Best Business Credit Cards in the US

All Travel Business Hotel Airline No Annual Fee Premium Cash Back

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BusinessChaseCash Back

Why consider it: Business card. For businesses making large individual purchases that qualify for its higher cash-back tier.

Trade-off: Its rewards do not have the same transfer options as Ink Preferred; check repayment and annual fee terms. An eligible business activity is required.

Annual fee: $195
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $10,000 in purchases in the first 3 months from account opening. Offer eligibility requirements apply.: $1,000

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Unlimited 5% total cash back on travel purchased through Chase TravelSM.
No Foreign Transaction Fees & includes Trip Cancellation/Trip Interruption Insurance.
Only business credit card with 2.5% cash back on every purchase of $5,000+.
Pay In Full each month but Flex for Business feature lets qualifying purchases be paid over time with interest.
Fraud Protection, Zero Liability, Purchase Protection, Cell Phone Protection, Extended Warranty Protection.
Employee cards at no additional cost (monitor spend with digital tools).
Member FDIC

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Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of $1,000
2x on groceries
2x at restaurants

Cons

High annual fee ($195)

Maximize Big‑Ticket Spend with the Chase Ink Business Premier^® Card

$1,000 bonus cash back when you spend $10,000 on purchases in your first 3 months
2.5% cash back on every purchase of $5,000 or more
2% cash back on all other business purchases
5% cash back on travel booked through Chase Travel℠
$195 annual fee
No foreign transaction fees
Flex for Business^® lets you pay qualified purchases of $500+ over time
Built‑in protections: trip cancellation/interruption, baggage delay, purchase, cell phone and fraud protection
Employee cards at no additional cost with spend controls & real‑time alerts

Ideal for businesses with large recurring expenses, this card delivers enhanced cash back on big purchases and valuable travel rewards—easily offsetting its annual fee. Manage everything in one intuitive dashboard, enjoy flexible payment options for qualifying charges and protect your purchases with comprehensive coverage.

Terms apply. Approval subject to creditworthiness. See issuer for full details.

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Ink Business Unlimited® Credit Card

BusinessChaseCash Back

Why consider it: Business card. For uncategorized business expenses and employee purchases that need a simple flat cash-back rate. No annual fee.

Trade-off: Category-focused business cards may earn more on concentrated spending; compare before using it for everything. An eligible business activity is required.

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offerAfter $6,000 in purchases in the first 3 months after account opening. Offer eligibility requirements apply.: $750

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 3 %

Issuer terms

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

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Travel insurance: Coverage
Delayed Baggage: $300
Lost Baggage: $3,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

No annual fee
Welcome bonus of $750

Cons

Fewer premium perks

Power Your Business with the Chase Ink Business Unlimited℠ Credit Card

$750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
1.5% unlimited cash back on every purchase, with no caps or category tracking
0% intro APR on purchases for 12 months to finance big expenses interest‑free
No annual fee and free employee cards with customizable spending limits
3% foreign transaction fee on purchases made abroad

Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile^® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.

Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.

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Capital One Venture X Business

Business Capital One Capital One Miles

Why consider it: Business card. For business travel that can use flat-rate miles, premium airport access, and the business travel credit.

Trade-off: Check full-payment terms and the Business-specific lounge rules rather than assuming personal Venture X conditions. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$6,550Total$6,550Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $6,550
Welcome offerAfter $120,000 in 4 months: Up to 300,000 miles

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited-time offer: up to 300,000 miles and a $1,000 Capital One Business Travel credit.
Within the first four months: earn 150,000 miles after $40,000 in purchases, then another 150,000 miles and the $1,000 credit after $120,000 in cumulative purchases.
The $1,000 welcome credit posts within two billing cycles and expires 16 months after account opening. Apply it at checkout through Capital One Business Travel.
Receive a separate $300 annual Capital One Business Travel credit, expiring the day before the next account anniversary at 11:59 p.m. ET, and 10,000 miles after each anniversary. Credit-funded amounts do not earn rewards.
Earn 2 miles per dollar on purchases; earn 10 miles on hotels and rental cars and 5 miles on flights and vacation rentals booked through Capital One Business Travel.
Annual fee: $395. No foreign transaction fees. Designed to be paid in full, with an option to carry part of the balance with interest under the account agreement.
The bonus may not be available to existing or previous Capital One Business cardholders. Start the application from this offer’s page. The account must be open and in good standing for the credits; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

