9 Best Business Credit Cards With No Foreign Transaction Fee 2019

on The Business Platinum® Card from American Express's secure website.

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 100,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 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.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	N/A	$595	Good, Excellent

on The Business Platinum® Card from American Express's secure website.

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The American Express Business Platinum Card® is the overall best business credit card with no foreign transaction fee because it offers top travel rewards and luxury travel perks, such as airport lounge access. It pays 5x points on travel-related purchases. Additionally, this card has no preset spending limit because it’s a charge card. However, that means your balance is due in full monthly.

If you can’t afford this repayment schedule, it’s best to consider a traditional credit card. An excellent alternative would be Chase Ink Business Preferred^SM, which is a no foreign transaction fee credit card that pays rewards up to 3x points per dollar.

American Express Business Platinum Card® Costs

This business travel credit card charges an annual fee of $595, which is the highest on our list. If you travel frequently, this card’s additional features can quickly offset that fee.

Financing costs and fees on the American Express Business Platinum Card® include:

Foreign transaction fee: None
Annual fee: $595
Introductory APR: None
Ongoing APR: No APR because it’s a charge card and needs to be paid in full monthly; if you use the invitation-only Pay Over Time feature, the APR is 20.24%, which adjusts with the prime rate
Balance transfer fee: Transfers are not allowed

This is the only charge card on our business credit card with no foreign transaction fee list. This means it carries no interest, but you’ll need to pay your balance off every month. Additionally, charge cards usually have no preset spending limit, which means you can make purchases without worrying about hitting your limit. We also rank this card as one of the best high limit business credit cards.

American Express also offers a Pay Over Time feature on this card for eligible purchases, which allows you to pay off your balance over time with interest. If you’re invited to use this feature, the ongoing APR is 20.24% variable, which adjusts with the prime rate.

American Express Business Platinum Card® Rewards

With the American Express Business Platinum Card®, you can earn up to 100,000 bonus points after you spend $25,000 within the first three months. This card also pays 5x points on flights and prepaid hotels through American Express Travel.

Introductory Rewards

You will earn the following introductory rewards when using this card:

50,000 Membership Rewards points after you spend $10,000 on qualifying purchases in the first three months.
50,000 Extra Rewards points after you spend an additional $15,000 in the first three months.

This card’s 100,000-bonus point offer is worth up to $1000 in flights, Uber rides, and gift cards, and up to $525 in prepaid hotels.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

5x points on flights and prepaid hotels through American Express Travel.
1.5x points per dollar for eligible purchase transactions of $5,000 or more.
1x points on all other purchases.
3.5 extra points for every 10 points you redeem for travel through American Express Travel (that’s 35% of your points back), up to 500,000 bonus points per year.

Unlike co-branded cards, like the Marriott Bonvoy Business™ American Express® Card, you can earn rewards on both flights and prepaid hotels through American Express Travel with this card. The advantage of using a traditional credit card is that you have more reward opportunities.

How to Redeem Rewards

There are seven ways to redeem your points with American Express:

Statement credit: If you have at least 1,000 points in your account, you can redeem them for past transactions.
Travel: Redeem a minimum of 5,000 points to book travel on American Express Travel and receive 35% of your points back. You can also transfer points to 18 select frequent flyer programs, which include Aeromexico, Air Canada, British Airways, Delta Air Lines, Hawaiian Airlines, Iberia, JetBlue, Singapore Airlines, and Virgin Atlantic.
Gift cards: Redeem your points for gift cards through American Express.
Amazon.com purchases: You can use your points on Amazon purchases after you add your card to your Amazon account and use it at least once.
Ticketmaster: Redeem for event tickets through Ticketmaster. Minimum redemption is 2,000 points.
AXS: Redeem for event tickets through AXS. Minimum redemption is 2,000 points.
Taxi fares: Redeem your points for select taxi fares and tips in New York City.

American Express Business Platinum Card® Additional Features

The American Express Business Platinum Card® offers the most robust additional features on our list, including purchase protection and extended warranty protection. It also offers unique benefits like airport lounge access, annual travel credits, and airport security screening reimbursements.

The American Express Business Platinum Card® comes with the following additional features:

Airport lounge access: Unlimited complimentary access to 1,200 airport lounges around the world through the American Express Global Lounge Collection^SM.
Airport security screening: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.
WeWork Access: Receive one year of Premium Global Access from WeWork, which gives you free access to more than 300 premium workspaces and office space in over 75 cities. This benefit is worth $2,700.
Annual travel credit: $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
Dell statement credit: Get up to $100 in statement credits every six months on purchases with Dell for a total of $200 in credits every year.
Elite car rental status: Elite status at a number of car rental agencies, which includes free upgrades.
Free in-flight Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes
Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturer’s warranties of five years or less.

American Express additional card features outrank other credit issuers, such as Capital One, and can be worth thousands of dollars per year. These additional features are worth more than enough to make up for the card’s annual fee if you travel often.

What the American Express Business Platinum Card® Is Missing

American Express acceptance is not as broad as Visa or Mastercard. This means not all merchants overseas will accept the American Express Business Platinum Card®. If you want a card that’s more widely accepted, Chase Ink Business Preferred^SM is a good alternative. Plus, you can’t carry a balance with this card because it’s a charge card. If you need to carry a balance, consider a 0% APR business credit card.

