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Here’s something that may come as a surprise—the best small business credit cards for travel in 2021 don’t necessarily require travel to get value from the card. In fact, many cards earn points/miles on common business purchases including cell phone and internet services, restaurants (including takeout and delivery), and office supplies. There are no annual fee options, exclusive partnerships to take advantage of (including free software), airline and hotel options, flexible ways to redeem, and more.

On top of that, you can help build up your business credit score if you are aiming for a higher quality card to use on future travel when the time is right.

Additionally, several banks have enhanced bonuses on their cards. For instance, the Ink Business Preferred® Credit Card comes with the ability to earn 100,000 points after you spend $15,000 in the first 3 months from account opening. Here are some of the other perks that you might look forward to.

I’ve used some of the best small business credit cards for travel rewards 2021 to earn valuable travel rewards and get access to lounges like this United Club Terrace at LAX. Photo by United

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Best Small Business Credit Cards for Travel in 2021

In this article, we’re comparing some of the most popular credit cards for businesses on the market. We’ll look at options for new businesses, self-proprietor businesses, businesses working with average credit, businesses looking to finance upcoming purchases, and businesses wanting to earn rewards on their regular spending.

So whether you’re renting an RV and working while traveling on the road, working from home, starting to travel again, or just want to earn some miles and points now to have for the future, there is likely an option for you below.

Here are the best business credit cards in 2021

 

Credit CardAnnual FeeRecommended Credit ScoreMore Information
Ink Business Preferred® Credit Card$95700+More info
The Business Platinum Card® from American Express$595 ($695 if the application is received on or after 1/13/2022) (See Rates & Fees)740More info
Ink Business Cash® Credit CardNone!700+More info
American Express Blue Business Cash™ CardNone! (See Rates & Fees)700+More info
Capital One Spark Cash for Business$0 intro annual fee (then $95/year)630+

 

Best Sign Up Bonus: Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred® Credit Card is widely hailed as one of the top overall business credit cards for travel and the best Chase business credit card. Its sign-up bonus and rewards structure offers great value, but it also carries some handy perks, protections, and redemption options.

To start, here’s what you stand to earn (and spend) with the card:

  • $95 annual fee
  • Earn 100,000 points after you spend $15,000 in the first 3 months from account opening
  • 3x points on travel; shipping purchases; internet, cable, and phone services; advertising purchases made with social media sites and search engines (for the first $150,000 spent in combined purchases each anniversary year)
  • 1x points on all other purchases

That Ink Preferred’s sign-up bonus can be worth as much as $1,250 if you redeem your points for travel through Chase Ultimate Rewards®. Otherwise, you’ll have the option to transfer your points to one of Chase’s airline or hotel transfer partners, or to another Chase account held by you, your spouse, or your domestic partner.

If your spending regularly falls within this card’s bonus spending categories, those high rewards and flexibility might be enough to justify the card’s annual fee. Beyond that, you’ll be able to take advantage of the Ink Business Preferred’s perks and protections, including cell phone protection, Trip Cancellation/Trip Interruption Insurance, Travel and Emergency Assistance Services, and more.

Cardholders can redeem points for cash back, gift cards, travel, and more (points are worth 25% more when redeemed for travel through Chase Ultimate Rewards). Points don’t expire as long as the account is open.

All of these perks make it one of the best rewards credit cards in 2021. Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account. 

The Ink Preferred is a great compliment to the personal Chase Sapphire Preferred® Card. And yes, you can have both the Chase Sapphire Preferred and Ink Business Preferred.

Here’s how hard it is to get the Ink Business Preferred.

Chase Ink Business Cash Credit Card: No Annual Fee

The Ink Business Cash® Credit Card doesn’t offer all of the perks and protections of the Ink Business Preferred Credit Card, but it’s a solid choice for small businesses that spend less than $50,000 in the card’s bonus spending categories.

