10 Best Business Rewards Credit Cards
10 Best Business Rewards Credit Cards
Business Rewards Credit Cards are designed for entrepreneurs and business owners who want to earn rewards on their business spending. These cards function similarly to personal rewards credit cards but are tailored to handle the higher spending needs of a business. They allow you to Earn points, miles, or cashback on purchases like office supplies, travel, advertising, and more. Many of these cards also offer enhanced benefits for businesses, such as expense tracking, employee cards, and higher credit limits. Whether you're running a small startup or a large corporation, business rewards credit cards can help streamline your finances while providing valuable perks.
The main benefits of Business Rewards Credit Cards include the opportunity to earn rewards that can be redeemed for travel, statement credits, gift cards, or other business-related expenses. These rewards help offset business costs and can be used to enhance cash flow. Additionally, many cards offer introductory bonuses, such as a large number of points or cashback if a certain spending threshold is met within the first few months. Business owners can also take advantage of expense management tools, access to purchase protections, and various perks that enhance business operations. Below are the 10 Best Business Rewards Credit Cards to help your business earn rewards while managing expenses efficiently.
1.
Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is designed for business owners who want to earn rewards on their business expenses. It offers generous points on key categories like travel, advertising, internet, and shipping. The card is ideal for businesses that spend heavily in these areas and want to maximize rewards, especially those who also want access to travel perks.
100,000 Point Welcome Bonus: Earn 100,000 points after spending $15,000 in the first 3 months, a high-value incentive for new cardholders.
3X Points on Travel, Shipping, Internet, Cable, and Advertising: Earn 3X points on the first $150,000 spent in combined categories each account anniversary year.
1X Points on All Other Purchases: Earn 1 point per dollar spent on all other purchases.
Travel Perks: Includes access to travel protections like trip cancellation insurance, rental car insurance, and baggage delay insurance.
No Foreign Transaction Fees: Great for businesses with international operations or travel.
Points Transfer to Travel Partners: Points can be transferred to Chase's airline and hotel partners at a 1:1 ratio, making it easy to redeem for travel.
3X Points on Travel, Shipping, Internet, Cable, and Advertising: Earn 3X points on the first $150,000 spent in combined categories each account anniversary year.
1X Points on All Other Purchases: Earn 1 point per dollar spent on all other purchases.
Travel Perks: Includes access to travel protections like trip cancellation insurance, rental car insurance, and baggage delay insurance.
No Foreign Transaction Fees: Great for businesses with international operations or travel.
Points Transfer to Travel Partners: Points can be transferred to Chase's airline and hotel partners at a 1:1 ratio, making it easy to redeem for travel.
Chase Ink Business Preferred Credit CardCheck HereChase Ink Business Preferred Credit Card - - Earn 3 points per $1 on the first $150,000 spent on travel, shipping, internet, cable, and phone services. Sign-up bonus: 100,000 points after spending $15,000 in the first 3 months.
Pros
High Points Earning on Key Categories: Earn 3X points on common business expenses like travel, advertising, and shipping.- Large Sign-Up Bonus: The 100,000-point bonus offers a significant reward value (worth up to $1,250 when redeemed for travel through Chase Ultimate Rewards®).
- No Foreign Transaction Fees: Ideal for businesses with international spending or travel.
- Flexible Points Redemption: Points can be used for travel, cash back, or transferred to airline and hotel partners for enhanced travel rewards.
- Strong Travel Protections: Offers valuable travel insurance and purchase protection.
Cons
$95 Annual Fee: While the annual fee is reasonable, it might be a consideration for small businesses with low spending.- Spending Cap on Bonus Categories: The 3X points are capped at $150,000 annually in combined categories, so businesses with large spending may need to look for other options once the cap is reached.
- High Minimum Spend for Bonus: The $15,000 spend requirement to earn the 100,000-point bonus may be challenging for some businesses.
