Best Business Credit Cards Of March 2023

Business credit cards can offer a range of benefits. These include rewards or cash back, loyalty points, travel protections and expense management. The key to finding the best business card for you is identifying which of those factors matter for your business and determining what you value most: Rewards, cash back or help with building credit.

Business owners know every penny they spend counts. When it comes to making the most of business transactions, using a credit card can be a rewarding strategy.

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.

Delta’s highest-tier premium rewards card is destined for high-flying business owners with the means to leverage the lavish perks. The Delta Sky Club® and annual companion ticket (for eligible flights, taxes and fees apply) alone are worth far more than the annual fee.

Why We Picked It

Earn 3X Miles on eligible purchases made directly with Delta; Earn 1X Miles on all other eligible purchases; After spending Read More

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

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Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23.

For a modest $95 annual fee, the Hilton Honors American Express Business Card delivers remarkable value to Hilton loyalists. The 10 complimentary lounge visits issued each Priority Pass Membership year with this card are worth $299 annually, plus you’ll earn Hilton Honors Gold status.

Why We Picked It

Earn 12X Hilton Honors Bonus Points on eligible purchases at participating hotels and resorts within the Hilton portfolio; Earn 6X Read More

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Best Hotel Business Card for Global Reach The Hilton Honors American Express Business Card

Earn 45,000 bonus points, enough for up to 6 free nights after spending $2,000 on purchases in the first 90 days.

Best in class earnings on gas station purchases mean road warriors will rack up points quickly. With a Wyndham at almost every highway exit you’ll never lack for options to spend your points.

Why We Picked It

Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases. Earn 5 points per $1 spent on Read More

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Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

The United Business Card combines a solid set of benefits, a moderate annual fee and a large welcome bonus.

Why We Picked It

$0 intro annual fee for the first year, then $99

Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, Read More

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Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

A business with significant spending can justify the annual fee and earn massive rewards through the 4x points rate on eligible purchases.

Why We Picked It

Earn 4X points in the 2 select categories where you spend the most each month (4X points applies to the Read More

Click Here To Apply Now

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases within 90 days of your account opening

For business owners who max out the 50k annual spending on the bonus categories, the rewards are substantial for a no-annual-fee card. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The foreign transaction fee means it’s best to keep this card at home when traveling overseas.

Why We Picked It

Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash Read More

On Bank of America Small Business New Account’s Website

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On Bank of America Small Business New Account’s Website

Best Business Card for Bank of America Preferred Rewards Customers Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Earn $750 in rewards after spending $7,500 in eligible purchases within the first 120 days of opening your account.

For those who want to earn bonus rewards where they spend the most, but don’t want the hassle of using different cards for different purchases, the U.S. Bank Business Leverage Visa offers a streamlined choice. You’ll automatically earn 2% in your top two spending categories every month, without any action required on your part. This could be a boon for business owners with varied spending patterns.

Why We Picked It

$0 introductory annual fee for the first 12 months, after that $95 per year

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; Earn 2% back in Read More

Click Here To Apply Now

Best for Varied Expenses U.S. Bank Business Leverage® Visa Signature® Card

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months

Considering there’s no annual fee, the American Express Blue Business Cash™ Card pays off for business owners who spend $50k or less per year. Just don’t use the card overseas, as the foreign transaction fee eclipses the cashback rewards.

Why We Picked It

Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back on Read More

Click Here To Apply Now

Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.

If your business spends heavily on Amazon.com, AWS, or Whole Foods, this card’s 5% back is an unbeatable reward — more so with no annual fee. If short-term cash flow is an issue, you have the option to swap the 5% back for 90-day 0% APR financing on any eligible purchase. There is no 0% intro APR offer, and the standard APR is high, so this card isn’t suitable for long-term financing.

Why We Picked It

Earn 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market Read More

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LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Offers enticing cash rewards for those with significant business-related spending, with an added bonus of 0% introductory APR on purchases for the first 12 months of opening your account.

Why We Picked It

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable Read More

Click Here To Apply Now

Best No Annual Fee Business Card for Category Bonuses Ink Business Cash® Credit Card

Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date

Only for businesses with annual sales over $1 million who require robust employee spending control and reporting. For others, better options are available.