The Ink Business Cash carries no annual fee and offers the ability to earn a $750 sign-up bonus when you spend $7,500 in the first 3 months. For businesses with relatively low expenditures, that’s already a nice offer. Outside of that sign-up bonus, here’s what you can earn:

  • 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each anniversary year)
  • 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each anniversary year)
  • 1% cash back on all other purchases

The Ink Business Cash Credit Card does tag on some nice perks and protections, though not nearly as many as the Business Preferred. Still, this card can be a great deal if your business needs to finance upcoming purchases.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

However, if you spend more than $50,000 annually in its bonus categories, you might be better off with the Business Preferred. Still, this is one of the best business cards for office supplies and other business purchases.

The Business Platinum Card from American Express – 120,000 Welcome Bonus

New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.

This card does have an annual fee of $595 ($695 if the application is received on or after 1/13/2022; See Rates & Fees).

Now can be one of the best times to consider the Amex Business Platinum Card thanks to the welcome bonus, the perks, and the awesome travel rewards.

Benefits include 5x points on flights and prepaid hotels booked on amextravel.com. Additionally, cardholders earn 1.5x Membership Rewards® points for each eligible purchase of $5,000 or more. They also earn 1.5x Membership Rewards® points on eligible U.S. purchases in the following select business categories (up to $2 million per calendar year):

  • Construction material and hardware suppliers
  • Electronic goods retailers and software & cloud system providers
  • Shipping providers

Additionally, unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe, and up to $120 on wireless telephone purchases. Enrollment required.

Plus, get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. Other airport benefits include a $179 annual CLEAR® credit when you use your Card to enroll in CLEAR® membership and access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®.

This is one of the best business credit cards for airline miles.

If you use your points to book a flight, you’ll get 35% of your points back, up to 500,000 points.

Fee credit for Global Entry or TSA PreCheck is also included,

The Amex Platinum business card isn’t hard to get, considering it comes with plenty of benefits.

Bonus Alternative: American Express Business Gold Card

The American Express® Business Gold Card may be a better-suited card if you still want to be in the American Express family but aren’t sure about the Business Platinum Card. Cardholders can earn 4x Membership Rewards per $1 on the 2 categories which your business spent the most each billing cycle*:

  • Airfare purchased directly from airlines
  • Advertising in select media (online, TV, and radio) – U.S. purchases only
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • Gas stations – U.S. purchases only
  • Restaurants – U.S. purchases only
  • U.S. purchases for shipping

The 4x points apply to your first $150,000 in combined annual spending. Except for airfare purchases, you can only earn bonus points on the other 5 categories if the purchases happen in the U.S. All annual spending above $150,000 for the bonus categories and all non-bonus spending earns an unlimited 1 point per $1.

As this is a travel rewards card, one of your two bonus categories might be travel. The second category can be one of your larger business travel or daily operation expense.

American Express Business Gold cardholders also have access to a Pay Over Time Option that lets cardholders decide whether they want to pay for their eligible purchases in full each month or pay over time with interest (terms apply).

Cardholders can also get 25% points back after using points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

*Terms apply.

The annual fee is $295 starting with your first monthly statement. But, you won’t pay any foreign transaction fees (See Rates & Fees).

Compare the Amex Business Gold vs Amex Business Platinum for more details.

Capital One Spark Cash for Business

The information for the Capital One Spark Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

  • Unlimited 2% cash back on all purchases
  • $0 intro annual fee (then $95/year)

The Capital One Spark Cash for Business is also largely similar to the Capital One Venture Rewards Credit Card, with 2% cash back and no annual fee for the first year (followed by a $95/year fee). However, instead of travel perks, it comes with business perks like free employee cards (which also earn 2% back) and an itemized business expense breakdown at the end of the year.

These perks also make Spark Cash one of the best business credit cards for shipping purchases.

Finally, like the consumer Capital One Venture Rewards Credit Card, there’s no redemption minimum for the Capital One Spark Cash for Business. You might be able to earn higher rewards with higher-end business cards from Chase and AMEX, but Capital One knows where it excels: simple, straightforward, valuable rewards cards.

