How good is your credit?

Best Business Credit Cards with Rewards
WalletHub makes it easy to find the best business rewards credit card.
Business rewards credit cards give small business owners cash back, miles or points for every dollar they spend. Some business rewards credit cards give the same amount of rewards on all purchases, while others give more rewards in designated bonus categories such as office supplies or telecom services.... show more... show more
Best Business Credit Cards with Rewards of April 2023
BUSINESS CREDIT CARDS WITH REWARDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Capital One Spark Cash Select - 0% Intro APR for 12 Months Capital One Spark Cash Select - 0% Intro APR for 12 Months

- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express

- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
Ink Business Cash® Credit Card Ink Business Cash® Credit Card

- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 17.74% - 23.74% (V) regular APR
- 3% foreign transaction fee
New Business Card! Ink Business Premier℠ Credit Card New Business Card! Ink Business Premier℠ Credit Card

- High rewards rate
- $1,000 initial rewards bonus
- No foreign fee
- High membership fees
- Requires good/excellent credit
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card

- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Capital One Spark Miles for Business Capital One Spark Miles for Business

- High rewards rate
- 50,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

- No annual fee
- Intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
GM Business Card™ GM Business Card™

- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $750 initial rewards bonus
- No balance transfers allowed
- High regular APR
- Requires good/excellent credit
Ink Business Preferred® Credit Card Ink Business Preferred® Credit Card

- High rewards rate
- 100,000 points initial rewards bonus
- No foreign fee
- Membership fees
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Select - $500 Cash Bonus

- No membership fees
- $500 initial rewards bonus
- No foreign fee
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best business rewards credit cards.
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.
Our picks for best business rewards credit cards in April 2023
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is the best business rewards credit card overall.
Why We Like It: Ink Cash has an initial bonus of $750 for new cardholders who spend $6,000 in the first 3 months. It also gives 1 - 5% cash back on purchases normally. 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.
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 bonus rewards.
Why We Like It: Chase Ink Preferred offers a bonus of 100,000 points, worth $1,250 in travel booked through Chase, for spending $15,000 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 Ink Business Cash® Credit Card and the Capital One Spark Miles for Business both offer a lot of rewards value.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is one of the best business credit cards for travel rewards.
Why We Like It: The Capital One Spark Miles for Business gives 2 miles per $1 on purchases, and it has an annual fee of $0 intro for 1st yr, $95 after. Cardholders also earn an initial bonus of 50,000 miles for spending $4,500 in the first 3 months.
What We Don’t Like: There is an annual fee of $95 from the second year on. There is a fairly high APR, too.
Who Should Get It: Apply for the Capital One Spark Miles for Business 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 Cash® Credit Card and the Capital One Spark Cash Plus are both elite business rewards cards worth considering.
Capital One Spark Cash Select - $500 Cash Bonus
The Capital One Spark Cash Select - $500 Cash Bonus is the best business rewards credit card with no annual fee.
Why We Like It: The Spark Cash Select with Bonus gives unlimited 1.5% cash back on all purchases, except hotel and rental car bookings made through Capital One Travel, which get you 5% cash back. The Spark Cash Select with Bonus also offers an initial bonus of $500 for spending $4,500 in the first 3 months.
What We Don’t Like: You have to book travel through Capital One to get the top rewards rate. This card also requires excellent credit for approval.
Who Should Get It: Apply for the Capital One Spark Cash Select - $500 Cash Bonus if you have excellent credit or better personally and don’t plan to use the card enough to justify paying an annual fee.
Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark Miles Select for Business are two more business rewards cards with no annual fee that are worth considering.
Wyndham Business Credit Card
The Wyndham Business Credit Card is one of the best business credit cards for hotel rewards.
Why We Like It: This card offers 1 - 8 points per $1 on purchases, plus an initial bonus of 45,000 points after spending $2,000 in the first 90 days.
What We Don’t Like: There is an annual fee of $95. You also have to commit to Wyndham hotels for your business trips if you want to maximize your rewards value.
Who Should Get It: Apply for the Wyndham Business Credit Card if you travel a lot for business and could easily commit to staying at Wyndham properties whenever you go out of town.
Alternatives to Consider: Other elite hotel credit cards for business include the IHG® Rewards Premier Business Credit Card and the World Of Hyatt 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 miles after spending $2,000 in the first 90 days plus 10,000 miles after a purchase is made on an employee card. Cardholders also enjoy free checked bags 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 |
Ink Business Cash® Credit Card | Overall | $0 |
Ink Business Preferred® Credit Card | Initial Bonus | $95 |
Capital One Spark Miles for Business | Travel Rewards | $0 intro for 1st yr, $95 after |
Capital One Spark Cash Select - $500 Cash Bonus | No Annual Fee | $0 |
Wyndham Business Credit Card | Hotel Rewards | $95 |
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.
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.
Info | ![]() Capital One Spark Cash Plus | ![]() World Of Hyatt Business Credit Card | ![]() Brex Corporate Card for Startups |
---|---|---|---|
Annual Fee | $150 | $199 | $0 |
Bonus Offer | $1,000 | 60,000 points | 50,000 points |
Rewards Rate | 2 - 5% Cash Back | 1 - 4 points / $1 | 1 - 7 points / $1 |
Purchase Intro APR | N/A | N/A | N/A |
Transfer Intro APR | N/A | N/A | N/A |
Regular APR | Not Applicable | 20.49% - 27.49% (V) | Not Applicable |
Editors' Rating | 4.8 | 4.4 | 4 |
Details, Rates & Fees | Learn More | Learn More | Learn More |
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.show more
show less
Searching for answers... No Matching Results
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?
Ph.D., Assistant Professor of Management, Campbell School of Business, Berry College
Read More
Ph.D., Professor, Finance Menlo College
Read More
Assistant Professor, Department of Management and Marketing, Louisiana State University Shreveport
Read More
Johnny D. Pope Chair in Entrepreneurship and Professor, School of Entrepreneurship, Oklahoma State University Spears School of Business
Read More
Executive in Residence, Clinical Professor of Management, Brennan School of Business, Dominican University
Read More
Ph.D., Vice-President Program-Chair, Southwestern Finance Association, Editorial Board, International Review of Financial Analysis, Associate Professor of Finance, McNair, Honors, UROP and Beach Mentor, GenExcel 1st gen mentor, Faculty advisor, Society of Women in Business, California State University, Long Beach
Read More
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.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: