Business Credit Cards with Rewards
There are many different types of business credit cards with rewards. Some offer cash back, others miles or points. Some give you bonus rewards in certain spending categories, while others have a consistent earning rate for all purchases. Some offer initial bonuses. Some don’t. So to find the best card for your company’s needs, you must first identify your business’s biggest expenses.
With that being said, points, miles and cash back aren’t the only perks that business rewards credit cards provide. They also help small business owners track company expenses, manage employee spending privileges, and earn rewards on everything employees purchase. So it’s definitely a good idea to get one for everyday business expenses. You can check out the following offers (some of which are from WalletHub partners) to find the right fit for your company.
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Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months See details for transfer fee
Regular APR
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14.24% - 20.24% (V)
Rewards Details
- Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Additional Info
- Named "A Great Card for Small Businesses" - Kiplinger's Personal Finance, September 2016.
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash℠ Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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13.99% - 21.99% (V)
Rewards Details
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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13.99% - 21.99% (V)
Rewards Details
- Earn 1.5 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.99% (V)
Annual Fee
$0 for 1st yr, $59 after
Rewards Rate
2% Cash Back
Minimum Credit
Good
Rewards Details
- Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Use Spark Cash across all your business spend, with no categories to limit your purchasing
- $0 intro annual fee for the first year; $59 after that
- See More Details & Reviews About TheCapital One® Spark® Cash for Business
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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23.99% (V)
Rewards Details
- Earn 1% cash back on every purchase, every day
Additional Info
- Enjoy no annual fee
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
- See More Details & Reviews About TheCapital One® Spark® Classic for Business
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months 3% (min $5) Transfer Fee
Regular APR
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12.24% - 20.24% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- More buying power for your business* means more opportunities to earn points. That’s everyday business with the new Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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Not Applicable for Charge Cards
Annual Fee
None 1st yr, $175 after
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
- Get 3x points - Choose 1 out of 5 categories
- Plus, 2X points on the 4 remaining categories and 1X points on other purchases
- 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
- Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
- Terms and limitations apply
Additional Info
- No foreign transaction fees
- $0 introductory annual fee for the first year, then $175
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card.
- See More Details & Reviews About The Business Gold Rewards Card from American Express OPEN
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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13.24% - 20.24% (V)
Rewards Details
- Special Offer: Earn up to $400 cash back
- Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
- Plus, earn 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.
- No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
- 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
- 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
- Terms and limitations apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.99% - 21.99% (V)
Rewards Details
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
- Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
- Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
Additional Info
- No foreign transaction fees
- Employee cards at no additional cost
- $95 Annual Fee
- See More Details & Reviews About TheInk Business Preferred℠ Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.99% (V)
Annual Fee
$0 for 1st yr, $59 after
Rewards Rate
2 miles / $1
Minimum Credit
Good
Rewards Details
- Earn 2 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Redeem miles for travel, cash back, gift cards and more
Additional Info
- $0 intro annual fee for the first year; $59 after that
- No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
- See More Details & Reviews About TheCapital One® Spark® Miles for Business
Community Discussion
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