New cardholders can earn a $500 cash bonus after spending $4,500 on purchases within 3 months from account opening.

If you are interested in a premium Capital One consumer card, be sure to check out the new Capital One Venture X Rewards Credit Card.

American Express Blue Business Cash Card: Easy Use, No Annual Fee

If you prefer earning cash back, the American Express Blue Business Cash™ Card earns 2% cash back on all eligible purchases, up to $50,000 per calendar year. After that, you’ll earn 1% cash back. All of the cash back you earn is credited to your statement automatically.

It also comes with Expanded Buying Power which gives cardholders the ability to spend beyond their credit limit. This means you can purchase those high-price items while still earning rewards.

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.

The American Express Blue Business Cash Card might be a better option if you want simplicity. You don’t have to worry about activating categories or trying to figure out what rewards your purchases earn. Since there is no annual fee no annual fees (See Rates & Fees), this makes this card an easy addition to your wallet, even if you only use it for the 2% cash back.

New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.

Bonus Work While Traveling Business Promotions

Several banks and hotels have issued promotions to help encourage and support people who are looking for a change of scenery while they work from home. Also, depending on the card you have, you might get access to elite status, which offers more perks in itself.

Airlines have also added new offers (for instance, check out the best American Airlines business cards if you’re loyal to AA), but since they are specific to the airline, they don’t come with as much flexibility as the options above. Still, you may want to check out some of the best business credit cards for airline miles if you are looking for co-brand airline cards.

Marriott

For instance, Marriott’s Work Anywhere package allows travelers to book hotel rooms for the day, for a night with late checkout the following day, or for an extended stay with access to semi-private workspaces and meeting rooms.

Cardholders can also enjoy complimentary Marriott Bonvoy Silver Elite status. They can earn Gold Elite status after making $35,000 in eligible purchases on their card in a calendar year.

New Marriott Bonvoy Business™ American Express® Card cardholders can earn 75,000 bonus Marriott Bonvoy points after using their new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.

Other card benefits for Marriott stays include:

  • 6x points at hotels participating in the Marriott Bonvoy™ program
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
  • 2x points on all other eligible purchases
  • Premium on-property internet access
  • 1 free night award each card anniversary (participating properties at 35,000 points or less)

Marriott Bonvoy Business American Express Card cardholders can receive 1 Free Night Award annually after their Card account anniversary. Plus, they can earn an additional Free Night Award after spending $60K in purchases on their Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.

The annual fee for this card is $125 (See Rates & Fees).

What is the Best Credit Card for Business Expenses?

Deciding on a new credit card for your business always comes down to multiple factors. Luckily, each of these cards caters to unique needs.

The Ink Business Preferred Credit Card caters to businesses that fully pay their statement each month and want to earn valuable rewards. However, the Preferred is also geared toward specific spending habits and needs. If the Preferred’s spending categories don’t align with your needs, you might have more luck with the American Express Blue Business Cash Card.

On the other hand, you might not be concerned with earning rewards. If building credit or financing purchases is your priority, you might want to go in a different direction. The Ink Business Cash Credit Card is specifically geared toward businesses that need to finance upcoming purchases.

You might want to compare the no annual fee Chase Ink Cash vs Amex Blue Business Cash Cards to see which might work best for your business.

You can chill by the poolside while working at one of the many Marriott hotel locations. Some of the best business credit cards for travel earn more rewards for hotel stays. Credit: Marriott

Additional Business Credit Cards To Consider

There are several other business credit cards that can be the best for your business, depending on your business needs and spending. The following cards have no annual fees, are co-branded with an airline or hotel, or have the flexibility that can be most beneficial.

Alternative Flexible Options

Here are some business options that might work well for your business and help you earn more rewards.

