21 Best Small Business Credit Cards with Rewards (2018)

21 Best Small Business Credit Cards with Rewards (2018)

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: September 13, 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.

According to my uncle, owning a business is remarkably similar to raising a child. Its ups are your ups, its downs are your downs — and everything costs twice as much as you expected.

When it comes to the costs of raising a family, many consumer credit cards can help you take the edge off your expenses by offering lucrative purchase rewards such as cash back rebates or vacation-ready air miles. In another parallel, your business can also earn a little budget boost from the right credit card, with rewards options that will fit the needs of nearly any business.

Signup Bonus | Points | Cash Back | Office Rewards | Miles | Hotel Rewards | Fair Credit

Best “Signup Bonus” Business Credit Cards

Signup bonuses may just be the best kind of credit card rewards, as they eliminate the need to wait for rewards to accumulate. Instead, you’ll receive a big chunk of rewards all at once, taking the bite out of a large purchase or kick-starting your next great travel adventure.

The majority of credit card signup bonuses will require you to reach a set purchase amount with your card, within a given time frame, to earn the bonus. While tempting, avoid making purchases you can’t pay off right away solely to earn a signup bonus, as interest fees can quickly eliminate any savings. Our top business cards for signup bonuses include both cash back and miles options.

  • 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

In addition to a really good-sized signup bonus, the Capital One® Spark® Cash for Business has an everyday unlimited rewards rate that will make your consumer cards jealous. You’ll even skip the annual fee for the first year, piling on the savings.

The Ink Business Cash℠ Credit Card from Chase is a popular choice for business owners of all types, offering huge rewards in common business-related categories, like office supplies and communication services. The signup bonus for the Ink Business Cash card is smaller than that offered by the Capital One® Spark® Cash for Business, but the spending requirement may be more attainable for some businesses with fewer expenses.

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

Similar to its cash-back companion, the Capital One® Spark® Miles for Business has a solid signup bonus, this one offering enough miles to get you flying for free in no time — and the everyday rewards rate to keep you in the sky.

No matter which credit card you select, it’s important to remember that signup bonuses are altered on a regular basis, often as frequently as every few months. Always check for the latest offers before applying for a new signup bonus credit card.

Best “Rewards Points” Business Credit Cards

If there’s one thing any business owner needs, it’s probably flexibility — and that extends to your credit card rewards. Rewards points are versatile little nuggets of savings that can be redeemed for an array of options, including cash back, merchandise, and travel expenses.

As with other types of credit card rewards, the way you earn rewards points will depend on the specific card, and many will provide flat-rate rewards as well as bonus categories. Find the categories that best fit your business expenses to maximize points. Our picks have bonuses ranging from airfare purchases to office supplies.

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
17.74% - 22.74% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card is a solid choice for frequent travelers, offering 3X point per dollar in several bonus categories that includes travel. Plus, you’ll earn the popular Chase Ultimate Rewards®, which are much-lauded for being extremely flexible travel rewards.

5. U.S. Bank Business Edge™ Select Rewards Card

The U.S. Bank Business Edge™ Select Rewards Card has broad bonus rewards categories that let you customize your rewards to save on the purchases you make most frequently.

U.S. Bank Business Edge™ Select Rewards Card

  • Earn 3X rewards points on a broad bonus category of your choice, including day-to-day expenses, automotive, and travel/entertainment
  • Earn unlimited 1X point on all other purchases
  • Pay no annual fee

In addition to customizable bonus rewards, this card offers unlimited 1X point per dollar on all other purchases. It also comes with an attainable signup bonus and an intro-APR offer for new purchases.

6. Business Platinum Card®

A killer card for businesses with big budgets, the American Express Business Platinum Card® provides bonus points for spending on flights and hotels when you book through American Express’s travel portal. You’ll also get bonus rewards for large purchases.

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
  • Receive up to 75,000 bonus points for meeting spending requirements

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. The credit helps offset the hefty $450 annual fee.

The value you get out of your rewards points can vary based on what you redeem them for, with travel redemption often providing the greatest per-point value. Do a little research before redeeming to ensure you get the most pow for your points.

Best “Cash Back” Business Credit Cards

Cash back rewards act as a universal rebate, offering a simple, straightforward way to save on every purchase. Selecting the right cash back business credit card can be tricky, as several types of programs exist, and the best program will depend on your particular spending habits.

For example, some cards will offer flat-rate rewards on every purchase, such as the unlimited 1.5% cash back provided by the Capital One® Spark® Cash Select for Business. Other programs will have a lower general rate but offer special bonus categories to boost your rewards. Start with our top-rated options to compare your cash back options.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

In addition to a solid everyday earnings rate, the Capital One® Spark® Cash Select for Business has a nice signup bonus and an introductory 0% APR offer to help you purchase without fees.