Key Features
100,000-point welcome bonus
3X points on travel, shipping, internet, cable, and advertising (up to $150,000 annually)
1X points on all other purchases
Points transfer to airline and hotel partners
No foreign transaction fees
Travel and purchase protections
$95 annual fee
3X points on travel, shipping, internet, cable, and advertising (up to $150,000 annually)
1X points on all other purchases
Points transfer to airline and hotel partners
No foreign transaction fees
Travel and purchase protections
$95 annual fee
Why Is Recommended
The Chase Ink Business Preferred Credit Card is ideal for businesses that spend heavily on travel, advertising, shipping, or internet services. With a huge sign-up bonus, generous earning potential on key business expenses, and valuable travel rewards, it's recommended for business owners who want to maximize their rewards and travel perks. The flexible point redemption options and strong travel protections make it an excellent choice for growing businesses looking to optimize their spending.
2.
American Express Business Gold Card
The American Express Business Gold Card is a premium business credit card that offers rewards based on your company’s spending habits. It provides a flexible rewards program with higher cashback rates on the categories where your business spends the most. The card is designed for business owners looking to earn rewards on everyday business purchases, including office supplies, travel, and dining, while enjoying the benefits of expense management and purchasing power.
4x Points on 2 Categories: Earn 4 Membership Rewards® points on the 2 categories where your business spends the most each billing cycle (from a list of 6 categories, such as airfare, advertising, and shipping). This allows businesses to maximize rewards based on their spending patterns.
1x Points on Other Purchases: Earn 1 point for every dollar spent on other eligible purchases.
Welcome Bonus: New cardholders can earn a large welcome bonus in the form of Membership Rewards® points when meeting a minimum spending requirement in the first few months.
No Pre-set Spending Limit: The card offers flexible spending power based on your business’s financial situation, with no pre-set spending limit (though spending is still subject to approval).
Travel Protections: Includes benefits like baggage insurance, car rental loss and damage insurance, and access to travel-related perks.
Expense Management Tools: Use tools like year-end summaries and purchase records to help manage and track business spending.
1x Points on Other Purchases: Earn 1 point for every dollar spent on other eligible purchases.
Welcome Bonus: New cardholders can earn a large welcome bonus in the form of Membership Rewards® points when meeting a minimum spending requirement in the first few months.
No Pre-set Spending Limit: The card offers flexible spending power based on your business’s financial situation, with no pre-set spending limit (though spending is still subject to approval).
Travel Protections: Includes benefits like baggage insurance, car rental loss and damage insurance, and access to travel-related perks.
Expense Management Tools: Use tools like year-end summaries and purchase records to help manage and track business spending.
- American Express Business Gold CardCheck Here
American Express Business Gold Card - - Earn 4 points per $1 on the 2 categories where your business spends the most each month (from a list of 6 categories). Sign-up bonus: 70,000 points after spending $10,000 in the first 3 months.
Pros
- 4x Points on Select Categories: The ability to earn 4x points in the categories where you spend the most makes it a great card for businesses with varied spending.
- No Pre-set Spending Limit: Offers more flexibility for high-volume businesses that need the ability to make large purchases.
- Access to Membership Rewards®: Points can be redeemed for travel, statement credits, or shopping, with the potential for higher value when transferred to airline or hotel partners.
- Wide Range of Business Benefits: Includes valuable travel and purchase protections, as well as expense management tools.
- Welcome Bonus: The introductory bonus can provide a significant rewards boost early on.
Cons
- Annual Fee: The card has a high annual fee, which may not be justified for businesses with lower spending.
- Foreign Transaction Fees: A 2.7% foreign transaction fee makes it less ideal for businesses that make frequent international purchases.
- Limited to 2 Categories for 4x Points: The 4x points apply only to 2 categories chosen per billing cycle, which may limit flexibility for businesses with diverse spending needs.
Key Features
4x Membership Rewards® Points: On the 2 categories where your business spends the most.