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Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $1,500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary, primary for business rentals, primary abroad): 31 days
Price protection: ✓

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Pros

Welcome bonus of 300,000 miles
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

The Capital One Venture X Business card is aimed at businesses that use Capital One’s travel services and can justify a $395 annual fee. It earns 2 miles per dollar on purchases, plus 10 miles on hotels and rental cars and 5 miles on flights and vacation rentals booked through Capital One Business Travel.

The limited-time offer provides up to 300,000 miles and a $1,000 travel credit. In the first four months, $40,000 in purchases earns 150,000 miles; $120,000 in cumulative purchases earns another 150,000 miles and the credit. The second threshold is $120,000 in total, rather than an additional $120,000. Assess it against business spending already planned.

The separate $300 annual credit, 10,000 anniversary miles and lounge access can contribute value when the business uses them. Lounge access and enrollment conditions still apply. The card is designed to be paid in full, with an option to carry part of the balance with interest; it should not be treated as interest-free financing.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

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The Business Platinum Card® from American Express

Business Amex American Express Membership Rewards

Why consider it: Business card. For business travelers who will use Amex lounge access and the card’s business and travel credits.

Trade-off: Credits have merchant, booking, and enrollment restrictions; check employee access and payment terms separately. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$5,700Total$5,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $5,700
Welcome offerAfter $20,000 in 3 months: Up to 300,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership. Welcome offers vary by applicant and you may not be eligible for an offer. The advertised 300,000 points is a maximum, not a guaranteed bonus. Confirm your own offer before accepting the card.
The American Express Global Lounge Collection provides access subject to each network’s enrollment, admission, visit and guest conditions. Check the current Amex lounge finder for participating locations and access rules.
Annual fee: $895. Statement credits are conditional and are not cash automatically received each year. Evaluate only the benefits you expect to use, including their spending thresholds, enrollment and periodic limits. Terms checked October 26, 2026.
Hotel credit: up to $300 per half-year, $600 per calendar year, for eligible prepaid Fine Hotels + Resorts, The Hotel Collection and Airbnb Luxe bookings through Amex Travel. Unused amounts do not carry forward. The Hotel Collection and Airbnb Luxe require at least 2 nights; Fine Hotels + Resorts also requires at least 2 nights from January 1, 2027.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Hilton credit: up to $50 per quarter, $200 per calendar year, for eligible Hilton purchases. Hilton For Business and Hilton Honors membership and Amex benefit enrollment are required; unused quarterly amounts do not carry forward.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
ChatGPT Business credit: up to $300 per account per calendar year. Amex enrollment by the Basic Card Member or authorized account manager is required. Eligible purchases must be directly with OpenAI in the U.S. or U.S. territories where OpenAI is merchant of record. Basic and Employee Card purchases share the account limit. Subscriptions auto-renew until cancelled. This is not a free subscription or a ChatGPT Plus or API credit.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Earn 2X on eligible U.S. construction-material/hardware suppliers, electronics retailers/software/cloud providers and shipping providers, or on each eligible purchase of $5,000 or more, up to $2 million combined per calendar year, then 1X. Only the highest eligible rate applies. From February 17, 2027, shipping eligibility is limited to the providers listed in Amex terms. This conditional 2X is excluded from our estimate; general-category spending is estimated at 1X.
Earn 5X on qualifying scheduled flights booked online at AmexTravel.com or in the Amex Travel app, prepaid hotels through Amex Travel (including eligible telephone hotel bookings), and prepaid short-term Airbnb stays booked through Amex Travel with a linked Airbnb account. Direct airline bookings, telephone flight bookings and Airbnb bookings made directly do not qualify for this 5X channel.
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

American Express ZO — Tishman Speyer

ZO access is for the eligible U.S. Basic Business Platinum holder, subject to participating U.S. locations and availability; international locations are excluded. The personal Platinum Card is not included in this benefit’s eligible-card list.