Why We Picked It

Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus Read More

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Frequent business travelers who spend generously within the bonus categories will find extreme value in this card.

Why We Picked It

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and Read More

Click Here To Apply Now

50,000 bonus points after spending $9,000+ in the first 30 days

Why We Picked It

Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like Read More

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Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

The Chase Ink Business Premier is a charge card that offers big spending power for businesses that can pay in full each month, as well as a generous rewards rate on large purchases.

Why We Picked It

5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more, and Read More

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LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.

Why We Picked It

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

Click Here To Apply Now

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months the account is open

Earn 2X miles on United purchases and 1.5X miles on all other purchases

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months the account is open

The card made for business owners who fly heavily on United and live for luxury perks. The $450 annual fee is offset by the complimentary United Club lounge membership (worth $550/year), so the rest of the benefits are essentially free. You’ll earn a nifty 1.5 miles-per-dollar on all purchases (2-1 on United), with no limits or spending categories.

Why We Picked It

Earn 2X miles on United purchases; earn 1.5X miles on all other purchases

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain.

Why We Picked It

Click Here To Apply Now

Best Hotel Card for Businesses World of Hyatt Business Credit Card

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

The Blue Business Plus card is a rare example of a no-annual-fee way to game your rewards earnings. You’ll earn 2X points on all purchases up to $50,000 per year. It’s a perfect fit if your business is small enough to spend less than $50,000 per year. If not, spend up to the $50,000 max, then switch to another card for the rest of the year’s purchases. You’ll win either way.

Why We Picked It

Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter

Click Here To Apply Now

Best Overall, Best Business Flexible Rewards and Best 0% APR Business Card The Blue Business® Plus Credit Card from American Express

LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

Click Here To Apply Now

$0 intro annual fee for the first year, then $99

Best Business Card for Bank of America Preferred Rewards Customers

$0 introductory annual fee for the first 12 months, after that $95 per year

Best No Annual Fee Business Card for Category Bonuses

Best Overall, Best Business Flexible Rewards and Best 0% APR Business Card

Be aware that with nearly all small business cards, just like with a personal credit card, you are personally liable for any debts accrued to the card. In other words, if your business fails, you’re still responsible for any debt left on the card.

Whether it’s a full-fledged endeavor or a side hustle from your corporate job, it’s still possible to get approved for a business credit card. That’s because business cards typically rely on your personal credit score as one of the determining factors for approval. If your FICO score isn’t as good as your business idea, there’s a small handful of secured credit cards for businesses that can help you improve your credit while you build your brand.

Dun and Bradstreet is just one of the credit bureaus that have a business credit score matrix. Most major banks will report to the main credit bureaus including Dun and Bradstreet, but it is always best to check directly with your bank if you have any questions.

Not many business credit cards will approve applications without a personal credit check, but several cards do not require a personal guarantee . Carefully weigh the benefits (or lack thereof) of these cards against other options.

A secured business credit card will likely be among the easiest cards to receive approval for, since lines of credit with secured cards are collateralized. Though these cards do require business owners and operators to secure the line of credit with a deposit, they can offer great ways for businesses to build credit.

Just like having a strong personal credit score can qualify you for better rates on your loans, a good business score can also signal to lenders that you’re qualified for financing on purchases or other loans. For example, if you need to sign a lease on a bigger space for your business, add a new truck to your fleet or make a big purchase of supplies for your business, a potential lender will likely check your business credit score to determine your creditworthiness and what terms to grant you.

When you apply for a business credit card, your approval will be based on your personal credit score. It also means you’ll be personally liable for any debts accrued on the card even if they’re from your business and that business fails. The issuer will also take other factors into consideration, like your business income and credit history.

The main way business credit cards differ from personal credit cards is in their lack of consumer protections like those in the CARD Act . Business credit cards may also report to business credit agencies and offer different rewards and benefits than personal credit cards.

The specific credit score you’ll need for any particular business card or to meet any specific issuer’s requirements will vary and it’s likely you’ll need good or better credit for many of the cards on our list above. Secured business credit cards offer opportunities for businesses and business owners with weaker credit to build credit.

