WalletHub
Best Business Credit Cards with Rewards
WalletHub makes it easy to find the best business rewards credit card.
The best business rewards credit cards can give small business owners thousands of dollars in cash back, miles or points each year. Some of the best business rewards credit cards even give bonus rewards on ... show more... show more
Best Business Rewards Credit Cards (November 2025)
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Rates & Fees Winner:
Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
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Rates & Fees Winner:
Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
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Winner:
Capital One Spark Cash PlusLearn MoreLearn More
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No Annual Fee:
Ink Business Cash® Credit CardLearn MoreLearn More
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No Annual Fee:
Ink Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
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No Annual Fee:
Ink Business Cash® Credit CardLearn MoreLearn More
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Initial Bonus:
Ink Business Preferred® Credit CardLearn MoreLearn More
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Initial Bonus:
Ink Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
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Initial Bonus:
Ink Business Preferred® Credit CardLearn MoreLearn More
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Rates & Fees Travel Rewards:
U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Travel Rewards:
U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn Moreon issuer's website
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Travel Rewards:
U.S. Bank Business Altitude® Connect Visa Signature® CardLearn MoreLearn More
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Bonus Rewards:
Ink Business Premier® Credit CardLearn MoreLearn More
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Bonus Rewards:
Ink Business Premier® Credit CardLearn MoreLearn Moreon issuer's website
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Bonus Rewards:
Ink Business Premier® Credit CardLearn MoreLearn More
- Winner:
- No Annual Fee:
- Initial Bonus:
- Travel Rewards:
- Bonus Rewards:
FILTER BUSINESS CREDIT CARDS WITH REWARDS
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- Earn a $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
- No intro APR on purchases
- Available to people with excellent credit
- High rewards rate
- Big initial rewards bonus
- No foreign transaction fees
- High membership fees
- Available to people with excellent credit
- Must be paid in full each month
- Earn a $1,000 initial rewards bonus
- 2% cash back on all purchases
- No annual fee in the first year
- Annual fee in the second year
- Available to people with excellent credit
- High rewards rate
- Earn a 50,000 miles initial rewards bonus
- No membership fees first year
- No foreign transaction fees
- Membership fees in the second year
- No intro APR on purchases
- Available to people with good/excellent credit
- High rewards rate
- 60,000 points initial rewards bonus
- No foreign fee
- Annual fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR: 16.99% - 26.99% (V)
- Foreign fee
- $250 initial rewards bonus
- No annual fee
- 2% cash back on purchases
- 0% intro APR on purchases
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- High regular APR
- Foreign fee
- Requires good/excellent credit
- No annual fee
- High rewards rate
- Bonus categories
- No foreign fee
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Welcome offer: $250 statement credit
- No membership fees
- Low intro APR on purchases
- High rewards rate
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
Our picks for best business rewards credit cards in November 2025
Capital One Spark Cash PlusThe Capital One Spark Cash Plus (see Rates & Fees) is the best business card overall.
Why We Like It: Capital One Spark Cash Plus offers an initial bonus of $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year. Cardholders also earn 2 - 5% cash back spent on purchases.
What We Don’t Like: There is an annual fee of $150, and the balance needs to be paid in full every month.
Who Should Get It: Apply for the Capital One Spark Cash Plus if you have excellent credit personally and you can spend enough to earn the initial bonus.
Alternatives to Consider: The Ink Business Premier® Credit Card and the Capital One Spark Cash both offer a lot of rewards value.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is the best business credit card with no annual fee.
Why We Like It: Ink Cash has an initial bonus of $900 for spending $6,000 in the first 3 months. It also gives 1 - 5% cash back on purchases. The Ink Cash card has a $0 annual fee, too.
What We Don’t Like: Applicants need good or excellent credit for approval, and this card is not a good choice for carrying a balance from month to month after the intro APR promotion expires.
Who Should Get It: Apply for the Ink Business Cash® Credit Card if you have good credit or better personally and its rewards match up well with the transactions you plan to make.
Alternatives to Consider: The Capital One Spark Cash Plus is another good option for cash back, and the Ink Business Preferred® Credit Card has great travel rewards.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is the best business credit card for an initial bonus.
Why We Like It: Chase Ink Preferred offers a bonus of 90,000 points, worth $900 when redeemed for cash and gift cards, for spending $8,000 in the first 3 months. Cardholders also earn 1 - 3 points per $1 spent on purchases normally.
What We Don’t Like: There is an annual fee of $95 and a high APR.
Who Should Get It: Apply for the Ink Business Preferred® Credit Card if you have good or better personally and travel a lot for business.
Alternatives to Consider: The U.S. Bank Business Altitude® Connect Visa Signature® Card and the Ink Business Premier® Credit Card both offer a lot of bonus rewards.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is the best business credit card for bonus rewards.
Why We Like It: The Ink Business Premier® Credit Card offers an initial bonus of $1,000 for spending $10,000 in the first 3 months. Cardholders also earn 2 - 5% cash back on purchases.
What We Don’t Like: The Fidelity 529 Credit Card has a $195 annual fee and a high APR.
Who Should Get It: Apply for the Ink Business Premier® Credit Card if you have good or better personally and your business spendings matches the card’s rewards.
Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark Cash Plus both offer cash rewards at a high rate on everyday business purchases.
U.S. Bank Business Altitude® Connect Visa Signature® Card
The U.S. Bank Business Altitude® Connect Visa Signature® Card is the best business credit cards for travel rewards.
Why We Like It: The U.S. Bank Business Altitude Connect gives 1 - 5 points per $1 on purchase. Cardholders also earn an initial bonus of 60,000 points for spending $6,000 in the first 180 days.
What We Don’t Like: There is an annual fee of $95 starting the second year. There is a fairly high APR, too.
Who Should Get It: Apply for the U.S. Bank Business Altitude® Connect Visa Signature® Card if you have good credit or better personally, plan to travel a lot, but don’t want to commit to a single airline or hotel chain.
Alternatives to Consider: The Ink Business Preferred® Credit Card and the Capital One Spark Miles for Business are both elite business rewards cards worth considering if you travel often.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is the best business credit cards for hotel rewards.
Why We Like It: This card offers 1 - 4 points per $1 on purchases, plus an initial bonus of 60,000 bonus points after spending $5,000 in your first 3 months.
What We Don’t Like: There is an annual fee of $199. You also have to commit to Hyatt hotels for your business trips if you want to maximize your rewards value.
Who Should Get It: Apply for the World of Hyatt Business Credit Card if you travel a lot for business and could easily commit to staying at Hyatt properties whenever you go out of town.
Alternatives to Consider: Other elite hotel credit cards for business include the IHG One Rewards Premier Business Credit Card and the Wyndham Business Credit Card.
JetBlue Business Credit Card
The JetBlue Business Credit Card is the best business rewards credit card for airfare.
Why We Like It: This card gives 1 - 6 points per $1 on purchases, in addition to an initial bonus of 60,000 points after spending $2,000 and paying the annual fee in full within the first 90 days, plus an additional 20,000 points after spending $6,000 within the first year. Cardholders also enjoy a free first checked bag and in-flight bonus rewards.
What We Don’t Like: There is an annual fee of $99, and you need to commit to flying with JetBlue if you want to take full advantage of this card’s rewards.
Who Should Get It: Apply for the JetBlue Business Credit Card if you have good credit or better, you fly regularly, and JetBlue is usually an option for you.
Alternatives to Consider: Another great airline credit card for business is the SKYPASS Business Credit Card.
As you can see, it pays to shop around for the top business rewards card for your needs. With that in mind, you can find a recap of WalletHub’s best business credit cards with rewards listed below.