Amex benefit enrollment is not required. Entry requires the eligible card, matching photo ID and a reservation QR code. A ZO Global Access account and reservation are required for Studio and guest passes. ZO staff can assist with a walk-in reservation subject to availability. Clubhouse/Lounge access is complimentary without a fixed visit allotment; Studio is limited to 4 day-pass reservations per month, one location per use.

Up to 4 guest day passes per business week, Monday–Friday: guests must be registered, accompanied by the eligible holder and present matching photo ID and QR code. Unused passes expire at local closing time on Friday and do not carry forward.

The $500 statement-credit maximum is shared by the eligible account per calendar year. Eligible purchases are U.S. ZO/Studio event-space bookings made directly through yourstudio.com or the ZO app, and Dining Club membership purchased directly with its membership representative. Employee-card purchases can qualify for that shared account limit but do not create another credit or access entitlement. Allow up to 8 weeks for credits; refunds, cancellations, merchant processing and account standing can affect eligibility. This is not a $500 credit for everyday restaurant or coworking purchases.

Official Amex benefit terms, checked October 26, 2026

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Rewards: Rate
Scheduled flights booked through Amex Travel online or app: 5x
Prepaid Amex Travel hotels: 5x
Eligible prepaid Airbnb through Amex Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

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Pros

Welcome bonus of up to 300,000 points

Cons

High annual fee ($895)

Unlock Premium Business Travel Benefits with The Business Platinum Card^® from American Express

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership. Welcome offers vary by applicant and you may not be eligible for an offer. The advertised 300,000 points is a maximum, not a guaranteed bonus. Confirm your own offer before accepting the card.

The Business Platinum Card^® from American Express combines travel access and conditional statement credits. Compare the benefits you can actually use with the $895 annual fee. Enrollment, eligible merchants, spending thresholds and monthly, quarterly or semiannual limits affect their value:

Airport lounge access through the American Express Global Lounge Collection, subject to each network’s enrollment, admission, guest and visit rules. Consult the current Amex lounge finder before travel.
Up to $600 in statement credits annually on eligible prepaid Fine Hotels + Resorts, The Hotel Collection or Airbnb Luxe bookings through Amex Travel: up to $300 per half-year, without carryover. The Hotel Collection and Airbnb Luxe require 2 nights; Fine Hotels + Resorts also requires 2 nights from January 1, 2027.
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases, up to $50 per quarter. Hilton For Business and Hilton Honors membership plus Amex enrollment are required.
Up to $219 back annually on CLEAR^® Plus Membership
Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
$250 Adobe credit after spending $600+ per calendar year
Up to $360 back annually for purchases with Indeed
Up to $120 back annually for wireless telephone services

Business Platinum cardholders earn 5X points on qualifying scheduled flights booked online or in the Amex Travel app, prepaid hotels through Amex Travel and prepaid short-term Airbnb stays through Amex Travel with a linked Airbnb account; 2X points on eligible U.S. business categories or individual eligible purchases of at least $5,000, sharing a $2 million calendar-year ceiling, then 1X. Only the highest eligible rate applies. The calculator uses 1X for these purchases because it cannot verify individual transaction amounts, merchant eligibility or prior cap usage; and 1X points on other eligible purchases. Qualified Amex Travel inputs start at $0; do not count the same spending in another category. Credits remain unselected until you choose the benefits you can use.

With a flexible spending limit that adapts based on your purchase, payment and credit history, The Business Platinum Card^® is designed to support your growing business needs.

