Discover the Top 12 Credit Cards for Business with Awesome Rewards!

Are you on the lookout for the perfect credit card to boost your business? I’ve got you covered! Here are the twelve most incredible business credit cards that come with fantastic rewards.

1. The Cashback Champion: This card not only helps you make purchases, but it also gives you a sweet cashback on every transaction. How awesome is that?

2. The Travel Expert: If you’re a globetrotter, this card is your ultimate companion. It offers amazing travel rewards, like free flights and hotel stays. Say hello to stress-free business trips!

3. The Fuel Saver: Constantly on the road? This card will make your life easier by providing you with generous fuel rewards. You’ll save big bucks every time you fill up the tank.

4. The Dining Delight: Love wining and dining with clients? This card is perfect for you. It offers mouth-watering rewards in the form of discounts at top-notch restaurants. Bon appétit!

5. The Office Superstar: Need to upgrade your office equipment? This card rewards you with special deals and discounts on office supplies. Your business will be running smoothly in no time!

6. The Technology Guru: Calling all tech enthusiasts! This card helps you save big on your tech purchases. From laptops to smartphones, you’ll get awesome rewards that’ll keep you ahead of the game.

7. The Entertainment Fanatic: Enjoy taking time off from work? This card treats you to incredible rewards for entertainment expenses, whether it’s concert tickets or a night at the movies. Lights, camera, action!

8. The Wellness Warrior: Wellness matters! This card offers exclusive rewards for fitness-related expenses, so you can stay healthy and happy while running your business like a pro.

9. The Utility Master: Everyone needs to pay their bills, right? Well, this card rewards you for doing just that! Say goodbye to boring bills and hello to exciting rewards.

10. The Business Bonanza: As a business owner, you deserve the best. This card provides you with exclusive rewards tailored specifically for entrepreneurs. It’s time to enjoy those well-deserved perks!

11. The Networking Ninja: Building connections is key in business, and this card understands that. It offers amazing rewards for networking events and professional development opportunities. Get ready to expand your horizons!

12. The Charitable Champion: Giving back feels incredible, and this card encourages your philanthropic side. It offers special rewards for charitable donations, so you can make a positive impact while managing your business.

So, there you have it! Twelve extraordinary business credit cards with mind-blowing rewards. Take your pick, and let the rewards roll in. Your business deserves nothing but the best!

Choosing the right business credit cards with rewards is like hiring a dedicated team member for your company. Not only does it help you manage your finances, but it also earns you rewards with every business purchase, making it an essential asset for your business.

What is a Rewards Business Credit Card?

A Rewards Business Credit Card is a special kind of credit card designed specifically for businesses. When you use this card for transactions, especially eligible ones, you earn points or rewards.

Here’s how it usually works: After you make business transactions and purchases with the card, you will receive your monthly statement. Once you pay for the eligible purchases listed on the statement, the card provider calculates your rewards based on the total amount spent.

When it comes to credit cards, there are cool bonuses you can get! These bonuses might be money back, miles for traveling, or other great things. The amount and type of bonuses you get depend on the company that issued your card and the program they have.

Here’s something important to keep in mind if you want to apply for a credit card: having a good credit score will make it much more likely for business credit card companies to approve your application. So, if your creditworthiness rating is in the fair to excellent range, you’re in good shape!

Discover the Different Types of Credit Card Rewards

When it comes to choosing the right credit card rewards program for your small business, you have plenty of options to consider. Let me break it down for you:

1. Cashback

If you’re looking to get a little something back from your purchases, cashback rewards are the way to go. With this type of program, you’ll earn a percentage back based on how much you spend. While the standard offer is usually around 1.5 or 2%, there are even better deals out there. For example, if you spend $25,000 on combined purchases at a 2% cashback rate, you’d earn a whopping $500 back!

2. Miles

Are you a frequent flyer? Then a miles rewards program might be perfect for you. With this type of program, your purchases will contribute towards earning airline miles or other travel benefits. These miles can be used for flights or even towards rental vehicles, making your travel experiences even more rewarding.

