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Business credit cards provide business owners the opportunity to earn rewards on every purchase they make in their business.
Earning 2% back on purchases is a baseline, and there are cards that go far beyond this threshold.
Below I have given our five top picks for business cards.
Table of Contents
American Express Blue Business Cash™
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American Express Blue Business Cash™: Best for Basic Cash BackLearn MoreWe earn a commission on this offer.
- Basics: The Amex Blue Business Cash Card gives you 2% cash back on up to $50,000 of spend on the card per year and 1% cash back thereafter. There is no annual fee. Plus, you can earn a $250 in statement credit if you make a purchase of $3,000 within the first three months from account opening. Terms Apply.
- Example: If you spend $50,000 on the card annually, you will earn $1,000 cash back.
- Bottom Line: This is a straightforward 2% cash back rewards card with no annual fee. If you're looking for a business card with solid and straightforward rewards, the Amex Blue Business Cash is the card for you.
- Welcome Offer
Earn a $250 in statement credit if you make a purchase of $3,000 on your Card within the first three months. Terms Apply.
- Annual Fee
$0
- Intro APR
0% introductory APR for 12 months - Full offer terms: for 12 months from the date of account opening, then a variable rate, 16.25% - 24.24%. (See Rates and Fees)
Ink Business Cash
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Ink Business Cash: Best Bonus Cash Back- Basics: The Ink Business Cash Card gives you 5% cash back on your first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services per year. You also earn 2% cash back on your first $25,000 in combined purchases at gas stations and restaurants per year. You earn 1% cash back on all other purchases, including on purchases in the bonus categories beyond the first $25,000 of annual spend.
- Example: If you max out the bonus categories every year, you will earn $1,750 cash back during the year.
- Bottom Line: If you have significant spending at office supply stores or on internet, cable, and phone services, this card is a must. It's like getting a 5% discount with every purchase!
- Welcome Offer
$750 with $7,500 spend within first three months from opening account
- Annual Fee
$0
- Intro APR
0% introductory APR for 12 months
Ink Business Preferred
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Ink Business Preferred: Best for Business Travel- Basics: The Ink Business Preferred Card gives you three Chase Ultimate Rewards points per dollar on the first $150,000 of travel and select business categories spent per calendar year. You earn one point per dollar spent on all other purchases. By our math (see below), each point is worth 1.25 cents each when you redeem for travel through Chase Ultimate Rewards, making your return 3.75% on the first $150,000 in spend on travel and select business categories per year and 1.25% on other categories.
- Example: If you book through Chase Ultimate Rewards, you can use 60,000 points to cover $750 worth of travel. This comes out to a value of 1.25 cents per point. Because you earn three points per dollar spent on the first $150,000 of travel and select business categories, your return on spend is essentially 3.75% for these purchases since 1.25% x 3 = 3.75%.
- Bottom Line: The Ink Business Preferred is the card to have if you travel a lot for business.
- Welcome Offer
100,000 bonus points with $15,000 spend within first three months from opening account. Since 100,000 points is worth approximately $1,250 when they are redeemed for travel through Chase Ultimate Rewards, this results in a 8.33% return on spend from the bonus alone.
- Annual Fee
$95
- Intro APR
No introductory APR offer
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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CitiBusiness / AAdvantage Platinum Select Mastercard: Best Airline CardLearn MoreWe earn a commission on this offer.
- Basics: The CitiBusiness / AAdvantage Platinum Select Mastercard gives you two AAdvantage miles per dollar spent on eligible American Airlines purchases as well as at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations.
- Example: The value you will extract per AAdvantage mile depends on where and how you fly. For example, you could extract as much as two cents per mile by redeeming them for Business/First AAnytime but as little as one cent per mile by redeeming them for Economy AAnytime. We simply took the average of these and derived a value of 1.5 cents per mile.
- Bottom Line: If you're a frequent American Airlines flyer, then the CitiBusiness / AAdvantage Platinum Select is a great choice. But if you rarely fly American, then you'd probably be better served by a more versatile card.
- Welcome Offer
65,000 bonus miles with $4,000 spend within first four months from opening account. Since 65,000 points are worth approximately $1,050 when they are redeemed for flights, this results in a 26.25% return on spend from the bonus alone.
- Annual Fee
$99, waived for 12 months
- Intro APR
No introductory APR offer
Marriott Bonvoy Business® American Express® Card
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Marriott Bonvoy Business(R) American Express(R) Card- Basics: The Marriott Bonvoy Business Credit Card gives you six points per dollar spent at hotels participating in the Marriott Bonvoy(R) program. You also earn four points per dollar spent at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. You earn two points per dollar spent on eligible purchases. By our math (see below), each point is worth an average of 0.7 cents each when you redeem for hotel stays, making your return on spend 4.2% on Marriott Bonvoy spending; 2.8% on gas stations, wireless telephone services, and shipping; and 1.4% on everything else. There is a welcome offer of 75,000 points with $3,000 spend within first three months from opening account. Terms Apply.
- Example: The value you will extract per Marriott Bonvoy point depends on how you use them. Most will use their points on hotel stays, so that's what we used to come up with our valuation. We averaged the at over 50 hotels around the world and came up with an average value per point on hotel stays of 0.7 cents per points.
- Bottom Line: If you like Marriott Bonvoy hotels and stay at them frequently, this can be a great card to use during your stays, with the whopping 4.2% return at Marriott Bonvoy properties. The 2.8% on gas stations, wireless telephone services, and shipping is also nothing to sneeze at. Terms Apply.
- Welcome Offer
• 100,000 points with $4,000 spend within first three months from opening account. Offer expires on 11/2/2022
• Terms Apply - Annual Fee
$125.
- Intro APR
• 1 Free Night Award every year after your Card renewal month. Can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy(R) program.
• No introductory APR offer (See Rates and Fees)
• Terms Apply
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
To see the rates and fees for the American Express cards featured, please visit the following links: American Express Blue Business Cash™: (See Rates and Fees); Marriot Bonvoy(TM) Business Card from American Express: (See Rates and Fees)
Author:
Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.