American Express ZO Membership from Tishman Speyer is available to the U.S. Basic Business Platinum Card Member: complimentary ZO Clubhouse/Lounge access subject to availability, up to 4 guest day passes per Monday–Friday week and 4 Studio desk day passes per month. Up to $500 in statement credits per account per calendar year applies only to eligible U.S. ZO/Studio event-space bookings and/or Dining Club membership. Registration, reservation and entry requirements apply; unused guest passes do not roll over. Employee Cards on a Business Platinum account do not receive their own ZO access or a separate $500 credit.

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Sapphire Reserve for Business℠

BusinessChaseChase Ultimate Rewards

Why consider it: Business card. For business owners combining transferable Chase points with airport lounge access and travel spending.

Trade-off: Check the pay-in-full terms and which lounge benefits extend to employee cardholders. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $795
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $4,400
Welcome offerAfter $30,000 in purchases in the first 6 months from account opening. Offer eligibility requirements apply.: 200,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

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Rewards: Rate
Travel: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $75,000 · 31 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($795)

Elevate Your Business Travel with the Chase Sapphire Reserve for Business℠

200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening
8x points on Chase Travel℠ for airline tickets, hotels including The Edit℠, car rentals, cruises, activities and tours
5x total points on Lyft rides through 9/30/27
4x points on flights & hotels booked direct
3x points on social media & search engine advertising
1x point on all other purchases
Up to $300 in statement credits each anniversary year on travel purchases
Chase Sapphire Lounge® by The Club and Priority Pass™ Select — two guests may accompany the Primary Cardmember free of charge
$795 annual fee

Access more than $7,000 in total business and travel value in your first year: 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.

Terms apply. See issuer for complete details and eligibility.

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American Express Business Gold Card

Business Amex American Express Membership Rewards

Why consider it: Business card. For businesses whose largest eligible spending categories can earn the top-category bonus each billing cycle.

Trade-off: Only qualifying categories count, and bonus earning has an annual cap; personal Gold categories differ. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $375
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,800Total$3,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,800
Welcome offerAfter $15,000 in 3 months: Up to 200,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $375/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Welcome offer: up to 200,000 Membership Rewards points after $15,000 in eligible purchases within the first 3 months. The offer is personalized; a lower amount or no offer may be available. Confirm your own offer before applying.
Pay Over Time variable APR: 17.99%–28.74%, depending on creditworthiness and other factors, as checked October 26, 2026. This rate applies to the eligible Pay Over Time balance; consult the current Rates & Fees for your account.
Earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X on scheduled flights booked online at AmexTravel.com or in the Amex Travel app and on prepaid hotels through Amex Travel (including eligible telephone hotel bookings). Telephone flight bookings, car rentals, cruises and packages do not qualify for this 3X channel. Enter only qualifying spending in the calculator.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
ChatGPT Business: up to $300 per account per calendar year, with Amex enrollment by the Basic Card Member or authorized account manager, for qualifying direct OpenAI purchases in the U.S. and U.S. territories where OpenAI is merchant of record. Squarespace: up to $150 per account per calendar year, with Amex enrollment, directly on Squarespace.com or AcuityScheduling.com under the same U.S./territory merchant-of-record rule. Basic and Employee purchases share each account limit. Subscriptions may auto-renew; cancellation and statement-credit terms apply. Walmart+ is limited to 1 monthly membership up to $12.95 plus applicable taxes per account per month; annual plans, Walmart Business+ and Plus Ups are excluded.
*Terms Apply

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Rewards: Rate
Confirmed top two eligible Business Gold categories: 4x
Scheduled flights booked through Amex Travel online or app: 3x
Prepaid Amex Travel hotels: 3x

Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of up to 200,000 points

Cons

High annual fee ($375)

