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Overview
Running a business comes with its fair share of challenges, but choosing the right credit card shouldn’t be one of them. Whether you’re looking to maximize rewards on everyday business expenses, score travel perks for work trips, or streamline your cash flow, the right business credit card can make a big difference.
In this roundup, we’re diving into the best business credit cards available today. We know you’re busy, so we’ve done the homework for you, highlighting cards that stand out for cashback rewards, travel benefits, low interest rates, and options tailored specifically for startups or businesses with high monthly expenses. Whether you’re stocking up on supplies, booking client dinners, or managing employee spending, there’s a card that fits the bill.
Whether you’re a solo entrepreneur or managing a growing team, these cards are designed to help you level up.
The Bottom Line:
The best business credit card is the one that works for you, and your spending habits. With so many options on the market, be sure to focus on the one that maximizes your everyday spending whether it is travel rewards or cashback.
Best business credit cards in December 2024:
- Best for high-spending businesses: Capital One Venture X Business
- Best for Delta business fliers: Delta SkyMiles® Platinum Business American Express Card
- Best for small business owners: Chase Ink Business Unlimited® Credit Card
- Best for Southwest points earning: Southwest® Rapid Rewards® Performance Business Credit Card
- Best for a big bonus: Ink Business Preferred® Credit Card
- Best for steady Southwest points: Southwest® Rapid Rewards® Premier Business Credit Card
- Best for: High-spending businesses
- Annual Fee: $395
- APR: N/A
- Reward Rate: 2X-10X
- Recommended Credit: 740-850
Capital One Venture X Business
150,000 Bonus Miles
Offer Details:
Earn 150,000 miles once you spend $30,000 in the first 3 months from account opening.
Why we like it
The Venture X’s intro bonus is huge. For higher spending businesses, few cards can offer as much in the way of miles. The 2x mile per dollar flat-rate makes earning simple and its $395 annual fee is lower than many of the competing preimum cards. Cardholders get their money’s worth in additional benefits, like lounge access, and employee cards can be added for free.
Reward details
2 miles per dollar on every purchase
5 miles per dollar on flights and vacation rentals booked through Capital One Travel
10 miles per dollar on hotels and rental cars booked through Capital One Travel
Pros & Cons
Pros
Huge introductory bonus
Strong flat-rate earning on all purchases
High-end perks and benefits
Free employee cards
No foreign transaction fees
Cons
High spending threshold to earn bonus
- Best for: Steady Reward Earnings
- Annual Fee: $350
- APR: 20.24% - 29.24% (Variable)
- Reward Rate: 1.5X
- Recommended Credit: 670-850
Delta SkyMiles® Platinum Business American Express Card
70,000 Bonus Miles
Offer Details:
70,000 Bonus Miles after you spend $6,000 on purchases in your first 6 months of card membership.
Why we like it
The Delta SkyMiles® Platinum Business American Express Card is an ideal tool for business owners who frequently fly with Delta and want premium travel benefits. It’s got a few perks that make it much easier to earn elite status with Delta. Plus its annual companion certificate can save you a ton on your next Delta flight, as it allows you to bring along a companion to anywhere in the US and select international destinations for just the cost of taxes and fees. It also offers statement credits for rideshare purchases and Resy restaurant reservations, both of which can help recoup the cost of the annual fee.
Its 70,000-mile bonus is quite enticing and can help cover the cost of your next vacation — we value those miles at $910 in flights on Delta.
Reward details
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Pros & Cons
Pros
The card is offering a sizable 70,000-mile intro bonus, which can easily cover the cost of multiple round-trip flights within the U.S.
Earn 3x miles at Delta; 1.5x miles on transit and eligible U.S. Shipping; 1.5x miles on eligible purchases of $5K or more, up to $100K; Earn 1x miles on all other purchases.
Get a free checked bag for everyone on your booking, up to 8 people.
Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That’s up to $120 back each year.
The card can help you earn elite status with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
You can earn up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ($120 per year).
Card members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. The discount is not applicable to partner-operated flights or to taxes and fees.
Cons
$350 annual fee
Its mileage earning rates for spending aren’t stellar for a card with this high of an annual fee
- Best for: Small Business Owners
- Annual Fee: $0
- Variable APR: 17.74% - 23.74%
- Reward Rate: 1.5%
- Recommended Credit: 670-850
Chase Ink Business Unlimited® Credit Card
$750 Cash Back
Offer Details:
$750 cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we like it
The Ink Business Unlimited Card shines with its large intro bonus, currently sitting at $750 of cash back. The card has no annual fee and a simple but strong rewards-earning rate, with 1.5% cash back (1.5x points) on all purchases. This means you don’t have to worry about tracking any bonus categories and still know that each time you swipe the card you’ll be racking up points.
Even better, if you have a companion Chase card like the Chase Sapphire Preferred® Credit Card, Chase Sapphire Reserve® Credit Card, or the Chase Ink Business Preferred® Credit Card, you can pool your rewards from the Ink Unlimited and make them more valuable by transferring them to Chase’s travel partners like Hyatt, United Airlines, British Airways, Southwest, and more.
Reward details
1.5% unlimited cash back on every purchase for your business
Pros & Cons
PROS
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For small business owners and freelancers it’s one of the best cards for turning spending into valuable rewards. The welcome bonus alone is worth $750 of cash back and you’ll continue to rack up rewards with a solid earning rate that applies to all purchases.
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It has no annual fee.
