Business Credit Cards With Rewards
A great business credit card helps you run a great business.
Our selection of business credit cards below allows you to pick the best credit card for your unique situation. These cards offer 0% introductory interest and low standard rates for your corporate purchases, whether your business is brand new, small or established. Business credit cards can also offer great rewards. Earn business cash back, miles for travel, or points for just about anything you want. Rewards can even be earned on employee credit cards. Employee cards are free and spending limits can be controlled.
There are several pros to carrying a business credit card in your wallet. If you're a small business owner, we highly recommend taking advantage of the lower APR's and more lucrative rewards programs associated with the best credit cards for business. After all, there's a reason many business rewards credit cards require a business ID when applying - if they didn't, everyone would try to get in on the action! Credit cards for small businesses don't just keep companies moving forward; they make doing business possible.
Consider your small business needs and budget when researching our expert picks for the very best business rewards cards below.
Find the best credit card for you.
SimplyCash® Business Card from American Express
N/A
| Year One | Year Two | Year Three | Total | |
Interest Savings on Balance Transfers  |
$0.00 | $0.00 | $0.00 | $0.00 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$465.60 | $465.60 | $465.60 | $1,396.80 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$73.80 | $73.80 | $73.80 | $221.40 |
| This card offers 5% cash back at U.S. supply stores and 3% cash back on services from U.S. wireless telephone service providers and stand-alone gas stations.. Creditnet took the average of these premium purchase categories (4%, or $.04), and assumes that 35% of the total purchases made on this card are on the advertised premium purchases. Creditnet then assumes that the remaining 65% of purchases receive the standard 1% cash back ($.01). | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $539.40 | $539.40 | $539.40 | $1,618.20 |
Capital One® SparkSM Cash Select for Business
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$319.50 | $319.50 | $319.50 | $958.50 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$813.00 | $426.00 | $426.00 | $1,665.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$35.10 | $35.10 | $35.10 | $105.30 |
| This card offers 1 percent cash back on all purchases, plus a 50 percent anniversary bonus on the cash back you earn each year for a total of 1.5 percent cash back ($.015). | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,167.60 | $780.60 | $780.60 | $2,728.80 |
Capital One® Spark℠ Miles Select for Business
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$229.50 | $229.50 | $229.50 | $688.50 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$753.00 | $306.00 | $306.00 | $1,365.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$35.10 | $35.10 | $35.10 | $105.30 |
| This card offers 1 mile per dollar on all purchases, plus a 50% bonus on the cash back you earn every year, equating a total of 1.5 miles per dollar spent on all purchases made throughout the year. | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,017.60 | $570.60 | $570.60 | $2,158.80 |
Many business credit cards allow you to earn more rewards on purchases in certain categories. For example, if you are a home contractor, you may want to use a business card that gives you higher rewards on all your purchases at home improvement stores, like The Home Depot.
Capital One® Spark℠ Cash for Business
N/A
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$274.50 | $274.50 | $274.50 | $823.50 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$366.00 | $366.00 | $366.00 | $1,098.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$46.80 | $46.80 | $46.80 | $140.40 |
| This card offers 2% cash back ($.02) on every purchase, every day. | ||||
| One Time Bonus |
$0.00 | $0.00 | $0.00 | $0.00 |
| Cardholders that spend $1,000 within the first three months of account opening will receive a $100 cash back bonus. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$59.00 | -$59.00 | -$59.00 | -$177.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $628.30 | $628.30 | $628.30 | $1,884.90 |
Capital One® SparkSM Classic for Business
N/A
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Business Rewards Credit Cards - How they help your business
Any small business owner knows that owning the right business rewards credit cards can be crucial to keeping your business afloat and on track. A business credit card serves much the same purpose as a regular credit card, and quite often include similar rewards incentives.
With business credit cards that offer rewards, the idea is simple - find the card that works best for your business, use it to make all your relevant purchases and earn rewards your company can DIRECTLY benefit from; cash back, airline miles and supplier discounts.
Our favorite business credit cards are rewards-heavy; when you own a small business, every little bit helps. The trick is finding a rewards program that can do the most for you and your business. Pay special attention to introductory periods and sign-up bonuses when determining which business credit card to apply for.
For example, if a particular business credit card requires a spending threshold for bonus points that fits well within your budget then it’s certainly worth considering as it could lead to some free cash or bonus airline miles.
Another important consideration when choosing a business credit card is interest. (It always is.) Generally, business rewards credit cards catch a small APR break compared to personal credit cards. This is one reason why most business credit cards require an employment identification number; these credit cards are tailor-made for business and offer perks and rewards set aside for companies versus consumers.
Finally, consider employee cards and whether or not points can be earned on credit cards when choosing which business rewards credit card to apply to. Employee cards are usually free and limits can be controlled, plus each employee card can help your company build credit and earn rewards.
Use our detailed comparison table of business rewards credit cards above to learn more about specifics on our recommended cards.