Unlock Customized Rewards with the American Express Business Gold Card

As high as 200,000 Membership Rewards^® points after $15,000 in eligible purchases within the first 3 months. Offers vary by applicant: a lower offer or no offer may be available. Confirm your personal offer before applying.
4X points in the 2 eligible categories with the highest spending each billing cycle, selected automatically from 6 categories, on up to $150,000 combined per calendar year, then 1X. Eligible categories include U.S. media advertising, U.S. electronics/software/cloud providers, U.S. restaurants, U.S. gas stations, transit and monthly wireless service directly from U.S. providers. From February 17, 2027, advertising and wireless purchases are limited to the merchants listed in Amex terms.
1X point on all other purchases
Up to $20 in monthly statement credits for eligible U.S. purchases at Grubhub, office supply stores and UPS.com shipments: up to $240 per calendar year. Amex enrollment is required; the monthly limit is shared across Basic and Employee Cards and does not roll over.
Up to $12.95 plus applicable taxes monthly for 1 Walmart+ monthly membership per account; annual plans, Walmart Business+ and Plus Ups are excluded. The subscription auto-renews until cancelled.
$375 annual fee

The $375 annual fee is easier to justify when your business already spends in eligible categories and uses the credits. Up to $300 per calendar year for eligible ChatGPT Business purchases directly with OpenAI and up to $150 per calendar year directly with Squarespace.com or AcuityScheduling.com require Amex enrollment. U.S. and U.S.-territory purchases must have OpenAI or Squarespace as merchant of record. Each credit is shared across Basic and Employee Cards; subscriptions may auto-renew. These credits do not make ChatGPT Business, ChatGPT Plus or the API free. The calculator leaves credits unselected and qualified spending at $0 until you enter it; do not enter the same purchase twice.

Terms checked October 26, 2026. Enrollment applies to the credits specified in Amex terms. The 4X categories are selected automatically; this is not a category-activation requirement. The calculator normalizes the annual cap using constant monthly spending and does not infer spending already posted earlier in the calendar year.

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Delta SkyMiles® Reserve Business Card

Business Amex Delta SkyMiles

Why consider it: Business card. For frequent Delta business trips where eligible lounge visits and premium companion travel are useful.

Trade-off: Lounge access has visit, fare, and spending conditions; employee cards do not automatically share every benefit. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,400Total$2,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,400
Welcome offerAfter $20,000 in purchases on your new Card in your first 6 months of Card Membership. Limited-time offer ends November 4, 2026. Offer eligibility requirements apply.: 200,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Interest rates
Purchases: 19.74 %
Foreign transaction fee: 0 %

Issuer terms

Limited-time offer: earn 200,000 Bonus Miles after $20,000 in eligible purchases on the new card in the first 6 months of membership. Offer ends November 4, 2026.
Delta SkyMiles Reserve Members receive 15 Visits each Medallion Year to the Delta Sky Club and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.
Receive a Companion Certificate after each card renewal for an eligible Delta First, Delta Comfort or Delta Main round trip in the domestic, Caribbean or Central American network. Government taxes and fees are $22–$250 for itineraries with up to four segments. Delta Basic is excluded; availability and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
The first checked bag is free on eligible domestic and international Delta flights; the second is also free on eligible domestic Delta flights. The card, reservation and operating-carrier conditions apply. This is not a cash baggage credit.
When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles Reserve Business American Express Card.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x
Office: 1.5x

Benefits
Airport lounges: 15 visits/yr
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $1,250
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($650)

Power Your Business Journeys with the Delta SkyMiles^® Reserve Business American Express^® Card

200,000 bonus miles after $20,000 in eligible purchases in the first 6 months; offer ends November 4, 2026
3X miles on eligible purchases made directly with Delta
1.5X miles on eligible transit, U.S. shipping and U.S. office supply store purchases
15 Delta Sky Club^® lounge visits per Medallion Year when flying Delta, plus four one-time guest passes; eligible fares and lounge rules apply
Up to $250 annual Delta Stays credit for eligible prepaid hotels or vacation rentals booked through Delta Stays on delta.com
Global Entry/TSA PreCheck^® credit of $120 for Global Entry or up to $85 for TSA PreCheck every four years, when the application fee is paid with the card
Priority boarding and the first checked bag free on eligible domestic and international Delta flights; the second bag is also free on eligible domestic Delta flights
$650 annual fee; no foreign transaction fees

