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Regardless of the type of business or side hustle you operate, there’s a suitable business credit card designed to maximize your rewards on everyday spending.
The key is identifying which spending categories are most significant for you each month and finding the cards that offer optimal rewards in those areas.
Let’s explore various types of business owners and match them with cards that provide the best long-term earning potential.
Best Business Credit Cards
Here’s our selection of top cards ideal for business expenses.
| Credit Card | Ideal For | Welcome Offer | Earning Rates | Annual Fee |
|---|---|---|---|---|
| Capital One Venture X Business | High-Spending Businesses | Gain 150,000 bonus miles after spending $30,000 within the first three months. |
|
$395 |
| Chase Sapphire Reserve for Business℠ | Premium Benefits and Advertising | Earn 200,000 bonus points after spending $30,000 in the first six months. |
|
$795 |
| Ink Business Preferred® Credit Card | Bonus-Earning Categories | Earn 90,000 points after spending $8,000 in the first three months. |
|
$95 |
| American Express® Business Gold Card | Flexible Rewards | Earn 100,000 points after spending $15,000 in the first three months. |
*Applicable to the first $150,000 combined purchases per year, then 1 point per dollar. |
$375 |
| Capital One Spark Miles for Business | Everyday Business Spending | Earn 50,000 miles after spending $4,500 in the first three months. |
|
$0 first year, then $95 |
| Capital One Spark Cash Plus | Unlimited Cash Back | Earn $2,000 cash back after spending $30,000 in the first three months; plus, an additional bonus for hitting $500,000. |
|
$150 |
| The Business Platinum Card® from American Express | Luxury Travel Benefits | Earn 150,000 points after spending $20,000 within three months. |
|
$695 |
| Ink Business Unlimited® Credit Card | Freelancers | Earn $750 cash back after $6,000 in three months. |
|
$0 |
| Ink Business Cash® Credit Card | Office Supplies | Earn up to $750: $350 after $3,000 and $400 after $6,000 in six months. |
|
$0 |
| The Blue Business® Plus Credit Card from American Express | Transferable Points Without Annual Fee | Earn 15,000 points after spending $3,000 in three months. |
|
$0 |
| United℠ Business Card | United Airlines Travelers | Earn 100,000 bonus miles and 2,000 Premier qualifying points after spending $5,000 in three months. |
|
$150 |
Capital One Venture X Business
Welcome Offer: 150,000 bonus miles after spending $30,000 in the first three months.
Based on Flying Frugal’s July 2025 valuations, this is valued at $2,775.
Annual Fee: $395
Key Benefits: This card offers an annual $300 travel credit, 10,000 miles each anniversary, TSA/Global Entry reimbursement, and various travel protections.
You’ll earn a minimum of 2 miles per dollar on every purchase, with options to transfer these miles to over 15 of Capital One’s partners. You can also add up to four authorized users at no extra fee.
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To discover more, check out our detailed review of the Venture X Business.
Learn More: Capital One Venture X Business
Chase Sapphire Reserve for Business
Welcome Offer: 200,000 bonus points after spending $30,000 in the first six months.
This offer is valued at an impressive $4,100 according to Flying Frugal’s July 2025 estimates.
Annual Fee: $795
Key Benefits: Chase’s latest and most luxurious business card offers a $300 annual travel credit, various travel-related reimbursements (exceeding $1,200 annually) and top-tier travel and purchase protections.
The card offers excellent earning rates, with 4 points per dollar on direct flights and hotels, plus 3 points on social media and search engine advertising, without a cap on spending.
Points are transferable to 14 airline and hotel partners, or redeem at Chase Travel for up to 2 cents each through the new Points Boost feature.
For more details, check our comprehensive review of the Sapphire Reserve for Business.
Apply Here: Chase Sapphire Reserve for Business
Ink Business Preferred Credit Card
Welcome Offer: Earn 90,000 points after spending $8,000 in the first three months.
