fee
Potentially high APR
Requires good to excellent credit
Limitations on the high cash back rate
Earn a $1,000 cash back bonus when you make purchases totaling $10,000 within the first three months of opening your account
Earn unlimited 5% cash back on travel booked through Chase Ultimate Rewards
Earn 2.5% cash back without limits on purchases over $5,000 and a 2% cash back on all other business expenses
The only business credit card with 2.5% cash back on every purchase of $5,000 or more
Annual fee of $195.
Free employee cards.
Flex for business variable APR: 19.49%–27.49%
No foreign transaction fees
Offers trip cancellation or interruption insurance
Rewards can be redeemed as cash back, gift cards or travel through Chase Ultimate Rewards®
Provides the flexibility to spread out payments on qualified purchases, with interest, up to your Flex for Business limit
Comes with security features like fraud protection, zero liability, purchase safeguards, phone protection and extended warranties
Terms, rates and fees apply
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
The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning. However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.
Pros
Solid flat-rate cash back
Generous welcome offer
Modest intro APR on purchases

Cons
No bonus cash back
No intro APR on balance transfers
Foreign transaction fee
Earn 1.5% cash back on all purchases
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
No annual fee
Introductory APR on purchases for 12 months (followed by variable APR of 18.49% – 24.49%)
Foreign transaction fee of 3%
Free employee cards
Terms, rates and fees apply
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 Marriott Bonvoy Business American Express Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.
Pros
Earn free night awards
Significant hotel perks, including Gold Elite status
Generous welcome offer
No foreign transaction fees

Cons
Annual fee
Modest travel benefits
No intro APR offers
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first six months of Card Membership. Offer Ends 11/1/23.
Earn 6X points on eligible Marriott Bonvoy hotels
Earn 4X points on restaurants, U.S. gas stations, wireless phone services (when purchased directly from U.S. providers) and U.S. shipping purchases
Earn 2X points on all other purchases
Earn three bonus Free Night Awards after you make $6,000 in purchases within the first six months of card membership (redemption level up to 50,000 points for each bonus Free Night Award at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
Annual fee of $125 (see rates and fees)
Flexible points redemption: no blackout dates, no points limits and no expiration for points
Complimentary Gold Elite Status
Receive one free night award each year after renewal (redeemable for a stay at a Marriott property equivalent to up to 35,000 points)
Earn an additional free night after $60,000 spent in a calendar year
No foreign transaction fee (see rates and fees)
Free employee cards with individual limits (see rates and fees)
Travel insurance and consumer protections: secondary rental car insurance, lost, stolen or damaged luggage insurance, purchase protection and extended warranty. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
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 Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.
Pros
No annual fee
Intro APR on purchases
Simple flat-rate rewards on all purchases
Flexible redemption options
Good for small businesses

Cons
No intro APR on balance transfers
Foreign transaction fees
Fees for transferring points and booking flights through American Express Travel
Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
Transfer points to different frequent flyer programs.
No annual fee (see rates and fees)
Foreign transaction fee of 2.7% (see rates and fees)
Flexible credit limit
Get free employee cards
Account management tools like designating an account manager, setting individual card limits, and manage your receipts
Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
Terms Apply
Terms, rates and fees apply
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 Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.
Pros
Impressive welcome offer
Great rewards on business spending
Significant statement credits
Airport lounge access
Extensive travel protections and perks

Cons
High annual fee
No intro APR offers
Earn 5X points on prepaid hotels and flights booked on AmexTravel.com
Earn 2X points on prepaid rental cars booked on AmexTravel.com
Earn 1.5X points on qualifying purchases of $5,000 or more on electronic goods, retailers, software, cloud service providers, construction materials, hardware supplies and shipping providers (on up to $2 million in combined spending each year)
Earn 1X points on all other spending
Earn 120,000 points after spending $15,000 on eligible purchases in the first three months
Annual fee of $695 (See rates and fees)
Flexible points redemption: no blackout dates, no earning caps and points don’t expire
No foreign transaction fees (See rates and fees)
Free access for you and two guests to over 1,400 airport lounges through the American Express Global Lounge Collection
Complimentary night or property credit up to $250 for eligible stays at participating Fine Hotels + Resorts properties
Complimentary night or property credit up to $100 for eligible stays at participation Hotel Collection properties
Up to $400 statement credit on Dell purchases each year
Up to $360 statement credit on Indeed products and services (up to $90 per quarter)
Up to $300 onboard credit on eligible cruise bookings through the Cruise Privileges Program
Up to $200 statement credit for airline fees with a selected airline each year
Up to $189 statement credit for CLEAR® membership application each year
Up to $150 statement credit on select Adobe purchases each year
Up to $120 statement credit on wireless telephone purchases (up to $10 per month)
Up to $100 application credit for Global Entry or TSA PreCheck every 5 years
Free employee cards with individual limits
Travel insurance and purchase protections: trip delay insurance, trip cancellation and interruption insurance, return protection and baggage insurance, secondary car rental insurance, purchase protection and extended warranty coverage (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
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
The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.
Pros
Attainable welcome offer
Hotel perks, including status and free nights
Variety of earning categories
No foreign transaction fees

Cons
Hilton points have a lower value than competitors
Modest annual fee
Earn 12X Hilton Honors Bonus Points on direct Hilton hotel purchases
Earn 2X to 8X points at restaurants using the Hilton Honors Dining Program
Earn 6X points on select travel and business purchases
Earn 3X points on Lyft rides
Earn 3X points on all other spending
Earn 130,000 points after spending $3,000 in the first three months
Earn 10,000 points every 10 nights after you’ve stayed 30 nights in a calendar year, then 30,000 points every 10 nights after you’ve stayed 60 nights in a year
Complimentary Hilton Honors Gold Status, including boosted base points and every fifth night free on reward stays
Receive one free night each year after spending $15,000 and a second free night after spending $45,000 in a calendar year
Receive 10 complimentary visits each year to Priority Pass Select lounges
Earn points and discounts on car rentals with Alamo, Enterprise or National Rental Car
Annual fee of $95 (See rates and fees)
No foreign transaction fee (See rates and fees)
Flexible points redemption: no blackout dates, points caps or point expiration (as long as your membership is active at least every 12 months)
Free employee cards with individual limits
Travel insurance and consumer protections: travel and emergency assistance, baggage insurance, car rental insurance, purchase protection and extended warranty (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
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
The United℠ Business Card is tailored to frequent travelers and business professionals, offering a substantial welcome bonus, rewarding miles on United and various business categories, and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh the annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability.
Pros
Generous welcome offer
Rewards on business categories
Travel perks and protections
No foreign transaction fees

Cons
Annual fee
No intro APR offers
Earn 2X miles on United Airlines purchases, and at gas stations and restaurants, as well as on office supplies, local transit and commuting expenses
Earn 1X miles on everything else
Earn 50,000 bonus miles after spending $5,000 in the first three months
Annual fee of $99 ($0 first year)
Free checked bag for you and a companion on United flights
Receive two annual passes to the United Club lounge each year
Earn a $100 statement credit after making seven United Airlines purchases of at least $100 in a year
Earn 5,000 bonus miles each year that you also have an open personal United credit card
Travel protections: trip cancellation insurance, trip delay insurance, lost and delayed baggage insurance, travel accident insurance, auto rental collision damage waiver and roadside assistance
Receive perks during stays at Luxury Hotel and Resort Collection properties
Free employee cards
No foreign transaction fees
Terms, rates and fees apply

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

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:

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.
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.
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.
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.
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.
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:

Pros

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.

Cons

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 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 CreditCards.com 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.
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