American Express Business Platinum Card® Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Business Platinum Card® reviews are mostly positive. This card is known for its strong rewards structure and unrivaled additional card features, although it does carry a high annual fee.

User Reviews

Online American Express Business Platinum Card® user reviews suggest cardholders love the additional features, such as airport lounge access and baggage insurance. Some users complain that you need to travel frequently to make the $595 annual fee worth it.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. We believe the American Express Business Platinum Card® is one of the best American Express business credit cards. It offers unbeatable travel perks, including airport lounge access, baggage insurance, extended warranty protection, and car rental insurance. Plus, you can earn some of the best travel rewards. However, the annual fee is high for those who don’t travel often.

How to Apply for the American Express Business Platinum Card®

You can apply for the American Express Business Platinum Card® online by filling out a basic application with your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Chase Ink Business Preferred^SM: Best for Maximizing Travel Rewards at a Lower Annual Fee

On Chase's Secure Website

Ink Business Preferred℠ Credit Card

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 on travel and select business 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

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.99% - 22.99% Variable	$95	Good - Excellent

On Chase's Secure Website

Chase Ink Business Preferred^SM is best for businesses that want to maximize rewards at an annual fee of $95. This card offers top travel rewards up to 3x points and charges several hundred dollars less than the best card on our list, the American Express Business Platinum Card®. It also has an introductory offer that is worth $1,000 in travel. Ongoing APR is between 17.99% and 22.99%.

Chase Ink Business Preferred^SM Costs

The Chase Ink Business Preferred^SM card charges an annual fee of $95 and offers no introductory APR. Its ongoing APR is as low as 17.99%, which is relatively high compared to other cards on our list.

Financing costs and fees on Chase Ink Business Preferred^SM include:

Foreign transaction fee: None
Annual fee: $95
Introductory APR: None
Ongoing APR: 17.99% to 22.99% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 5% of the amount of the transfer, whichever is greater

Chase Ink Business Preferred^SM charges an annual fee $500 lower than the American Express Business Platinum Card®. You’ll be able to earn top travel rewards for a fraction of the cost. However, Chase Ink Business Preferred^SM charges a high ongoing APR starting at 17.99%. If you need to carry a balance, choose a card with a lower APR, like the Bank of America® Business Advantage Travel Rewards World Mastercard® (12.99%).

Chase Ink Business Preferred^SM Rewards

Chase Ink Business Preferred^SM has a welcome offer that is worth $1,000 in travel when redeemed through Chase’s rewards portal. Plus, you’ll earn 3x points on travel, shipping purchases, telecommunications services, and advertising purchases.

Introductory Rewards

You’ll earn 80,000 bonus points when you spend $5,000 within the first three months after account opening. That is $1,000 of travel when redeemed through Chase’s online rewards portal. In comparison, the American Express Business Platinum Card® offers bonus points worth up to $1,000 and WeWork access worth $2,700.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

3x Ultimate Rewards points on the first $150,000 spent in combined purchases each account anniversary year spent in four categories. The categories include travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services.
1x Ultimate Rewards points on all other spending.

Chase Ink Business Preferred^SM is an excellent choice if you don’t spend over $150,000 on travel and advertising expenses per year. If you do spend more than $150,000, Capital One® Spark® Miles for Business would be a better option because it has no spending cap. It pays 2x miles on all spending.

It’s important to note that Chase’s definition of travel spending is liberal compared to other cards on our list. You’ll earn 3x points on the following travel categories: airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges, highways, parking lots, and garages.

How to Redeem Rewards

You can redeem your rewards for travel, cash back, or gift cards. When redeeming for cash back or gift cards, each point is worth 1 cent. When redeeming for travel through Chase’s website, each point is worth 1.25 cents.

You may be able to boost the redemption value by transferring your points to one of the issuer’s airline partners, which include the following: Air France, Avios, British Airways, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic. When transferred, point values vary, but your redemption value could exceed two cents per point or more when booking flights.

Chase Ink Business Preferred^SM Additional Features

Chase Ink Business Preferred^SM includes common additional features when compared with other cards on our list, which include car rental insurance and purchase protection. It also offers cellphone protection and trip cancellation insurance.

Chase Ink Business Preferred^SM comes with the following additional features:

Auto rental collision damage waiver: Offers primary coverage when renting for business purposes, which means it replaces any coverage your personal insurance offers. Chase may reimburse you up to the actual cash value of the car for theft and collision damage.
Purchase protection: Covers your purchased items for 120 days against damage or theft. Coverage is limited to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on warranties of three years or less.
Cellphone protection: All eligible phone lines on your phone bill are covered for up to $600 in theft or damages per claim. This coverage limits you to three claims per 12-month period, with a $100 deductible per claim.
Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $5,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Chase Ink Business Preferred^SM offers some additional card perks that other cards don’t offer, which makes it a strong travel business credit card (for example, its cellphone protection and trip cancellation insurance). However, the American Express Business Platinum Card® still offers more benefits, such as airport lounge access and reimbursement for membership in an expedited airport security screening program.

