Business Credit Cards with Rewards

The best Spark business card is Capital One Spark Cash for Business because it gives 2% cash back on all purchases and offers a $500 cash bonus for spending $4,500 in the first 3 months. Capital One Spark Cash for Business also has a $0 annual fee the first year ($95 after).

If you plan to use your card more for travel, the best Spark business card is Capital One Spark Miles for Business. It gives 2 miles / $1 and offers a bonus of 50,000 miles (still worth $500).

If you don’t want to pay an annual fee, the best Spark Business card is either Spark Cash Select or Spark Miles Select. The rewards aren’t as good, but these cards don’t cost anything to own and offer 0% APRs for 9 months on purchases.

Capital One Spark Business Cards:

• Capital One Spark Cash for Business: 2% cash back on all purchases. $500 cash bonus for spending $4,500 in the first 3 months. $0 annual fee first year, $95 after. 20.99% (V) regular APR. Good personal credit required.

• Capital One Spark Miles for Business: 2 miles / $1 on all purchases. 50,000 miles bonus ($500 value) for spending $4,500 in the first 3 months. $0 annual fee first year, $95 after. 20.99% (V) regular APR. Good personal credit required.

• Capital One Spark Cash Select for Business: 1.5% cash back on all purchases. 200 cash bonus for spending $3,000 in the first 3 months. $0 annual fee. 0% APR for 9 months on purchases. Good personal credit required.

• Capital One Spark Miles Select for Business: 1.5 miles / $1 on all purchases. 20,000 miles bonus ($200 value) for spending $3,000 in the first 3 months. $0 annual fee. 0% APR for 9 months on purchases. 13.99% - 23.99% (V) regular APR. Good personal credit required.

• Capital One Spark Classic for Business: 1% cash back on all purchases. $0 annual fee. 26.99% (V) regular APR. For business owners with limited personal credit.

Each of the Capital One Spark business cards caters to different needs. But they have a few things in common. None of them charge foreign transaction fees, for example. And all of the Spark business cards let you get employee cards at no extra cost.

The best business credit cards for travel are Capital One® Spark® Miles for Business and Ink Business Preferred® Credit Card. Both cards offer big initial bonuses, high ongoing rewards rates, reasonable fees and unique business perks.

There are several great business credit cards for travel, though, and a lot depends on your unique preferences and needs. Perhaps you’re a light spender who wants a business credit card with travel rewards and no annual fee. Or maybe you’re a big spender who wants the most benefits possible, or someone who needs a card with no foreign transaction fees. Whatever type of business travel rewards card you’re after, you should be able to find a great deal. You can find some popular options below.

Best Business Credit Cards for Travel

• Ink Business Preferred® Credit Card
• Capital One® Spark® Miles for Business
• JetBlue Business Credit Card
• CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
• Capital One® Spark® Miles Select for Business
• The Hilton Honors American Express Business Card

Above all else, make sure you choose a business travel credit card that allows you to earn more benefits than you have to pay in fees. There’s no point in getting a card with a big bonus and a high annual fee if you won’t spend enough to earn the bonus.

No, there is no Chase Sapphire business credit card, but there are other Chase business credit cards that don’t bear the Sapphire name.

It’s also good to note that you can still use the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® card for business purchases. It’s legal to use a personal credit card for business purposes. Just don’t also put personal expenses on the card, as that will make keeping your finances in order much more difficult.

Here are some good alternatives to a Chase Sapphire business credit card:

• Ink Business Preferred® Credit Card: 100,000 points for spending $15,000 in the first 3 months. 3 points per $1 on the first $150,000 spent per year on travel and select business categories, and 1 point per $1 on all other purchases. $95 annual fee. Good credit needed.
• Ink Business Cash® Credit Card: $750 for spending $7,500 in the first 3 months. 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services, 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined, 1% back on all other purchases . $0 annual fee. Good credit needed.
• Ink Business Unlimited® Credit Card: $750 for spending $7,500 in the first 3 months. 1.5% cash back on all purchases. $0 annual fee. Good credit needed.

While there are no Chase Sapphire business cards, there are plenty of good Chase business options to choose from, along with the Sapphire personal cards. One thing to watch out for on the Ink Business cards is that only the Chase Ink Preferred has $0 foreign transaction fees. The other two Ink cards charge 3% of each transaction in U.S. dollars.

