Running a business comes with plenty of expenses — why not get rewarded for them? Check out our expert picks below for the best business credit cards, which could earn thousands of extra dollars your business every year.
Ink Business Unlimited® Credit Card
Great for: Competitive welcome bonus
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorIntro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 23.49% Variable
Rewards Earn unlimited 1.5% cash back on every purchase made for your business
Earn unlimited 1.5% cash back on every purchase
Annual Fee
$0
Welcome Offer Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
This card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Great for: Unlimited Flat-Rate Cash Back
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America's Secure Website.
Intro APR 0% introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a variable APR that's currently 17.49% - 27.49% will apply.
Purchases: 0%, 9 billing cycles
Balance Transfers: N/A
Regular APR
17.49% - 27.49% (Variable)
Rewards Earn unlimited 1.5% cash back on all purchases
1.5% cash back
Annual Fee
$0
Welcome Offer $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
This card is excellent for business owners who want simple, unlimited cash back on every purchase, with no complicated categories or limits. We love that you can earn 1.5% cash back on all purchases, plus enjoy no annual fee and rewards that won’t expire. New cardholders can earn a $300 statement credit after spending $3,000 in the first 90 days. And, if you qualify for Preferred Rewards for Business, you can boost your earnings to up to 2.62% cash back. Plus, you’ll get an intro APR on purchases for the first 9 billing cycles, with the flexibility to redeem your rewards however you choose.
Apply now for the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Ink Business Cash® Credit Card
Great for: Bonus Categories
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorIntro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 25.49% Variable
Rewards 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.
Earn 5% cash back in select business categories
Annual Fee N/A
$0
Welcome Offer Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn up to $750 bonus cash back
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
We think this card is a great option for savvy business owners looking to maximize rewards without the added cost of an annual fee. You’ll earn 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually), making it ideal for businesses with regular expenses in these categories. With a generous $750 welcome bonus after meeting the spending threshold, along with valuable travel and purchase protections, this card offers great value for smaller businesses with high recurring expenses.
Capital One Spark Cash Plus
Great for: Businesses with high expenses
5.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor5.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorIntro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
N/A
Rewards Earn unlimited 2% cash back for your business on purchases, no limits or category restrictions; plus earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
2% - 5% cash back
Annual Fee
$150
Welcome Offer $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
$2,000 Cash Back
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
This card is built for businesses with significant expenses that want high-value rewards. You’ll earn unlimited 2% cash back on every purchase, plus earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. If you spend over $150k annually, your annual fee will be refunded, and we love that in your first year alone, you could earn over $4,000 in cash bonuses -- the largest welcome offer Capital One has ever provided for this card.
Apply now for the Capital One Spark Cash Plus card
The Blue Business® Plus Credit Card from American Express
Apply Now for The Blue Business® Plus Credit Card from American Express
On American Express's Secure Website.
3.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor3.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for The Blue Business® Plus Credit Card from American Express
On American Express's Secure Website.
Intro APR
Purchases: 0% on purchases, 12 months from date of account opening
Balance Transfers: N/A
Regular APR
17.49% - 27.49% Variable
Rewards 2X points on the first $50,000 spent in purchases each year, 1X points on purchases thereafter
1x - 2x points
Annual Fee
No annual fee
Welcome Offer Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 Membership Rewards® points
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
This card is an excellent no-annual-fee option designed for small businesses that want simple, high-earning rewards. You’ll earn 2X Membership Rewards® points on the first $50,000 spent each year, then 1X after that—making it one of the best flat-rate rewards cards available. With flexible spending power that adjusts to your business needs, this card is a strong choice for business owners looking to earn valuable points without worrying about bonus categories or annual fees.
Apply now for the The Blue Business® Plus Credit Card from American Express card
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Extended warranty, purchase protection, and car rental loss & damage underwritten by AMEX Assurance Company.
- Card Members are responsible for the costs charged by third-party service providers.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Great for: High Cash Back Rate on Category of Your Choice
Apply Now for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America's Secure Website.
Intro APR 0% introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a variable APR that's currently 17.49% - 27.49% will apply.