What the Chase Ink Business Preferred^SM Is Missing

Chase Ink Business Preferred^SM doesn’t offer an introductory 0% APR period, and it carries a relatively high ongoing APR starting at 17.99%. This card is not a good option if you need to carry a balance. If you can’t afford to pay off your bill in full every month, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®. That card has no interest on purchases for 9 billing cycles and an ongoing APR starting at 12.99%.

Chase Ink Business Preferred^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Preferred^SM reviews are extremely positive. Most cardholders love this card for its huge value at a significantly lower cost than other business credit cards.

User Reviews

Online reviews suggest that users enjoy the large introductory offer and the ongoing rewards they earn on several different spending categories. However, some users complain about the lack of travel benefits.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card just falls short of the American Express Business Platinum Card®. It’s a better choice for business owners who don’t need premium travel perks. Some editorial reviewers wish this card had more bonus reward categories.

How to Apply for the Chase Ink Business Preferred^SM

You can apply for the Chase Ink Business Preferred^SM online by filling out a basic application with your business and personal information. You can be approved immediately. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Marriott Bonvoy Business™ American Express® Card: Best for Staying at Marriott Bonvoy Hotels

on Marriott Bonvoy Business™ American Express® Card's secure website.

Marriott Bonvoy Business™ American Express® Card

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Terms apply.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 26.49% Variable	$125	Good, Excellent

on Marriott Bonvoy Business™ American Express® Card's secure website.

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The Marriott Bonvoy Business™ American Express® Card is best for companies that primarily stay at Marriott Bonvoy hotels, which include all of the Ritz-Carlton and former Starwood Preferred Guest properties. This card pays up to 6x points at participating locations, 4x points in three bonus categories, and 2x points on all other purchases. Its ongoing APR is between 17.49% and 26.49%.

Marriott Bonvoy Business™ American Express® Card Costs

The Marriott Bonvoy Business™ American Express® Card charges an annual fee of $125 and no foreign transaction fee. Its ongoing APR is as low as 17.49%.

Financing costs and fees on the Marriott Bonvoy Business™ American Express® Card include:

Foreign transaction fee: None
Annual fee: $125
Introductory APR: None
Ongoing APR: 17.49% to 26.49% variable, which adjusts with the prime rate
Balance transfer fee: Transfers are not allowed

The Marriott Bonvoy Business™ American Express® Card is a fraction of the cost of some cards on our list, such as the American Express Business Platinum Card®. However, the Chase Ink Business Preferred^SM card is still more affordable. That card charges an annual fee of $95 and offers ongoing rewards up to 3x points.

Marriott Bonvoy Business™ American Express® Card Rewards

The Marriott Bonvoy Business™ American Express® Card offers 75,000 bonus points after you spend $3,000 within the first three months. You’ll also earn 6x points at participating locations, 4x points at select merchants, and 2x points on all other purchases.

Introductory Rewards

You’ll earn 75,000 bonus points after spending $3,000 in purchases in the first three months. Depending on how you redeem your points, Marriott Bonvoy points are worth 0.9 cents each on average. This means the introductory offer is worth $675. Compared to other hotel-affiliated cards, like the Hilton Honors American Express Business Card, this offer is slightly better. That card’s welcome offer is worth $625, which ranks lower on our list.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
2x points on all other purchases.
One free night award every year after your card anniversary.

This small business credit card offers some of the strongest rewards on our list. In addition to the six points you can earn on Marriott purchases, you can also earn 2x points on other purchases, including your foreign transactions. Chase Ink Business Preferred^SM only pays 3x points per dollar on the first $150,000 spent on travel, shipping purchases, internet service, cable television service, phone service, and advertising purchases.

How to Redeem Rewards

There are four primary ways to redeem your rewards:

Free hotel night stays: Earn free nights at over 6,700 participating Marriott Bonvoy hotels. Some hotels and resorts may have mandatory service charges.
Flights or rental cars: Redeem your points for flights or car rentals by transferring your points across hundreds of travel partners. You can transfer your points to other frequent flyer programs for three points to one mile.
Hotel and air packages: Redeem your points for a week of hotel accommodations with airline miles included.
Gift cards: Redeem your points for gift cards from a selection of several different retailers, such as Amazon, Best Buy, Lowe’s, Staples, and more.

Marriott Bonvoy Business™ American Express® Card Additional Features

The Marriott Bonvoy Business™ American Express® Card includes similar additional features to other business credit cards, which include baggage insurance and purchase protection. Plus, you’ll receive exclusive benefits through a complimentary membership status.

The Marriott Bonvoy Business™ American Express® Card offers the following additional features:

Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturer’s warranties of five years or less.
Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.

Many other cards on our list offer similar perks, specifically American Express business credit cards. The American Express Business Platinum Card® is the only other card on our list that offers a complimentary Marriott Bonvoy membership. However, that card offers complimentary Gold status. Typically, you need to spend $35,000 in a year to upgrade to Marriott Bonvoy Gold Elite status.