3. Points

If you enjoy options and flexibility, a points rewards program is worth considering. With points, you have a few different redemption options. You can use them to cover the cost of hotel stays or airfare, or you can even exchange them for a variety of products and services. And if you prefer cold hard cash, you can convert your points into statement credits, putting money back into your pocket.

So, with the various types of credit card rewards available, you have the power to choose the program that best suits your needs. Happy earning!

Have you ever wondered about credit cards? Well, let me tell you, they’re not just about reward cards. Financial institutions offer all sorts of credit cards, and it’s important to be well-informed before you decide to apply for one. So, let’s dive in and answer some questions about business credit cards.

Why You Should Think About Getting a Rewards Business Credit Card

First things first, what kind of business do you have? Where do you spend most of your money? It’s important to consider your spending habits when choosing a credit card.

• If you go for a statement credit card, you can earn $750 or more in just three months. Now that’s some serious cash!
• Or maybe you’re into travel. With a rewards card, you can use those points to get discounted fees on air travel and hotels. It’s like getting an awesome deal!
• Here’s a cool fact: many rewards cards have no annual fees. That means you can enjoy all the benefits without shelling out extra cash each year. Score!
• And wait, there’s more! Some credit cards offer bonus rewards like a sign-up bonus or an anniversary bonus. Those extra perks can really add up!
• If you’re looking to save on interest, you might want to check out a card with 0% APR for a year. Plus, if you make your payments on time and have a good payment history, you can get a low APR after the first year. It’s a win-win!

Our Approach: Choosing the Best Business Credit Cards with Rewards

Finding the right business credit card with rewards can be tough. It’s hard to figure out which one is perfect for entrepreneurs and small business owners like you.

When we set out to recommend the best business credit cards with rewards, we took a careful look at a variety of factors. These factors are ranked on a scale from 1 to 10, with 10 being the most important. By doing this, we made sure our selections meet the different and ever-changing needs of small businesses.

1. Rewards Structure: A Perfect 10
2. We looked at the types of rewards offered, such as cash back, points, and miles.
3. We checked out how many rewards you can earn for different types of spending.
4. We made sure the rewards system was easy to understand and use.

When it comes to choosing a credit card, there are several factors that are important to consider. Let me break it down for you.

First and foremost, redemption flexibility is a key factor. It’s important to have a variety of options when it comes to redeeming your rewards. Whether it’s for travel, merchandise, or a statement credit, having choices is a plus. It’s also worth considering the minimum thresholds for reward redemption and the expiration policies of rewards points or miles. These factors can greatly impact the value of your rewards.

Next up is the annual fee. This is an important consideration because it can vary from card to card. When comparing different cards, be sure to weigh the annual fee against the benefits offered. You’ll also want to see if there are any cards available with no or low annual fees. Lastly, consider if the fee is justified based on the rewards and perks that come with the card.

Another important factor to consider is the interest rates and APR (Annual Percentage Rate). It’s important to find a card with a competitive APR for both purchases and balance transfers. You may also want to look out for any introductory APR offers that can save you money in the short term. Keep in mind that the APR can have an impact on businesses carrying a balance, so it’s worth considering how it may affect you.

Last but not least, sign-up bonuses are another factor to consider. While they may not be the most important factor, they can still have an impact. Take a look at the sign-up bonuses offered by different cards and weigh them against the other factors. Keep in mind that sign-up bonuses can vary in value and may come with certain requirements.

So there you have it, the key factors to consider when choosing a credit card. By weighing these factors and finding the card that aligns with your needs and preferences, you’ll be well on your way to making an informed decision.

I think the most important things to consider when choosing a business credit card are the sign-up bonuses, the extra perks and benefits, the credit requirements, and the customer support and services.

First, let’s talk about the sign-up bonuses. These are the special offers that you get when you sign up for a new credit card. They can be really attractive and make it easier for you to earn rewards. It’s also important to look at the spending requirements for these bonuses. Some credit cards require you to spend a certain amount of money within a certain period of time to be eligible for the bonus. You’ll want to compare these requirements and make sure they’re attainable for your business.

