Editor’s note: This is a recurring post with regularly verified card details. Last verified on July 20, 2020.
As a business owner, you can cover your business expenses with credit cards that earn top rewards in the spending categories where your company spends the most each month like office supplies or advertising. You can redeem rewards for cash back, travel, and other benefits that will save your business money now and in the future.
The best credit cards for business expenses are:
- Chase Ink Business CashSM: Best overall for office supply, internet, cable, and phone expenses
- Chase Ink Business Preferred®: Best for shipping and social media advertising
- American Express Business Platinum Card®: Best for travel expenses
- U.S. Bank Business Platinum Card: Best for debt consolidation
- Bank of America® Business Advantage Cash Rewards Mastercard®: Best for gas, computer, and consulting expenses
- Capital One® Spark® Cash for Business: Best for earning fixed-rate cash back on irregular spending
- American Express Blue Business® Plus: Best for earning fixed-rate points on shifting expenses
For details on how we evaluated business credit cards for this list, see our methodology.
Chase Ink Business CashSM: Overall Best Credit Card for Business Expenses
Ink Business Cash℠ Credit Card
Best For: Office-based businesses that want top cash back rewards
|Intro APR ?0% APR for 12 months on purchases||Regular APR||Annual Fee||Credit Needed|
|0% Intro APR on Purchases||13.24% - 19.24% Variable||$0||Good - Excellent|
Why we like it: With Chase Ink Business Cash℠, you get more bang for your buck whenever you spend on common business expenses, including at office supply stores. Listed consistently as one of the best business credit cards, this card earns top cash back rewards on cable, internet, and phone expenses. Plus, with a lengthy 0% annual percentage rate (APR) period and a robust introductory bonus offer, it’s a worthwhile card for any business.
In addition to the 5% rewards category, this card earns 2% cash back on gas station and restaurant spending. However, this card’s reward categories cap at $25,000 in annual spending. If you spend more than $25,000 each year, you will only earn 1% cash back on those purchases. Even with the category cap, this card still offers the best rewards on our list.
What’s more, this card’s additional perks are just one of the many benefits of owning a business card vs a personal card. For example, you’ll have access to free employee cards, car rental insurance, and extended warranty on purchases. Even better, you get these rewards and the benefits without an annual fee.
Chase Ink Business Preferred®: Best for Shipping & Social Media Advertising
Ink Business Preferred® Credit Card
Best For: Maximizing travel rewards at a lower annual fee
|Intro APR||Regular APR||Annual Fee||Credit Needed|
|N/A||15.99% to 20.99% Variable||$95||Good to Excellent|
Why we like it: However you run your business, there’s a good chance that it involves advertising. In that case, Chase Ink Business Preferred® is a great card to have in your wallet. This card is one of only a few business credit cards that pays high rewards on social media advertising and shipping expenses. Plus, it earns top rewards on travel expenses and internet, cable, and phone services―that’s multiple opportunities to maximize rewards.
Because this card earns top-tier rewards (3x points per $1 spent) on spending up to $150,000 each year, it’s great for big spenders and companies with larger budgets. In addition, you can earn one of the largest sign-up bonuses available after meeting initial spending requirements.
💡 Tip: There are multiple ways to redeem rewards, but you’ll get the most value with this card when you redeem points for travel. Cardholders who redeem their rewards for travel get an additional 25% more value for their points than when redeemed with any other option.
American Express Business Platinum Card®: Best for Travel Expenses
The Business Platinum Card® from American Express
Best For: Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
|Intro APR||Regular APR||Annual Fee||Credit Needed|
Why we like it: When it comes to travel expenses, the American Express Business Platinum Card® is hard to beat. This card offers more than just excellent ongoing rewards to help offset those expenses, however. It also comes loaded with benefits that make frequent travel convenient and comfortable. You’ll get a generous introductory bonus offer, a $200 travel credit, access to more than 1,200 airport lounges worldwide, and an extra 35% back when you redeem your points for flights through American Express Travel.
Spanning 130 countries worldwide, this card’s airport lounge access is the best among any travel card. You’ll have unlimited free access to American Express’s own The Centurion® Lounge collection as well as Delta Sky Club and Priority Pass. Plus, you’ll be reimbursed for expedited airport security screening membership fees, including Global Entry or TSA Precheck.
This card is a business charge card, so you’ll be required to pay off the balance each billing cycle. While it comes with no preset spending limit and top-tier rewards, it charges the highest annual fee on our list. Be sure to consider the value of its benefits and potential rewards before applying for this card.
U.S. Bank Business Platinum Card: Best for Debt Consolidation
U.S. Bank Business Platinum Card
Best For: Extended 0% APR period on purchases and balance transfers
|Intro APR ?0% APR for 20 billing cycles on purchases and balance transfers||Regular APR||Annual Fee||Credit Needed|
|0%*||9.99% - 17.99% Variable||$0||Excellent|
Why we like it: While some cards are built for earning high rewards and bonuses, the U.S. Bank Business Platinum Card is designed for business owners who prefer low-cost financing. This card’s extraordinarily long, 20-billing cycle 0% introductory APR on purchases and balance transfers makes it ideal for paying off business debt quickly. Plus, after the no-interest period ends, you’ll have access to one of the lowest ongoing APRs available.
Although you’ll get the longest interest-free financing periods on the market, you will have to pay a balance transfer fee of $5 or 3% of the transaction, whichever is greater. However, this fee is relatively low when compared to cards that have balance transfer fees as high as 5%.
💡 Tip: You should only use the U.S. Bank Business Platinum Card to consolidate high-interest debts as this card does not offer any introductory or ongoing rewards.
Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Gas, Computer, & Consulting Expenses
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Best For: Up to 3% cash back in a spending category of your choice
|Intro APR ?0% APR for nine billing cycles on purchases||Regular APR||Annual Fee||Credit Needed|
9 billing cycles
|12.24% - 22.24% Variable APR on purchases||$0.00||Excellent|
Why we like it: Businesses that spend a good amount of money on gas will appreciate the 3% cash back rewards this Bank of America card earns. However, if your business doesn’t involve much driving, you can earn 3% cash back in another spending category of your choice, including office supply stores or travel.
In addition to its top rewards category, you can continue to maximize your earnings with the 2% cash back you’ll get on dining expenses. Even better, you’ll earn all these rewards on a card that comes with a 0% APR introductory offer and no annual fee.
Owners enrolled in Bank of America’s Preferred Rewards for Business can also get up to 75% added to the rewards rates. However, you’ll need an established banking relationship and at least $100,000 in combined deposit balances to earn the highest bonus rate.
Capital One® Spark® Cash for Business: Best for Earning Cash Back on Irregular Spending
Capital One® Spark® Cash for Business
Best For: Earning unlimited 2% cash back
|Intro APR||Regular APR||Annual Fee||Credit Needed|
|N/A||20.99% (Variable)||$0 intro for first year; $95 after that||Excellent, Good|
Why we like it: If your business has a variety of expenses, it’s better to use a business card that earns unlimited fixed-rate rewards on all purchases, like Capital One® Spark® Cash for Business. This card lets earn consistent rewards—2% cash back—without the need for tracking spending categories. It also comes with a cash-based introductory offer that can function as a discount on future business expenses.
Plus, this is the only card listed that has no cap on its rewards. So, you can earn its best rate up to any amount without being penalized with a lower rewards rate on larger balances. It’s easy to maximize your rewards with this card when you couple the savings you get from the first year’s annual fee waiver with the welcome offer.
American Express Blue Business® Plus: Best for Earning Points on Shifting Expenses
The Blue Business® Plus Credit Card from American Express
Best For: Pocketing 2x points per $1 and 0% introductory APR for 12 months
|Intro APR ?0% introductory APR for 12 months on purchases||Regular APR||Annual Fee||Credit Needed|
|0% on purchases||13.24% - 19.24% Variable||No annual fee||Good, Excellent|
Why we like it: American Express Blue Business® Plus is a good fit for business owners who have less than $50,000 in expenses each year and prefer points-based rewards. You’ll find this card most valuable if your business’s expenses range across multiple spending categories as you’ll earn the same rewards rate on all purchases. Plus, cardholders have access to a generous 0% APR introductory period without an annual fee.
For even more flexibility, this card offers the ability to spend above your credit limit, which is a feature unique to this card. This also allows you to earn rewards on the amount you spend above your credit limit. However, even with this feature, your spending limit isn’t unlimited, and how much you can spend is determined by American Express.
How We Evaluated the Best Credit Card for Business Expenses
When we evaluated cards for this list, we considered common card factors, including fees, APRs, ongoing rewards, and sign-up bonuses. Most of the cards on our list pay rewards in common business spending categories like restaurants, office supply stores, travel, gas, shipping, and advertising purchases. Understanding how business credit cards work, as well as the rewards they pay, can lead you to the perfect card for your business.
Business owners can use credit cards to earn rewards in business-related spending categories they use the most, including gas, office supplies, restaurants, internet, and cable. Like with most business products, deciding on the best business credit card for you will depend on your company’s needs and spending habits.
For rates and fees on the American Express Business Platinum Card®, please click here.
For rates and fees on the American Express Blue Business® Plus Card, please click here.