According to Flying Frugal’s July 2025 evaluations, this is valued at $1,845.
Annual Fee: $95
Key Benefits: The Ink Business Preferred is ideal for those with significant spending in travel and select business categories, earning 3 points per dollar (first $150,000 annually, then 1 point per dollar).
Points can be redeemed for travel through Chase Travel at up to 1.75 cents each or transferred to partners for greater value. The card also comes with various travel and shopping protections, along with cellphone insurance.
For more information, check our review of the Ink Business Preferred.
Apply Here: Ink Business Preferred Credit Card
American Express Business Gold Card
Welcome Offer: Earn 100,000 points after spending $15,000 in the first three months.
Estimated value based on Flying Frugal’s July 2025 ratings: $2,000.
Annual Fee: $375
Key Benefits: The Amex Business Gold enables earning 4 points per dollar on the top two categories where your business spends the most. You can also receive a yearly credit of up to $240 (max $20 monthly) for U.S. purchases at FedEx, Grubhub, and office supplies (enrollment required).
Plus, points earned can be transferred to one of Amex’s 21 hotel and airline partners.
To learn more, follow our complete review of the Amex Business Gold.
Apply Here: Amex Business Gold Card
Capital One Spark Miles for Business
Welcome Offer: Earn 50,000 miles after spending $4,500 in the first three months.
Based on Flying Frugal’s July 2025 estimates, this is worth approximately $925.
Annual Fee: $0 for the first year, then $95
Key Benefits: The Spark Miles for Business simplifies rewards by earning at least 2 miles per dollar on all purchases. You can redeem these miles for travel expenses or transfer them to one of Capital One’s airline or hotel partners. Cardholders also benefit from TSA PreCheck or Global Entry reimbursements.
For further details, explore our review of the Capital One Spark Miles for Business.
Learn More: Capital One Spark Miles for Business
Capital One Spark Cash Plus
Welcome Offer: Earn $2,000 cash back after spending $30,000 in three months, plus additional bonuses for every $500,000 spent in the first year.
Annual Fee: $150
Key Benefits: The Spark Cash Plus card provides 2% cash back on all purchases. Business owners also can request additional employee cards and have their annual fee waived for spending above $150,000 annually.
To find out more, check out our full review of the Capital One Spark Cash Plus.
Learn More: Capital One Spark Cash Plus
The Business Platinum Card from American Express
Welcome Offer: Earn 150,000 points after spending $20,000 in eligible purchases within the first three months.
Based on Flying Frugal’s July 2025 valuations, this is valued at $3,000.
Annual Fee: $695
Key Benefits: The Amex Business Platinum provides access to numerous lounges and valuable statement credits, including a $200 airline credit every calendar year.
Enjoy automatic elite status with Hilton and Marriott (enrollment required), an array of protections for shopping and travel, and 1.5 points for every dollar in select categories and all purchases over $5,000 (up to $2 million per calendar year, then 1 point per dollar).
For additional details, refer to our comprehensive review of the Amex Business Platinum.
Apply Here: The Business Platinum Card from American Express
Ink Business Unlimited Credit Card
Welcome Offer: Earn $750 cash back after spending $6,000 in three months.
Annual Fee: $0
Key Benefits: The Ink Business Unlimited earns 1.5% cash back on all purchases and provides primary rental car insurance when you book cars for business needs.
For more information, see our review of the Ink Business Unlimited.
Apply Here: Ink Business Unlimited Credit Card
Ink Business Cash Credit Card
Welcome Offer: Earn up to $750: $350 after spending $3,000 in three months, plus an extra $400 after $6,000 within six months.
Annual Fee: $0
Key Benefits: This card earns 5% cash back on office supplies and select utilities for the first $25,000 in combined expenditures, alongside 2% cash back on gas and restaurant purchases. Cardholders will also enjoy primary rental car coverage for business rentals.
For further details, follow our review of the Ink Business Cash.