Costco Anywhere Visa Business Card by Citi

If you are a frequent Costco shopper, the Costco Anywhere Visa® Business Card by Citi earns:

  • 4% cash back on eligible gas for the first $7,000 annually (then 1% thereafter)
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on purchases from Costco and Costco.com
  • 1% cash back on all other purchases

There is no annual fee with your paid Costco membership. There are also no foreign transaction fees.

Cardholders will receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. This is one of the best Citi credit cards.

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a no annual fee card that earns triple cash back on select purchases (See Rates & Fees). Cardholders can earn 3% cash back on select eligible purchases in the following categories:

  • Gas stations
  • Office supply stores
  • Cell phone service providers
  • Restaurants

Cardholders earn 1% cash back on all other eligible net purchases.

There is also an annual $100 statement credit for recurring software subscription expenses.

New U.S. Bank Business Triple Cash Rewards World Elite Mastercard cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.

Airline Options

Here are several airline options to consider if you are loyal to one airline. You may earn more rewards, get perks like priority boarding, and enjoy access to things like lounge access. These are some of the best credit cards for purchasing flights.

CitiBusiness / AAdvantage Platinum Select Mastercard

The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® comes with preferred boarding, 25% savings on in-flight American Airlines Wi-Fi, and the first checked bag free. Cardholders also can earn:

  • Earn 2x AAdvantage miles on American Airlines purchases
  • Earn 2x AAdvantage miles for telecom merchants, cable and satellite providers, car rental merchants, and at gas stations
  • $99 companion certificate (plus $21.60 to $43.20 in government taxes and fees, based on itinerary) after spending $30,000 in annual card purchases and card membership is renewed

The annual fee is $0 for the first 12 months, then $99. There are no foreign transaction fees. The card benefits can easily be worth it if you fly American Airlines for business. This is one of the best Citi credit cards for Amerian Airlines fliers.

Southwest Rapid Rewards Performance Business Credit Card

New the Southwest® Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening. Earning the bonus gets cardholders closer to the Southwest Companion Pass®

The Southwest® Rapid Rewards® Performance Business Credit Card earns:

  • 4x points on Southwest® purchases
  • 3x points on Rapid Rewards® hotel and car partners
  • 2x points on rideshares
  • 2x points on social media and search engine advertising, internet, cable, and phone services
  • 1x points on all other purchases

Cardholders also get unlimited tier qualifying points (TQPs) that can be earned toward A-List status. There is also a $500 annual fee credit for Rapid Rewards points transfers.

It also comes with 4 upgraded boardings per year (when available) and Global Entry or TSA PreCheck fee credit. Cardholders get inflight WiFi credits.

The annual fee is $199.

This is one of the best Southwest credit cards.

United Business Card

The United℠ Business Card can be a good addition for business owners and employees who fly United often.

Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting.

The United Business Card also comes with free checked bags, 25% back on United in-flight purchases, priority boarding, and more.

New United Business Card cardholders can earn 75,000 miles after spending $5,000 on purchases in the first 3 months the account is open. There is a $0 introductory annual fee for the first year, then $99.

Alaska Airlines Visa Business Card

The information for the Alaska Airlines Visa® Business Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Alaska Airlines Visa® Business Card can work if you’ve got an Alaska Airlines hub near and tend to fly the airline frequently. Alaska Airlines is also part of the oneworld® Alliance that reaches over 1,000 destinations worldwide. Cardholders can enjoy free checked bags for you and up to 6 guests on the same reservation. So, if you’re flying with employees, you can easily save some money on checked bags.

Cardholders earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.

Cardholders also enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases when you pay with your card. There are no blackout dates and miles don’t expire so long as your account is open.

Limited Time Offer

There is a limited-time offer available now. Cardholders can earn 60,000 bonus miles plus Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $3,000 or more within the first 90 days of opening your account.

You can get another Alaska’s Famous Companion Fare™ annually. Each year on your credit card account anniversary, you’ll receive a companion fare which allows you to book a companion flight from just $121 ($99 plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.