BUSINESS CARD RATING

★★★★★
4.7

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 unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
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
14.99% - 20.99% Variable
$0
Good/Excellent

This card offers an unlimited 1.5% cash back that makes it easy to save no matter where you purchase, which can be ideal for businesses with expenses that don’t fall into the typical business categories. You’ll also get a great signup bonus, an intro-APR offer, and pay no annual fee.

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

Another option with bonus cash back categories, the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® lets you rack up the rewards when you spend on gas, office supplies, and wireless services.

 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, ever

New Business Edge cardholders can also spend without interest fears with the introductory 0% APR offer, which provides nine months of interest-free purchasing.

When considering cash back rewards cards, keep in mind that some cash back programs will have certain minimums for redeeming your rewards. Cash back can typically be redeemed for a statement credit, check, or retailer gift card.

Best “Office Rewards” Business Credit Cards

Despite the ongoing transformation of the workplace into an increasingly digital world, offices still need office supplies — a lot of office supplies. Post-It notes alone are a billion-dollar product, and that’s before you purchase the pens to start noting anything.

If your local office supply store knows your name and your office phone rings off the hook, your best business card for rewards will likely be one that focuses on office-based rewards. The cards on this list include big bonuses for purchases in categories you use often, which can add up to significant savings.

The Ink Business Cash℠ Credit Card offers an outstanding 5% cash back on office supply purchases, as well as internet, cable, and phone purchases, on up to $25,000 in combined category purchases each cardholder year.

11. Huntington Voice Business Credit Card

The Huntington Voice Business Credit Card? is a customizable cash back rewards card that allows cardholders to choose their own 4% cash back category each quarter from a list that includes Utilities & Office Supply Stores as a bonus rewards option.

Huntington Voice Business Credit Card℠

  • Earn 4% cash back in a category of your choice on up to $7,000 in category purchases each quarter
  • Earn unlimited 1% cash back on all other purchases
  • Pay no annual fee

This card charges no annual fee or foreign tranaction fees. It also offers unlimited employee cards with the ability to set individual spend controls.

12. SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card from American Express is one of the more versatile business rewards cards, providing 5% cash back at US office supply stores and wireless service providers to ensure you always have what you need to keep your business going.

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, ever

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.

A vital part of making the most out of credit card rewards, whether for your business or your family, is to actually redeem them. While this may seem like a silly reminder, nearly a third of cardholders waste rewards by letting them lie fallow. Don’t be a statistic — redeem your credit card rewards.

Best “Air Miles” Business Credit Cards

A great way to add a little pleasure to your next business trip, business credit cards that reward air miles can help you save for your dream vacation with every Post-It purchase and cross-country meeting. Many miles cards will even offer bonus miles for travel-related purchases to help boost your earnings rate.

The major decision to make when choosing a miles credit card is whether you want flexible redemption options or branded airline perks. We’ve picked cards with both rewards types to help get you started.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 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
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

With redemption options free from blackout dates or brand restrictions, the miles you earn with your Capital One® Spark® Miles Select for Business credit card can be extremely versatile. Help your stockpile soar by meeting the signup bonus’s spending requirement.

14. Delta Business Gold

Flying into more than 325 cities across the globe, Delta SkyMiles can help you get just about anywhere. You can use the Delta Business Gold Card for your business purchases to earn miles without ever stepping onto a plane. And you’ll get bonus miles for Delta purchases when you do fly.

Business Gold Delta SkyMiles® Credit Card from American Express

  • Earn 2X miles per $1 spent on qualifying Delta purchases made with your card
  • Earn 1X mile per $1 on all other purchases
  • Pay no annual fee the first year, then $95

The signup bonus offered with the Delta Business Gold card is no bag of peanuts, providing 50,000 bonus miles when you spend $2,000 with your card in the first three months.

15. CitiBusiness American Airlines

For American Airlines devotees, the CitiBusiness American Airlines credit card can be an excellent choice. Cardholders will earn miles on every purchase in addition to receiving special perks, such as a free checked bag on American Airlines flights and preferred boarding.

 CitiBusiness American Airlines

  • Earn 2X miles per $1 spent in select business categories that include gas stations & communication services
  • Earn 2X miles per $1 spent on American Airlines purchases
  • Pay no annual fee the first year, then $95

Cardholders who spend at least $30,000 a year on their CitiBusiness American Airlines card will receive a Companion Certificate good for one round-trip domestic economy trip, potentially worth hundreds.

Another consideration when weighing air miles credit card options is whether the card is actually worth taking with you when you fly. Many credit cards charge hefty foreign transaction fees that can make them a pain abroad; select an air miles card with no foreign transaction fees to get the most out of your pick.

Best “Hotel Rewards” Business Credit Cards

Few things can make or break your business trip like the quality of your hotel. It’s hard to reach “well-rested” if you’re stuck trying to sleep on scratchy sheets or while suffering through the trials of thin hotel walls.

A great hotel rewards credit card can help you earn your way to the best accommodations while you make the purchases your business already needs. Begin your search for the right hotel rewards card with our top picks, and give yourself a reason to look forward to that next big business trip.

