Best Business Credit Cards: Earn Cash Back and Travel Rewards

Business credit cards let small businesses earn rewards on purchases and manage expenses properly. They allow business owners to separate business expenses from personal purchases, give employee cards, and receive exclusive access to events that are ideal for entertaining clients or treating staff, etc. Compared with personal cards, business credit cards tend to have higher credit limits. And business credit cards may offer better rewards on certain purchases such as office supplies, gas, etc. If you don’t own a corporation or LLC, you can still apply for business cards as an sole proprietor.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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U.S. Bank Business Leverage® Visa Signature® Card Hide Benefits Show Benefits	20.49% - 25.49% (Variable) APR rates & fees	20.49% - 25.49% (Variable) APR	$0 intro annual fee for the first year, then $95	Excellent / Good CreditApply Now View Card Details
Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account. U.S. Bank Business Leverage® Visa Signature® Card Earn 2% back in the top two categories where you spend the most each month automatically. 1% cash per dollar spent on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. No annual fee for the first year and $95 thereafter. No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan. Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more. Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022 Terms and conditions apply
American Express Blue Business Cash™ Card Hide Benefits Show Benefits	0% intro APR for 12 months from date of account opening 17.99% - 25.99% Variable APR after that rates & fees		No annual fee	Good, Excellent CreditApply Now View Card Details
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors. 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. No Annual Fee Terms Apply
Capital One Spark Cash Select - $500 Cash Bonus Hide Benefits Show Benefits	17.49% - 23.49% (Variable) APR	17.49% - 23.49% (Variable) APR No balance transfer fee	$0	Excellent, Good CreditLearn More View Card Details
You will earn a $500 bonus after spending $4,500 within the first 3 months of account opening You will earn unlimited 1.5% cash rewards on all purchases - with no cap or category restrictions Pay no annual fee You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel Rewards won't expire You can redeem cash back rewards for any amount Free employee cards, with unlimited 1.5% cash rewards on all purchases $0 fraud liability for card loss or theft
Capital One Spark Cash Plus Hide Benefits Show Benefits	N/A	N/A No balance transfer fee	$150	Excellent, Good CreditLearn More View Card Details
You will earn up to a $1,000 cash bonus; $500 after spending $5,000 within the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening You will earn unlimited 2% cash rewards on all purchases-with no cap or category restrictions You will earn an annual $200 bonus cash every year you spend $200,000 or more-that's enough to cover your annual fee and then some You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel Add employee cards for free, and earn unlimited 2% cash rewards on all purchases
Capital One Spark Miles for Business Hide Benefits Show Benefits	25.24% (Variable) APR	25.24% (Variable) APR No balance transfer fee	$0 intro for first year; $95 after that	Excellent, Good CreditLearn More View Card Details
You will earn a bonus of 50,000 miles, redeemable for $500 in travel, after spending $4,500 on purchases within the first 3 months of account opening You will earn unlimited 2X miles per dollar on all purchases, no cap or category restrictions, and miles won't expire Unlimited 5 miles per dollar on hotels and rental cars purchased through Capital One Travel You can transfer miles to 15+ travel loyalty programs You can redeem miles instantly for travel purchases, from flights and hotels to ride-sharing services You will receive application fee credit of $85 for TSA PreCheck® or $100 for Global Entry $0 intro annual fee for the first year; $95 afterwards Free employee cards with unlimited 2 miles per dollar on all purchases
The Blue Business® Plus Credit Card from American Express Hide Benefits Show Benefits	0% intro APR for 12 months from date of account opening 17.99% - 25.99% Variable APR after that rates & fees	N/A	No annual fee	Good, Excellent CreditApply Now View Card Details
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. Earn 2X Membership Rewards® 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. You've got the power to use your Card beyond its credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. 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 at account opening. No Annual Fee Terms Apply
American Express® Business Gold Card Hide Benefits Show Benefits	18.99% - 26.99% Variable APR rates & fees	N/A	$295	Good, Excellent CreditApply Now View Card Details
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.* AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.* *Terms Apply
Marriott Bonvoy Business® American Express® Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$125	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. Terms apply.
Delta SkyMiles® Platinum Business American Express Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$250	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23. NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees. You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details. Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X). Delta Sky Club® Access - Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta. With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. Terms and limitations apply.
Delta SkyMiles® Gold Business American Express Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$0 introductory annual fee for the first year, then $99	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23. NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees. Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year. Pay no foreign transaction fees when you travel overseas. $0 introductory annual fee for the first year, then $99. Terms and limitations apply.
The Business Platinum Card® from American Express Hide Benefits Show Benefits	18.99% - 26.99% Variable APR rates & fees	N/A	$695	Good, Excellent CreditApply Now View Card Details
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. 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 (that's an extra half point per dollar) 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. Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account. $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®. The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021. $695 Annual Fee. Terms Apply.
Revenued Business Card Hide Benefits Show Benefits	N/A	N/A	$0	Bad, Good CreditApply Now View Card Details
Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership. Earn 3% cash back on every single card purchase. All categories apply. The card that cares less about your credit score and more about your business. Includes the Revenued Flex Line. A flexible line and business card bundled in one. No application, annual, or draw fee. Terms apply. Spending limit determined by cash flow of your business and other factors.
The Hilton Honors American Express Business Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$95	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23. Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases. Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. Terms apply.
Costco Anywhere Visa® Business Card by Citi Hide Benefits Show Benefits	19.74% (Variable) APR	N/A	$0	Excellent CreditApply Now View Card Details
Discover the only business credit card designed exclusively for Costco members 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
The Plum Card® from American Express Hide Benefits Show Benefits	N/A rates & fees	N/A	$250	Good, Excellent CreditApply Now View Card Details
Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date. Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date. Use the power of the Plum Card to buy big for your business. No Foreign Transaction Fees. Terms & Restrictions Apply.
Delta SkyMiles® Reserve Business American Express Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$550	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23. NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees. With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together. When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner. After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X). Plus enjoy 3X miles per dollar on all eligible Delta purchases. With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status. Terms and limitations apply.

U.S. Bank Business Leverage® Visa Signature® Card

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Rates & Fees

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
U.S. Bank Business Leverage® Visa Signature® Card