What the Marriott Bonvoy Business™ American Express® Card Is Missing

This card is missing an introductory 0% APR period. This means this card is not ideal for financing a large purchase or transferring a balance. Consider a balance transfer business credit card if you are carrying high-interest debt on other cards.

Marriott Bonvoy Business™ American Express® Card Reviews

We considered both user reviews and our own editorial review when rating this card. Marriott Bonvoy Business™ American Express® Card reviews are generally positive. For any loyal Marriott customer, this card can offer extremely valuable ongoing rewards. Marriott has locations in 129 foreign countries, which means this is a card you’ll be able to take with you on most trips.

User Reviews

Online user reviews suggest that cardholders enjoy the substantial introductory and ongoing rewards. Plus, they love the additional travel perks, such as complimentary Silver Elite status. We could find no negative online reviews.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This no foreign transaction fee credit card’s strong rewards make it hard to beat for business owners who primarily stay at Marriott hotels. However, it has no interest-free financing periods and a high APR when compared to other small business credit cards.

How to Apply for the Marriott Bonvoy Business™ American Express® Card

You can apply for the Marriott Bonvoy Business™ American Express® Card online. You will be required to provide basic business and personal information. Usually, you will receive a decision within minutes. If you’re approved, you will get your card within seven to 10 days. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Hilton Honors American Express Business Card: Best for Earning Hilton Hotel Rewards

on The Hilton Honors American Express Business Card's secure website.

The Hilton Honors American Express Business Card

Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
Enjoy complimentary Gold Status with your Hilton Honors Business Card.

Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
Terms apply.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 26.49% Variable	$95	Good, Excellent

on The Hilton Honors American Express Business Card's secure website.

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The Hilton Honors American Express Business Card is best for business owners who are loyal Hilton hotel customers. This card pays 12x points for purchases made directly with Hilton properties and 3x points on all other purchases, including your foreign transactions. Plus, it has an introductory offer that is worth $625. You’ll also receive complimentary Hilton Gold Status and pay an ongoing APR between 17.49% and 26.49%.

Hilton Honors American Express Business Card Costs

The Hilton Honors American Express Business Card charges an annual fee of $95, which is the same as Chase Ink Business Preferred^SM. However, this American Express card does not allow for balance transfers.

Financing costs and fees on the Hilton Honors American Express Business Card include:

Foreign transaction fee: None
Annual fee: $95
Introductory APR: None
Ongoing APR: 17.49% to 26.49% variable, which adjusts with the prime rate
Balance transfer fee: Transfers are not allowed

There are other cards on our list that offer lower annual fees, such as the Bank of America® Business Advantage Travel Rewards World Mastercard® (no annual fee). However, you won’t receive luxury benefits with that card. If you want luxury travel benefits, consider the American Express Business Platinum Card®.

Hilton Honors American Express Business Card Rewards

Hilton Honors American Express Business Card offers an introductory offer that is worth $625. Plus, it also offers bonus category rewards on Hilton hotels and resorts, travel, business purchases, gas stations, wireless phone services, shipping, flights, and car rentals.

Introductory Rewards

You’ll earn 125,000 bonus points after you spend $3,000 on the card within the first three months. Each Hilton Honors Bonus Point on average is only worth half a cent. This means this offer is only worth $625. Other hotel credit cards, like the Marriott Bonvoy Business™ American Express® Card, offer a higher sign-up bonus. Its introductory offer is worth $675 and its points are worth 0.9 cents each.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

12x points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio.
6x points per dollar on select business purchases (gas stations, wireless telephone services, and U.S. purchases for shipping).
6x points per dollar on select travel purchases (U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and select car rentals).
3x points per dollar on other purchases.

At first glance, these rewards seem to be the best on our list. However, it’s important to reiterate that Hilton Honors points are only worth half a cent each. For example, its top rewards of 12x points would be worth six cents per dollar spent. These rewards are still among some of the best available among other business credit cards with airport lounge access.

How to Redeem Rewards

You can redeem your rewards for hotel room nights, travel experiences, and Amazon.com purchases, or you can transfer them to one of the following airline partners: Aeromexico, American Airlines, Frontier Airlines, LAN, Air Canada, Amtrak, Hawaiian Airlines, Alaska Airlines, Delta Air Lines, and United. Hilton Honors points generally have a redemption value of 0.5 cents per point. The points exchange rate varies per airline partner.

Hilton Honors American Express Business Card Additional Features

In addition to purchase protection and extended warranty protection, the Hilton Honors American Express Business Card offers 10 free Priority Pass visits and complimentary Hilton membership status.

The Hilton Honors American Express Business Card comes with the following additional features:

Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
Free Priority Pass visits: Receive 10 complimentary Priority Pass airport lounge visits each membership year.
Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
Purchase protection: Covers your purchases for 120 days from purchase date against damage or theft. Coverage is limited to $1,000 per item and $50,000 per year.
Extended warranty protection: Offers up to an additional two years of coverage on manufacturer’s warranties of five years or less.

This card offers additional card features similar to what is offered by the American Express Business Platinum Card®, including purchase protection and extended warranty protection. Plus, on that card and the Hilton Honors American Express Business Card, you’ll receive complimentary Hilton Honors Gold Status.