Next, let’s look at the extra perks and benefits that come with a business credit card. These can include things like travel insurance, purchase protection, and extended warranties. Some credit cards even offer perks that are tailored to your business needs, like free employee cards or exclusive offers. It’s worth considering these extras and how they align with what your business needs.

Credit requirements are also important to think about. Different credit cards have different requirements for businesses with different credit profiles. It’s important to know if you’ll be able to qualify for a card based on your credit score. Some credit cards also offer options for businesses that are still building their credit. Transparency is also key here – it’s important to know what the credit score requirements are upfront.

Lastly, customer support and services should be taken into account. It’s important to know that you’ll have access to help if you ever need it. Whether it’s assistance with managing your account or resolving any issues you may encounter, good customer support can make a big difference.

So, when you’re choosing a business credit card, consider the sign-up bonuses, the extra perks and benefits, the credit requirements, and the customer support and services. I hope this helps you make an informed decision!

I want to talk about the important factors to consider when choosing a credit card. These factors include the quality and availability of customer support, online account management, mobile app functionality, and additional services like expense management tools. Each of these aspects can greatly impact your credit card experience and it’s crucial to assess them before making a decision.

Let’s start with customer support. It’s essential to have access to reliable and helpful customer support when dealing with any issues or inquiries regarding your credit card. Whether you prefer phone or online assistance, it’s crucial to choose a card that offers quality customer support that suits your needs.

Next up, we have online account management and mobile app functionality. In today’s digital age, having an easy-to-use online platform and mobile app can greatly enhance your credit card experience. It provides convenience and accessibility, allowing you to manage your account, track expenses, make payments, and monitor your rewards anytime and anywhere.

Lastly, additional services like expense management tools can be a game-changer. Some credit cards offer features that help you better manage your finances, such as budgeting tools, transaction categorization, and spending insights. These tools can provide valuable insights and help you stay on top of your expenses.

Remember that every business has different needs, and what works for one entity might not be the best choice for another. So, while our list covers important factors to consider, it’s crucial to evaluate how each card aligns with your specific requirements. Take the time to research and compare different options before making a decision. By doing so, you can find a credit card that suits your needs and enhances your financial journey.



The 12 Coolest Business Credit Cards for Awesome Travel Rewards

Before I reveal all the juicy deets about these amazing credit cards, let’s start by checking out this handy dandy table. It’ll give you a quick look at the coolest features of the top 12 business credit cards that will make your travel dreams come true:



As you go through our summaries of the top twelve card choices, think about which one would be the most beneficial for your business.

1. Business Platinum Card® from American Express

With the Business Platinum Card from American Express UK, you can instantly apply rewards when you make a purchase. Also, take a look at the American Express blue business cash card while you shop with American Express.

• Rewards: You will earn 150,000 points after spending $15,000 on office supplies and other qualifying purchases in the first three months of having the card.
• Annual Fee: $0
• Credit Needed: You need a good credit score.
• APR: 0% for 12 months, after that it will be between 14.24% and 22.24%

2. Ink Business Preferred® Credit Card

• Rewards: I’ll earn 100,000 bonus points if I spend $15,000 on office supplies, wireless telephone purchases, internet, cable, and phone services within the first 3 months of having the card.
• Annual Fee: The annual fee for this card is $95.
• Credit Needed: To qualify for this card, you need to have a good credit score.
• APR: The annual percentage rate (APR) for this card ranges from 15.99% to 20.99%.

3. Blue Business Plus American Express Business Card

• Rewards: If you sign up for this card, you’ll receive a $250 statement credit if you spend $5,000 in the first 6 months. You’ll get an additional $250 credit if you spend another $5,000 in the next 6 months.
• Annual Fee: There is no annual fee for this card.
• Credit Needed: To be eligible for this card, you should have a good credit score.
• APR: The APR for this card ranges from 13.24% to 19.24%.

4. Capital One Spark Miles for Business

Get ready to take your business to new heights with the Capital One Spark Miles for Business credit card. It’s packed with amazing benefits and rewards that will make your hard-earned dollars go even further!