Apply Here: Ink Business Cash Credit Card
The Blue Business Plus Credit Card from American Express
Welcome Offer: Earn 15,000 points after spending $3,000 within three months.
Based on Flying Frugal’s evaluations, this offers a value of around $300.
Annual Fee: $0
Key Benefits: You’ll earn 2 Membership Rewards points per dollar spent on all purchases up to $50,000 annually, then 1 point per dollar. These points can be transferred to one of Amex’s partners for maximum value.
To learn more, check our comprehensive review of the Blue Business Plus.
Apply Here: The Blue Business Plus Credit Card from American Express
United Business Card
Welcome Offer: Earn 100,000 bonus miles and 2,000 Premier qualifying points after spending $5,000 in three months.
This offer is valued at approximately $1,300 according to Flying Frugal’s July 2025 evaluations.
Annual Fee: $150
Key Benefits: This card offers 7 miles per dollar on United flight purchases, and includes two United Club passes. Additionally, cardholders will enjoy benefits like two free checked bags, priority boarding, and 25% cash back on inflight purchases, alongside a variety of statement credits to help mitigate the annual fee.
For more insights, refer to our complete review of the United Business Card.
Apply Here: United Business Card
For Side Hustlers: Flat Earning Rate Credit Cards
Owning a physical storefront isn’t necessary to apply for a business credit card. Whether you’re a weekend Lyft driver or managing a small Etsy shop, you can earn rewards on your business expenses.
For smaller businesses, focus on cards with a flat rewards rate and low annual fee.
Flat rewards may not be as lucrative as tiered systems but allow you to earn on every dollar spent, regardless of category. Moreover, an annual fee is only worth it if you’re spending thousands monthly on your business card.
Some excellent options if you also have eligible American Express Membership Rewards, Capital One miles, or Chase Ultimate Rewards are:
These cards allow cardholders to pool rewards, maximizing redemption value.
Related: Who is Eligible for a Business Credit Card?
For Office Startups: Cards with Bonus Categories
Various business cards reward spending in categories such as office supplies and wireless services. If you operate out of an office, you can benefit from everyday expenses using these cards.
Potential bonus categories include spending on:
- Dining
- Electronics Retailers
- Gas
- Advertising via media providers
- Software and cloud services
- Transit services
- Cellphone services
Some top options include:
Related: Best Rewards Credit Cards
For Retailers: Cards that Reward Advertising Expenses
If you own a retail shop or an online boutique, you likely spend regularly on advertising. Many business credit cards that reward advertising also offer bonuses in valuable categories like shipping costs.
Popular choices for advertising rewards include:
Related: Best Credit Cards for Advertising Expenses
For Frequent Travelers: Cobranded Cards
If you often travel the same routes, consistently fly with a specific airline, or frequently stay at a particular hotel chain, consider a cobranded business credit card. These cards provide bonus points or miles on every dollar spent with the airline or hotel brand associated with the card.
You’ll gain additional perks such as free checked luggage, preferred boarding, and a quicker route to elite status.
Cobranded cards simplify reaching elite status, with some offering benefits like lounge access and complimentary seat selection.
Common cobranded airline cards include:
Consider a hotel cobranded card if you frequently stay with the same hotel brand but don’t stick to one airline.
Related: Differences Between Business Cards and Personal Cards
Conclusion
Your choice of a business credit card should align with how and where you spend. Each card presents unique perks, all aimed at simplifying your finances while maximizing rewards on everyday costs.
Additionally, if you possess a personal credit card from the same issuer, you might be able to pool points or gain extra travel benefits.
Choosing a business card is crucial; understanding your spending patterns and reward objectives will guide you to the card that best serves your business needs.
Related: Strategies for Selecting Small Business Credit Cards
For rates and fees of the Amex Business Gold Card, click here.
For rates and fees of the Amex Business Platinum Card, click here.
For rates and fees of the Amex Blue Business Plus Card, click here.