What the Hilton Honors American Express Business Card Is Missing

The card is not an ideal card if you need to finance a large purchase or carry a balance. It doesn’t offer an introductory 0% APR period and has a high ongoing APR starting at 17.49%. Instead, consider a 0% APR business credit card.

Hilton Honors American Express Business Card Reviews

We considered both user reviews and our own editorial review when rating this card. Hilton Honors American Express Business Card reviews are generally mixed. This card offers attractive rewards for most Hilton customers, but there are cards that offer better reward redemption values. Hilton has locations in 108 foreign countries, about 20 fewer countries than Marriott. Still, this card should give you value in most places you choose to travel.

User Reviews

Hilton Honors American Express Business Card users enjoy that their points never expire and the additional card perks, such as complimentary Hilton Honors Gold Status. However, some users complain that their points are only worth half the value of other loyalty programs, such as Marriott Bonvoy points.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This is a solid card if you’re a business owner who primarily books hotel nights with Hilton properties. However, it does have a high ongoing APR and no introductory 0% APR period.

How to Apply for the Hilton Honors American Express Business Card

You can apply for the Hilton Honors American Express Business Card online by providing your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Capital One® Spark® Miles for Business: Best for Fixed-rate Rewards

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business

Earn unlimited 2 miles per $1 on every purchase, everywhere
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee

Fly on any airline, anytime, with no blackout dates or seat restrictions
$0 intro annual fee for the first year; $95 after that
$0 fraud liability if your card is lost or stolen
Free employee cards which also earn unlimited 2x miles from their purchases
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.74% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business is best for businesses that prefer fixed-rate miles, including travel. This card pays two miles per dollar spent on every purchase. Plus, you can earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first three months from account opening. If you’d rather earn cash back instead of miles, Capital One also offers Capital One® Spark® Cash for Business.

Capital One® Spark® Miles for Business Costs

The Capital One® Spark® Miles for Business card waives the annual fee for the first year, then charges $95. It offers no introductory APR, and charges a variable ongoing APR of 18.74%.

Financing costs and fees on Capital One® Spark® Miles for Business include:

Foreign transaction fee: None
Annual fee: $95, which is waived the first year
Introductory APR: None
Ongoing APR: 18.74% variable, which adjusts with the prime rate
Balance transfer fee: None

For the first 12 months of owning this card, you’ll have no annual fee. After that, the card will cost $95 annually. One of the downsides of this card is the lack of an introductory 0% APR period and its relatively high ongoing APR. Compared to other business credit cards, its variable APR of 18.74% is roughly two percentage points higher than the average APR.

Capital One® Spark® Miles for Business Rewards

This Capital One business credit card offers a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first three months from account opening. Plus, it pays unlimited 2x miles on all spending.

Introductory Rewards

You’ll earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first three months from account opening. This introductory offer falls short compared to other credit cards on our list. For example, the Chase Ink Business Preferred^SM card’s introductory offer is worth $1,000 in travel when redeemed through Chase’s online rewards portal.

Ongoing Rewards

You’ll earn unlimited 2x miles on all spending, including travel and your foreign transactions. This card is designed for business owners who don’t want to track category bonuses. If you want to earn bonus category rewards, consider Chase Ink Business Preferred^SM. That card pays 3x points on travel, shipping purchases, telecommunications services, and advertising purchases.

Capital One also offers the Capital One® Spark® Cash for Business card, which is a great alternative if you want a similar card that offers cash-back rewards. We also believe that card is one of the best cash-back business credit cards.

How to Redeem Rewards

There are six ways to redeem your rewards:

New travel reservations: You can book flights, car rentals, or hotels using your miles. For every $1 of travel, you’ll need to redeem 100 points.
Past travel purchases: You can redeem your rewards for past travel purchases made on your card. Redemptions must be made within 90 days from the date your travel purchase shows on your account.
Transfer to a select travel partner: You can transfer your miles to 15 select loyalty programs, including Air Canada, JetBlue, Aeromexico, Emirates Skywards, Qantas, and Qatar Airways
Statement credit or check: You can redeem your points as cash back in the form of a statement credit or a check by mail. Each point is worth one cent.
Gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels.
Automatic redemption: You have two options for receiving your rewards automatically. You can receive them at a set time each calendar year or when you reach a threshold ($25, $50, $100, $200, $500, or $1,500).

Capital One® Spark® Miles for Business Additional Features

According to Capital One’s website, this card comes with Visa® Signature Business Benefits, which include purchase protection and extended warranty protection. This card also offers reimbursement for an airport security screening membership.

The Capital One® Spark® Miles for Business offers the following additional features:

Global Entry or TSA Pre✓® Credit: Receive up to $100 credit for Global Entry or TSA Pre✓® when you use your card.
Auto rental collision damage waiver: Offers primary car rental coverage when renting for business purposes. This means it replaces any coverage your personal insurance may offer. Capital One will reimburse up to the actual cash value of the vehicle.
Purchase protection: Protects purchases for up to 90 days against damage or theft. Coverage is limited to $10,000 per claim and $50,000 per account.
Extended warranty protection: Extends U.S. manufacturer’s warranties of three years or less up to an additional one year.
Lost luggage reimbursement: Covers your checked or carry-on baggage up to $3,000 if lost or stolen when you use your card to pay for a ticket.

