Choosing the best business credit card with rewards can significantly impact your company’s cash flow, travel perks, and long-term growth. With generous welcome bonuses, high earning rates, and flexible redemption options, today’s top business credit cards are designed to reward entrepreneurs, startups, and established companies alike.
In this guide, we review the top business credit cards for rewards, breaking down earning potential, benefits, and who each card is best for.
Best Business Credit Cards With Rewards (Quick Overview)
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Best Overall Rewards: Chase Ink Business Preferred®
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Best Cash Back: Chase Ink Business Cash®
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Best Premium Travel Rewards: American Express Business Platinum®
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Best Flexible Points: American Express Business Gold®
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Best for Flat-Rate Rewards: Capital One Spark 2X Miles
1. Chase Ink Business Preferred® Credit Card
Best Overall Business Rewards Card
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Welcome Bonus: High-value points after minimum spend
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Rewards Rate:
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3X points on travel, shipping, internet, cable, and advertising
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1X on all other purchases
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Annual Fee: Moderate
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Why It’s Great:
Chase Ultimate Rewards® points transfer to airline and hotel partners, offering excellent redemption value.
Best for: Businesses with high marketing, travel, or shipping expenses.
2. Chase Ink Business Cash® Credit Card
Best Business Cash Back Card
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Welcome Bonus: Strong cash bonus
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Rewards Rate:
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5% cash back on office supplies and internet/phone services
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2% on gas and dining
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Annual Fee: $0
Best for: Small businesses seeking no annual fee and predictable cash back.
3. American Express® Business Platinum Card
Best Premium Business Travel Card
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Welcome Bonus: One of the highest in the business card market
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Rewards Rate:
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5X points on flights and prepaid hotels via Amex Travel
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Key Benefits:
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Airport lounge access
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Airline fee credits
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Hotel elite status
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Best for: High-revenue businesses and frequent business travelers.
4. American Express® Business Gold Card
Best for Category-Based Rewards
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Rewards Rate:
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4X points in your top two spending categories (from a selected list)
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Annual Fee: Premium but justified by rewards
Best for: Businesses with variable monthly expenses like advertising, gas, or shipping.
5. Capital One Spark 2X Miles for Business
Best Flat-Rate Rewards Card
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Rewards Rate:
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Unlimited 2X miles on every purchase
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Annual Fee: Waived first year
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Why It’s Great:
Simple earning structure with no category tracking.
Best for: Business owners who want effortless rewards.
How to Choose the Best Business Credit Card With Rewards
When comparing business credit cards, consider:
✔ Spending categories
✔ Redemption flexibility
✔ Annual fees vs benefits
✔ Travel perks
✔ Business size and revenue
The best card is the one that matches your spending habits.
Business Credit Cards vs Personal Cards
Using a dedicated business credit card can help:
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Separate personal and business expenses
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Build business credit
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Access higher credit limits
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Unlock business-specific rewards
Most issuers allow sole proprietors and freelancers to apply using their SSN.
Final Verdict: Which Business Credit Card Is Best?
There is no single “best” card for everyone—but for most businesses:
⭐ Best Overall: Chase Ink Business Preferred®
⭐ Best Cash Back: Chase Ink Business Cash®
⭐ Best Travel: Amex Business Platinum®
Choosing the right business credit card with rewards can generate thousands of dollars in value each year.