18 Best Credit Cards for Business Expenses in 2018

18 Best Credit Cards for Business Expenses in 2018

credit card advice

Ashley Dull
By: Ashley Dull
Updated: September 19, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Running a business is expensive. No matter the size of your venture, you likely have some sort of overhead, even if it’s only web hosting and internet costs. And as your business grows, so, too, will those ever-present expenses.

With a good rewards credit card, however, you can get a little more room in your business’s bottom line by earning — and redeeming — rewards on all the things your business buys the most. From cash back to points and miles, the right rewards card can make all the difference.

Overall | Travel | Dining | Office Supplies | Communication Services | Advertising

Best Cards for “Overall” Business Expenses

While some folks enjoy carrying a variety of rewards credit cards to ensure they can always earn the maximum rewards no matter what they buy, others simply want one solid card to use for every purchase. Our top picks include some with broad rewards categories as well as an option for category-free cash back.

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 22.99% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card not only provides competitive rewards in a variety of very useful business categories, but it earns the popular, versatile, and valuable Ultimate Rewards® points.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
15.24% - 21.24% Variable
$0
Good/Excellent

The Ink Business Cash℠ Credit Card is ideal for smaller businesses, offering a range of useful business categories and high rewards but with a relatively low bonus category purchase cap of $25,000 per rewards tier per year.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Spark® Cash for Business is designed for those business owners who don’t want to worry about categories, offering an unlimited 2% cash back on all qualifying card purchases year-round.

Best Cards for “Travel” Business Expenses

Despite the idealized jet-setter lifestyle often portrayed in the media, traveling for business on a regular basis can definitely get tiring. But with a good travel rewards credit card, you can turn those business travel expenses into points and miles capable of upgrading your next trip — whether for business or pleasure.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 22.99% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card offers 3X Ultimate Rewards® points per dollar on travel purchases, a broad category that includes flights, hotels, car rentals, parking, and car services like Uber and Lyft. Bonus category earnings are limited to the first $150,000 in combined category purchases per year.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Spark® Miles for Business is a simple, straightforward travel rewards credit card, offering unlimited 2X miles per dollar on all purchases. Miles can be redeemed for statement credit to cover any qualifying travel purchases.

6. American Express Business Platinum Card®

The American Express Business Platinum Card® earns a whopping 5X Membership Rewards® points per dollar for travel booked through amextravel.com. Those points can then be used for travel redemption, or they can be transferred to one of several airline or hotel partners for even more per-point value.

Amex Business Platinum Card®

  • Earn 5X points per $1 spent on flights and hotels booked through amextravel.com
  • Earn 1.5X points per $1 on purchases $5,000 and up
  • Pay $450 annual fee

Cardholders will also enjoy access to over 1,000 global airport lounges and an annual $200 credit to cover baggage fees and other qualifying airline expenses. You can also earn up to 75,000 bonus points for meeting minimum spending requirements.

Best Cards for “Dining” Business Expenses

From company pizza parties to formal business dinners, dining expenses can take up a remarkably large portion of your business budget, making a bonus rewards credit card a near-necessity for many business owners.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
15.24% - 21.24% Variable
$0
Good/Excellent

Ink Business Cash℠ Credit Card cardholders can earn 2% cash back on restaurant purchases, including dine-in and take-out restaurants. Some establishments that primarily sell drinks may not qualify as a restaurant. Bonus rewards are available on up to $25,000 in combined category purchases per year.

8. Business Advantage Cash Rewards Mastercard®

The Business Advantage Cash Rewards Mastercard® from Bank of America offers 2% cash back on dining purchases, including dine-in, fast food, and drinking establishments.

Business Advantage Cash Rewards Mastercard®

  • Earn 3% cash back at gas stations and office supply stores and 2% at restaurants
  • Receive $200 cash back after spending $500 in the first 60 days
  • Pay no annual fee

If your business banks with Bank of America, you could earn extra 25% to 75% in rewards by enrolling in the Business Advantage Relationship Rewards program.

9. SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card allows each cardholder to choose the 3% bonus category from several options, one of which is restaurants and dining. Bonus rewards are capped at the first $50,000 in category purchases each calendar year.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

Other categories you could choose for your 3% bonus rewards include gas stations, select advertising, shipping, or computer hardware, software, and cloud purchases.