Upon approval, you’ll either receive Visa® Signature Business Benefits or Visa® Business Benefits. Capital One won’t disclose the factors that determine which card benefits you’ll receive. We don’t believe this should be a big factor in your decision to apply. If you want more features and need luxury benefits, consider the American Express Business Platinum Card®.

What the Capital One® Spark® Miles for Business Is Missing

Capital One® Spark® Miles for Business doesn’t offer bonus reward categories like other cards our list. With a card like Chase Ink Business Preferred^SM, you will earn 3x points per dollar spent on travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services. That is one more point per dollar compared to Capital One® Spark® Miles for Business.

Capital One® Spark® Miles for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Miles for Business reviews are very good. This card has excellent value, especially for those business owners who don’t want to track category spending for bonus rewards. However, this card doesn’t offer introductory interest-free financing.

User Reviews

Online user reviews are generally positive. Most cardholders particularly love that they can earn a high return on all of their purchases. However, some cardholders complain about the lack of an introductory APR period.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Most reviewers have good things to say about the card’s simple rewards structure. Additionally, Capital One sets no rewards caps, which makes it more valuable than other cards. The card’s biggest disadvantage is the lack of an introductory 0% APR period.

How to Apply for the Capital One® Spark® Miles for Business

You can apply for Capital One® Spark® Miles for Business online by filling out a basic application with your business and personal information. Typically, you will receive a decision right away. If you don’t, you’ll receive more details in an email or letter within seven to 10 business days. Once approved, you’ll receive your card within seven to 10 business days.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for No Annual Fees

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.

No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	12.99% - 22.99% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

The Bank of America® Business Advantage Travel Rewards World Mastercard® is best for businesses that want to avoid annual fees. This card pays three points per dollar when you book a rental car, hotel, or airfare through the Bank of America Travel Center. You’ll also have no-interest financing for 9 billing cycles on purchases. This card has the lowest ongoing APR on our list starting at 12.99%.

Bank of America® Business Advantage Travel Rewards World Mastercard® Costs

The Bank of America® Business Advantage Travel Rewards World Mastercard® charges the lowest ongoing APR on our list and offers an introductory 0% APR period for 9 billing cycles on purchases. Plus, this is also a no annual fee credit card.

Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard® include:

Foreign transaction fee: None
Annual fee: None
Introductory APR: 0% APR for 9 billing cycles on purchases
Ongoing APR: 12.99% to 22.99% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 4% of the amount of the transfer, whichever is greater

This is the only card on our list that offers an introductory 0% APR period on purchases. However, this card is not right for you if you are looking to transfer a balance. If you need to transfer a balance, we recommend opening a balance transfer business credit card. Those cards offer an introductory 0% APR period on balance transfers up to 15 billing cycles. However, none of those cards waive foreign transaction fees.

Bank of America® Business Advantage Travel Rewards World Mastercard® Rewards

Bank of America® Business Advantage Travel Rewards World Mastercard® offers an introductory offer that is only worth $250, which is the smallest on our list. However, it pays top rewards on travel and also offers 1.5 points on everyday spending.

Introductory Rewards

You’ll earn 25,000 bonus points when you spend $1,000 in the first 60 days of account opening. This introductory offer can be redeemed for a $250 statement credit toward travel purchases. These introductory rewards are the lowest of any card on our list. For example, Chase Ink Business Preferred^SM has an introductory offer worth $1,000 in travel.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

3 points per dollar spent on travel purchases―car, hotel, or airline―booked through the Bank of America® Travel Center.
1.5 points for every dollar spent on all purchases, regardless of how much you spend.

This is the only card on our list that offers bonus rewards for being an existing customer. When you enroll in Bank of America’s Business Advantage Relationship Rewards program, you can receive up to an additional 75% rewards bonus on all spending. This means you’ll earn up to 2.62 points on all purchases, which is one of the highest rates on our list for everyday spending. You’ll need a balance of at least $100,000 to earn this rate.

How to Redeem Rewards

You can redeem your rewards for travel, travel credits, and cash. Redeeming your rewards for cash means you’ll accept the rewards as a deposit into your Bank of America checking or savings account, as a statement credit, or via check. You must redeem points for travel credit (something you already paid for with your card) within 12 months of purchase.

Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features

Similar to other cards on our list, this Bank of America business credit card offers car rental insurance, travel accident insurance, and lost luggage reimbursement. You can learn more about these features’ details in your guide to benefits.

The Bank of America® Business Advantage Travel Rewards World Mastercard® comes with the following additional features:

Auto rental insurance: Covers you in case of accident or theft to the rental vehicle. This is primary coverage, which means you can avoid a claim on your personal insurance in case of accident.
Travel accident insurance: Provides coverage if you die or are seriously injured while traveling on a ticket paid for with your card.
Lost luggage reimbursement: You’ll be covered for your luggage and its contents if they are lost or stolen when you pay for a trip using your card.
Trip cancellation coverage: You can receive reimbursement per person and per trip if your plans are canceled for a covered reason when you use your card.