The annual fee is $50 for the company and $25 per card. There are no foreign transaction fees.

Hotel Options

If you want a hotel credit card instead, there are several business options available. Of course, some of the best hotel credit cards aren’t business-specific. That doesn’t mean cardholders can’t reap the benefits.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card comes with the ability to earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.

Cardholders can also enjoy complimentary Hilton Honors Gold Status with their card. They will earn a Weekend Night Reward from Hilton Honors after spending $15,000 in purchases in a calendar year. Furthermore, they can earn another Weekend Night Reward after spending an additional $45,000 in purchases in the same calendar year ($60,000 total spent annually).

If you want air travel benefits, this business card also comes with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass Select membership.

New The Hilton Honors American Express Business Card cardholders can earn up to 180,000 Hilton Honors Bonus Points! Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

There is a $95 annual fee (See Rates & Fees).

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card is the program’s first small business credit card. This Chase card comes with Discoverist loyalty status, Hyatt Leverage benefits for small and mid-size businesses, and up to 10% of redeemed Hyatt Points Back (after spending $50,000 in a calendar year, you will get 10% of your redeemed points back for the rest of the year).

Cardholders earn:

  • 9x total points on Hyatt stays (4x points per $1 spent at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points from Hyatt per eligible $1 spent for being a World of Hyatt member)
  • 2x per $1 spent on fitness club and gym memberships

Additionally, earn 2x bonus points on the top three spending categories each quarter through December 31, 2022, then your top two categories each quarter. Categories include:

  • Airline tickets purchased directly from the airline
  • Car rental agencies
  • Local transit and commuting
  • Gas stations
  • Dining
  • Internet, cable, and phone services
  • Social media and search engine advertising
  • Shipping

For example, you would earn 2x points on airline tickets, car rentals, and dining if these are your three top categories. Your purchases from the other 5 categories only earn 1x points.

New cardmembers can earn 75,000 Hyatt points after spending $7,500 in the first 3 months from account opening.

Read more about the many perks and benefits of this card in our World of Hyatt Business Credit Card review.

Delta SkyMiles Platinum Business American Express Card

One card that earns on both airlines and hotels is The Delta SkyMiles® Platinum Business American Express Card.

Cardholders earn 3x Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. They also earn 1.5x miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year, and 1 Mile on every eligible dollar spent on other purchases.

New cardholders can earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on their new Card in their first 3 months.

The annual fee is $250 (See Rates & Fees).

This is one of the best Delta credit cards.

The Delta SkyMiles Platinum American Express Card. Credit: American Express

Business Credit Cards Application Guidelines

Regardless of industry or size, businesses need an infusion of capital every now and again. There are a number of ways business owners and managers can access cash when it is needed, including loans, lines of credit, and credit cards. For some companies, having revolving access to credit in the form of a business credit card is the best solution for ongoing cash flow needs.

Can I Get a Business Credit Card With My EIN?

Yes, you can apply for a business with your EIN. If you don’t have an EIN, no worries. You can apply for a business credit card as a sole proprietor by inserting your social security number into the EIN spot.

Fortunately, business credit cards come in all shapes and sizes, with a wide variety of benefits to boot.

Whether you are looking to apply for a credit card as a consultant who travels often, for a freelancer who has various gigs, or for an entrepreneur working on the latest and greatest product or service, finding the right business credit card is no small feat.

Understanding the benefits that come with each type of business credit card is an important first step in selecting the right account. Here we’ve broken down some of the best advantages specific to business credit cards that help protect – and increase – your company’s bottom line.

Here’s our post on the best business rewards credit card perks.

Employee Business Cards

Authorized users are not a new concept in the credit card world. In fact, the majority of credit card issuers allow the primary cardmember an option to add one (or two) authorized users to an account at any time during the lifetime of the card. They may even help your credit score!