This $650-per-year card is most relevant to businesses that regularly fly Delta and can use the specific lounge and travel benefits. After $150,000 in purchases in a calendar year, eligible remaining purchases earn 1.5 miles per dollar for the rest of that year; only the higher accelerator applies when a category qualifies for more. Compare the fee with benefits you will actually use, rather than assuming credits reimburse it automatically.

Source checked October 26, 2026: American Express, Delta SkyMiles Reserve Business Card, https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/ . Enrollment, eligible purchases and individual benefit limits apply. Amounts are in U.S. dollars.

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Ink Business Preferred® Credit Card

BusinessChaseChase Ultimate Rewards

Why consider it: Business card. For business spending on travel, shipping, telecom, and eligible online advertising, with Chase transfer partners.

Trade-off: Bonus categories share a spending cap; purchases outside those categories earn the base rate. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,050
Welcome offerAfter $8,000 in purchases in the first 3 months after account opening. Offer eligibility requirements apply.: 100,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 100,000 bonus points after $8,000 in purchases in the first three months from account opening. At one cent per point, 100,000 points represent $1,000 in cash back.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
The base redemption rate in Chase Travel is one cent per point. The value and availability of Points Boost offers vary by card and booking; check the value displayed for your account.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

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Rewards: Rate
Transit: 3x
Travel: 3x
Telecom: 3x
Shipping: 3x
Search-engine & social-media advertising: 3x

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 100,000 points

Cons

Fewer premium perks

The Chase Ink Business Preferred can suit a business whose spending is concentrated in travel, eligible shipping purchases, search-engine and social-media advertising, and eligible internet, cable and phone services. It earns 3 points per dollar on the first $150,000 in combined eligible category purchases each account anniversary year, then 1 point per dollar. The cap applies to spending, not to 150,000 points: $150,000 of qualifying purchases at 3 points per dollar earns 450,000 points.

The verified public offer is 100,000 points after $8,000 in purchases within the first 3 months of account opening. The annual fee is $95. The spending requirement should be achievable without unnecessary purchases or an interest-bearing balance; a large bonus does not automatically offset borrowing costs.

Chase Travel’s standard redemption rate is 1 cent per point. The value and availability of Points Boost offers vary by card and booking; check the value displayed for your account. Partner transfers are generally 1:1, with an important current exception: World of Hyatt transfers are 4:3 from October 1, 2026. Confirm the price and availability before transferring.

Sources checked October 26, 2026: Chase Ink Business Preferred offer and terms and Chase Points Boost terms. Amounts are in U.S. dollars.

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Capital One Spark Cash Plus

Business Capital One Cash Back

Why consider it: Business card. For businesses with substantial uncategorized spending that can use a flat cash-back rate.

Trade-off: Check the pay-in-full and interest-bearing flexibility terms; evaluate the annual fee using ordinary spending. An eligible business activity is required.

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,000
Welcome offer+ $2,000 per $500,000 spent in year oneAfter $30,000 in 3 months: $2,000

Features
Issuer: Capital One
Network
Program: Cash Back

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Issuer terms

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500,000 spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee. A $150 statement credit is available after at least $150,000 in net purchases by your membership anniversary, credited within two billing cycles after that anniversary. Statement credits do not count as payments.
The card is designed to be paid in full. Capital One also offers the option to carry a portion of the balance with interest. Consult the issuer’s current rates and fees; the calculator excludes interest and financing costs.
For businesses that need large spending capacity and want to maximize cash back