Unlike other card issuers, Bank of America doesn’t disclose benefits details prior to application. You will learn more about the limitations, restrictions, and coverage levels when you receive your guide to benefits upon approval. When compared to other cards on our list, this card is lacking some additional benefits, such as airport lounge access.

What the Bank of America® Business Advantage Travel Rewards World Mastercard® Is Missing

The Bank of America® Business Advantage Travel Rewards World Mastercard® offers the smallest introductory reward on our list. If you want a large introductory offer, consider Chase Ink Business Preferred^SM. That card offers 80,000 bonus points when you spend $5,000 within the first three months after account opening, which is worth $1,000 in travel.

Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Travel Rewards World Mastercard® reviews are generally positive. This card offers strong travel rewards and no annual fee. However, this means it doesn’t have benefits like airport lounge access that some cards that charge an annual fee offer.

User Reviews

Online user reviews suggest that cardholders enjoy the rewards they can earn, especially when they enroll in the Business Advantage Relationship Rewards program. However, some cardholders complain about the introductory rewards offered compared to other cards, such as the American Express Business Platinum Card®.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews find this card a good option for business owners who want to avoid an annual fee. Plus, it’s a great choice as your first business travel rewards card. However, its additional benefits don’t compete well with the top cards on our list.

How to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard®

You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® online. You’ll be required to fill out a basic online application, and you can get an instant approval. Once approved, you’ll receive your card within seven to 10 days.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: Best for Flying American Airlines

on Citi's Secure Website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

2 AAdvantage® miles on telecommunications, car rental, gas station purchases
2 AAdvantage® mile on eligible American Airlines purchases
1 AAdvantage® mile on other purchases

First checked bag free
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.74% - 25.74% Variable	$0 for the first year, then $99	Good - Excellent

on Citi's Secure Website

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is best for companies that travel with American Airlines. This card offers free checked bags and priority boarding, which most other cards don’t. Plus, it pays 2x miles on American Airlines purchases and has an introductory offer worth up to $700 in travel. Ongoing APR starts at 17.99%.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Costs

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® charges no foreign transaction fee and waives its annual fee during the first year. After the first 12 months, this card has an annual fee of $99.

Financing costs and fees on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® include:

Foreign transaction fee: None
Annual fee: $99, which is waived the first year
Introductory APR: None
Ongoing APR: 17.74% to 25.74% variable, which adjusts with the prime rate
Balance transfer fee: Transfers are not allowed

The $99 annual fee is nearly identical to the $95 annual fee on Capital One® Spark® Miles for Business and the United^SM Explorer Business Card. Both of those cards also waive the annual fee over the first 12 months. However, this CitiBusiness credit card charges a significantly lower annual fee than our top pick, the American Express Business Platinum Card®, which charges $595.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Rewards

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® has an introductory offer that can be worth $700 or more in travel. Plus, you’ll earn two miles per dollar on every American Airlines-related purchase.

Introductory Rewards

You’ll earn 70,000 bonus miles after you spend $4,000 within the first four months after account opening. These introductory rewards can be worth $700 or more when used to book travel. This is slightly less than the American Express Business Platinum Card®. However, that card requires you to spend $25,000 to earn 100,000 bonus points.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

2 miles for every $1 spent on eligible American Airlines purchases.
2 miles on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
1 mile for every $1 spent on other purchases.

There are other cards on our list that offer higher returns for flight purchases. For example, the American Express Business Platinum Card® pays 5x points per dollar and Chase Ink Business Preferred^SM pays 3x points per dollar. When you’re overseas, you can earn two miles on car rentals and gas stations with this CitiBusiness credit card.

How to Redeem Rewards

There are four ways to redeem your rewards:

Flight awards: Books flights for as little as 7,500 miles each way plus applicable taxes and carrier-imposed fees.
Flight awards on other airlines: Redeem your miles for travel through one of about two dozen foreign airline partners, including British Airways and Cathay Pacific.
Upgrades: Redeem your miles for upgrade to first class or business class on American and partner flights. Upgrades cost as few as 5,000 miles.
Hotels, rental cars, and vacation packages: Pay for your reservation through the American Airlines AAdvantage miles website with as few as 1,000 miles.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Additional Features

American Airlines flyers can benefit from this card’s free checked bag, preferred boarding, and American Airlines companion certificate. You’ll also receive car rental insurance and in-flight savings.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® comes with the following additional features:

Free checked bag: Check one bag for free for you and four companions traveling with you to domestic itineraries if they are listed on the same reservation.
Preferred boarding: You and up to four traveling companions will be able to board once priority boarding is complete but before the rest of economy boards.
American Airlines companion certificate: Earn one $99 domestic economy fare—plus $21.60 to $43.40 in government taxes and fees—after you make at least $30,000 in eligible purchases each 12-month period prior to your card anniversary date.
Savings on in-flight purchases: Receive a 25% discount on in-flight food, beverage, and Wi-Fi purchases you make with your card.
Worldwide car rental insurance: When you rent a car using your card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or the rental company’s insurance. Coverage is limited to $50,000.
Purchase protection: Citi may repair or reimburse for items purchased with your card that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per item and up to $50,000 per account, per year.