Choosing the best business card for your particular circumstances will be based on a combination of your business spending patterns, your goals in owning a particular business card (such as if you want rewards or a 0% introductory APR offer) and your personal credit history. There’s no one best card that can satisfy everyone’s needs.

Business credit cards allow small business owners, startups and corporate managers alike to track finances separately and gain access to revolving capital. Business credit card applications for small businesses often rely on the owner’s personal credit for approval, but some other options exist. The best business credit cards offer reward earning, welcome bonuses and many perks including travel or purchase protection.

In addition, with the Federal Reserve raising interest rates and credit card APRs following suit, there may be an increase in business owners seeking 0% APR offers to pay down existing debt or pay off a large purchase over a longer period. Buy Now, Pay Later (BNPL) plans have also gained popularity, potentially leading business credit card issuers to sweeten their welcome offers in order to attract new customers. Business owners should carefully consider their options when choosing a new business credit card.

The business travel industry has been severely impacted by the Covid-19 pandemic, and it may not recover fully until at least 2026. As a result, business credit card issuers may focus less on travel rewards and more on everyday expenses.

To make the most of your business card, you’ll want to find a card with benefits and rewards that line up well with your business needs. By using the included perks, and earning rewards on every purchase, you can leverage your card to be an asset for your business.

Is the card a charge card or a credit card? A charge card will need to be paid off monthly while a credit card will allow you to carry a balance with interest. Make sure you know which type of card you are applying for and that it will best fit your needs.

If your business needs to carry a balance, looking for a card with low interest rates, or interest-free promotional periods, can save money. Always remember that APRs are determined based on your creditworthiness, so the lowest interest rate presented in the terms and conditions might not be what you’re granted upon approval.

Many cards will offer not only a welcome bonus, but an intro APR . Consider the amount of time that low interest rate applies and make sure you have a plan to pay off any large purchases before the intro APR expires and the card’s regular interest rate applies.

Some cards have high points per dollar offers, but when it comes to redeeming the points, they fall flat. Be diligent in evaluating each point value and be sure you’re looking past the number of points in favor of what the points will actually get you.

Annual fees often cover membership benefits offered by cards. Prospective cardholders should calculate how much they’ll need to spend in order to accumulate enough rewards or cash back to offset that fee.

With the many different types of credit cards available, picking one for a business can be a lengthy process. Prospective cardholders have multiple factors to take into consideration before landing on a best-pick.

Read More: Things To Know Before Getting a Business Credit Card

Any business that intends to charge purchases should get a business credit card. Keeping personal and business expenses separate is a good rule-of-thumb for accounting purposes. Additionally, getting—and responsibly using—a business credit card helps to build your business credit history which can be useful when applying for future loans or other financing.

Not all information may be required. For instance, an EIN may be an optional provision.

Most issuers offering preapproval or pre-qualification will provide a web-based preapproval application tool. The form this tool provides will ask you for basic financial and credit information about your business and who you are. You may be asked for:

Seeking preapproval for business credit cards can help you determine the likelihood of approval, but it won’t constitute any guarantee. Still, it can be a worthwhile exercise, especially if you’re unsure your credit or business finances will be an adequate indication of your creditworthiness.

Read More: Best Business Credit Cards For Bad Credit

For small business cards, your personal credit score is often considered as part of the application process. If you have bad credit, you’ll need to limit the cards you consider to those that are designed for anyone with poor or limited credit history. Business secured cards are the most accessible option for those who can afford the deposit required to secure the card. Other options include improving your credit score before applying or looking for cards that don’t require a personal guarantee.

Most cards that let you apply online will let you know right away if you are approved. Occasionally the bank may want additional information before giving you a credit line, but if it’s a “yes”, you’ll usually learn when you apply.

Establishing business credit can be difficult, and some cards will require a personal guarantee. This means an individual (usually the one applying for the card on behalf of the company) will be held liable for any balances left unpaid on the card. For individuals who don’t want to be tied to a business account, there are cards available that don’t require a personal guarantee, such as the Brex 30 Card .

Read More: How To Get a Business Credit Card

When you’re ready to get a business card, gather your Employee Identification Number (EIN) or Social Security number (SSN), your income information and apply either online or at a bank branch.