Best Business Credit Cards with Rewards Comparison
| Business Credit Card | Best For | Annual Fee |
| Capital One Spark Cash Plus (see Rates & Fees) | Overall | $150 |
| Ink Business Cash® Credit Card | No Annual Fee | $0 |
| U.S. Bank Business Altitude® Connect Visa Signature® Card | Travel Rewards | $0 intro 1st yr, $95 after |
| Ink Business Premier® Credit Card | Bonus Rewards | $195 |
| Ink Business Preferred® Credit Card | Initial Bonus | $95 |
| World of Hyatt Business Credit Card | Hotel Rewards | $199 |
| JetBlue Business Credit Card | Airline Rewards | $99 |
The very best business credit cards with rewards require good or excellent personal credit for approval. Business credit card issuers base approval decisions on applicants’ personal credit history because it tends to be longer than a company’s credit history and more predictive of cardholder performance. Plus, business credit card owners are held personally liable for unpaid balances. So you might want to check your latest credit score before you apply.
How we picked the best business rewards credit cards
WalletHub editors’ picks for the best rewards credit cards for business are based on a comparison of more than 1,500 credit card offers. At a high level, we estimate how much money the average small business owner is likely to save with each card, based on initial bonuses, ongoing rewards rates, annual fees, APRs, and spending data from the Bureau of Labor Statistics. We also consider factors such as approval requirements, secondary benefits of considerable value, policies for employee authorized users, and more. This enables us to identify the best rewards credit cards for businesses of all types.
The competition
There are lots of really good business rewards credit card offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
annual fee$0 intro for 1st yr, $95 after
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annual fee$99
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annual fee$0
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rewards rate
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rewards rate
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rewards rate
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bonus offer Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
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bonus offer 140,000 points
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bonus offer 30,000 points after spending $3,500, or 50,000 points after spending $9,000 in 30 days.
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Purchase Intro APRN/A
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Purchase Intro APRN/A
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Purchase Intro APRN/A
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transfer intro aprN/A
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transfer intro aprN/A
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transfer intro aprN/A
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Regular APR24.99% (V)
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Regular APR19.74% - 28.24% (V)
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Regular APRNot Applicable
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SponsoredApply Now
SponsoredApply Now
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SponsoredApply Now
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About the author
John S Kiernan
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Business Rewards Credit Card FAQ
Comparing business credit cards with rewards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Can you get a business credit card with EIN only? Reply
Yes, you can apply for some business credit cards with an EIN only, but most credit cards will not allow it. Most business credit cards require a Social Security number or Individual Taxpayer Identification Number in addition to an Employer Identification Number (EIN).
The EIN shows that you’re legitimately a business owner. The SSN, or ITIN, allows the credit card company to review your personal credit history when evaluating your application and hold you personally accountable for paying the bill if you’re approved. Almost all business credit cards require personal liability, but there are a few exceptions.
Business Credit Cards You Can Apply for with an EIN Only:
- Sam's Club® Business Credit Card: You can apply without an SSN if your company makes $5+ million per year, is more than 2 years old, and has more than 10 employees. You can only get this card if you’re a Sam’s Club member, and you need good business or personal credit to be approved. You can use the card anywhere that accepts Mastercard.
- Speedway Fleet Credit Cards: You can apply for these cards without an SSN if you’ve been in business for at least three years. You can use it at all 8,200+ 7-Eleven, Speedway, and Stripes gas stations and 45,000 partner stations nationwide. All cards require good business or personal credit.
- Shell Business Credit Card: You can get this card without any personal liability if you’re applying on behalf of a government entity or non-profit, or if your business has been open for at least three years and does $1+ million in yearly sales. This card requires fair business or personal credit, and you can use it at any of the 12,000 Shell gas stations nationwide.
If you want to apply for a business card with only an EIN, the choices are slim. But your options become far greater when you consider the full range of cards that require personal liability.
If you’re worried that your personal credit isn’t good enough to qualify for a business credit card, remember that you can apply for a secured business card, or even consider applying for a secured personal card and use it for business expenses. So, consider personal options such as the opensky® Plus Secured Visa® Credit Card as well as the likes of the Business Advantage Unlimited Cash Rewards Secured credit card ". Both are available to people with bad credit.
What credit score do you need for a business credit card? Reply
You need a credit score of at least 700 to get one of the best business credit cards. Most premium business credit cards require you to have good or excellent credit to qualify for approval, though business owners with fair credit (640+ credit score), limited credit history, or poor credit can still find decent options. Essentially, business credit cards are available for all credit levels, but the best offers go to those with higher scores.