• Get Miles for Every Dollar: For every dollar you spend, you’ll earn 2 miles. That’s double the rewards for your everyday purchases!
• Redeem for Extra Protection: Use your earned miles to purchase warranty protection and rental car insurance. It’s like having extra peace of mind wherever you go!
• Bonus Miles for a Great Start: Spend $4,500 in the first 3 months of opening your account and earn a whopping 50,000 bonus miles. That’s a fantastic way to kickstart your rewards journey!
• No Yearly Fee for the First Year: Enjoy the benefits of the Capital One Spark Miles for Business card without any yearly fee for the first year. You’ll only start paying $95 after that, but the value you receive will be worth every penny!
• Good Credit Required: To qualify for this amazing credit card, you’ll need to have good credit. So keep up with those payments and let your credit score shine!
• Variable APR: The APR for this card is 20.00%. It may vary based on market conditions, so make sure to check the current rate.

5. American Express® Business Gold Card

The American Express Business Gold Card is a true gem when it comes to business credit cards. Its generous rewards and flexible credit limit make it a top choice for savvy business owners.

• Earn Luxurious Rewards: Imagine earning 80,000 rewards points just by spending $10,000 on combined purchases within the first 3 months. It’s the perfect way to treat yourself for all your hard work!

1. Wells Fargo Cash Wise Visa Card

• Yearly Fee: $295
• Credit Needed: Good
• APR: 0% for 12 months, then 14.24-22.24%

2. Hilton Honors Business Card

• Rewards: Get 3 points for every $1 spent, and 7 points per dollar spent on purchases from the Hilton portfolio of hotels. You’ll earn 80,000 Hilton Honors bonus points after spending $1,000 in the first 3 months, and an additional 50,000 after you spend $5,000 in the first 6 months.
• Annual Cost: $0
• Credit Needed: You need an excellent credit history and financial resources.
• APR: 15.74-24.74%



7. Ink Business Unlimited Credit Card

If you’re a business owner looking for a credit card with great rewards, the Ink Business Unlimited Credit Card is worth considering. Let me break it down for you:

• Rewards: You can earn $750 cash back when you spend $7,500 in the first three months. And if you spend another $7,500 in the next three months, you’ll get an additional $750 cash back. Plus, for all your business purchases, you’ll earn 1.5% cash back.
• Annual Cost: Guess what? It’s $0! You won’t have to worry about paying an annual fee.
• Credit Needed: As long as your credit is good, you can qualify for this card.
• APR: The best part is, you’ll enjoy a 0% APR for the first 12 months. After that, it will be between 13.24% and 19.24%. Not too shabby, I’d say.

8. World of Hyatt

Imagine treating yourself to not just one, but five stays at Hyatt hotels every year. That’s what the World of Hyatt credit cards program offers. Let me give you the scoop:

• Rewards: With this card, you can earn a whopping 60,000 bonus points. You’ll get 30,000 after spending $3,000 in the first three months, and another 30,000 after spending $3,000 in the following three months. On top of that, you’ll also have those five stays to look forward to.
• Annual Fee: It’ll cost you $95 per year to enjoy all these amazing benefits.
• Credit Needed: Just make sure your credit is good, and you’ll be eligible for this card.

1. A Card for Travel Lovers: Capital One Venture Rewards

• Rewards: Earn 50,000 bonus miles after spending $3,000 within the first 3 months. Enjoy unlimited 2X miles on all purchases.
• Annual Fee: $95, waived for the first year
• Credit Needed: Excellent
• APR: 17.24-24.49%

2. The Cash Back Master: Citi Double Cash Card

• Rewards: Earn 2% cash back on all purchases – 1% when you buy and 1% when you pay
• Annual Fee: $0
• Credit Needed: Good
• APR: 13.99-23.99%

3. For Business Owners: American Express Business Gold

• Rewards: Earn 70,000 Membership Rewards points after spending $10,000 within the first 3 months. Enjoy 4X points on the 2 select categories where your business spends the most each month.
• Annual Fee: $295
• Credit Needed: Good
• APR: 14.24-22.24%