Benefits play into a decision to carry multiple cards, too. If your cash-back card offers extended warranty benefits but no travel protections, you may want a separate business card to use for booking business travel. Benefits may be often overlooked in favor of rewards, but the value of many benefits can easily outpace rewards in the case of many insurances and protections offered by the best business cards.

Different types of cards offer different rewards, so if you want to earn more than one type of reward, you may need more than one type of card. Like consumer cards, some business cards earn airline-specific points while others earn cash back. If you want to earn both with only one card, a nice compromise is a flexible-reward-currency card. The Chase Ink Business Cash , for example, earns Chase Ultimate Rewards. Not only can Chase Ultimate Rewards be redeemed for travel or cash back, they can be transferred to participating hotel and airline partners and transferred to personal Chase accounts for more redemption value with personal credit cards including the Chase Sapphire Reserve .

How many credit cards are right for you or your business is up to you and your specific needs. Carrying multiple business cards may allow you to earn more varied rewards, maximize your cash-back potential, provide a more comprehensive set of benefits and more, but it’s worth realizing ahead of time that managing multiple accounts means more time, more monitoring and paying more bills.

P-cards, or purchase cards, also known as corporate credit cards , are typically only offered to businesses with significant annual expenses—think a quarter million dollars in yearly expenses or more. These cards typically offer many of the same features small business credit cards do but on a much different scale and with much different management. Corporate cards are often managed by large programs designed to cater to corporate expense tracking systems and may have different fee structures, reward structures and perks built in.

Most cards marketed as business credit cards target small businesses. These cards help business owners manage finances while earning rewards and reaping benefits designed for small businesses—intro APR periods, free employee cards, zero liability protections and purchase or travel protections. Many of these cards—including the best business secured cards —are also designed to help businesses build credit or—like the best credit cards for new businesses and startups —manage everyday purchases during business infancy.

The two most common types of business credit cards are either small business cards or corporate cards . The cards on this list are small business cards, which can be applied for without establishing a custom financial arrangement.

Business credit cards operate just like personal credit cards with the exception that the card may have a different rewards structure or offer different protections.

A business credit card is a line of credit issued to a small business or sole proprietorship. Business credit cards allow business owners to keep business and personal expenses separate. By doing so, record keeping is easier—especially at tax time.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. ²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. ³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

To view rates and fees for The Hilton Honors American Express Business Card please visit this page. To view rates and fees for The Blue Business® Plus Credit Card from American Express please visit this page. To view rates and fees for American Express Blue Business Cash™ Card please visit this page . To view rates and fees for American Express® Business Gold Card please visit this page. To view rates and fees for Delta SkyMiles® Reserve Business American Express Card please visit this page.

To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Rates Credit Cards .

Other characteristics taken into consideration while judging each category were accessibility, dollar value of cash back or point rewards, APR, fees and additional benefits or protections offered by the card. Finally, we considered auxiliary features within each category such as elite status or lounge access with travel cards.

We also evaluated each category of card within its lane, meaning comparing hotel cards to hotel cards, cash back cards to cash back cards, and the like.

To create this list, Forbes Advisor analyzed dozens of business credit cards. Our main criteria relates to value: Will any fees you pay for this card be outweighed by the benefits you will receive?

Other Benefits and Drawbacks: The Delta SkyMiles® Reserve Business American Express Card carries a hefty annual fee and offers coveted Centurion Lounge access. Used strategically, the annual domestic ticket companion certificate, which is also good in domestic first class, could offset a large portion of the annual fee. The ability to earn a Medallion Qualification Dollar Waiver (MQD Waiver) with $25,000 of spending on the card (excluding Diamond status) is also a potentially valuable benefit.

Welcome Offer: Earn 100,000 bonus miles after spending $6,000 in purchases in the first 3 months offer ends 3/29/23.

Rewards: Earn 3 miles per dollar on eligible purchases made directly with Delta and 1 mile per dollar on all other eligible purchases. After spending $150,000 in a calendar year, earn 1.5 miles per dollar on eligible purchases the rest of the year.

If you like to travel in style, the Delta SkyMiles® Reserve Business American Express Card (Terms apply. See rates and fees ) might be for you. The card offers both Delta and American Express Centurion club access when flying Delta. It also offers Status Boost®, which allows you to earn 15,000 Medallion Qualifying Miles (MQM) after $30,000 of spending on the card up to four times per year.

