5 Business Credit Cards Everyone Should Consider

5 Business Credit Cards Everyone Should Consider

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When you are comparing business credit cards, there are many directions you can go. You can focus on earning the most valuable rewards, getting the best benefits or just finding a good card with no annual fee. But among each type of business credit card, there are some that provide tremendous value, and others that simply aren’t competitive.

No matter what kind of business credit card you’re looking for, you should consider these five cards that are among the best in the market.

1. The Business Platinum® Card from American Express

This is the card you need to consider if you are a serious business traveler. The Business Platinum Card From American Express offers numerous premium travel benefits including access to three different airport lounge networks — Priority Pass Select, Delta SkyClubs and the American Express Centurion Lounges. You also receive Gold Status when you sign up for the Starwood Preferred Guest Program. Other perks include a $200 annual air travel fee credit, and a $100 credit towards the Global Entry application fee, which includes access to the TSA PreCheck program. 

With this card, you Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. Points are earned in the American Express Membership Rewards program, which offers transfers to miles with 17 different frequent flier programs (as of June 2017). There’s a $595 annual fee for this card, and no foreign transaction fees.

The Business Platinum® Card from American Express
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Terms, Rates & Fees

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 Learn More

2. Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Learn More

This new card is ideal for earning the most rewards for your frequent business purchases. It features three points per dollar spent on travel, shipping, Internet, cable and phone services, and on advertising bought from social media sites and search engines. The 3x rewards are limited to your first $150,000 spent in combined purchases each account anniversary year.

Points are earned in Chase’s Ultimate Rewards program, and can be redeemed for 1.25 cents each towards travel booked through Chase’s Ultimate Rewards website. Or points can be transferred to miles with seven different frequent flier programs or points with four different hotel programs. It also features a wide range of travel insurance and purchase protection policies. There’s a $95 annual fee for this card, and no foreign transaction fees.

3. Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Earn unlimited 2% cash back for your business on every purchase, everywhere. Earn a one-time $500 cash Learn More

If you are looking for a business credit card to earn plain old cash back, the Spark Cash card is hard to beat. It features unlimited 2% cash back on all purchases, with no minimum to redeem. Other benefits include free employee cards, quarterly and year-end summaries, and a purchase security policy that protects you against lost or stolen purchases. There’s an annual fee for this card of $0 intro for first year; $95 after that, and no foreign transaction fees.

4. U.S. Bank Business Platinum

When you need a business card that offers introductory financing, you should consider the US Bank Business Edge Platinum Card. It offers 0%* for 20 billing cycles on purchases*

5. JetBlue Business Card From Barclaycard

JetBlue is a favorite of business travelers, and it’s business credit card is one of the best airline cards offered. It features 6x points on JetBlue purchases, 2x points at restaurants and office supply stores, and one point per dollar spent elsewhere. Benefits include a free checked bag, 10% of your redeemed points back, and a 50% savings on in-flight purchases. You can also earn TrueBlue Mosaic status after spending $50,000 or more on purchases within a year. There’s a $99 annual fee for this card, and no foreign transaction fees.

Most rewards credit cards require a good personal credit score in order to get approved (your business credit scores are important for other types of business financing, but aren’t likely to be considered for a business credit card application). Business cards will report to your personal credit scores (depending on the card issuer and its policy — you can see a nifty chart here). You can see where your personal and business credit scores stand for free on Nav.com.

More Offers to Consider:

Capital One® Spark® Miles Select for Business

Earn 1.5 miles per $1 on every purchase. Plus, a one-time bonus of 20,000 miles once you spend $3,000 Learn More
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