Earning rewards on your business spending is often a faster way to earn points or miles because your business probably spends a lot more than you do personally. If you are paying one or more salaries, buying new stock and paying creditors, your business expenses can easily run into 5 digits.
Today many business credit cards reward you every time you make a purchase, and some give you higher rewards when you spend in certain categories.
GET.com's Best Rewards Credit Cards For Small Businesses
|Best For||Credit Card|
|Rewards||The Business Platinum® Card from American Express OPEN|
|Travel||Capital One® Spark® Miles for Business|
If you already use credit cards to consolidate your financial transactions for easier accounting, then there is no good reason not to use a business credit card that rewards you for your purchases.
Our 7 Best-Rated Business Cards For Cash Back
SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser
Capital One® Spark® Cash for Business
Bank of America® Cash Rewards for Business MasterCard® credit card
Capital One® Spark® Cash Select for Business
Capital One® Spark® Classic for Business
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Business Green Rewards Card from American Express OPEN
Cash back credit cards provide direct savings to your business by offering hassle-free cash rewards. Many of these cards let you redeem this cash back automatically as a statement credit, or even as checks or deposits into your business account.
SimplyCash® Plus Business Credit Card from American Express is a very effective cash back credit card with a very special offer: After you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership, you earn $200 statement credit, plus, an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. What we like about this card is that it lets you choose a category of purchases (from a list of 8 select business-related categories) to earn 3% cash back on. On top of that you earn 5% cash back for purchases at U.S. office supply stores and on wireless telephone services (that you purchase directly from U.S. service providers). The 5% and 3% cash back applies to the first $50,000 in combined purchases in these categories you make each calendar year. You earn 1% thereafter for the remainder of that rebate year. Other purchases made with this card earn 1% cash back, so you can save every time you use this card to make purchases. The cash back you earn is automatically credited to your statement, so this is a good card for hassle-free savings. Terms and limitations apply. This American Express business credit card has no annual fee.
Read our review of SimplyCash® Plus Business Credit Card from American Express here.
Capital One® Spark® Cash for Business gives you the opportunity to earn a one-time $500 cash bonus after you spend $4,500 on purchases within 3 months of approval. That's a very tempting bonus offer. But the highlight of this card is that it lets you earn unlimited 2% cash back on every purchase you make, every day. So if your spending doesn't quite fit the categories offered by other rewards cards, or your business spending is much higher than the caps that other cards place on cash back for purchases, then this may be the perfect card for you. For example, if your total annual business purchases are $100,000 then using this card could let you earn $2,000 cash back. Cash rewards don't expire, and you can redeem them in different ways. Benefit from no foreign transaction fees, free employee cards and Spark privileges like a $0 fraud liability policy, purchase security and extended protection, downloadable purchase records (including QuickBooksTM Quicken®, Excel®), and quarterly and year-end summaries. This card has a $0 intro annual fee for the first year, $59 after that, but if your business runs on an average budget, the cash back you earn can more than compensate.
Bank of America® Cash Rewards for Business MasterCard® credit card gives you 3% cash back for purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on your other purchases (Up to $250,000 in combined gas station and office supply store purchases annually; then a 1% earn rate after that). You can earn a $200 statement credit, after making $500 in purchases using your new card within 60 days of account opening. You can redeem your cash rewards for cash back, or even apply them to a Bank of America® savings or checking account. Enjoy 0% intro APR on purchases for the first 9 billing cycles with 11.74% - 21.74% variable APR thereafter. This business cash back card has no annual fee.
Capital One® Spark® Cash Select for Business is a $0 annual fee cash back card that comes with a one-time $200 cash bonus (once you spend $3,000 on purchases using this card within 3 months of approval). This is a very uncomplicated card to use for cash back, as you earn unlimited 1.5% cash back on every purchase charged to this card. You can set up automatic cash back redemption, or redeem any amount of cash back any time you choose. Enjoy all the Spark business benefits, including online quarterly and year-end summaries of your business spending on the card. This card has no foreign transaction fees.
Read our Capital One® Spark® Cash Select for Business review here.
Capital One® Spark® Classic for Business is a business credit card that you can apply for with fair (average) credit. This card lets you earn 1% cash back on every purchase you make, every day. because the cash back you earn is unlimited, it can add up to decent savings. This card comes with $0 Fraud Liability if your card is stolen or lost. Other security features include real-time alerts of fraud attempts (via text, email, or phone) and chip technology. Business benefits like free employee cards, quarterly and year end expense summaries and downloadable purchase records in various formats including Quicken®, QuickBooksTM and Excel® make this a very useful card for tracking business expenses. This is our choice of business credit card for fair credit, as it also lets you build business credit when you use it responsibly (and you will want to make your payments on time to avoid the 23.49% variable APR). It has a $0 annual fee.
Read our full review of Capital One® Spark® Classic for Business here.
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is a good basic business cash back card which lets you earn unlimited 3% cash back on all gas, cellular, and office supply store net purchases (purchases minus credits and returns). These are major expenses for many businesses, so this card can help you save. You earn 1% cash back on all your other net purchases, and every year you earn a 25% annual cash rewards bonus of up to $250 on the cash back you have earned that year. Earn a new cardmember bonus that gives you $150 after you spend $500 in net purchases on your card within the first 90 days of account opening. You can redeem for statement credit or a deposit into your U.S. Bank checking, savings, or money market account, as soon as you accumulate at least $25 in cash back. You can also redeem for a rewards gift card. Enjoy 0% introductory APR on qualifying purchases for the first 9 billing cycles, with 12.49% - 18.49% variable APR after that. If you spend a lot of money on mobile phone services, gas and office supplies, then this card can be very rewarding. You pay no annual fee.
Read our U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® review here.
Our 5 Best Rated Business Cards With Rewards Points
The Business Platinum® Card from American Express OPEN
The Business Gold Rewards Card from American Express OPEN
The Blue for Business® Credit Card from American Express
U.S. Bank Business Edge™ Select Rewards
Business Green Rewards Card from American Express OPEN
Rewards programs that let you earn points are also common, and many of the best rewards programs let you get more value or special deals when you redeem points for travel, gift cards, merchandise, and in some cases even cash.
The Business Platinum® Card from American Express OPEN gives your business access to Platinum privileges from American Express. The welcome offer lets you earn up to 75,000 Membership Rewards® points. Here's how you can earn them: after spending $5,000 you'll earn 50,000 Membership Rewards points which is already a big bonus in itself, but if after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership you'll earn an extra 25,000 Membership Rewards points. This card also lets you earn more Membership Rewards® points: you'll earn 1.5 points per $1 spent on each qualifying purchase of $5,000 or more (up to 1 million additional points per year). You earn 1 Membership Rewards® point for each $1 that you spend on eligible purchases under $5,000. Get a 50% Airline Bonus: When you use Membership Rewards® Pay with Points to pay for a flight (or part of a flight) with a qualifying airline that you select, you can get 50% of the points back. Plus, you get 50% of your points back on First and Business class flights on all airlines available through American Express Travel. This card has special benefits for business travel, including complimentary access to airport lounges worldwide (over 1,000 lounges including Priority PassTM Select, The CenturionSM Lounges, Delta Sky Clubs®, and Airspace Lounges) and 10 Gogo in-flight internet passes annually. You also enjoy unlimited Wi-Fi at Boingo hotspots worldwide. Save with a $200 Airline Fee Credit you get every year towards incidental fees (like in-flight refreshments or checked bags) charged to your card, on a qualifying airline of your choice. You also receive a statement credit every 5 years towards the cost of TSA Pre✔TM ($85) or Global Entry ($100), purchased with this Card. Save time by getting the help you need from concierge staff at any time of day or night. This exclusive business card has no foreign transaction fee. The $450 annual fee may seem high, but if you consider that just getting unlimited access to a major airport lounge service can cost you almost $400, this annual fee is really a bargain for frequent business travelers. Terms & Restrictions Apply
Read our review of The Business Platinum® Card from American Express OPEN here.
The Business Gold Rewards Card from American Express OPEN lets you earn 50,000 Membership Rewards® points after spending $5,000 on purchases charged to your Card within the first 3 months of your Card Membership. What we like about this card is that you can choose 1 out of 5 categories of purchases to earn 3X points per $1 in (U.S. purchases for advertising in select media, airfare purchased directly from airlines, U.S. purchases at gas stations, U.S. computer hardware, software, and cloud computing purchases made directly from select providers, and U.S. purchases for shipping. You earn 2X points on purchases you make in the remaining 4 categories, and 1 point per $1 on other purchases. Business perks include the ReceiptMatch Mobile App which you can download and use to easily capture, store and organize your receipts on the go (for purchases made with this card), and the option to enroll in Sync with QuickBooks. You can then tag transactions with your QuickBooks categories and add them to your QuickBooks account. You also set limits for employee card spending and monitor transactions. Enjoy purchase benefits like extended warranty and purchase protection. Travel perks include car rental loss and damage insurance, travel accident insurance, premium roadside assistance, a baggage insurance plan, and no foreign transaction fee. This rewarding charge card has a $0 introductory annual fee for the first year, then $175. Terms and limitations apply.
Read our full The Business Gold Rewards Card from American Express OPEN review.
