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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 June 2022
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U.S. Bank Business Leverage® Visa Signature® Card U.S. Bank Business Leverage® Visa Signature® Card
- Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Terms and conditions apply
- High rewards rate
- $750 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
- U.S. Bank Business Leverage® Visa Signature® Card
- No annual fee for the first year and $95 thereafter. No annual fees for employee cards.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- Terms and conditions apply
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 14.74% - 23.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Capital One Spark Miles for Business Capital One Spark Miles for Business

- 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
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- 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
- $0 intro annual fee for the first year; $95 after that
- See More Details & Reviews About TheCapital One Spark Miles for Business
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express

- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- Terms Apply
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Capital One Spark Cash Select - 0% Intro APR for 12 Months Capital One Spark Cash Select - 0% Intro APR for 12 Months

- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No rewards bonus
- No intro APR on balance transfers
- Requires good/excellent credit
- 0% Intro APR for the first 12 months; 16.24% - 24.24% variable APR after that
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
Ink Business Cash® Credit Card Ink Business Cash® Credit Card

- Earn $750 bonus cash back after you spend $7,500 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 internet, cable and phone 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 purchases
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 13.49% - 19.49% (V) regular APR
- 3% foreign transaction fee
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Cash® Credit Card
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card

- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, 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 American Express and other factors.
- Terms Apply
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $250 initial rewards bonus
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card

- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 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
- No Annual Fee
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Unlimited® Credit Card
Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Select - $500 Cash Bonus

- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- 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
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - $500 Cash Bonus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- 0% intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.49% to 22.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best Business Rewards Credit Cards of 2022

Ink Business Cash® Credit Card
The best business rewards credit card is the Ink Business Cash® Credit Card because it has an $750 initial bonus for new cardholders who spend $7,500 in the first 3 months and gives 1 - 5% cash back on purchases. The Ink Cash card also has a $0 annual fee, and applicants with good or excellent credit are eligible for approval.
Ink Business Preferred® Credit Card
The best business credit card for bonus rewards is the Ink Business Preferred® Credit Card because it 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 on purchases normally. The annual fee of $95 is a bargain as a result.
Capital One Spark Miles for Business
One of the best business credit cards for travel rewards is the Capital One Spark Miles for Business because it 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.
Capital One Spark Classic for Business
The best business rewards credit card for fair credit is the Capital One Spark Classic for Business because it gives unlimited 1% cash back on all purchases and has an annual fee of $0. Cards for employee authorized users get the same deal, too.
Wyndham Business Credit Card
One of the best business credit cards for hotel rewards is the Wyndham Business Credit Card. This card offers 1 - 8 points per $1 on purchases, plus an initial bonus of 65,000 points after spending $1,000 in the first 90 days, plus 10,000 points after a purchase is made on an employee card within the first 30 days . There is an annual fee of $95.
JetBlue Business Credit Card
The best business rewards credit card for airfare is the JetBlue Business Credit Card because it gives 1 - 6 points per $1 on purchases, in addition to an initial bonus of 80,000 points, plus a $99 statement credit for spending $2,000 in the first 90 days. Cardholders also enjoy free checked bags and in-flight bonus rewards. There is an annual fee of $99.
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 Classic for Business | Fair Credit | $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.
Methodology for Selecting 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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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
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Featured Credit Cards
Ask the Experts
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?
Associate Professor, Indiana University Northwest
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Assistant Professor of Management, Minnesota State University, College of Business
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Ph.D., Assistant Professor, Entrepreneurship & Management, Hillsborough Community College
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Assistant Professor of Management, Texas A&M University San Antonio, College of Business
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Ph.D., Emeritus Guthrie Distinguished Professor of Banking and Financial Services, College of Business, University of Wyoming
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Ed.D., M.B.A., C.P.A., Associate Professor of Accounting, Director, Brooklyn Accounting Program, Daemen College
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