Ultimately, you might want to check out our editors’ latest picks for the best business credit cards on the market, to see which one better suits your needs.

The best American Airlines business credit card is the American Airlines AAdvantage® Aviator™ Business Credit Card because it gives 65,000 miles after spending $1,000 in the first 90 days, plus an additional 10,000 miles when a purchase is made on an employee card. This American Airlines business credit card also gives 2 miles per $1 spent with American Airlines and eligible office-supply, telecom and car-rental merchants. It gives 1 mile per $1 on all other purchases, plus a 5% mileage bonus every year.

The only other American Airlines business credit card option is the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. It gives 65,000 miles when you spend $4,000 in the first 4 months, and it has a $0 intro annual fee the first year ($99 after that). Cardholders also earn 2 miles per $1 on purchases with American Airlines, gas stations, telecommunications merchants, cable and satellite providers, and car rental merchants (plus 1 mile per $1 on all other purchases).

Although your American Airlines business credit card options are limited, you could just use a personal American Airlines credit card for business purchases. Or, you could get a top-notch business rewards card, such as Capital One® Spark® Miles for Business, that gives miles on any airline purchase.

2021's American Airlines Business Credit Card Offers

• Best for Initial Bonus: American Airlines AAdvantage® Aviator™ Business Credit Card
• Best for Excellent Credit: CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
• Best Personal American Airlines Card for Biz: American Airlines AAdvantage® Aviator™ Red Credit Card
• Best Business Card for Travel: Capital One® Spark® Miles for Business

The best Delta business credit card is the Delta SkyMiles® Gold Business American Express Card because it has a $0 annual fee the first year ($99 after), and offers a 50,000-mile bonus when you spend $2,000 in the first 3 months. Plus, you’ll earn 2 miles / $1 on all Delta purchases, on eligible U.S. purchases for advertising in select media, on eligible U.S. shipping purchases, on dining at restaurants and 1 mile / $1 on everything else. 

For big-spenders looking to get the most value possible, the Delta Reserve Business card is best because it gives 60,000 bonus miles when you spend $4,000 in the first 3 months. Reserve for Business also gives cardholders Delta Sky Club access. But this Delta business credit card costs $550 per year. 

There’s also a middle option: the Platinum Delta SkyMiles Business card. It boasts a 60,000-mile bonus, plus a $100 statement credit and has an annual fee of $250 per year.

All of the Delta business credit cards have a few benefits in common. They all offer a free checked bag and priority boarding on Delta flights. And they give a 20% statement credit on eligible Delta in-flight purchases. 

Best Delta Business Credit Cards

• Delta SkyMiles® Gold Business American Express Card: Best for Low Annual Fee
• Delta SkyMiles® Reserve Business American Express Card: Best for Sky Club Access
• Delta SkyMiles® Platinum Business American Express Card: Best for Initial Bonus

The best Delta Business credit card for you depends on how much you’re willing to pay in fees and how frequent of a traveler you are. If you’re a big spender and a frequent traveler, you’ll probably like Reserve’s Delta Sky Club access. But if you’re only an occasional flyer, Gold SkyMiles is probably the way to go. Platinum SkyMiles is the perfect in-between. 

The best Barclays business credit card is the JetBlue Business Credit Card because the average small business owner would earn more rewards value with it over two years of use than with the other available options, according to WalletHub calculations. In general, a Barclays business credit card is best for frequent business travelers.

All four Barclays business cards offered in the U.S. are co-branded with a specific airline or hotel. You can choose from American Airlines, Hawaiian Airlines, JetBlue and Wyndham, as of January 2021.

Best Barclays Business Credit Cards

• American Airlines AAdvantage® Aviator™ Business Credit Card
• Hawaiian Airlines® Business Credit Card
• JetBlue Business Credit Card
• Wyndham Business Credit Card

If you want maximum rewards but don’t want to be tied to a single airline or hotel, consider a general-purpose business rewards card from a different credit card company.

The best Shell business credit card is the Shell Fleet Plus card because it has a $0 annual fee and works at 14,000 U.S. Shell and Jiffy Lube locations. Cardholders also get a rebate of up to 6 cents per gallon, depending on how much they spend each billing period.