The Blue for Business® Credit Card from American Express has a bonus offer that lets you earn 10,000 Membership Rewards® points (valued at up to $100 in gift cards at select merchants) after making your first purchase using your Card within your first 3 months as a Card Member. Earn 10X points at U.S. restaurants for the first 6 months (as a limited time offer that expires 02/22/2017) on up to $2,000 in purchases. Earn 2X points on all qualifying purchases on the first $50,000 spent the first year. This card has $0 annual fee and you pay no annual fee for additional employee cards. Business perks include ReceiptMatch with QuickBooks® which lets you label your card transactions with your own QuickBooks categories and send data directly to your company's QuickBooks file. Terms & Conditions Apply.
Read our review of The Blue for Business® Credit Card from American Express here.
U.S. Bank Business Edge™ Select Rewards lets you earn 10,000 bonus points after spending $500 in net purchases during your first 90 days after account opening. This card lets you earn 3 points per dollar for net purchases you make in your choice of one of these categories: day-to-day expenses, travel & entertainment or automobile. You earn 1 point per dollar on all other net purchases (net purchases include purchases minus returns and credits). There is no limit on the total number of points you can earn, and points can be redeemed for statement credit, as well as merchandise, travel or gift cards. This card has no annual fee.
Read our U.S. Bank Business Edge™ Select Rewards review.
Business Green Rewards Card from American Express OPEN lets you earn 5,000 Membership Rewards® points after making your first purchase using this Card. You earn 1 Membership Rewards® point for each $1 that you spend on eligible purchases and double Membership Rewards® points for each dollar of eligible purchases from the American Express Travel website. This card lets you access American Express OPEN business benefits like Account Manager which lets you appoint an associate to help manage your account and choose from two levels of access, dispute resolution, mobile and tablet apps and ReceiptMatchSM with QuickBooks® (capture receipts, add customized QuickBooks® labels and sync with your company file). This card has $0 introductory annual fee for the first year, then $95.
Read our Business Green Rewards Card from American Express OPEN review.
If you use the right business rewards card, you can even transfer your rewards to your personal card to combine with rewards you've earned on your personal spending. For example, Chase lets you transfer points in 1,000 point increments from your Chase card that uses Ultimate Rewards to another Ultimate Rewards card account which belongs to you (or your spouse, business partner, or domestic partner).
That means you could transfer all of the points that you and your employees chalk up through business spending with your Ink Cash® Business Credit Card to your (or your spouse's) personal Chase Sapphire Preferred® Card. You can then transfer those points to leading airline and hotel loyalty programs at full value (1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points). That's a pretty chilled way to pay for your next vacation flights.
American Express, on the other hand, does not allow you to combine Membership Rewards® points between business and personal credit cards.
Our 6 Best Rated Business Travel Credit Cards
Capital One® Spark® Miles for Business
Bank of America® Travel Rewards World MasterCard® for Business credit card
Gold Delta SkyMiles® Business Credit Card from American Express
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®, a partner card
Capital One® Spark® Miles Select for Business
Starwood Preferred Guest® Business Credit Card from American Express
If you travel for business rather than pleasure, a business miles credit card can help you save by earning miles towards your business travel. Dedicated airline and hotel credit cards can help you and your employees enjoy privileges with certain airlines and at certain hotels while helping you save with discounts, rewards and even free nights.
Capital One® Spark® Miles for Business is a miles rewards credit card for your business that lets you earn a one-time bonus of 50,000 miles which you can earn after spending $4,500 or more on purchases within 3 months of approval. Instead of rewarding you for purchases in specific categories, this card lets you earn 2 miles for each $1 your business spends on every purchase, every day. Miles don't expire and there is no cap on the amount of miles you can earn and accumulate. You can redeem your miles in different ways (travel, cash back, gift cards, and more), and you don't get blackout dates or seat restrictions when redeeming for travel, because the miles you earn can be redeemed as a credit towards the cost of any travel purchases you make using the card. Other travel perks include no foreign transaction fees and an auto rental collision damage waiver for rentals paid for with this card. Free employee cards and and quarterly and year-end summaries are just some of the many business benefits you get with this card. $0 intro annual fee for the first year, $59 after that.
Read our Capital One® Spark® Miles for Business review here.
Bank of America® Travel Rewards World MasterCard® for Business credit card lets you earn 1.5 points for each $1 you spend on all purchases. You earn 3 points for every $1 that you spend on travel booked through Bank of America's Travel Center. Earn 25,000 bonus points after spending $1,000 on your account within 60 days of account opening. This card has a 0% introductory APR for the first 9 billing cycles on purchases followed by 11.74% - 21.74% variable APR, and also has no annual fee. Travel benefits include travel accident insurance, lost luggage reimbursement and auto rental collision coverage.