You’ll also get 10 complimentary visits to Priority Pass lounges per year once enrolled, which is unusual for a mid-range credit card and can be more than enough to get you into airport lounges if you only travel a few times per year. If you travel more than once per month, however, you may want to consider a travel credit card with a Priority Pass Select membership that includes unlimited visits.

Other Benefits and Drawbacks: This card can be worth it for the welcome offer alone, but don’t forget that you’ll also get automatic Hilton Gold Status. This elite status can afford you benefits like food and beverage credits, room upgrades based on availability and more. Even if you’re just an occasional Hilton guest, this card could make sense.

Welcome Offer: Earn 165,000 Hilton Honors bonus points after spending $5,000 in purchases on the card within the first 3 months of card membership. Offer ends 4/5/23.

Rewards: Earn 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating hotels and resorts within the Hilton portfolio, 6 points per dollar at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping, U.S. restaurants, on flights booked directly with airlines or with American Express Travel, and on car rentals booked directly from select car rental companies and 3 points per dollar on all other eligible purchases.

Wherever you go, you’ll likely find a Hilton portfolio hotel there. The Hilton Honors American Express Business Card (Terms apply. See rates and fees .) is worth exploring for its complimentary Hilton Gold Status as a cardholder, and you can earn a generous welcome bonus and a high rate of rewards on your eligible spending.

Other Benefits and Drawbacks: With 15,000 anniversary points and a 10% discount on go free rewards at Wyndham hotels, you’ll have access to free nights faster than you can say “Super 8”. Since basic hotels start at 7,500 points per night, it takes less than $1,000 in spending on gas or at Wyndham hotels to earn a free night. That’s an unheard-of rate, as long as you’re not looking for luxury. But if self-parking is your idea of roughing it, the Wyndham card might not be for you.

Welcome Offer: Earn 45,000 bonus points, enough for up to 6 free nights after spending $2,000 on purchases in the first 90 days.

Rewards: Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 spent on marketing, advertising and utilities and 1 point per $1 spent on all other purchases.

The Wyndham Rewards Earner® Business Card* has unmatched earnings in categories that cater to those who live in their cars. With an industry-leading bonus on gas station purchases and healthy earnings on Wyndham hotel stays, the card is a no-brainer if you are comfortable in the budget hotels that make up the vast majority of Wyndham’s portfolio and spend a lot of time on the road.

Other Benefits and Drawbacks: The United℠ Business Card offers two United Club one-time passes, one free checked bag for the cardholder and a companion on the same reservation when you use your card to purchase your ticket and a 25% rebate on in-flight purchases. The United Business Card goes a step further by offering a $100 travel credit after seven United purchases of $100 or more are made on the card each anniversary year.

Annual Fee: $0 intro annual fee for the first year, then $99

Welcome Offer: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening.

Rewards: Earn 2 miles per dollar on United purchases, on dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting and 1 mile per dollar on all other purchases.

The United℠ Business Card has benefits when flying United that outweigh its annual fee and some significant additional perks including a $100 flight credit with qualifying purchases.

Additionally, American Express has one of the most robust benefits programs out there with protections including purchase protection² and extended warranty coverage². Cardholders have the ability to pay balances over time with interest.

Other Benefits and Drawbacks : A notable travel perk the Amex Business Gold has is a rebate of 25% of the points you use when you book eligible flights with American Express Travel back, up to a maximum of 250,000 points back per calendar year. American Express also grants users travel and transportation protections, such as secondary car rental insurance¹, baggage insurance², emergency assistance³ and no foreign transaction fees.

Welcome Offer : Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first 3 months of opening an account.

Rewards : Earn 4 Membership Rewards® points per dollar on the 2 select categories where a business spends the most each month. 1 point per dollar is earned for other purchases. The 4 point per dollar earning rate applies to the first $150,000 in combined purchases from the 2 eligible categories each calendar year.

