Best Business Credit Cards in the US

All Travel Business Hotel Airline No Annual Fee Premium Cash Back

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Ink Business Premier® Credit Card

BusinessChaseCash Back

Annual fee: $195
Our valuation: $1,000
Welcome offer: $1,000

Features
Issuer: Chase
Network
Program: Cash Back

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

Interest rates
Foreign transaction fee: 3 %

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

Annual fee: $0
Our valuation: $750
Welcome offer: $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 & more through Chase Ultimate Rewards®.
Employee cards at no additional cost (set spending limits).
Round-the-clock monitoring for unusual credit card purchases.
Zero Liability protection for unauthorized charges.
0% Intro APR for 12 months on purchases.
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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The Business Platinum Card® from American Express

Business Amex American Express Membership Rewards

Annual fee: $895
Our valuation: $6,000
Welcome offer: 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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
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.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
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 $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

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Rewards: Rate
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 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!

The Business Platinum Card® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:

Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection®
Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
Up to $209 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

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American Express Business Gold Card

Business Amex American Express Membership Rewards

Annual fee: $375
Our valuation: $4,000
Welcome offer: 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: Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
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 Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. 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.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

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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 200,000 points

Cons

High annual fee ($375)

Unlock Customized Rewards with the American Express Business Gold Card

100,000 Membership Rewards® points after $15,000 in purchases within the first 3 months
4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
1X point on all other purchases
$20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
$12.95 monthly credit for Walmart+ membership (enrollment required)
$375 annual fee

Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.

Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.

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Hilton Honors Business Card

Business Amex Hilton Honors

Annual fee: $195
Our valuation: $700
Welcome offer: 175,000 points

Features
Issuer: Amex
Network
Program: Hilton Honors

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

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
You may receive an upgrade to Hilton Honors Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

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Rewards: Rate
Hilton hotels: 12x

Benefits
Annual credit: $240/yr

Travel insurance: Coverage
Lost Baggage: $1,250

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

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Pros

Welcome bonus of 175,000 points
5x on groceries
5x at restaurants

Cons

High annual fee ($195)

Maximize Your Stays & Savings with the Hilton Honors American Express Business Card

175,000 bonus points + a Free Night Reward after $8,000 in purchases within the first 6 months
12X points per $1 on Hilton stays
6X points per $1 on select business categories (U.S. restaurants, transit, shipping, cloud services)
3X points per $1 on all other purchases
$0 intro annual fee for the first year, then $95
Up to $200 annual statement credit ($50 per quarter) on eligible Hilton purchases
Complimentary Hilton Honors Silver status and a fast track to Gold
No foreign transaction fees

Whether you’re booking client travel or rewarding your team, this card turbocharges your Hilton Honors earnings on both hotel stays and everyday business expenses. Redeem points for free nights, room upgrades or statement credits, and enjoy built‑in reporting tools that simplify expense tracking. With automatic elite status and quarterly statement credits to offset the fee, you’ll balance growth and savings seamlessly.

Terms apply. Bonus points and statement credits require qualifying purchases. See issuer for complete details.

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Capital One Venture X Business

Business Capital One Capital One Miles

Annual fee: $395
Our valuation: $2,775
Welcome offer: 150,000 points

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

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month

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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 150,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Business Travel with the Capital One Venture X Business Card

150,000 bonus miles after $30,000 in purchases within 3 months
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights and vacation rentals booked through Capital One Travel
2X miles on all other purchases, everywhere
$300 annual travel credit for bookings through Capital One Travel
$120 statement credit for TSA PreCheck® or Global Entry® application fee
Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
$100 experience credit on Premier Collection hotel and vacation rental bookings
No foreign transaction fees
$395 annual fee
Charge card: pay your balance in full each month

This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.

Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.

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IHG® One Rewards Premier Business Credit Card

BusinessChaseIHG Rewards

Annual fee: $99
Our valuation: $770
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer: Earn up to 200,000 Bonus Points. Earn 140,000 points after spending $4,000 on purchases in the first 3 months from account opening, and earn an additional 60,000 points after spending a total of $9,000 in the first 6 months as a cardholder.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Business Credit Card

Welcome Offer: Earn up to 200,000 Bonus Points with the IHG One Rewards Premier Business Credit Card after meeting spending requirements.

The IHG One Rewards Premier Business Credit Card delivers exceptional value for business owners. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Business Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck®/NEXUS credit up to $120 every 4 years

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Capital One Venture Business

Business Capital One Capital One Miles

Annual fee: $95
Our valuation: $1,850
Welcome offer: 100,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

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

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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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Ink Business Preferred® Credit Card

BusinessChaseChase Ultimate Rewards

Annual fee: $95
Our valuation: $1,845
Welcome offer: 90,000 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 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening (worth $900 cash back or $1,125 toward travel through Chase TravelSM).
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases.
Round-the-clock monitoring for unusual credit card purchases.
Zero Liability protection for unauthorized charges.
Redeem points for cash back, gift cards, travel and more—points don't expire while account open.
Points worth more when redeemed for travel through Chase TravelSM.
Purchase Protection: 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

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Rewards: Rate
Travel: 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 90,000 points

Cons

Fewer premium perks

Maximize Business Travel Rewards with the Chase Ink Business Preferred® Credit Card

90,000 bonus points after spending $8,000 in the first 3 months
3X points per $1 on the first $150,000 spent on travel and select business categories annually
1X point per $1 on all other purchases
1:1 transfers to leading airline and hotel loyalty programs
Primary rental car coverage and trip cancellation/interruption protection
$95 annual fee
No foreign transaction fees

Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them for 1.25¢ each toward travel booked through Chase Travel℠, or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.

Terms apply. Bonus points require $8,000 spend in 3 months. Rewards cap at 150,000 bonus-category points per anniversary year. See issuer for full details.

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Hawaiian Airlines® World Elite Business Mastercard®

BusinessBarclaysAtmos Rewards

Annual fee: $99
Our valuation: $1,240
Welcome offer: 80,000 points

Features
Issuer: Barclays
Network
Program: Atmos Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Read full review

Rewards: Rate
Alaska and Hawaiian flights: 3x
Gas & EV: 2x
Restaurants: 2x
Office: 2x

Read full review

Complete Guide

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

Business cards help separate expenses, simplify bookkeeping, and earn rewards on business spending. They typically don't appear on personal credit reports.

Top Picks

Amex Business Platinum ($695/yr) for premium perks and high-spending businesses. Chase Ink Business Preferred ($95/yr) for 3x on travel, shipping, internet, and advertising up to $150K/yr. Capital One Spark Cash Plus (2% flat on everything, no limit).

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Do I need an LLC for a business card?

No. Sole proprietors, freelancers, and side-hustlers can apply with their SSN. Any legitimate business income qualifies.

2Best no-fee business card?

Chase Ink Business Cash: 5% on office supplies and internet/phone, 2% on gas and dining. Chase Ink Business Unlimited: 1.5% on everything. Both have no annual fee.

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