The best business credit cards with rewards are the Capital One® Spark® Cash for Business and the Ink Business Preferred℠ Credit Card because they offer huge initial rewards bonuses and generous ongoing earning rates while charging reasonable annual fees. The decision between the two depends on whether you want to earn rewards in the form of cash back or points.
The Capital One Spark Cash Card offers a $500 bonus for spending $4,500 in the first three months, plus 2% cash back on all purchases, and waives its $95 annual fee the first year. The Chase Ink Preferred Card offers a bonus of 80,000 points, worth $1,000 in travel booked through Chase, for spending $5,000 in the first three months. It also gives you up to 3 points per $1 spent on purchases. Ink Preferred’s annual fee is $95.
There are plenty of other really attractive business rewards credit cards, too. So it pays to shop around. You can start with the cream of the crop: WalletHub’s best business credit cards with rewards of 2018. And you can see how they compare below.
Here are the best business credit cards with rewards:
| Best For… | Card Name | Initial Bonus | Annual Fee |
| Cash Back | Capital One® Spark® Cash for Business | $500 | $0 for 1st yr, $95 after |
| Points | Ink Business Preferred℠ Credit Card | 80,000 points | $95 |
| No Annual Fee | New! Ink Business Unlimited℠ Credit Card | $500 | $0 |
| Miles | CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® | 70,000 miles | None 1st yr, $99 after* |
| Fair Credit | Capital One® Spark® Classic for Business | N/A | None |
| Bad Credit | Wells Fargo Business Secured Credit Card | N/A | $25 |
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.