Updated on Nov 15, 2017

Best Business Credit Cards for 2017

Streamline your expenses and earn rewards with the right business credit card.
By
Advertiser Disclosure

This page includes analysis of our favorite cards from The Simple Dollar’s advertisers and the marketplace. Visit our advertiser disclosure to learn more.

Businesses large and small make purchases every day, and they often use business credit cards for these expenses. Some of the best business credit cards offer rewards for these professional expenditures be they travel, advertising, or even big-ticket items. Check out our rundown of the year’s best business credit cards to help you decide which card is right for your business and apply online today.

Summary

Best business credit cards for 2017

Best overall

Ink Business Preferred℠ Credit Card
Reward details Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
Redeem for... Travel, cash back, gift cards, and more

Signup bonus 80,000 points
Annual Fee $95
Highlights Provided by Chase Show Highlights
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Issuer: Chase
  • Rewards Details: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
  • Sign Up Bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Annual Fee: $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 21.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

For the business credit card with the best signup bonus, we have to give it to the Ink Business Preferred℠ Credit Card. You’ll earn 80,000 bonus points after spending $5,000 in purchases within the first 3 months. That’s $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®. And if you’re running a business that makes a lot of purchases, it’s a threshold you can reach in no time. Furthermore, the Ink Business Preferred℠ Credit Card also grants 3 points per every dollar spent on combined purchases in categories that include travel and advertising purchases (up to $150,000). There are also no foreign transaction fees, making this a well-rounded business credit card suitable to all kinds of business owners.

How to use it
  • Planning any large purchases? Make them upfront to grab that huge welcome offer. (Of our favorite business cards, this one offers the most generous signup bonus!)
  • Charge your core business expenses to this card.
  • Bring this card when you travel overseas to skip foreign transaction fees.
  • Redeem your points for travel through Chase Ultimate Rewards® to get a 25% bonus.
Consider this

The Ink Business Preferred℠ Credit Card sports a hefty signup bonus that can prove irresistible when you also consider the 3x points earned in eligible categories. However, anyone who does not make business-relevant purchases in those fields or in the realms of airfare or advertising might not be able to take advantage of these generous perks. For a comparable alternative, we recommend The Business Gold Rewards Card from American Express OPEN. This card comes with a signup bonus of 50,000 Membership Rewards® points after spending $5,000 within the first 3 months. While the signup bonus is not as large as that offered by the Ink Business Preferred℠ Credit Card, The Business Gold Rewards Card from American Express OPEN does come with the option of choosing a business category (from a list of 5) where you’ll receive 3x points on purchases (additional 2x points on remaining categories).

Why you'll love it

If the rewards categories fall in line with your business-relevant purchases, then the Ink Business Preferred℠ Credit Card might just be the one for you. Its robust rewards potential alone makes this card a perfect fit for businesses of all sizes. Plus, redeeming points through Chase Ultimate Rewards® means plenty of flexibility — and a 25% points bonus when you redeem for travel. And with 80,000 bonus points when you spend $5,000 in purchases within the first three months, what’s not to love?

Start your application now

Best for small business

Ink Business Cash℠ Credit Card
Reward details 5% cash back on select business expenses and 2% on gas and restaurants
Redeem for... Cash back, gift cards, and travel

Signup bonus $300 cash back
Annual Fee $0
Highlights Provided by Chase Show Highlights
  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
  • Issuer: Chase
  • Rewards Details: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
  • Sign Up Bonus: Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 14.24% - 20.24% Variable
  • Penalty APR: See Terms

Our two cents

Who should get it

For small businesses, the Ink Business Cash℠ Credit Card is one option definitely worth considering. It comes with a modest signup bonus of $300 cash back after spending $3,000 within the first 3 months. Additionally, there’s a nice year-long window of 0% intro APR, allowing for some big-time spending and time enough to pay it all back. Smaller businesses will likely not have to worry about the $25,000 cap on larger rewards, leaving them free to enjoy the 5% and 2% cash back within said threshold. And, if you need further proof, just look at Kiplinger’s Personal Finance (September 2016), which named the Ink Business Cash℠ Credit Card as “A Great Card for Small Businesses.”

How to use it
  • Use this card for all costs that fall into your bonus reward categories.
  • Anticipate big business expenses and take care of them in the first three months. Then collect your $300 cash back bonus.
  • Planning a large purchase? Pay it off during your first 12 months to take advantage of 0% intro APR.
Consider this

It’s always important to take your regular business spending habits into account when opting for a business credit card. If you think those purchasing habits will ensure you make the most of the Ink Business Cash℠ Credit Card, then this is the card for you. Some larger businesses often find themselves reaching the Ink Business Cash℠ Credit Card’s rewards cap and might benefit from something with more room to grow. The Business Gold Rewards Card from American Express OPEN offers the holder the opportunity to pick a 3x points category from a list of five options and the rewards cap is higher (up to $100,000 in the 3x and 2x categories).

Why you'll love it

For any small businesses, the Ink Business Cash℠ Credit Card is an attractive option. It’s a substantial, no frills, low maintenance solution with high-rate rewards and no annual fee.

Start your application now

Best hotel card for business owners

Starwood Preferred Guest® Business Credit Card from American Express
See Rates & Fees
Reward details 2x points for purchases at SPG® Marriott Rewards® hotels; Earn 1 Starpoint® for all other purchases.
Redeem for... Stays at 1,300+ hotels and resorts; flights with 150+ airlines

Signup bonus Earn 25,000 bonus Starpoints®
Annual Fee $95 (Waived first year)
Highlights Provided by American Express Show Highlights
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
  • Issuer: American Express
  • Sign Up Bonus: Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months. Terms Apply.
  • Annual Fee: $0 for the first year, then $95 See Details
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.24% - 20.24% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

For business owners who like to travel and sleep in comfort, there’s the Starwood Preferred Guest® Business Credit Card from American Express. Cardholders can earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months. Furthermore, business owners who make eligible purchases with this card at SPG® Marriott Rewards® hotels can also earn back 2 Starpoints® per dollar spent and 1 Starpoint® for all other purchases. Business travelers will also be happy to know that, along with the earning potential, there are no foreign transaction fees. However, there is a pretty standard $95 annual fee that comes with the Starwood Preferred Guest® Business Credit Card from American Express, but it’s also waived for the first year.

How to use it
  • Book with at participating SPG® Marriott Rewards® hotels to earn 2X Starpoints®. Earn 1 Starpoint® for all other purchases.
  • Redeem points for airfare via SPG Flights.
  • Take advantage of travel perks like free Boingo Wi-Fi at airports and in-room internet access.
  • Bring this card when traveling abroad to avoid foreign transaction fees.
  • Spend $5,000 in your first 3 months to earn the 25,000 bonus Starpoints®.
Consider this

If you’re looking for a card that lets you redeem points for cash back, then the Starwood Preferred Guest® Business Credit Card from American Express might not be for you. Another thing that might be a deal breaker is that points on redemption rates for airfare will vary depending on the airline you book with. A comparable card would be the Ink Business Cash℠ Credit Card. As a more straightforward alternative, this card sports a 1:1 points transfer rate with Chase airline partners. Furthermore, you can redeem points for cash back along with travel and other options through Chase Ultimate Rewards®.

Why you'll love it

There isn’t much that can compare with the affordability and flexibility of the Starwood Preferred Guest® Business Credit Card from American Express, especially if your business involves a lot of travel. Valuable cardmember perks like baggage insurance help take some of the hassle out of business travel. You can also use this card to earn your way toward free nights at high-end hotels – even overseas. With over 1,300 hotels and resorts in over 100 countries, you’ll have no shortage of options when it’s time to redeem your points.

Start your application now

Choose your own rewards category

The Business Gold Rewards Card from American Express OPEN
See Rates & Fees
Reward details 3x and 2x points on select categories; 1x points on everything else (Terms apply)
Redeem for... Travel, merchandise, entertainment, gift cards

Signup bonus 50,000 points
Annual Fee $175 (Waived first year)
Highlights Provided by American Express Show Highlights
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Sign Up Bonus: Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Annual Fee: $0 for the first year, then $175 See Details
  • Balance Transfer Fee: N/A*
  • Cash Advance APR: N/A
  • Foreign Transaction Fee: None
  • Introductory APR: See Details
  • Introductory Balance Transfer APR: N/A*
  • Introductory Balance Transfer Period: N/A*
  • Ongoing APR: N/A
  • Penalty APR: N/A

Our two cents

Who should get it

The Business Gold Rewards Card from American Express OPEN is most ideal for business owners who do a lot of spending and, most importantly, want the power to choose their own rewards categories. This card’s hefty signup bonus comes with 50,000 Membership Rewards® points after spending $5,000 within the first 3 months. Cardholders can also select the rewards categories that fall in line with their professional spending in order to earn 3x points in one category and 2X points in the remaining four categories. When used properly, it’s easy to earn points and rewards with The Business Gold Rewards Card from American Express OPEN without having to adjust your everyday business purchases. One important thing to keep in mind, however, is that this is a charge card. That means that you must pay off your statement in full every month.

How to use it
  • Spend $5,000 in the first 3 months to claim your big signup bonus.
  • Choose your rewards categories wisely. Then spend as much as you can (up to the $100,000 limit) on your 3x and 2x points categories to collect rewards on types of purchases you make most.
  • Take advantage of cardmember perks like Purchase Protection, Extended Warranty, and Premium Roadside Assistance. (Terms apply; see Offer Terms for details.)
Consider this

The Business Gold Rewards Card from American Express OPEN is a charge card. This means that you’ll have to pay off your statement every month; something to consider along with the no pre-set spending limit. This card also comes with an annual fee of $175. While the annual fee is waived for the first year, you’ll need to factor in that expenditure when you’re paying your bills. In fact, if your business costs are not high enough to warrant these expenses, you might benefit from a card geared more toward smaller businesses like the Ink Business Cash℠ Credit Card. You’ll get higher-rate rewards including 5% on up to $25,000 per year on internet, cable, and phone services as well as participating office supply stores. Also, there’s no annual fee.

Why you'll love it

If you run a large business, The Business Gold Rewards Card from American Express OPEN is a strong choice. It offers high-rate rewards on big-ticket purchases like travel expenses, hardware, and software. We’re talking 3x points on purchases in a variety of categories and a generous signup bonus to boot. Furthermore, you can actually choose which types of purchases will yield the greatest rewards. The ability to choose your own 3X points category will help you maximize rewards potential on the types of purchases you make most.

Start your application now

Best for big businesses

The Business Platinum® Card from American Express OPEN
See Rates & Fees
Reward details 1.5x points on qualifying purchases of $5,000 or more; You can get up to 1 million additional points per year (Terms apply)
Redeem for... Flights; hotel and resort stays; rewards from many of your favorite brands, restaurants, and retailers at membershiprewards.com

Signup bonus 50,000 points
Annual Fee $450
Highlights Provided by American Express Show Highlights
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • 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.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
  • See Rates & Fees
  • Issuer: American Express
  • Sign Up Bonus: Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Annual Fee: $450 See Details
  • Balance Transfer Fee: N/A
  • Cash Advance APR: N/A
  • Foreign Transaction Fee: N/A
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: N/A
  • Penalty APR: N/A

Our two cents

Who should get it

Larger businesses tend to have significantly larger expenditures, which is where The Business Platinum® Card from American Express OPEN could really make a difference. Within the first 3 months of owning this card, big spenders can earn 50,000 Membership Rewards® points by spending $10,000 on qualifying purchases. An additional $10,000 spent within that window earns cardholders an extra 25,000 points. If your business is large enough to take advantage of this signup bonus, then the annual fee of $450 shouldn’t be that much of a deal breaker. Not when the rewards potential of The Business Platinum® Card from American Express OPEN is so high.

How to use it
  • Use this card for purchases over $5,000 to earn 1.5X points.
  • Book all your business trips through the American Express Travel site and pay with points to get 35% points back. (Terms apply.)
  • Take advantage of valuable travel perks including car rental upgrades, airline fee credits, complimentary Wi-Fi, American Express Global Lounge Collection access, and more.
Consider this

The Business Platinum® Card from American Express OPEN is great for the business that typically spends in excess of $5,000, especially on big-ticket items. Smaller businesses, however, might not be able to make the most of this and the steep annual fee of $450 can be a real deal breaker. For small businesses and freelancers, The Business Gold Rewards Card from American Express OPEN might be a better fit. The annual fee is smaller ($175, waived the first year) and it grants you the ability to choose your top-earning rewards categories so you can earn the most back on purchases relevant to your business.

Why you'll love it

The Business Platinum® Card from American Express OPEN features incredible rewards potential if you’re in the business of traveling and purchasing big-ticket items. You can use this card to maximize your rewards in these categories and never have to worry about traveling in style.

Start your application now

Best for low maintenance rewards

SimplyCash® Plus Business Credit Card from American Express
See Rates & Fees
Reward details 5% cash back on wireless phone service and 3% on the category of your choice. This applies to the first $50,000 in purchases per calendar year, then 1% applies thereafter. (Terms apply)
Redeem for... Statement credit

Signup bonus Up to $400 cash back
Annual Fee $0
Highlights Provided by American Express Show Highlights
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Annual Fee: $0 See Details
  • Cash Advance APR: See Rates & Fees
  • Foreign Transaction Fee: 2.7%
  • Introductory APR: 0%
  • Introductory APR Period: 9 months
  • Introductory Balance Transfer APR: See Rates & Fees
  • Introductory Balance Transfer Period: See Rates & Fees
  • Ongoing APR: 13.24% - 20.24% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

We can’t recommend the SimplyCash® Plus Business Credit Card from American Express enough to freelancers and smaller businesses. This low-maintenance, no-frills business credit card comes with a simple and flexible rewards program that anyone can appreciate. Not only can you earn 3% cash back on relevant business expenses, you can actually choose the rewards categories that align with your professional expenditures. These spending categories can include filling up at a U.S. gas station or paying for airfare. The SimplyCash® Plus Business Credit Card from American Express also comes with a signup bonus of up to $400 cash back when you spend $15,000 on qualifying purchases.

How to use it
  • Spend $15,000 on qualifying purchases to cash in on the $400 signup bonus.
  • Pay for your all your company’s internet and wireless phone services with this card.
  • Analyze upcoming expenses and choose your rewards category carefully. You can earn 3% cash back in the spending category that best fits your business plan: U.S. gas stations, U.S. shipping, airfare, U.S. software, and more.
Consider this

Consider your yearly expenses when looking into the SimplyCash® Plus Business Credit Card from American Express. The ability to earn 5% and 3% cash back on select categories can be a boon, but it only applies to the first $50,000 in purchases per calendar year with a 1% rate thereafter. If you find that your business spending regularly exceeds this cap (to the point of even being double), then you might not get the most out of this card’s rewards program. In that case, you could turn your attention to the Ink Business Preferred℠ Credit Card. This card lets you earn 3x points on select categories and the cap is much higher at $150,000 each account anniversary year.

Why you'll love it

Few business cards offer rewards this generous without an annual fee. SimplyCash® Plus Business Credit Card from American Express is a great cash back card for small businesses looking for low-maintenance rewards.

Start your application now

Best no-fee travel card

Discover it® Miles
Reward details Unlimited 1.5x miles on every purchase
Redeem for... Statement credits towards travel purchases

Signup bonus First year mile-for-mile match
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
  • Issuer: Discover
  • Rewards Details: 1.5 Miles per dollar on all purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 10.99%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

While the Discover it® Miles card is not technically a business credit card, it can be a tremendous boon for those freelancers and digital nomads who travel for a living. There are no annual fees with this card and business travelers can appreciate the freedom that comes with no foreign transaction fees, as well. This card also rewards spending in categories that fall within the realm of travel. This means that you could earn 1.5x miles for every dollar you spend on gas, car rentals, and more. Miles that can be redeemed for eligible travel purchases including airfare. Whether you’re representing a large business overseas or a freelancer traveling the world, the Discover it® Miles card makes a wonderful addition to any business owner’s wallet.

How to use it
  • Buy everything with this card (unless you have a specific airline or hotel card that offers more than 1.5x miles). The more you spend in the first year, the more you’ll get with your first year rewards match.
  • Traveling overseas? Bring this card! Rest assured that you won’t be charged a foreign transaction fee.
  • Book travel through your favorite discount travel site or during a sale, then reimburse yourself with a travel statement credit.
Consider this

Understanding the limits of the Discover it® Miles card when it comes to rewards and miles redemption benefits is an important factor to take into consideration. One thing to point out is that you cannot transfer your miles into travel loyalty programs. That right there is often enough of a deal breaker for those who would prefer a specific airline or would want to combine rewards redemption with airline sales. Another thing to factor into the equation is that the Discover it® Miles card does not let you receive your bonus miles for its hefty rewards match until the end of the first year. For those who want more flexibility, we recommend the Ink Business Preferred℠ Credit Card. This card grants a 1:1 points transfer rate to Chase airline partners in addition to a signup bonus worth $1,000 in travel (through Chase Ultimate Rewards®).

Why you'll love it

The Discover it® Miles makes earning free travel effortless. There’s no need to track spending in select categories; simply use the card for every purchase you make, and watch the rewards stack up. Automatic mile-for-mile match at the end of your first year makes this $0-annual-fee card an even sweeter deal for business and leisure travelers alike.

Start your application now

Best for everyday purchases

Barclaycard Arrival Plus® World Elite Mastercard®
Reward details 2x miles on all purchases
Redeem for... Travel statement credit; gift cards; merchandise

Signup bonus 40,000 miles
Annual Fee $89 - Waived first year
Highlights Provided by Barclaycard Show Highlights
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.
  • Issuer: Barclaycard
  • Rewards Details: Earn 2X miles on all purchases
  • Annual Fee: $89 - Waived first year
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 0% of each transaction in U.S. dollars
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months (on balance transfers made within 45 days of account opening)
  • Ongoing APR: 16.99%, 20.99% or 23.99% Variable

Our two cents

Who should get it

Whether you’re a large business or a more intimate operation, there’s no denying the value of a card that rewards everyday purchases. That’s why the Barclaycard Arrival Plus® World Elite Mastercard® makes our list and is one we can easily recommend to any business of any size. With its signup bonus, business owners can earn 40,000 bonus miles just by spending $3,000 in card purchases within the first 90 days. Every purchase made with this card will also grant 2x miles. These miles can then be put toward free hotel stays and airfare. There are no foreign transaction fees with the Barclaycard Arrival Plus® World Elite Mastercard® either, making it the perfect travel companion for the jet-setting business traveler.

How to use it
  • Spend big bucks upfront to claim your signup bonus.
  • Book all your hotels and flights with this card (for both work-related and personal trips).
  • Shop overseas with no foreign transaction fees.
  • Save up your miles and redeem them in large amounts. The more miles you redeem at once, the more bonus miles you’ll get back.
Consider this

Since there’s no annual fee for the first year, you can explore everything the Barclaycard Arrival Plus® World Elite Mastercard® has to offer with minimal upfront cost. Keep in mind that you’ll get the greatest value for your points if you redeem them through the RewardsBoost online shopping portal. Additionally, while it’s hard to beat double miles on every purchase, you could be missing out on bonus rewards points if the bulk of your business expenses fit into certain popular categories. If you don’t mind tracking spending categories, consider the SimplyCash® Plus Business Credit Card from American Express.

Why you'll love it

Even with a modest annual fee of $89 (waived the first year), there’s still a lot to love about the Barclaycard Arrival Plus® World Elite Mastercard®. The sizable signup bonus coupled with the 2x points on every purchase are compelling features. Combine those with the ease and flexibility of booking travel with this card, and it’s easy to see why the Barclaycard Arrival Plus® World Elite Mastercard® is the traveling businessman’s best friend.

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Best business credit cards for 2017: summed up

What is the best small business credit card?

The best small business credit card is the one that meets your professional financial goals. For instance, are you a small business owner? Then you might consider the Ink Business Cash℠ Credit Card. On the other hand, big businesses may consider The Business Platinum® Card from American Express OPEN. If you travel a lot, you may want a no-fee travel card, like the Discover it® Miles. Take a moment to think about your professional goals for the next few years and compare the best business credit cards on our list to find the right one for you.

Can I apply for a business credit card?

The requirements for each card may vary, but in general, if you’re a business owner — large or small — then you qualify to apply for a business credit card. If you’re a small business owner, they may look into your credit profile and you may be asked to share your personal income information as well. Be honest on your application, though, because if you’re caught in a lie, you may be subject to a financial review.

Who are small business credit cards good for?

Generally, business credit cards are dynamic enough to appeal to businesses of all sizes. However, small business credit cards are usually best suited for the following categories:

  • Self-employed individuals who travel frequently for work and want to rack up rewards
  • Freelancers who need help managing their cash flow
  • Consultants who may travel or entertain clients
  • Small business owners or freelancers who experience irregular cash flow throughout the month
  • Doctors or dentists who are part of their own practice
  • Financial advisors
  • Salespeople who travel for work and want to maximize travel-related rewards
  • Business owners who spend heavily on office supplies and equipment

People who fall in these categories all have certain expenses that can be separated and classified as “business” expenses. These type of expenses can include things like meals, required travel, advertising, business development, entertainment and office space.

There are also times when an employee might work away from the office and cover their own expenses (gas, meals, parking, etc.). In these situations, the company will usually reimburse these business-relevant purchases while helping to separate these from their personal expenses.

Here are some other ways almost anyone could benefit from having a business credit card:

Do business credit cards affect your personal credit score?

The short answer: Maybe. Signing up for one of the best business credit cards is a great way to separate personal and business finances; however, it depends on the card whether or not it will affect your personal credit score. Almost all business credit cards require personal guarantees, but, some will only report activity to commercial credit bureaus, not consumer credit bureaus that handle your personal credit score. You may need to call your card’s customer service representative to find out which bureaus they report to.

How can I check my business credit?

Similar to how you check your personal credit report, you can request a business credit report from the three major commercial credit bureaus — Dun & Bradstreet, Equifax and Experian. A fourth credit bureau, FICO® Small Business Scoring Service (SBSS), specializes in small businesses. With your business credit report, you’ll be able to easily check and monitor your business credit score, background information, risk factors, banking, trade and collection history, liens and bankruptcies, and more. Unlike your personal credit report, you may be charged a fee to access your business credit report.

As mentioned above, some credit card companies will report your business credit card information to the consumer credit bureaus as well, meaning it’s still important to check your personal credit report once a year (or more often) as a small business owner. With both reports, you’ll want to check for any discrepancies and, if found, take steps to dispute them.

How to use a business credit card to manage cash flow

Managing cash flow is crucial to the longevity of your business, big or small. Whether you sit at the head of a large corporation or freelance, it pays to keep track of your cash flow. A business credit card can help, and we’ve put together a handy list of real-life examples that illustrate the impact the right business credit card can have.

Real life example #1

Sometimes a self-employed freelancer will find themselves in that awkward interval waiting to receive payments from various clients. During this period, everyday expenses on office supplies, internet service, and more can pile up. Normally, this freelancer might be out of luck until those payments arrive. However, with a business credit card, those necessary business purchases could be charged temporarily and then paid off once client payments trickle in.

Real life example #2

An owner of a small business (10-12 employees) wraps up a huge project for a client, but payment is forthcoming. Payroll sends an email saying that there are not enough funds in the current budget to maintain business operations and pay the employees. With a business card, all the day-to-day business expenses could be temporarily charged, while freeing up funds to pay the employees on time. And after the client’s payment is received, the company owner could pay off the balance before it accrues interest.

Real life example #3

The CEO of a large business has determined that a purchase of $50,000 worth of equipment is necessary. However, he wants to be able to pay this off over several months without taking out a large loan. In lieu of a loan, the business could utilize a high-limit business credit card. Many cards offer 0% intro APR on purchases, which would function like an interest-free loan if paid in full before the end of the intro period. Plus, the business could earn cash back through the card’s rewards program!

The bottom line

As a business owner, you could be making a sound investment by choosing one of the best business credit cards on our list. The rewards you could earn on business-related charges can more than make up for any annual fee. Additionally, having a business credit card helps you to draw a line between personal and professional when it comes to expenses and tax returns. If one of these cards sounds right for your business, apply online today to start earning valuable rewards!

Research the 25 best business credit cards

We’ve put together an objective comparison of business credit cards to help you find the right one. This analysis includes annual fees, foreign transaction fees, rewards, signup bonuses, perks, and other characteristics you might find of interest.

Take a moment to sort, filter, or search for what matters most to you in a business credit card.

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Great Signup Bonus
Great Ongoing Rewards
Great Perks
No Annual Fee
No Foreign Transaction Fee
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Credit Card
Annual Fee
Perks Tier Level
Sign up Bonus Tier Level
Rewards Tier Level
Apply Online
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Apply Online
$0
None
Average
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Excellent
* (?)
$0 intro for first year; $95 after that
None
Average
* (?)
Excellent
* (?)
$0 intro for first year; $95 after that
None
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* (?)
$0 for the first year, then $175 See Details
None
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Average
* (?)
$0
None
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* (?)
$0 for the first year, then $95 See Details
None
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$0 for the first year, then $95 See Details
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$75
Poor
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