Best Cards for “Office Supply” Business Expenses

Whether it’s sticky notes and paper reams or keyboards and digital storage, it’s hard to avoid trips to the office supply store when you have a business to run.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
15.24% - 21.24% Variable
$0
Good/Excellent

The Ink Business Cash℠ Credit Card offers a solid 5% cash back rewards on purchases made at office supply stores, though bonus rewards are capped at $25,000 in combined bonus tier purchases each year.

11. SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card from American Express is designed for business owners, offering 5% cash back on office supply purchases. Bonus rewards are capped at the first $50,000 in category purchases each calendar year.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

The SimplyCash® Plus Business Credit Card’s credit limit varies with card use, allowing cardholders to spend above their credit limit — and earn rewards on those purchases — without fees.

12. U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

The U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® gives an unlimited 3% cash back on purchases made at office supply stores, including qualifying in-store and online purchases.

 U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

  • Earn 3% cash back on gas station, office supply, and wireless service purchases
  • Earn unlimited 1% cash back on all other purchases
  • Pay no annual fee

Cardholders can also receive an annual bonus equal to 25% of the rewards they earned during the previous year, automatically credited after each enrollment anniversary date.

Best Cards for “Communication Service” Business Expenses

It’s hard to find customers if your business can’t communicate with them — and that means more than a phone line in today’s multi-channel marketplace. At the very least, the modern business owner needs a cellular telephone to keep up with clients, social media, and the ever-necessary email.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 22.99% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card offers 3X Ultimate Rewards® points per dollar on a variety of communications services, including internet, cable, and phone services. Bonus category earnings are limited to the first $150,000 in combined category purchases per year.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
15.24% - 21.24% Variable
$0
Good/Excellent

Not only can you earn 5% cash back on your cell phone services, but the Ink Business Cash℠ Credit Card also provides 5% cash back on internet and cable purchases, as well. Bonus rewards are limited to the first $25,000 in combined category purchases each account anniversary year.

15. SimplyCash® Plus Business Credit Card

American Express’s SimplyCash® Plus Business Credit Card provides 5% bonus cash back on wireless communications purchases, along with several other categories, providing bonus rewards on up to $50,000 in purchases every year.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

The SimplyCash® Plus card also provides 3% cash back in a bonus category you can select from options that include US gas stations, restaurants, and more. Earn unlimited 1% cash back on all other purchases.

Best Cards for “Advertising” Business Expenses

When it comes to building a business, spreading the word is a vital necessity. But word of mouth can only travel so fast, making advertising a necessary part of nearly any business’s budget.

Of course, in today’s digital world, advertising means more than TV, print, or radio — you also need to go viral.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 22.99% Variable
$95
Good/Excellent

Among the many other bonus categories that earn 3X Ultimate Rewards® points, the Ink Business Preferred℠ Credit Card also offers 3X points on advertising purchases made with select social media sites and search engines. Bonus category earnings are limited to the first $150,000 in combined category purchases per year.

17. SimplyCash® Plus Business Credit Card

For those who choose it as a bonus category, the SimplyCash® Plus Business Credit Card will provide 3% cash back on select advertising purchases, which can include online, television, and radio purchases made directly from media providers.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

Direct mail services, including list and lead generation services, do not qualify for bonus rewards. Additionally, bonus rewards from the SimplyCash® Plus Business Credit Card are limited to the first $50,000 in purchases each year.

18. American Express Business Gold Rewards

The American Express Business Gold Rewards offers 3X points per dollar on a category chosen by the cardholders, with options that include advertising in select media like television, radio, and digital media.

Amex Business Gold Rewards Card

  • Earn 3X points per $1 in a category of your choice and 2X points per $1 in remaining four categories
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee the first year, then $175

Cardholders also earn 2X points per dollar in the remaining categories, which include gas stations, shipping purchases, and computer hardware, software, and cloud computing purchases made directly from select providers. Rewards are limited to the first $100,000 in purchases, each category, per year.

Smart Card Use Can Help You Save on Business Expenses

No matter what type of business you run, it’s going to come with a few expenses. And while those expenses can vary in size and area with each business, most share some common categories, like office supplies, communications, and advertising.

Business rewards credit cards are designed specifically to help businesses save on the purchases they make the most. With the right rewards card — and smart credit card use — you can put a little wiggle room in your business’s bottom line.