Welcome Bonus: Earn points after meeting the required spending threshold.
No Pre-set Spending Limit: Flexible spending for larger purchases.
Travel Protections: Includes baggage insurance and car rental insurance.
Expense Management Tools: Helps you manage spending and track business expenses.
Welcome Bonus: Earn points after meeting the required spending threshold.
No Pre-set Spending Limit: Flexible spending for larger purchases.
Travel Protections: Includes baggage insurance and car rental insurance.
Expense Management Tools: Helps you manage spending and track business expenses.
Why Is Recommended
The American Express Business Gold Card is ideal for businesses that have significant spending in specific categories such as travel, advertising, or shipping. The 4x points on select categories, combined with the flexibility of no pre-set spending limit and valuable business tools, make it a strong choice for businesses seeking to maximize rewards. The card is recommended for businesses with higher spending in targeted categories and the financial capacity to justify its annual fee. However, businesses that don't frequently spend in the 2 designated categories may find the value less compelling.
3.
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is a straightforward cashback business credit card designed for business owners who want to earn unlimited 2% cashback on all purchases. It’s ideal for businesses that want a simple, no-hassle rewards program without the need to track spending categories. The card also offers a significant sign-up bonus and additional benefits, such as purchase protections and business tools, making it a solid choice for businesses that value cash rewards.
2% Unlimited Cashback: Earn 2% cashback on every purchase, no matter what you buy, with no categories or spending limits to track.
$500 Sign-Up Bonus: Earn a $500 cash bonus after spending $4,500 on purchases within the first 3 months from account opening.
No Annual Fee for the First Year: For new cardholders, the annual fee of $95 is waived for the first year, which makes it more affordable in the initial phase.
Business Purchase Protections: Includes purchase security, extended warranty, and travel accident insurance.
Employee Cards at No Extra Cost: Add employee cards for free, and all purchases made by employees earn 2% cashback.
Free Employee Cards: You can give employee cards at no additional cost, enabling your team to make purchases while earning cashback for the business.
$500 Sign-Up Bonus: Earn a $500 cash bonus after spending $4,500 on purchases within the first 3 months from account opening.
No Annual Fee for the First Year: For new cardholders, the annual fee of $95 is waived for the first year, which makes it more affordable in the initial phase.
Business Purchase Protections: Includes purchase security, extended warranty, and travel accident insurance.
Employee Cards at No Extra Cost: Add employee cards for free, and all purchases made by employees earn 2% cashback.
Free Employee Cards: You can give employee cards at no additional cost, enabling your team to make purchases while earning cashback for the business.
- Capital One Spark Cash for BusinessCheck Here
Capital One Spark Cash for Business - - Earn 2% cashback on every purchase with no limit. Sign-up bonus: $500 after spending $4,500 in the first 3 months.
Pros
- 2% Cashback on All Purchases: The unlimited 2% cashback rate on all purchases is one of the highest in the business credit card category, making it easy to earn rewards without worrying about category restrictions.
- Sign-Up Bonus: The $500 bonus is relatively easy to earn with a manageable spending requirement.
- No Annual Fee for First Year: The first year without an annual fee makes the card an even better value during the initial period.
- Employee Cards at No Additional Cost: Allow employees to make purchases while contributing to cashback rewards.
- Purchase Protections: Includes key benefits like purchase protection and extended warranties on eligible items.
Cons
- Annual Fee After First Year: After the first year, the card charges a $95 annual fee, which could be a drawback for businesses with lower spending.
- No Bonus Categories: The 2% cashback rate is great, but some businesses may prefer cards with higher rewards for specific spending categories like travel or office supplies.
- High Sign-Up Bonus Spending Requirement: The $4,500 minimum spend in the first 3 months may be challenging for smaller businesses.
Key Features
2% Unlimited Cashback: Earn 2% on every purchase, with no limits or categories.