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If you have another Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can pool your points and make them more valuable. You’ll be able to transfer your points to Chase’s travel partners like Marriott, Air Canada, Southwest, United, and more.
CONS
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It does lack some of the juicier benefits attached to other business credit cards likes the The Business Platinum Card® from American Express. But with no annual fee, it’s hard to argue with its value proposition.
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It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
- Best for: Southwest Points Earning
- Annual Fee: $199
- Variable APR: 20.74% - 27.74%
- Reward Rate: 1X - 4X
- Recommended Credit: 670-850
Southwest® Rapid Rewards® Performance Business Credit Card
80,000 Bonus Points
Offer Details:
80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Why we like it
The Southwest® Rapid Rewards® Performance Business Credit Card is the airline’s top-tier card geared towards those who frequently travel with Southwest Airlines, however it’s easy for someone who flies the carrier just a few times a year to get a ton of value. With this card, you can earn accelerated points on every purchase, gain access to exclusive travel perks, and enjoy comprehensive travel protections. Benefits like the 9,000 anniversary points, four upgraded boardings, and 365 in-flight WiFi credits per year more than cover the annual fee.
Reward details
4X pts on Southwest® purchases.
3X points on Rapid Rewards® hotel and car rental partners.
2X points on rideshare.
2X points on social media and search engine advertising, internet, cable, and phone services.
1X points on all other purchases.
Pros & Cons
Pros
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 4X pts on Southwest® purchases, and 3X pts on Rapid Rewards® hotel and car rental partners. Earn 2X pts on local transit and commuting, including rideshare. Earn 2X pts social media and search engine advertising, internet, cable, and phone services, and earn 1X pts on all other purchases.
Enjoy four Upgraded Boardings per year—you’ll get the earliest access to seats and overhead bins on eligible flight segments. Worth up to $30 each, or $120 total.
You’ll get 9,000 points every year after your first cardmember anniversary. Those points are worth about $125 towards Southwest flights.
Up to $100 Global Entry, TSA PreCheck®, or NEXUS fee credit
Up to 365 inflight WiFi Credits per year (WiFi normally costs $8 per Southwest flight)
$500 fee credit for points transfers per year
Lost luggage and trip protection benefits
No foreign transaction fees.
Cons
Southwest points cannot be transferred or used with any airline partners.
No statement credits.
$199 annual fee
- Best for: Business Travel
- Annual Fee: $95
- Regular APR: 20.49% - 26.49% (Variable)
- Reward Rate: 1X - 3X
- Recommended Credit: 670-850
Chase Ink Business Preferred® Credit Card
90,000 Bonus Points
Offer Details:
90,000 Bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Why we like it
The Ink Business Preferred Business Card pulls attention with its big intro bonus, currently sitting at 90,000 points. That’s worth in $900 cash back, $1,500 toward travel when redeemed through Chase Travel℠, or even more when transferring to Chase’s travel partners like Hyatt, United Airlines, British Airways and more. But the card shows its real value with its high-earning bonus-spending categories. Freelancers and business owners alike will earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year.
Reward details
3X points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X point per $1 on all other purchases – with no limit to the amount you can earn
Pros & Cons
Pros
Simply put, for small business owners and freelancers it’s one of the best cards for turning business spending into valuable travel. The bonus alone is worth $900 cash back, $1,500 toward travel when redeemed through Chase Travel℠, or potentially more when transferring to Chase’s travel partners like Marriott or Air Canada.
It also offers some stellar protections including a comprehensive reimbursement on damaged or stolen cell phones, and primary rental car coverage.
It has a reasonable $95 annual fee.
If you have another Chase card like the Sapphire Preferred or Reserve, or even a cash back earning Chase card, you can pool your points and make them more valuable.
Cons
It does lack some of the juicier benefits attached to other business credit cards likes the The Business Platinum Card® from American Express. But with the low fee, it’s hard to argue with its value proposition.
It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
- Best for: Steady Southwest points
- Annual Fee: $99
- APR: 20.74% - 27.74% (Variable)
- Reward Rate: 1X - 3X
- Recommended Credit: 740-850
Southwest® Rapid Rewards® Premier Business Credit Card
60,000 Bonus Points
Offer Details:
60,000 Bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Why we like it
The Southwest® Rapid Rewards® Premier Business Credit Card is the airline’s middle-tier business card and offers perks for flying Southwest, plus benefits like travel protections and no foreign transaction fees. It’s easy to maximize for those who fly Southwest just once a year, as benefits like the 6,000 anniversary points and two EarlyBird Check-In® per year more than cover the annual fee.
Reward details
3X pts on Southwest® purchases.
2X pts on Rapid Rewards® hotel and car rental partners.
2X pts on local transit and commuting, including rideshare.
1X pts on all other purchases.
Pros & Cons
Pros
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
Earn 3X pts on Southwest® purchases, 2X pts on Rapid Rewards® hotel and car rental partners, 2X pts on local transit and commuting, including rideshare, and 1X pts on all other purchases.
2 EarlyBird Check-In® per year—Get automatic check-in to enjoy a better boarding position and earlier access to overhead bins.
You’ll get 6,000 points every year after your first cardmember anniversary. Those points are worth about $80 towards Southwest flights.
Lost luggage and trip protection benefits.
No foreign transaction fees.
Cons
Southwest points cannot be transferred or used with any airline partners.
No statement credits
by your friends at The Daily Navigator
