The best credit card for business expenses is one that earns top rewards in the spending categories that your business uses the most like office supplies or travel. 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) Best for robust rewards on 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 various 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 office supply store purchases. Listed consistently as one of the best business credit cards, this card also earns top cash back rewards on cable, internet, and phone expenses. With a lengthy 0% annual percentage rate (APR) period and a robust introductory bonus, it’s a solid all-around card.
In addition to the 5% rewards category, this card also earns 2% cash back on gas station and restaurant spending. However, it only pays rewards on spending up to $25,000 in each category. After that, you’ll earn 1% cash back. 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 the 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 it earns top-tier rewards (3x points per $1 spent) on spending up to $150,000 each year, it’s a great card 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 any other.
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. But this card offers more than just excellent ongoing rewards. 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 on redeemed flights.
Spanning 130 countries worldwide, this card’s lounge access is the best among any travel card. You’ll have free access to American Express’s own Centurion® Lounge collection, as well as Delta Sky Club and Priority Pass. Plus, you’ll get 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 0% introductory APR period 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 have access to the longest 0% introductory APR period available, you will have to pay a balance transfer fee of $5 or 3% of the transaction, whichever is greater. However, this fee falls on the lower end of the spectrum compared to cards that charge balance transfer fees of 5%.
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 on gas will appreciate the 3% cash back rewards this Bank of America card earns. If your business doesn’t involve much driving, you have the option to choose another category to earn 3% cash back on, such as gas stations, 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. Plus, you can earn all these rewards under a 0% APR introductory offer with no annual fee.
Owners enrolled in Bank of America’s Preferred Rewards for Business can also get up to 75% added to their top rate. However, you’ll need an established banking relationship and at least $100,000 in combined deposit balances to earn the highest tier rates.
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: Fluctuating expenses require a business credit card that earns unlimited fixed-rate rewards on all purchases, like Capital One® Spark® Cash for Business. This card offers owners an opportunity to earn consistent rewards—2% cash back—without the need for bonus categories. It also comes with a cash-based introductory offer that can function as a great discount on future business expenses.
Plus, this is the only card listed that has no cap on top rewards. So, you can earn its best rate up to any amount without being penalized with lower rewards on larger balances. Although this card has an annual fee, it’s waived for the first year of card ownership.
American Express Blue Business® Plus: Best for Earning Points on Various 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 rewards. This card will benefit you most if you tend to have fluctuating business expenses because it pays the same return rate on all purchases. Plus, cardholders get access to a lengthy 0% APR introductory period with no 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 feature also allows you to earn rewards on the amount you spend above your credit limit. However, your spending limit isn’t unlimited, and how much you can spend is determined by several factors, including monthly card usage.
How We Evaluated Best Credit Cards 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.
The best credit cards for business expenses offer top rewards in spending categories owners use the most, including gas, office supplies, restaurants, internet, and cable. Cardholders looking to save money on business expenses can do so with a variety of cards. The goods and services your company purchases will likely determine the best card for your business.
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.