$500 Sign-Up Bonus: Spend $4,500 in the first 3 months and earn $500.
No Annual Fee First Year: No fee in the first year, then $95 annually.
Purchase Protections: Includes purchase security, extended warranty, and travel protections.
Employee Cards for Free: Get free employee cards, and earn cashback on employee purchases.
$500 Sign-Up Bonus: Spend $4,500 in the first 3 months and earn $500.
No Annual Fee First Year: No fee in the first year, then $95 annually.
Purchase Protections: Includes purchase security, extended warranty, and travel protections.
Employee Cards for Free: Get free employee cards, and earn cashback on employee purchases.
Why Is Recommended
The Capital One Spark Cash for Business is recommended for business owners who want a simple, no-fuss cashback card that earns 2% on every purchase. Its straightforward rewards structure and significant sign-up bonus make it an excellent choice for businesses of all sizes. The ability to earn unlimited cashback with no category restrictions and get employee cards at no extra cost adds to its value. Additionally, the purchase protections provide extra peace of mind for business purchases. While the annual fee kicks in after the first year, the card still offers strong value for businesses with broad spending needs.
4.
Chase Ink Business Cash® Credit Card
Cashback on Business Purchases: Earn cashback on a variety of business-related purchases.
Sign-Up Bonus: Offers a one-time cash bonus after meeting the minimum spend within the first three months.
Employee Cards: Add employee cards at no extra cost, and earn cashback on their purchases.
Sign-Up Bonus: Offers a one-time cash bonus after meeting the minimum spend within the first three months.
Employee Cards: Add employee cards at no extra cost, and earn cashback on their purchases.
5% Cash Back on the First $25,000 spent each year on the first $25,000 spent in combined purchases at select business categories, including:
Office Supply Stores
Internet, Cable, and Phone Services
2% Cash Back on the First $25,000 spent annually on combined purchases at gas stations and restaurants.
1% Cash Back on All Other Purchases.
$750 Cash Bonus: Earn a $750 bonus after spending $7,500 on purchases in the first 3 months.
No Annual Fee: There is no annual fee, making it a cost-effective option for small businesses.
Employee Cards at No Additional Cost: Add employee cards and earn cashback on their purchases without paying extra fees.
Flexible Redemption: Cash back can be redeemed for statement credits, gift cards, or travel through Chase Ultimate Rewards®.
Office Supply Stores
Internet, Cable, and Phone Services
2% Cash Back on the First $25,000 spent annually on combined purchases at gas stations and restaurants.
1% Cash Back on All Other Purchases.
$750 Cash Bonus: Earn a $750 bonus after spending $7,500 on purchases in the first 3 months.
No Annual Fee: There is no annual fee, making it a cost-effective option for small businesses.
Employee Cards at No Additional Cost: Add employee cards and earn cashback on their purchases without paying extra fees.
Flexible Redemption: Cash back can be redeemed for statement credits, gift cards, or travel through Chase Ultimate Rewards®.
- Chase Ink Business Cash® Credit CardCheck Here
Chase Ink Business Cash® Credit Card - - Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable, and phone services each anniversary year. Sign-up bonus: $750 after spending $7,500 in the first 3 months.
Pros
- Strong Cash Back in Key Business Categories: 5% back on office supplies, internet, cable, and phone services, plus 2% on gas and restaurant purchases, making it a great card for businesses with recurring expenses in these areas.
- No Annual Fee: A great advantage for businesses that want to avoid additional fees.
- Generous Sign-Up Bonus: $750 cash bonus after spending $7,500 within the first 3 months is a solid reward for a small business.
- Employee Cards: The ability to add employee cards at no extra cost makes it easier to manage employee spending and earn more rewards.
- Flexible Rewards: Cashback can be used for statement credits, gift cards, or travel bookings, making it a versatile option.
Cons
- Bonus Categories Have a Cap: The 5% and 2% cash back categories are limited to $25,000 per year, after which rewards drop to 1%.