If you want to use your card at the most places possible, the best Shell business card is the Shell Fleet Navigator card. Not only is it accepted at Shell and Jiffy Lube, but the fact that it’s a Mastercard means 95% of U.S. fueling stations will take it. You can also get rebates of up to 5 cents per gallon. Shell says this card may have “limited fees” but does not disclose them.

There’s also the plain old Shell Small Business card, with no annual fee, monthly fee or setup fee. You can only use it at Shell and Jiffy Lube. And the only rewards it provides are discounts at participating Jiffy Lube locations. But it does offer the ability to carry a balance between months, something that the other two cards do not.

Here are the Shell business credit cards:

• Shell Fleet Plus card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Rebate of up to 6 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires good credit (score of 700+).
• Shell Fleet Navigator card: Limited fees (not disclosed). Works at 95% of U.S. filling stations, wherever Mastercard is accepted, including 14,000 Shell and Jiffy Lube locations. Rebate of up to 5 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires fair credit (score of 640+).
• Shell Small Business card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Discounts at participating Jiffy Lube locations. Can carry a balance between billing cycles. Requires good credit (score of 700+).

All three Shell business credit cards provide a few other types of benefits, too. For example, you can control how much your employees are able to spend on the account, and employee cards don’t cost extra. You’ll also get detailed reports on your gas-related spending, including your mileage, fuel prices, non-fuel purchases at the stations and more.

There are two Amazon business credit cards. The first is the Amazon Business American Express Card, which gives 3% cash back on Amazon and Whole Foods purchases. The other is the Amazon Business Prime American Express Card, which is reserved for Prime members and gives 5% back on Amazon and Whole Foods purchases. Both versions of the card also give 2% cash back at U.S. gas stations, at U.S. restaurants, and on wireless phone service purchased directly from U.S. providers. And there’s 1% back on everything else.

There’s also an ongoing promotion for the Amazon Business credit cards: New cardholders get a $100+ Amazon.com gift card after approval ($125 for Business Prime).

Amazon business credit cards are designed specifically for small business owners. They are true credit cards, not charge cards, which means it’s possible to carry a balance between months. Cardholders can also choose to forgo earning rewards in favor of a 0% interest payment plan for 60 days (non-Prime) or 90 days (Prime) on all Amazon purchases.

The best cash back business credit card is the Capital One® Spark® Cash for Business because it offers unlimited 2% cash back on all purchases. Spark Cash for Business also has a $500 bonus for spending $4,500 in the first 3 months. There is no annual fee the first year ($95 after that), and applicants need good personal credit or better for approval.

Best Cash Back Business Credit Cards

• Capital One® Spark® Cash for Business – Best overall

• Ink Business Unlimited® Credit Card – Best initial bonus 

• Ink Business Cash® Credit Card – Best bonus categories 

• Capital One® Spark® Cash Select for Business – Best for new businesses 

• Capital One® Spark® Classic for Business – Best for limited credit 

It’s also worth mentioning that you shouldn’t forget about cash back credit cards meant for personal use. There are some really great deals right now, especially if you don’t plan to spend enough to qualify for a business card’s initial bonus.

The best fuel card for small business is the U.S. Bank Business Cash Rewards World Elite™ Mastercard® because it offers 3% cash back on fuel purchases at any station. That 3% rate applies up to $200 spent on each fill-up, with amounts above that yielding 1% back. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® card has a $0 annual fee.

Best Fuel Cards for Small Businesses

• Best Overall: U.S. Bank Business Cash Rewards World Elite™ Mastercard®
• Best Fuel Store Card: Shell Small Business Credit Card
• Best Initial Bonus: Ink Business Cash® Credit Card
• Best for Cash Back: Business Advantage Customized Cash Rewards Credit Card
• Best for Costco Members: Costco Anywhere Visa® Business Card by Citi

Some people might assume that the best fuel cards for small businesses are just those partnered with a certain gas station chain. But those cards restrict fuel purchases that earn rewards to affiliated stations. Many general-purpose business credit cards offer gas rewards that are at least as good, while letting you make purchases anywhere.