The Best Business Credit Cards for Maximum Rewards

In our quest to help businesses thrive, we’ve researched and analyzed the top business credit cards available in today’s market.

Chase Ink Business Cash® Credit Card

Our Rating: 4.50/5.00 stars

Cardholder Review Ratings: 1,345 reviews give it 4.25/5.00 stars as of 9/1/23.

The Chase Ink Business Cash® Credit Card is a standout in the world of business credit cards. With a generous $900 cash back bonus after spending $6,000 in the first 3 months, this card is a true gem for small businesses. Furthermore, it offers a remarkable 5% cash back at office supply stores and on internet, cable, and phone services, up to a $25,000 spending cap each account anniversary year. This makes it an invaluable tool for businesses with traditional office needs.

While this card may not suit high-spending businesses due to its $25,000 annual spending cap in bonus categories, it is the ideal choice for new businesses, startups, and those operating on a tight budget. Additionally, the 0% introductory APR allows you to manage your expenses without incurring interest charges.

Leveraging your business card rewards:

• Welcome offer: A substantial sign-up bonus that can be redeemed for cash back, travel, and more.
• 0% intro APR for 12 months on purchases: This feature enables you to pay off significant expenses over time without incurring interest.
• High cash back rates: Earn up to 5% back in popular business spending categories, with versatile cash back redemption options.
• Complimentary protections: Benefit from auto rental collision damage waiver, purchase protection, extended warranty protection, and free employee cards with individual spending limits.

Chase Ink Business Unlimited® Credit Card

Our Rating: 4.50/5.00 stars

Cardholder Review Ratings for Ink Business Unlimited® not provided on the Chase site.

The Chase Ink Business Unlimited® Credit Card is a no-annual-fee business card that boasts an uncomplicated rewards system—unlimited 1.5% cash back on all purchases. It also offers an exceptional $900 bonus after spending $6,000 on purchases in the first 3 months, making it a top contender among business cards.

With a 0% intro APR on purchases for 12 months, you have the flexibility to manage your expenses without the burden of interest charges. This card is an excellent choice for busy business owners who prefer a straightforward approach to credit card rewards and want to streamline their expenses.

Leveraging your business card rewards:

• Welcome offer: A substantial sign-up bonus with multiple redemption options, including cash back and travel.
• 0% intro APR for 12 months on purchases: Ideal for financing significant expenses without incurring interest charges.
• Unlimited 1.5% cash back: A competitive rate across all purchase categories.
• Free employee cards: Easily manage your team’s spending with individual spending limits.
• Complimentary protections: Enjoy auto rental collision damage waiver, purchase protection, and extended warranty protection.

Chase Ink Business Preferred® Credit Card

Our Rating: 4.50/5.00 stars

Cardholder Review Ratings: 58 reviews give it 4.50/5.00 stars as of 9/1/23.

The Chase Ink Business Preferred® Credit Card stands out as a top choice for business owners who frequently travel. This card is part of Chase’s esteemed business travel card lineup, known for its exceptional travel rewards program.

New cardholders can earn a whopping 100,000 bonus points after spending $8,000 in the first 3 months. These points can be redeemed for travel at an impressive rate of $0.0125 per point. What sets this card apart is its ability to earn bonus points on advertising purchases, including social media sites and search engines, up to a yearly spending cap. This makes it an ideal choice for online businesses and advertisers.

Additionally, the option to transfer points to Chase travel partners adds even more value for those with loyalty program memberships. While travel credit cards may have a learning curve, the savings you can achieve with this card’s travel points make it well worth the effort.

Leveraging your business card rewards:

• Welcome offer: A substantial travel rewards sign-up bonus that can be redeemed for travel or transferred to travel partners.
• Big bonus rewards: Earn 3 points per $1 on select categories each account year, including advertising purchases, internet, cable, phone services, and travel.
• Free employee cards: Grant individual spending limits to employees and simplify expense management.
• Complimentary protections: Enjoy trip cancellation/trip interruption insurance, auto rental damage collision waiver, cell phone protection, purchase protection, and extended warranty protection.
• Flexible redemption options: Choose from travel bookings, transfers to travel partners, cash back, and more.

American Express Business Gold Card

Our Rating: 4.25/5.00 stars

Cardholder Review Ratings for American Express Business Gold Card not provided on the American Express site.

The American Express Business Gold Card offers a unique approach to bonus categories based on your business’s spending habits. It earns an impressive 4 points per $1 on the top two categories from a list of six where your business spends the most each billing cycle, up to a spending cap of $150,000 per calendar year. This flexibility allows you to maximize rewards based on your specific needs.

With bonus categories including airfare, advertising, and shipping, this card caters to a wide range of businesses. American Express is renowned for its excellent customer service and comprehensive complimentary protections, making this card an excellent choice for business owners with high spending.

Leveraging your business card rewards:

• Welcome offer: A substantial travel rewards welcome offer with a high spend requirement.
• Flexible bonus rewards: Earn bonus points in the eligible categories where you spend the most.
• Expense management: Access valuable expense management tools, including yearly spending summaries and integration with Intuit QuickBooks®.
• Add employees to your account: Provide employee cards with purchasing power and assign an account manager to oversee your account.
• Complimentary protections: Benefit from baggage insurance, car rental loss and damage insurance, extended warranty protection, and more.

These are just a few of the top-tier business credit cards we’ve meticulously researched and reviewed. Stay tuned for the second part of our comprehensive guide, where we’ll delve into more exceptional business credit card options to help you make the best choice for your business.