- Higher APR: The card has a relatively high APR (19.24%–25.24%), so it's not ideal for businesses that carry balances month-to-month.
- Foreign Transaction Fees: The card charges a 3% foreign transaction fee, which is not ideal for businesses that travel internationally.
Key Features
5% Cash Back on the first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services.
2% Cash Back on the first $25,000 spent on combined purchases at gas stations and restaurants.
1% Cash Back on all other purchases.
$750 Sign-Up Bonus (after meeting the $7,500 spend requirement).
No Annual Fee.
Employee Cards at no additional cost.
Foreign Transaction Fee: 3%.
2% Cash Back on the first $25,000 spent on combined purchases at gas stations and restaurants.
1% Cash Back on all other purchases.
$750 Sign-Up Bonus (after meeting the $7,500 spend requirement).
No Annual Fee.
Employee Cards at no additional cost.
Foreign Transaction Fee: 3%.
Why Is Recommended
The Chase Ink Business Cash® Credit Card is recommended for small businesses that spend a significant amount on office supplies, internet/phone services, gas, and dining. The 5% and 2% cashback categories provide excellent value for businesses with recurring expenses in these areas. The card has no annual fee, making it cost-effective, and the $750 sign-up bonus is a great incentive for new cardholders. Additionally, the ability to add employee cards at no extra cost makes it easier to earn rewards on employee spending. The main drawback is the foreign transaction fee, which makes it less ideal for businesses with international operations.
5.
American Express Blue Business Cash Card
The American Express Blue Business Cash™ Card is a cashback business credit card designed for small business owners who want to earn rewards on their everyday business purchases. It offers a tiered cashback structure, with higher cashback rates on specific categories like office supplies and wireless purchases, while providing a 1% cashback on other purchases. The card also offers a significant introductory offer, making it a good option for businesses looking to earn rewards without managing rotating categories.
2% Cashback on the First $50,000: Earn 2% cashback on the first $50,000 spent on eligible purchases in select categories each year, including U.S. office supply stores and wireless purchases.
1% Cashback on All Other Purchases: Earn 1% cashback on all other eligible purchases, making it a solid option for everyday business spending.
Introductory Bonus: New cardholders can earn a $250 statement credit after spending $3,000 on purchases within the first 3 months of account opening.
No Annual Fee: The card comes with no annual fee, making it a cost-effective option for businesses of all sizes.
Purchase Protections: Includes extended warranty protection, purchase protection, and fraud protection for eligible purchases.
Employee Cards at No Extra Cost: You can add employee cards at no additional cost, allowing your employees to earn cashback for your business.
1% Cashback on All Other Purchases: Earn 1% cashback on all other eligible purchases, making it a solid option for everyday business spending.
Introductory Bonus: New cardholders can earn a $250 statement credit after spending $3,000 on purchases within the first 3 months of account opening.
No Annual Fee: The card comes with no annual fee, making it a cost-effective option for businesses of all sizes.
Purchase Protections: Includes extended warranty protection, purchase protection, and fraud protection for eligible purchases.
Employee Cards at No Extra Cost: You can add employee cards at no additional cost, allowing your employees to earn cashback for your business.
- American Express Blue Business Cash CardCheck Here
American Express Blue Business Cash Card - - Earn 2% cashback on the first $50,000 spent in combined purchases each year (then 1%). Sign-up bonus: $250 after spending $3,000 in the first 3 months.
Pros
- 2% Cashback on Select Categories: Earn 2% on purchases at U.S. office supply stores and on wireless purchases up to $50,000 annually.
- No Annual Fee: The absence of an annual fee helps keep the card cost-effective.
- Introductory Bonus: The $250 statement credit is easy to earn, providing an extra boost for new cardholders.
- Purchase Protections: Includes valuable protections like extended warranty and fraud protection, which are useful for business purchases.