Gold Delta SkyMiles® Business Credit Card from American Express is a rewards card with special benefits for Delta frequent business flyers. As a welcome offer you earn 30,000 bonus miles after making $1,000 in purchases within your first 3 months of Card Membership, using your new Card. You can also earn a $50 statement credit after making a Delta purchase with your new Card within your first 3 months, so that could be $50 savings on your next Delta booking. You earn 2 miles per $1 of purchases made directly with Delta and 1 mile on every eligible $1 spent on other purchases. As well as Delta air tickets, you can also redeem your miles for car rentals, hotel stays, gift cards, merchandise, and more. Besides earning miles, you also get Delta perks like priority boarding, first checked bag free, and 20% savings on your eligible in-flight purchases (in the form of a statement credit). American Express benefits include travel accident insurance, car rental loss and damage insurance, no foreign transactions fees, purchase protection, return protection, and extended warranty. This Delta credit card has a $0 introductory annual fee for the first year, then $95.
Read our Gold Delta SkyMiles® Business Credit Card from American Express review.
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is a frequent flyer credit card that will benefit American Airlines customers. Limited time offer: Earn 50,000 American Airlines AAdvantage® bonus miles after you charge $3,000 in purchases to this card within the 3 first months of account opening. You earn 2 AAdvantage® miles per $1 spent on eligible purchases from American Airlines®, gas stations, car rental merchants and telecommunications merchants. Other purchases made with this card earn 1 AAdvantage® mile per $1 spent. Enjoy American Airlines benefits like first checked bag free (for you and up to 4 traveling companions on the same reservation) on domestic American Airlines flights and 25% savings when you use this card to purchase in-flight food, beverages and headsets on American Airlines flights. You also get Group 1 Boarding on American Airlines flights. You earn an American Airlines companion certificate every year in which you spend $30,000 or more on purchases with this card. Business benefits like online annual and quarterly account summaries, access to a 24/7 personal business assistant (concierge), and employee cards at no additional cost make this a useful business card for travel savings. The $95 annual fee is waived for the first 12 months.
Read our CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® review here.
Capital One® Spark® Miles Select for Business is a no annual fee business miles credit card that lets you earn a one-time bonus of 20,000 miles after you spend $3,000 on purchases within 3 months of approval. Every purchase made with this card earns unlimited 1.5 miles per $1 spent. Business perks include easily downloadable purchase records (in Excel, QuickBooks, Quicken, and other formats), a $0 fraud liability policy (many business cards don't limit fraud liability), quarterly and year-end transaction summaries, purchase security, and extended protection. This card has no foreign transaction fee and no annual fee.
Read our review of Capital One® Spark® Miles Select for Business here.
Starwood Preferred Guest® Business Credit Card from American Express can help your business save money and give you exclusive hotel perks if you regularly stay at Starwood hotels (including Sheraton, Westin, Four Points by Sheraton, W Hotels, St. Regis, The Luxury Collection). Start off with a limited time welcome offer that lets you earn up to 35,000 bonus Starpoints® (offer ends 4/5/2017): earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months and an additional 10,000 bonus Starpoints®. You can earn up to 5 Starpoints® for eligible purchases you make at participating SPG hotels (2 points per $1 with this card, plus 2-3 points you may earn as an SPG member). You earn 1 point per $1 for other eligible purchases charged to this card. Starpoints® can be redeemed towards free nights (at over 1,300 hotels and resorts) or for free flights on over 150 airlines with SPG Flights and there are no blackout dates. You can enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide when you enroll. You also receive free (in-room) premium internet access at participating SPG® Hotels. This is a huge benefit as many hotels charge a ridiculous amount of money for in-room internet access. Booking requirements apply. Enjoy free access to the Sheraton® Club lounge and each year you receive credit for 5 nights and 2 stays towards SPG elite status. Benefits include travel accident insurance, return protection, extended warranty, purchase protection, no foreign transaction fees and car rental loss and damage insurance. This card has a $0 introductory annual fee for the first year, then $95. Terms apply.
Check out our review of Starwood Preferred Guest® Business Credit Card from American Express here.
How We Rate Business Rewards Cards
The most important factor in our rating process for business rewards cards at GET.com is the amount of rewards you earn per dollar spent on purchases.
The cost of a card, including the annual fee, APR, foreign transaction fees and other fees are also taken into account. We look at the relevance of rewards categories. Cards that have business-relevant categories for earning rewards and cards that allow you to earn rewards on all purchases receive higher ratings in this regard.
Other things that factor into our final card ratings are benefits, including business benefits, purchase benefits, specialized merchant benefits and travel benefits. Introductory APR is also considered. Our goal is to provide a clear and simple overview of the overall value that a payment card can bring to your business.
Ivan Daniel is a writer at GET.com. Email: email@example.com.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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