Purchases: 0%, 9 billing cycles
Balance Transfers: N/A
Regular APR
17.49% - 27.49% (Variable)
Rewards 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). Unlimited 1% cash back on all other purchases.
1% - 3% cash back
Annual Fee
$0
Welcome Offer $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
This card is a great fit for businesses with low to moderate monthly spending looking to earn rewards while saving on interest. We like that it offers 3% cash back in a category of your choice, making it ideal for businesses that want to maximize rewards on their biggest expenses. With no annual fee and intro APR on purchases for the first 9 billing cycles, it provides an attractive combination of savings and rewards.
Capital One Venture X Business
Great for: Business Travel
4.75 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.75 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorIntro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
N/A
Rewards Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site.
2X-10X miles
Annual Fee
$395
Welcome Offer 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
350,000 Miles
- For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
For businesses looking to earn rewards while enjoying premium travel benefits, we think this card strikes a strong balance between value and simplicity. It offers unlimited 2X miles on every purchase, along with 10X miles on hotels and rental cars booked through Capital One's travel booking site. With top-tier perks like unlimited lounge access, annual travel credits, and flexible redemption options, this card is designed for business owners who prioritize travel rewards. Plus, with one of the best welcome offers available to earn up to 350,000 miles, it’s an excellent option for companies seeking both rewards and premium travel perks without the hassle.
American Express® Business Gold Card
Great for: Flexible Bonus Categories with High Rewards Rate
Apply Now for American Express® Business Gold Card
On American Express's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for American Express® Business Gold Card
On American Express's Secure Website.
Intro APR
Purchases: 0% on purchases, 6 months from date of account opening
Balance Transfers: N/A
Regular APR
18.49% - 27.49% Variable
Rewards Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X - 4X points
Annual Fee
$375
Welcome Offer Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 Membership Rewards® points
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
This card is a powerful choice for businesses that want to maximize rewards in key spending categories. You’ll automatically earn 4X points on your top two spending categories each billing cycle (up to $150,000 per year), making it a great fit for businesses with fluctuating expenses. With no preset spending limit, it offers added flexibility for growing companies. (The amount you can spend adapts based on factors such as your purchase, payment, and credit history.) Plus, a generous welcome offer and access to valuable business tools and travel benefits make this card a standout option for businesses that want high rewards potential with customizable benefits.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended warranty, purchase protection, baggage insurance, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
• Card Members are responsible for the costs charged by third-party service providers.
Ink Business Preferred® Credit Card
Great for: Business Travel
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorIntro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 26.24% Variable
Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Earn 3 points per $1 in select business categories
Annual Fee N/A
$95
Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value.
The Business Platinum Card® from American Express
Great for: Business Travel
Apply Now for The Business Platinum Card® from American Express
On American Express's Secure Website.
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for The Business Platinum Card® from American Express
On American Express's Secure Website.
Limited-Time Travel Offer
Earn 150,000 Membership Rewards® points and a $500 statement credit with qualifying purchases within the first 3 months of Card Membership. You can earn one or both of these offers. Terms apply.
Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.49% - 27.49% Variable
Rewards Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1X - 5X points
Annual Fee
$695
Welcome Offer Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
150,000 Membership Rewards® points
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
For businesses that prioritize premium travel perks and elite rewards, this is a top-tier choice. You’ll earn 5X points on flights and prepaid hotels booked through Amex Travel, along with 1.5X points on eligible large purchases. But what sets this card apart is the extensive list of travel benefits, including airport lounge access, annual travel credits, and a credit toward TSA PreCheck/Global Entry fee reimbursement. While it comes with a higher annual fee, we think the luxury perks and exclusive rewards make it a valuable investment for frequent business travelers.
Apply now for the The Business Platinum Card® from American Express card
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations
Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Trip delay insurance, trip cancellation and interruption insurance, cell phone protection, underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended warranty, baggage insurance, car rental loss and damage, and purchase protection underwritten by AMEX Assurance Company.
• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
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For rates and fees for the American Express® Business Gold Card, click here
For rates and fees for the The Blue Business® Plus Credit Card from American Express, click here
For rates and fees for the The Business Platinum Card® from American Express, click here