- Free Employee Cards: Add employee cards at no additional cost, helping your business earn more cashback.
Cons
- 2% Cashback Limit: The 2% cashback is capped at $50,000 in combined purchases annually, after which it drops to 1%.
- Foreign Transaction Fees: The card charges a 2.7% foreign transaction fee, making it less ideal for international purchases.
- Spending Cap for 2% Cashback: The $50,000 cap on 2% cashback may limit rewards for businesses with higher spending in the bonus categories.
Key Features
2% Cashback on the First $50,000: Earn 2% on purchases at U.S. office supply stores and on wireless purchases, up to $50,000 per year.
1% Cashback on Other Purchases: Earn 1% on all other eligible purchases.
$250 Introductory Bonus: Spend $3,000 in the first 3 months to earn $250 in statement credits.
No Annual Fee: No annual fee to worry about.
Employee Cards at No Extra Cost: Add employee cards for free, and earn rewards on employee purchases.
1% Cashback on Other Purchases: Earn 1% on all other eligible purchases.
$250 Introductory Bonus: Spend $3,000 in the first 3 months to earn $250 in statement credits.
No Annual Fee: No annual fee to worry about.
Employee Cards at No Extra Cost: Add employee cards for free, and earn rewards on employee purchases.
Why Is Recommended
The American Express Blue Business Cash™ Card is ideal for small business owners who want a straightforward and flexible cashback card. It offers 2% cashback on key categories, a solid introductory bonus, and no annual fee, making it an excellent option for businesses with moderate to high spending in office supplies or wireless services. The ability to add employee cards at no cost is a valuable feature, especially for businesses with multiple employees making purchases. Although there are foreign transaction fees and a cap on the 2% cashback, the card is still a great choice for businesses looking for simplicity and consistent cashback rewards.
6.
Bank of America® Business Advantage Cash Rewards Mastercard®
- Bank of America® Business Advantage Cash Rewards Mastercard®Check Here
Bank of America® Business Advantage Cash Rewards Mastercard® - - Earn 3% cashback on the category of your choice (gas, office supplies, travel, etc.) and 2% cashback on dining. Sign -up bonus: $300 after spending $3,000 in the first 90 days.
7.
Wells Fargo Business Elite Signature Card
- Wells Fargo Business Elite Signature CardCheck Here
Wells Fargo Business Elite Signature Card - - Earn 1.5% unlimited cashback on every purchase. Sign-up bonus: $500 after spending $3,000 in the first 3 months.
8.
US Bank Business Cash Rewards World Elite™ Mastercard®
- US Bank Business Cash Rewards World Elite™ Mastercard®Check Here
US Bank Business Cash Rewards World Elite™ Mastercard® - - Earn 3% cashback on eligible purchases at gas stations and office supply stores, and 1% on all other purchases. Sign-up bonus: $500 after spending $4,500 in the first 3 months.
9.
Capital One Spark Miles for Business
Earn Miles on Purchases: Earns unlimited miles on all business-related expenses, with a higher rate on every purchase compared to most standard business cards.
Flexible Rewards: Miles can be redeemed for travel-related purchases, including flights, hotel stays, and car rentals, or used for statement credits or gift cards.
Employee Cards: Allows businesses to add employee cards to the account and earn miles on their purchases without an extra fee.
Flexible Rewards: Miles can be redeemed for travel-related purchases, including flights, hotel stays, and car rentals, or used for statement credits or gift cards.
Employee Cards: Allows businesses to add employee cards to the account and earn miles on their purchases without an extra fee.
2X Miles on Every Purchase: Earn 2 miles per dollar on every purchase, with no spending limits or categories to track.
Sign-Up Bonus: Offers a large one-time bonus of miles after meeting a minimum spending requirement within the first 3 months.
No Foreign Transaction Fees: Ideal for businesses that make international purchases, as there are no additional fees for foreign transactions.