4. The Ultimate Travel Perks: Chase Sapphire Reserve

• Rewards: Earn 50,000 bonus points after spending $4,000 within the first 3 months. Enjoy 3X points on travel and dining worldwide, and access to airport lounges.
• Annual Fee: $550
• Credit Needed: Excellent
• APR: 16.99-23.99%

5. Straightforward and Simple: Wells Fargo Propel American Express

• Rewards: Earn 20,000 bonus points after spending $1,000 within the first 3 months. Enjoy 3X points on dining, gas stations, rideshares, and streaming services.
• Annual Fee: $0
• Credit Needed: Good
• APR: 14.49-24.99%

6. A Card for Heritage and Local Pride: U.S. Bank Cash+ Visa

• Rewards: Choose your own 5% and 2% cash back categories every quarter
• Annual Fee: $0
• Credit Needed: Good
• APR: 14.99-23.99%

7. The Ultimate Luxury Card: The Platinum Card® from American Express

• Rewards: Earn 75,000 Membership Rewards points after spending $5,000 within the first 6 months. Enjoy access to airport lounges, $200 annual airline fee credit, and more.
• Annual Fee: $550
• Credit Needed: Excellent
• APR: N/A

8. The Student Essential: Discover it Student Cash Back

• Rewards: Match all the cash back you’ve earned at the end of your first year. Enjoy 5% cash back in rotating categories each quarter, up to the quarterly maximum.
• Annual Fee: $0
• Credit Needed: Good
• APR: 15.99-22.99%

9. A Flight-Happy Card: Southwest Rapid Rewards Performance

• Rewards: Get 40,000 bonus points after spending just $1,000 in the first 3 months, plus enjoy 4 upgraded boarding passes. You’ll receive 80,000 bonus points if you spend $5,000 in the first 3 months. And the best part? Your bags fly free.
• Annual Fee: $149
• Credit Needed: Good
• APR: 15.99-22.99%

10. For Business Travelers: Delta SkyMiles Business Gold

• Rewards: Earn 50,000 bonus miles plus a $50 credit after spending $2,000 in 3 months. Enjoy double miles credit on Delta purchases and shipping expenses.
• Annual Fee: $0 for the first year, then $99
• Credit Needed: Good.

1. Chase Ink Business Preferred

• Rewards: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. You’ll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn. Points don’t expire as long as your account is open.
• Annual Fee: $95
• Credit Needed: Excellent
• APR: 15.74-20.74%

2. American Express® Business Gold Card

• Rewards: 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. Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Points don’t expire as long as your account is open.
• Annual Fee: $295
• Credit Needed: Excellent
• APR: 14.24-22.24%

3. Capital One Spark Cash for Business

• Rewards: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Earn unlimited 2% cash back for your business on every purchase, everywhere.
• Annual Fee: $0 intro for first year, $95 after that
• Credit Needed: Excellent
• APR: 20.99%

4. CitiBusiness / AAdvantage Platinum Select Mastercard

• Rewards: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. First checked bag is free on domestic American Airlines itineraries for you and up to 4 companions traveling with you on the same reservation. Enjoy preferred boarding on American Airlines flights. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases. No foreign transaction fees on purchases.
• Annual Fee: $99, waived for the first 12 months
• Credit Needed: Excellent
• APR: 15.99-24.99%

5. Capital One Spark Miles for Business

• Rewards: Earn a one-time bonus of 50,000 miles (worth $500 in travel) once you spend $4,500 on purchases within the first 3 months from account opening. Earn unlimited 2X miles per dollar on every purchase, everywhere. Receive free employee cards, which also earn unlimited 2X miles from their purchases.
• Annual Fee: $0 intro for first year, $95 after that
• Credit Needed: Excellent
• APR: 20.99%

6. Discover it Business Card

• Rewards: Unlimited 1.5% cash back on every purchase, every day. Match cash back at the end of your first year of card membership. Your cash back won’t expire.
• Annual Fee: $0
• Credit Needed: Excellent
• APR: 14.49-24.49%

7. Wells Fargo Business Platinum Credit Card

• Rewards: No rewards offered
• Annual Fee: $0
• Credit Needed: Excellent
• APR: 11.49-21.49%

8. U.S. Bank Business Platinum Card

• Rewards: No rewards offered
• Annual Fee: $0
• Credit Needed: Excellent
• APR: 14.74-23.74%

9. Capital One® Spark® Classic for Business

• Rewards: Unlimited 1% cash back on every purchase, every day.
• Annual Fee: $0
• Credit Needed: Average, Fair, Limited
• APR: 26.99%

10. Bank of America Platinum Plus® Mastercard® Business

• Rewards: No rewards offered
• Annual Fee: $0
• Credit Needed: Excellent
• APR: 15.74-24.74%

11. Bank of America Business Advantage Travel Rewards

• Rewards: You’ll receive 30,000 bonus points after spending $3,000 on purchases in the first 90 days. You’ll earn 3 points for every travel dollar spent on rental vehicles, airfare, and hotel. You’ll earn 1.5 points on every dollar spent on other purchases. Points won’t expire unless you switch cards.
• Annual Fee: $0
• Credit Needed: Good
• APR: 13.99-23.99%

12. Marriott Bonvoy Business American Express

The Marriott Bonvoy Business card from American Express has a great rewards program. The rewards get even better if you become a Marriott Business Member.

• Rewards: You can earn a whopping 75,000 bonus points by spending $3,000 within a span of 3 months. Along with that, you’ll also receive a $150 credit on your statement. And, if you decide to join Marriott Business, you can earn 6 times the points when you stay at participating hotels and 4 times the points when you buy gasoline.
• Annual Fee: The annual fee for this card is $125.
• Credit Needed: This card requires a good credit history.
• APR: The Annual Percentage Rate (APR) for this card ranges from 15.24% to 24.74%.



What’s the best small business rewards credit card?

So, you’re in the market for a rewards card for your small business. The thing is, what works for one person might not work for another. It’s all about finding the right fit for your specific needs. That being said, I’ve got a couple of standout options from American Express that you might want to consider: the Business Platinum and Business Gold.

Here’s the deal with these cards – they’ve got some pretty enticing features for businesses. For starters, you’ll get a 0% interest rate for the first 12 months. That’s a whole year of not having to worry about paying any interest on your purchases. Not too shabby, right? But let’s dive a little deeper.

The Business Platinum card really stands out because it doesn’t have an annual fee. That means you won’t have to shell out any extra money just for the privilege of using the card. Plus, they’re throwing in a sweet rewards offer: if you spend $15,000 within the first three months, you’ll earn a whopping 150,000 points. That’s a nice little bonus, wouldn’t you say?

Now, let’s talk about why that 0% interest rate is such a game-changer. It’s all about cash flow, my friend. When you’re running a business, every dollar counts. Being able to use this card without racking up any interest charges can help you manage your money more efficiently. And let’s be honest, who doesn’t want to keep a closer eye on their cash flow?

When it comes to choosing a rewards credit card for small businesses, many experts and users prefer the American Express Business Platinum for its great combination of features and benefits.

Can I earn points with a business credit card?

Definitely! One of the best things about business rewards credit cards is that you can earn points on your purchases. The earning rate may vary depending on the specific card and program you choose. For example, some cards offer a flat rate of 1.5 points for every dollar you spend.

But there are also premium or specialized cards that give you even higher rates, like up to 7 points per dollar spent on certain categories or merchants.

Once you’ve earned these points, you can redeem them for all sorts of cool things, like travel, merchandise, or even cash back, depending on the program offered by the card issuer.

Can I Use a Business Credit Card for Personal Rewards?

They say you should never mix business with pleasure, and that’s especially true when it comes to money. If you’re running your own business, it’s important to keep your finances separate and organized.

Business credit cards often come with some great rewards and perks, but it’s best to resist the temptation to use them for personal expenses. Save them for business-related purchases only.

Using your personal credit card for business transactions can make things messy, and you might run into problems with your taxes and accounting later on. It’s just not worth the risk.