The American Express® Business Gold Card (Terms apply. See rates and fees .) is a solid option for business owners who want to maximize their earnings but don’t want to put a lot of thought into how to do so. American Express automatically rewards you each billing cycle at a generous rate on the two categories you spend on from a selected list. Many cards offer quarterly or rotating bonus categories, but the American Express® Business Gold Card does the work for you.

Other Benefits and Drawbacks: The card offers solid earnings for most business owners, but becomes best-in-class for those who qualify for the top tier of the Preferred Rewards program. Depending on the total amount a Preferred Rewards Member has in their qualifying accounts, they can earn up to 75% more rewards for each dollar they spend on their Bank of America rewards cards.

Welcome Offer: Earn a $300 statement credit online bonus after making at least $3,000 in net purchases within 90 days of account opening.

Rewards: Earn 3% cash back in the category of choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. Earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year and 1% thereafter.

We haven’t highlighted this bank in many of our reviews, but the Bank of America’s Preferred Rewards program gives the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card a leg up if you live in their ecosystem. With no annual fee and elevated earnings in your choice out of six categories, the card earns elevated cash back for up to $50,000 in combined eligible category spending per year.

Other Benefits and Drawbacks: There’s no need to opt-in to bonus categories or track where you’re spending the most since the card will automatically adjust to how you spend. If your business uses U.S. Bank to process credit card payments from your customers you can earn additional points from those transactions. However, if you consistently spend a lot in more than just two categories, you’ll likely fare better with a flat-rate rewards card.

Annual Fee: $0 introductory annual fee for the first 12 months, after that $95 per year

Welcome Offer: Earn $750 in rewards after spending $7,500 in eligible purchases within the first 120 days of opening your account.

Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 2% back in the top two categories each month and 1% back per dollar on all other eligible purchases.

If your business expenses vary from month to month, look to a card like the U.S. Bank Business Leverage® Visa Signature® Card , which offers elevated rewards in your top two spending categories, from a whopping 48 choices, meaning many types of expenses will qualify. With no effort on your part, you’ll earn more back on what you spend each month.

Other Benefits and Drawbacks: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard®* offers a 0% introductory APR on purchases and balance transfers for 15 billing cycles, followed by a regular variable APR of 18.49% – 27.49%. A 3% balance transfer fee with a $5 minimum applies, adding to more possible savings. With free employee cards and an annual software credit, this card could be worth holding onto even after the APR period expires.

Welcome Offer: Earn $500 in cash back after spending $4,500 in the first 150 days of opening an account.

Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants and 1% cash back on all other eligible net purchases.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard®* is one of few business cards offering a balance transfer promotional rate. Making the card even more appealing are cash-back rewards and welcome offer opportunities.

Other Benefits and Drawbacks: A business that routinely spends more than $50,000 in a year would fare better with a card that doesn’t cap earnings rates. If you want a similar card but with more flexible rewards than cash, consider the The Blue Business® Plus Credit Card from American Express which is this card’s Membership Rewards-earning sibling.

Welcome Offer: Earn a $250 statement credit after making $3,000 in purchases within the first 3 months of account opening.

Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

The American Express Blue Business Cash™ Card (Terms apply, see rates and fees ) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card if you want to earn without worrying about categories and you typically spend $50,000 or less a year.

Other Benefits and Drawbacks: An Amazon Business Prime membership is needed to apply for this card. Prices for a Business Prime membership start at $69 a year for one user and up to $10,099 a year for an enterprise membership. Be sure to do the math to make sure the Prime membership works for you.

Welcome Offer: Earn an Amazon.com gift card upon approval for the Amazon Business Prime American Express Card.

Rewards: Earn 5% back in rewards or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. The 5% reward rate applies to the first $120,000 in purchases each calendar year. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.

The Amazon Business Prime American Express Card* offers the unusual ability to either earn increased rewards or enjoy an extended repayment period of up to 90 days on select Amazon purchases up to $120,000 per year. You can change your preference as often as you wish in order to maximize your rewards and/or interest savings.

If you’re just looking for one card, the Ink Business Cash Card could still be a good option if you regularly spend in the bonus categories but don’t think you’ll exceed the annual cap. If that doesn’t sound like you, look to another option.