Note that...
Can you redeem business credit card rewards for personal use? Reply
Yes, you can redeem business credit card rewards for personal use. However, there are reasons you may not want to. After all, business credit cards are designed with business owners in mind, so the cards’ rewards and benefits are geared more toward business needs than consumer needs.
What You Should Know About Business Credit card Rewards
- Business credit card rewards are deductible expenses: Credit card rewards are generally not taxable, but the...
What are the best Amazon business credit cards? Reply
The best Amazon business credit card is the Amazon Business Prime American Express Card because it offers a $125 Amazon.com gift card upon approval and 1 - 5 points per $1 spent on purchases. The Amazon Business Prime American Express Card has a $0 annual fee.
It’s worth noting that this card is reserved for Prime members and requires at least good credit for approval.
Best Amazon Business Credit Cards
Initial Bonus: $125 Amazon.com gift card upon approval
Ongoing Rewards: 5 points per $1 spent at Amazon and Whole Foods Market (up to $120,000 each year), 2 points per $1 spent at U.S. restaurants and U.S. gas stations, 2 points per $1 spent on wireless telephone services purchased directly from U.S. service providers, as well as 1 point per $1 spent on all other purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $100 Amazon.com gift card upon approval
Ongoing Rewards: 3 points per $1 spent at Amazon and Whole Foods Market (up to $120,000 each year), 2 points per $1 spent at U.S. restaurants and U.S. gas stations, 2 points per $1 spent on wireless telephone services purchased directly from U.S. service providers, as well as 1 point per $1 spent on all other purchases
Annual Fee: $0
Credit Score: Good
Amazon business credit cards are designed specifically for small business owners. They also allow you to carry a balance between...
Best Credit Card Rewards Programs
There is a big difference between simply getting a rewards credit card and finding the best offer for your needs. Finding any old rewards card is easy. Hundreds of offers are available, and even people with bad credit can qualify for some of them. But with numerous rewards currencies to choose from and various restrictions to watch out for, the best rewards card isn’t always so obvious.
To help people make truly informed choices, WalletHub compared every consumer rewards credit card from the 19 largest issuers (86 total offers), excluding co-branded cards. We evaluated each card’s eligibility requirements, rewards earning and redemption policies, and expected rewards value.
What is the best Shell business credit card? Reply
The best Shell business credit card is the Shell Business Credit Card because you get a rebate of up to 6¢ / gallon, depending on how much you spend each billing period, and the annual fee is $0. The Shell Business Credit Card works at 12,000+ U.S. Shell and Jiffy Lube locations.
Best Shell Business Credit Cards
- No Membership Fees:
- No Membership Fees:
- No Membership Fees:
- No Membership Fees:
Ongoing rewards: 2 - 6 ¢ per gallon, depending on how much you spend each billing period
Acceptance: Over 12,000 U.S. Shell and Jiffy Lube locations
...What is the best Spark business card? Reply
The best Capital One Spark business card is Capital One Spark Cash Plus (see details, rates & fees). It gives 2 - 5% cash back on purchases and offers a bonus of $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year. The Capital One Spark Cash Plus (see details, rates & fees) card also has a $150 annual fee. Just keep in mind that this is a charge card, so the balance needs to be paid in full each month.
Best Spark Business Credit Cards
- Details, Rates & Fees High Spenders: Capital One Spark Cash Plus
- Details, Rates & Fees Double Rewards: Capital One Spark Cash
- Details, Rates & Fees Travel Rewards: Capital One Spark Miles for Business
- Details, Rates & Fees No Annual Fee: Capital One Spark Cash Select
- High Spenders: Capital One Spark Cash Plus
- Double Rewards: Capital One Spark Cash
- Travel Rewards: Capital One Spark Miles for Business
- No Annual Fee: Capital One Spark Cash Select
Although Capital One Spark Cash Plus (see details, rates & fees) is the best Capital One Spark card overall, the other options are certainly worth...