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Pros

Welcome bonus of $2,000
2x on groceries
2x at restaurants

Cons

Fewer premium perks

Capital One Spark Cash Plus: rewards and spending conditions

Unlimited 2% cash back on every purchase, everywhere
5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
$2,000 one‑time bonus after $30,000 in purchases within the first 3 months
Additional $2,000 bonus for every $500,000 spent during your first year—earn multiple bonuses
No preset spending limit adapts to your business’s needs
$150 annual fee, refunded by a statement credit after $150,000 in net purchases by your membership anniversary; allow two billing cycles after that anniversary
No foreign transaction fees
Payment terms: designed to be paid in full, with an option to carry a portion of the balance with interest
Free employee and virtual cards with customizable controls and seamless accounting integration

The $2,000 signup bonus requires $30,000 in purchases in the first three months. The separate $2,000 bonus repeats for every full $500,000 spent in the first year, with no payout cap. These are substantial spending requirements. The $150 annual fee is charged and is refunded only after the issuer’s $150,000 net-purchase condition is met. Compare the rewards with your normal business spending and any interest cost; no preset spending limit does not mean unlimited purchasing power.

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Capital One Venture Business

Business Capital One Capital One Miles

Why consider it: Business card. For business expenses earning transferable Capital One miles with Venture Business’s flat base rate.

Trade-off: The annual fee needs enough business spending or useful transfers; partner award availability is not guaranteed. An eligible business activity is required.

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,850Total$1,850Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,850
Welcome offerAfter $10,000 in purchases within the first 3 months from account opening. Offer eligibility requirements apply.: 100,000 miles

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Purchases: 24.74 %
Foreign transaction fee: 0 %

Issuer terms

Earn 100,000 miles after $10,000 in purchases within three months of account opening.
Earn 2 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Annual fee: $95. No foreign transaction fees. Variable purchase APR: 24.74%.
The bonus may not be available to existing or previous Capital One Business cardholders. Issuer eligibility rules and terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

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Benefits
NEXUS: $120
Annual credit: Included
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $1,500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary, primary for business rentals, primary abroad): 31 days
Price protection: ✓

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Pros

Welcome bonus of 100,000 miles
2x on groceries
2x at restaurants

Cons

Fewer premium perks

The Capital One Venture Business card earns 2 miles per dollar on business purchases for a $95 annual fee. Hotels, vacation rentals and rental cars booked through Capital One Business Travel earn 5 miles per dollar.

The current 100,000-mile offer requires $10,000 in purchases in the first three months. That threshold is best assessed against spending the business already plans to make. Compared with the no-annual-fee VentureOne Business, the higher base earning rate needs to generate enough value to justify the annual cost.

There are no foreign transaction fees. The variable purchase APR of 24.74% can still outweigh the rewards if the business carries an interest-bearing balance. Travel booked directly also does not receive the portal’s 5-mile rate.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

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Complete Guide

Separate business expenses, earn rewards, and access premium perks. Amex Business Platinum, Chase Ink Preferred, Capital One Spark.

A business card can separate eligible business expenses from personal spending. Check business eligibility, guarantees, employee-card fees, and spending caps.

Cards listed

Oct 2026

Last updated

USD

Currency

Our Methodology

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card should I choose from this table?

Start with your spending and eligibility. Read each card’s reason and trade-off, then compare its fees and terms. First position does not guarantee the best fit for your situation.

2How is the order determined?

3Are business cards suitable for everyone?

No. They require eligible business activity and may carry a personal guarantee. A large welcome offer does not make a business card suitable for personal spending.

4Where should I verify offers and benefits?

The table and card details read the site’s catalogue. Also check current issuer terms before applying: welcome offers, required spending, and lounge-access rules can change.

5Does a no-fee card guarantee savings?

No. Interest and other charges can outweigh rewards. Compare the full cost and, when possible, pay your statement balance in full.

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Best Business Credit Cards in the US - October 2026

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American Express ZO — Tishman Speyer

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