Other Benefits and Drawbacks: The higher rewards rates have an annual limit which may not be ideal for some businesses. While the card is marketed as a cash-back card, it actually earns Ultimate Rewards. Ultimate Rewards can be combined with the personal cards Chase Sapphire Preferred® Card or Chase Sapphire Reserve® points in order to utilize airline partner transfers where they can be worth more than one cent each.

Welcome Offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.

Rewards: 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 and 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.

If you want a no-annual-fee card that allows you to earn valuable rewards, Ink Business Cash® Credit Card is a good option. This card is marketed as a cash-back card, but can be paired with a premium Chase Ultimate Rewards-earning card to unlock more value. The card also offers protections that you don’t often see on a no-annual-fee card, including primary car rental insurance for your business and purchase protection.

There’s one major catch to the card: it’s intended for businesses with annual sales of $1 million or more, so it won’t be a good fit for some companies.

Other Benefits and Drawbacks: The Wells Fargo Business Elite Signature Card* charges an annual fee of $125 annual fee (waived first year). The rewards and interest rate savings a cardholder can gain might be well worth it. An annual $100 credit toward travel incidentals nearly covers the cost of membership fees alone.

Welcome Offer: Earn a $1,000 one-time cash back bonus or 100,000 bonus points after spending $25,000 in the first three months of account open date.

Rewards: Earn 1.5% cash back per dollar spent or earn 1 point per dollar spent and receive 5,000 bonus points when the company spend is $10,000 or more in any monthly billing period.

The Wells Fargo Business Elite Signature Card* was created with big spenders in mind and can provide up to 200 employee cards with each account. Best of all, the 11.74% variable APR on purchases is worthy of a second look if you need to carry a balance past an introductory period.

This card also offers cell phone insurance limited to three claims of up to $1,000 each per year, subject to a $100 deductible. This card also offers trip cancellation and interruption insurance, primary auto rental insurance when you rent for business purposes (secondary if you’re renting for personal reasons), purchase protection and extended warranty coverage.

Ultimate Rewards from the Chase Ink Preferred can be combined with personal Ultimate Rewards points to help grow balances quickly.

Other Benefits and Drawbacks: The “select business categories” include shipping, internet, cable and phone, social media and search engine advertising and travel. If your business does a lot of online advertising, this card will rake in the rewards.

Welcome Offer: Earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.

Rewards: Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per dollar on all other purchases.

The Ink Business Preferred® Credit Card offers the ability to earn valuable Chase Ultimate Rewards points at compelling rates and an impressive bonus offer, making it a top pick for business travel. Ultimate Rewards are valuable because they are so flexible. You can redeem directly for travel at 1.25 cents per point through Chase or transfer to over a dozen loyalty programs including United, Southwest and Hyatt.

Other Benefits and Drawbacks: The Brex 30 Card does not require a personal guarantee, security deposit or credit check to apply if you have significant enough assets and fit their company profile criteria. Just remember that it’s a pay-in-full card rather than a credit card, meaning that the balance is due in full and on time each billing cycle or daily, depending on which option you choose.

Welcome Offer: Earn 30,000 points after spending $3,500, or 50,000 points after spending $9,000 within 30 days.

Rewards: Earn 7 points per dollar on rideshare, 4 points per dollar on travel booked through Brex Travel, 3 points per dollar on restaurants, 2 points per dollar on recurring software and 1 point per dollar on everything else.

One of the rare business cards that doesn’t require a personal guarantee, the Brex 30 Card is an option if you have significant assets. You’ll need to meet their size and revenue criteria in order to be eligible.

Other Benefits and Drawbacks: The card offers bountiful flat-rate rewards, especially for big spenders. But those who want to maximize their redemption values by combining the earnings on this card with another premium Chase Ultimate Rewards card are out of luck. You cannot combine rewards from this card with another.

Welcome Offer: Earn $1,000 cash back after spending $10,000 on purchases in the first 3 months from account opening.

Rewards: Earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other purchases.

Those who routinely make purchases of $5,000 or more may find the rewards potential on the Ink Business Premier hard to beat. You’ll also earn big rewards for travel booked through the Chase Ultimate Rewards travel center.

If you’re after the highest rate of cash back alone, it’s possible that another card would provide more value.