16. Starwood Preferred Guest® Business Credit Card

The Starwood Preferred Guest® Business Credit Card will not only earn bonus rewards on stays at any of the 1,300-plus Starwood properties but thousands of Marriott properties, as well. And, of course, you’ll get 2X per $1 on all other qualifying purchases.

Starwood Preferred Guest® Business Credit Card

  • Earn 6X points per $1 you spend at eligible Starwood or Marriott properties
  • Earn 4X on purchases in select business categories
  • Pay no annual fee the first year, then $95

One huge perk of the Starwood Preferred Guest program is that Starpoints can be transferred 3:1 to dozens of airline frequent flyer programs. You’ll even get a bonus 5,000 Starpoints for every 60,000 you transfer.

17. Marriott Rewards® Premier Business credit card

When you use your Marriott Rewards® Premier Business credit card, you’ll earn Marriott Rewards points good toward free stays at more than 5,000 global Marriott and Starwood properties, and transferable to a range of hotel and airline partners. You’ll also earn bonus points on a variety of travel and business expenses, including car rental agencies, restaurants, and office supply stores.

Marriott Rewards® Premier Business credit card

  • Earn 5X points per $1 on purchases at eligible Marriott and Starwood properties
  • Earn 2X per $1 spent in select travel and business categories
  • Receive one free night annually on your anniversary

While the Marriott Rewards® Premier Business credit card charges a $99 annual fee, its killer signup bonus more than covers the cost if you can meet the spending requirement without paying interest fees.

18. Club Carlson Business Rewards Visa Card

Club Carlson is a good club to join, sporting more than 1,000 properties in its portfolio. The Club Carlson Business Rewards Visa Card provides an easy way to earn points redeemable for free nights in brands like Radisson and Park Plaza.

Club Carlson Business Rewards Visa Card

  • Earn 10X points per $1 spent on purchases at eligible Club Carlson properties
  • Earn 5X points per $1 on all other purchases
  • Receive 40,000 bonus points each year you renew

In addition to a large signup bonus when you hit the spending requirement, the Club Carlson Business Rewards Visa Card awards you 40,000 bonus points each year you renew and one free night for every year you spend $10,000 or more on your card.

In addition to points that can net you free nights, many hotel rewards cards will have additional branded benefits, including upgraded member status and free wifi. Selecting the right hotel card will come down to deciding which brand has the most useful property portfolio, with locations in places you are likely to visit.

Best “Fair Credit” Business Credit Cards

No matter how successful your business is when you launch it, it simply takes time to build up business credit, so many small business owners rely on their personal credit to obtain their first business card or three. But when your personal credit is a little less than pristine, finding a business card can be tough enough, let alone trying to get one with rewards.

Luckily, even with fair credit, a number of issuers will help you finance the things you need — and reward you for the privilege. All of our top picks below have flexible credit requirements, accepting fair credit and better, as well as offering cash back or rewards points.

BUSINESS CARD RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited

While the Capital One® Spark® Classic for Business doesn’t offer quite as high of an earnings rate as its siblings, the Spark® Classic will accept applicants with a wider range of credit scores. As an added incentive, you won’t pay annual or foreign transaction fees, either.

20. Wells Fargo Business Secured Credit Card

As a secured card, the Wells Fargo Business Secured Credit Card will likely require a deposit to secure your credit line, but it can be a good way to establish and start building that all-important business credit. You’ll even earn rewards as you do it, with 1.5% cash back on every purchase.

Wells Fargo Business Secured Credit Card

  • Earn 1.5% cash back on every purchase made with your card, redeemable as a statement credit or check
  • Access credit lines from $500 to $25,000
  • Receive up to 10 employee cards

Available credit lines range from $500 to $25,000. The Wells Fargo Business Secured card has a small $25 annual fee, but you won’t pay any foreign transaction fees. (The information related to Wells Fargo Business Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

21. BBVA Secured Visa® Business Credit Card

The BBVA Secured Visa® Business Credit Card is also secured, so it will require at least a $500 deposit to open and your available credit will be equal to 90% of your deposit amount. Even better, you’ll earn rewards on every qualifying purchase.

BBVA Secured Visa® Business Credit Card

  • Earn bonus points in categories you select, including office supplies, utilities, and travel
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee the first year, then $40

Your BBVA Secured Visa® Business Credit Card will also provide free employee cards, a host of online account services, and special Visa Business benefits.

With responsible use of your new business credit card, your business will develop its own thriving credit history. While it’s always the best idea to pay your balance in full and on-time, it’s doubly important when your business credit card is also your primary business credit-builder.

Earn Rewards While Your Business Grows

As with raising a child, your business comes with a lot of expenses — but also a lot of rewards, such as the satisfaction of knowing you made something really awesome (hopefully). In the case of your business, those rewards can also come from the everyday costs of running a business, earning you cash back, points, or miles for every pen and printer cartridge.