Rates checked as of April 3, 2023.
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Business credit cards that offer rewards can be a handy tool for small business owners. Rather than rely on personal rewards credit cards, small businesses can enjoy benefits more tailored to their needs.
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Business credit cards may offer maximum rewards on travel purchases, gas, office supplies, or other key spending areas for businesses, or they may provide a solid flat rate of cash back, miles, or points on every purchase. Business cards often come with special features, such as employee cards and spending reports that break down cash flow. And business credit cards provide a way for business owners to separate business spending from personal spending.
See Kiplinger's all-around Best Rewards Credit Cards
Whatever the size of your business, be prepared to hand over information such as your business’s name and location, tax identification number (or Social Security number for a sole proprietor), and annual revenue when you apply.
The credit cards below provide ample rewards for business owners. For each card, we’ve calculated a typical annual reward that assumes $31,000 spent annually on the card. A couple of the cards offer 0% introductory interest rates, too, which can be helpful for business owners who want to finance a large purchase interest-free.
If you’re instead looking for a card that provides strong cash back rewards for users of all ages, see the best cash back credit cards. And if you’d like to open a card that offers points or miles for travelers, see our guide to the best travel rewards credit cards.
Interest rates, fees, rewards and other terms listed in this article are subject to change. Before you apply for a credit card, check its current terms and conditions with the issuer.
Amex Express Blue Business Cash
(opens in new tab)- Purchases Intro APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors as determined at the time of account opening (See Rates and Fees (opens in new tab))
- Annual fee: None (See Rates and Fees (opens in new tab))
- Top rewards rate: 2% back on on all eligible purchases up to $50,000 spent each year, then 1%
- Other benefits: 1% cash back on all eligible purchases after the $50,000 threshold is met; when needed, you can spend beyond your card’s credit limit—the amount adjusts based on your card usage, credit record and other factors
- Business-friendly benefits: Add employee cards to your account, designate an account manager who has access to the account, and receive a year-end summary that charts your annual spending
- Intro offer: Earn $250 statement credit after spending $3,000 in your first 3 months
Capital One Spark Miles Mastercard
(opens in new tab)- APR: 25.74% variable
- Annual fee: $95, waived the first year
- Top rewards rate: Two miles per dollar on every purchase, plus five miles per dollar on hotel and rental-car bookings through Capital One Travel (opens in new tab)
- Other benefits: Credit of up to $100 every four years to reimburse the application fee for the Global Entry or TSA PreCheck airport-screening programs and two free yearly visits to Capital One’s airport lounges
- Business-friendly benefits: Free employee cards and controls to set spending limits on them, plus the ability to download purchase records into various formats (such as Excel or Quicken) and assign an account manager
- Redemption: Exchange miles at a rate of a penny each for account credits on travel purchases or for travel bookings through Capital One; or transfer them to any of Capital One’s partner airline and hotel loyalty programs, including those of British Airways and Choice Hotels
- Sign-up bonus: 50,000 miles if you spend $4,500 in the first three months
Chase Ink Business Cash
(opens in new tab)- APR: 0% for 12 months on purchases, then 17.99% to 23.99% variable
- Annual fee: None
- Top rewards rate: 5% cash back on the first $25,000 in combined spending each year at office supply stores and on internet, cable and phone services
- Other benefits: 2% cash back on the first $25,000 in combined spending each year at gas stations and restaurants; 1% back on all other purchases
- Business-friendly benefits: Free employee cards, with the ability to set individual spending limits on them; integrate your Chase Ink card with bookkeeping software
- Redemption: Points earned are worth a penny each if you redeem them for cash back, gift cards, or travel
- Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.
Other Best Buy Credit Cards
- Kiplinger's guide to the best rewards credit cards
- Kiplinger's guide to the best cash back credit cards
- Kiplinger's guide to the best balance transfer credit cards
- Kiplinger's guide to the best travel rewards cards
- Kiplinger's guide to the best student credit cards
- Kiplinger's guide to the best 0% APR credit cards
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