Other Benefits and Drawbacks: The “set it and forget it” rewards from the Chase Ink Unlimited couldn’t be easier to earn, making this a solid choice if you only want one business card. That said, to unlock the full potential of this card, you’ll need to pair it with another Ultimate Rewards-earning card like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve®.

Welcome Offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.

The Chase Ink Business Unlimited® Credit Card is marketed as a cash-back card and offers a relatively high rate of cash back. When paired with a premium Chase Ultimate Rewards® card, rewards are treated as transferable Ultimate Rewards points which makes this card even more valuable. The Ink Business Unlimited tops the Ink Preferred if you want a straightforward earnings rate rather than bonus categories as long as you pair it with a card that has transferrable rewards.

This card also comes with a suite of travel and purchase protections including trip cancellation and interruption insurance, trip delay coverage, lost and damaged baggage insurance, delayed baggage coverage, rental car insurance coverage, purchase protection, return protection and extended warranty.

Other Benefits and Drawbacks: The United Club℠ Business card* has pumped-up benefits, but charges a steep annual fee. Besides United Club membership, the Business Club card offers Premier Access at the airport, space-available upgrades on award tickets, your free first and second checked bags, 25% off in-flight purchases when you pay with your card and Avis President’s Club membership with enrollment.

Welcome Offer: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months the account is open.

Rewards: Earn 2 miles per dollar spent on United purchases and 1.5 miles per dollar spent on all other purchases.

The United Club℠ Business card* is a sibling to the personal United Club℠ Infinite Card , with a slightly different earning structure. The lounge access plus other United perks easily outweigh the annual fee if you normally pay for a United Club membership anyway. If your business is not near a United hub, this card may not be for you.

The downside of Hyatt is its lack of reach into many smaller markets and large sections of the globe. There are many places where a Hyatt portfolio hotel is nowhere to be found.

Other Benefits and Drawbacks: The World of Hyatt Business Credit Card makes it easy to earn rewards that can be used for hotel stays in this program. The card offers a $100 rebate (redeemable as $50 statement credits, twice a year) on Hyatt purchases and an incentive for spending $50,000 annually on the card: 10% of redeemed points back for the remainder of the year on up to 200,000 points redeemed.

Welcome Offer: Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Rewards: Earn 4 points per dollar at Hyatt hotels, 2 points per dollar spent in a cardholder’s top three spend categories each quarter through 12/31/23, then the top two categories each quarter, 2 points per dollar spent on fitness club and gym memberships and 1 point per dollar spent on all other purchases.

The World of Hyatt Business Credit Card earns top marks on our business hotel card rankings due to its combination of valuable perks and attractive earnings rates. This card makes it easy to earn rewards faster on paid Hyatt stays and on everything else you buy.

We do like the fact you can earn extra Membership Rewards points per dollar on everyday business purchases such as office supplies or client dinners. If you want a similar card but prefer cash back to points, consider the American Express Blue Business Cash™ Card (Terms apply). However, if your business regularly spends more than $50,000 per year, a card without a cap may be a better choice.

Other Benefits and Drawbacks : This card offers a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate of 17.74% – 25.74%. Balance transfers must be completed within 60 days of account opening and a fee of $5 or 3%, whichever is greater applies. This can be enticing if you want to save money on interest with a lower APR, but carrying a balance isn’t going to be a good idea in the long run when the introductory period is over.

Welcome Offer : Earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases on the card within the first 3 months of card membership.

Rewards : Earn 2 Membership Rewards points per dollar on everyday business purchases such as office supplies or client dinners up to the first $50,000 in purchases per year, then 1 point per dollar on all other purchases.

The Blue Business® Plus Credit Card from American Express (Terms apply. See rates and fees .) is somewhat unique because you can earn Membership Rewards points without paying an annual fee. The card also has an introductory APR offer, which can help a new business acquire inventory or pay upfront expenses but gain some additional time to pay in full without accruing interest.

The Blue Business® Plus Credit Card from American Express

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners

Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. She’s been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. Follow her on Twitter at @robinsaks.

Dia Adams is a noted family travel expert and a real-life Mom of two teens in the DC Metro area. She has visited over 45 countries and lived in Thailand, China, and Ireland (where her son was born). Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon.

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