Authorized users have access to the available credit limit for making purchases at any time. Any purchases made apply toward active rewards programs. With business credit cards, the ability to add employees as authorized users comes with substantial benefits.

Spending is easily tracked when employee cards are used consistently. Want to see what Bill in accounting or Megan in HR is buying each month with company dollars? Simply add each as an authorized user to the credit account and track your heart out. Plus, most employee cards come with set limits so the company’s budget is protected from overspending.

Adding employees as authorized users to the company credit card may be most beneficial in rewards accumulation. Instead of using petty cash or other forms of payment for business-related expenses, employees have options. They can use their respective credit cards and earn points toward statement credits, travel discounts or purchases, cash back, or online shopping.

For most business credit card issuers, team member cards can be added at no additional cost.

Best Credit Cards for Small Business Owners

The aspect of business credit cards that makes the financing option stand out more than loans or traditional lines of credit is the rewards potential. As with individual consumer credit cards, such as the best travel credit cards, business owners have the ability to earn points (or miles) that equate to a variety of handsome rewards.

What Is the Easiest Business Credit Card to Get

Let’s take a look at a few examples of the easiest business credit cards to get:

Ink Business Cash Credit Card

The Ink Business Cash® Credit Card, offered by Chase, gives business owners the ability to earn 5% cash back rewards on all purchases made at office supply stores, and phone, cable, and internet services. While the bonus rewards categories are limited to the first $25,000 in spending each year, there is the potential for substantial rewards over time.

In addition, Ink Business Cash Credit Card cardmembers earn 2% cash back on gas station and restaurant purchases, up to the same $25,000 limit each year. All other purchases receive 1% cash back with no limit.

Note that this is also one of the best metal credit cards available.

American Express Blue Business Cash Card

With the American Express Blue Business Cash™ Card (one of the best American Express business cards), account owners earn 2% cash back (in the form of a statement credit) on all eligible purchases, up to $50,000 per calendar year. They don’t have to worry about activating categories or calculate where their cash back is going (it is automatically applied to your statement).

They also don’t have to worry about an annual fee (See Rates & Fees).

Additionally, the Blue Business Cash Card, one of the best business credit cards for office supplies, comes with Expanded Buying Power. This gives cardholders the ability to spend beyond their credit limit. 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.

New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.

Alternative Options

Chase and American Express are not the only business credit card issues. Discover, Citi, Bank of America, and Capital One (like the Capital One Spark Business cards) all offer business credit cards with rewards programs. However, each differs slightly from the next. Generally earning rewards can result in substantial savings for the business.

Redemption Flexibility

The thought of earning rewards on everyday spending is appealing. However, the redemption of those rewards must make sense for the business in real life. Some business credit cards allow account holders to redeem accumulated rewards as cash back. Other rewards programs are redeemable for statement credits, airfare and hotel purchases, gift cards, or purchases made through partner retailers.

The best business credit cards have a strong mix of redemption possibilities with few or no restrictions.

The Fine Print on Perks

Business credit cards are a smart way to manage money flowing out of a company. But, it is necessary to understand not only the rewards programs and redemption options available but also the applicable fees. Some business credit cards carry an annual fee, ranging from $89 up to $450.

Your business should spend enough in specific categories to earn enough rewards to cover the annual fee. If it doesn’t, finding a card without an annual charge is your best bet. You can see some examples in our best travel credit cards with no annual fees post. Business credit cards may also charge interest on any balances carried over from month to month.

Bottom Line

Utilizing a small business credit card is a sound method to spread out cash flow needs over time. You can do this while maintaining a record of purchases for the company. Rewards programs linked to business credit cards make the financing solution even more attractive. But, that is only when those rewards are in line with how your business spends regularly.

Just be aware of the fees associated with credit cards. You want to be able to get the most out of your cards. It doesn’t make sense to pay for perks you aren’t able to use. Spend wisely to reduce costs and earn rewards for your business.

Best Business Credit Cards Travel Rewards

FAQs

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

And for rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

And for rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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