What's the best Barclays business credit card? Reply
The best Barclays business credit card is the Wyndham Business Credit Card because it offers an initial bonus of 45,000 points after spending $3,000 and paying the annual fee in full in the first 90 days. Plus, you can earn 1 - 8 points per $1 spent on purchases. The Wyndham Business Credit Card’s annual fee is $95, and it requires at least good credit for approval.
In general, a Barclays business credit card is best for frequent business travelers. All Barclays business cards currently offered in the U.S. are co-branded with a specific airline or hotel.
Best Barclays Business...
What are the best 3% cash back business credit cards? Reply
The best 3% cash back business credit card is the PNC Cash Rewards® Visa Signature® Business Credit Card because it offers 1.5 - 3% Cash Back. It also has an introductory APR of 0% for 9 months on purchases and a $0 annual fee. Applicants need excellent personal credit for approval, and the regular APR is 18.24% - 28.49% (V).
Best 3% Cash Back Business Credit Cards of 2025 Compared
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Card Name |
Best For |
Rewards Rate |
Annual... |
What is the best fuel card for small business? Reply
The best fuel card for small business is the U.S. Bank Business Altitude® Connect Visa Signature® Card. It offers 4 points per $1 spent on fuel purchases at any station, as well as on travel expenses and purchases from EV charging stations, up to $150,000 spent per year across these bonus categories. New cardholders also get an initial bonus of 60,000 points for spending $6,000 in the first 180 days.
U.S. Bank Business Altitude Connect has a $95 annual fee starting the second year your account is open. It requires at least good credit...
Featured Credit Cards
Expert Opinions
For more advice on how to make business credit card use as rewarding as possible, WalletHub posed the following questions to a panel of experts. You can see who they are and what they said below.
- Should every small business owner have a business rewards credit card?
- What percentage of small business owners would you say have the right rewards card?
- What tips do you have for small business owners who are shopping for a rewards card?
Retired Associate Professor, Fox School of Business, Temple University
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Senior Lecturer Finance, Florida State University, College of Business
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B.A. LL.B (Law), M.B.A, Ph.D., Professor of Management, Austin E. Cofrin School of Business, UW-Green Bay
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Senior Lecturer - School of Business - University of Wisconsin – Madison
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Ph.D., CPIM, The Shah Family Endowed Chair in Innovativeness, Inspiring Creative High-Tech Thinking in Low-Tech Industries Nationally, Argyros College of Business and Economics, Chapman University
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Ph.D., MBA, Seth and Hazel Macon Professor of Business Management, MBA Director and Chair, Department of Business and Accounting, Guilford College
Read More
Important Disclosures
Ad Disclosure Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Fifth Third Bank Preferred Cash/Back Card, Navy Federal Credit Union Visa Signature® Flagship Rewards Credit Card, PNC Premier Traveler® Visa Signature Credit Card, Bank of America® Premium Rewards® credit card, PenFed Pathfinder® Rewards Visa Signature® Card, Security Service Power Cash Back World Mastercard®, Evergreen® by FNBO Credit Card, Synchrony Premier World Mastercard®, Truist Enjoy Cash Credit Card, USAA Eagle Navigator® Credit Card, PNC Cash Unlimited® Visa Signature® Credit Card, U.S. Bank Smartly™ Visa Signature® Card, Shell Business Credit Card, Shell Business Flex™ Card, Sam's Club® Business Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card, Comerica Bank Mastercard® Business Cash Preferred Credit Card, State Farm Business Cash Rewards Visa Signature® Card, PNC Cash Rewards® Visa Signature® Business Credit Card, Capital One Spark Miles Select for Business, Amazon Business American Express Card, Amazon Business Prime American Express Card, Ink Business Preferred® Credit Card, Capital One Spark Classic for Business, Wyndham Business Credit Card, Ink Business Cash® Credit Card, Ink Business Premier® Credit Card, JetBlue Business Credit Card, World of Hyatt Business Credit Card, IHG One Rewards Premier Business Credit Card, Fidelity 529 Credit Card, and SKYPASS Business Credit Card.
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