Flexible Redemption: Miles can be redeemed for travel expenses or converted to statement credits, providing versatility.
Employee Cards at No Extra Cost: Add employee cards at no additional cost, helping businesses earn more miles on employee spending.
Travel Benefits: Includes access to travel protections such as travel accident insurance and rental car insurance when traveling on business.
Sign-Up Bonus: Offers a large one-time bonus of miles after meeting a minimum spending requirement within the first 3 months.
No Foreign Transaction Fees: Ideal for businesses that make international purchases, as there are no additional fees for foreign transactions.
Flexible Redemption: Miles can be redeemed for travel expenses or converted to statement credits, providing versatility.
Employee Cards at No Extra Cost: Add employee cards at no additional cost, helping businesses earn more miles on employee spending.
Travel Benefits: Includes access to travel protections such as travel accident insurance and rental car insurance when traveling on business.
- Capital One Spark Miles for BusinessCheck Here
Capital One Spark Miles for Business - - Earn 2 miles per $1 on every purchase. Sign-up bonus: 50,000 miles after spending $4,500 in the first 3 months.
Pros
- 2X Miles on All Purchases: The flat 2X miles on every purchase is a significant advantage for businesses that want to earn rewards without tracking categories.
- Generous Sign-Up Bonus: The large bonus miles offer a good amount of value for businesses that meet the minimum spend within the first few months.
- No Foreign Transaction Fees: Great for businesses with international transactions or those that frequently travel abroad.
- Flexible Rewards: Miles are versatile and can be redeemed for travel expenses, making it easy to use rewards in a way that benefits the business.
Cons
- Annual Fee: The card has a $95 annual fee (waived for the first year), which may be a downside for small businesses with lower spending.
- High APR: The card has a relatively high APR (18.24%–26.24%), so it's not ideal for businesses that carry a balance month to month.
- Limited Non-Travel Rewards: The card focuses on travel rewards, so businesses looking for rewards in other categories may find the earning rate less appealing.
Key Features
2X Miles on all purchases.
Large Sign-Up Bonus (after meeting minimum spend).
No Foreign Transaction Fees.
Annual Fee: $95 (waived for the first year).
Employee Cards at no extra cost.
Travel Benefits: Includes travel accident and rental car insurance.
Large Sign-Up Bonus (after meeting minimum spend).
No Foreign Transaction Fees.
Annual Fee: $95 (waived for the first year).
Employee Cards at no extra cost.
Travel Benefits: Includes travel accident and rental car insurance.
Why Is Recommended
The Capital One Spark Miles for Business is ideal for businesses that want a simple, high-reward system for travel. The 2X miles on all purchases make it an excellent choice for business owners who travel frequently or want a straightforward rewards program with no categories to track. The generous sign-up bonus, no foreign transaction fees, and flexible redemption options further enhance its appeal. Although the annual fee applies after the first year, the card's overall value and travel benefits make it an attractive option for businesses looking to maximize travel rewards.
10.
Discover it® Business Credit Card
- Discover it® Business Credit CardCheck Here
Discover it® Business Credit Card - - Earn 1.5% cashback on every purchase, with no annual fee and no foreign transaction fees. Sign-up bonus: Cashback match at the end of your first year.
Conclusion
Business Rewards Credit Cards offer an excellent way for business owners to earn rewards on their everyday spending while managing their expenses efficiently. Cards like the Chase Ink Business Preferred® and American Express® Business Gold Card offer valuable points and bonus categories that align with common business expenses, including travel, office supplies, and dining. For those looking for straightforward cashback, the Capital One® Spark® Cash for Business and the U.S. Bank Business Cash Rewards World Elite™ Mastercard® are strong contenders. Whether you prefer travel rewards, cashback, or flexible redemption options, there's a business rewards card for every business need. Be sure to select a card that matches your spending habits to maximize the benefits, and always be mindful of the terms and conditions to ensure you get the most out of your rewards program.