Although this card offers several valuable additional card features, the free checked bag and companion certificate only pertain to domestic flights. However, these perks are still considered some of the best for when you’re traveling inside the country. Other cards that offer similar perks usually come with a higher annual fee.

What the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Is Missing

American Airlines flies to 49 foreign countries, but this card isn’t right for you if you don’t fly American Airlines frequently. If you don’t fly American Airlines, but want to earn top travel rewards, consider the American Express Business Platinum Card®. That card pays 5x points on purchases through American Express Travel.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® reviews are generally positive. Although this card offers decent rewards for frequent American Airlines flyers, there are better cards for travel rewards enthusiasts.

User Reviews

Online user reviews suggest that cardholders especially enjoy the large introductory offer and no annual fee for the first year. Plus, they find the non-travel spending rewards beneficial. However, some users complain that the flight rewards are too small compared to other cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews agree that this card is a must-have for American Airlines flyers because of its unique airline-specific benefits. It offers free checked bags, a companion certificate, and priority boarding. However, it is missing some luxury benefits like airport lounge access.

How to Apply for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

You can apply for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® online or by phone. You’ll be required to provide your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

United^SM Explorer Business Card: Best for United Airlines Travel

on United℠ Explorer Business Card's secure website.

United℠ Explorer Business Card

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, you can earn an additional 50,000 bonus miles after you spend $25,000 in total purchases within six months.
$0 intro annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores

Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.99% - 24.99% Variable	$95	Good - Excellent

on United℠ Explorer Business Card's secure website.

Note: The information related to the United℠ Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

The United^SM Explorer Business Card is best for businesses that frequently fly with United Airlines. This card pays 2x miles on all United-related purchases. Plus, you can earn bonus rewards on restaurants, gas stations, and office supply spending. You can earn 50,000 bonus miles after you spend $5,000 within the first three months and an additional 50,000 bonus miles after you spend $25,000 in total purchases within six months. Its ongoing APR starts at 17.99%.

United^SM Explorer Business Card Costs

The United^SM Explorer Business Card charges an annual fee of $95, which is waived the first year. It offers no introductory APR and charges an ongoing APR between 17.99% and 24.99%.

Financing costs and fees on the United^SM Explorer Business Card include:

Foreign transaction fee: None
Annual fee: $95, which is waived the first year
Introductory APR: None
Ongoing APR: 17.99% to 24.99%, which adjusts with the prime rate
Balance transfer fee: $5 or 5% of the amount of the transfer, whichever is greater

Capital One® Spark® Miles for Business charges the same annual fee as this card. The United annual fee is $4 less than what the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® charges. Its ongoing APR may be up to four percentage points higher than what the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

United^SM Explorer Business Card Rewards

The United^SMExplorer Business Card has an introductory offer worth at least $750 in travel. Plus, you’ll earn ongoing rewards up to two miles per dollar for United Airlines, restaurant, gas station, and office supply purchases.

Introductory Rewards

You’ll earn 50,000 bonus miles after you spend $5,000 within the first three months, Plus, you can earn an additional 50,000 bonus miles after you spend $25,000 in total purchases within six months. This is the largest introductory reward on our list.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

2 miles per dollar spent on purchases from United, including tickets, Economy Plus, inflight food, beverages, Wi-Fi, and other United charges.
2 miles per dollar spent at restaurants, gas stations, and office supply stores.
1 mile per dollar spent on all other purchases.

Compared to the United^SMExplorer Business Card, other cards on our list offer better rewards for flight purchases. For example, the American Express Business Platinum Card® pays 5x points and Chase Ink Business Preferred^SM pays 3x points on flight purchases.

How to Redeem Rewards

You can redeem your miles by booking travel on United flights or United partner airlines. You’re responsible for paying all taxes and fees levied by the government on plane tickets. United says pricing varies from flight to flight. However, one-way Saver Award travel starts at 12,500 miles for flights within the United States and Canada.

United^SM Explorer Business Card Additional Features

This card offers United Airlines-specific benefits, such as free checked bags, priority boarding, and two United Club one-time passes. It also provides baggage delay insurance, lost luggage reimbursement, and trip cancellation insurance.

The United^SM Explorer Business Card includes the following benefits:

Free checked bag: You and one companion traveling on the same reservation will each receive your first standard checked bag free.
Priority boarding: You and companions on the same reservation will be able to board prior to general boarding.
Two United Club one-time passes: Enjoy complimentary beverages, snacks, and amenities like work spaces, free Wi-Fi, and more each anniversary year.
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for three days.
Lost luggage reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
Trip cancellation insurance: If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $10,000 per trip for your prepaid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Trip delay reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

The free checked bag and priority boarding benefit is similar to what other airline-affiliate cards offer, including the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. There are other cards on our list that also offer airport lounge access, such as the Hilton Honors American Express Business Card and American Express Business Platinum Card®.

What the United^SM Explorer Business Card Is Missing

The United^SM Explorer Business Card doesn’t offer luxury travel benefits, such as unlimited complimentary airport lounge access. If you think you’ll need perks like that, consider the American Express Business Platinum Card®. That card offers unlimited free lounge access to over 1,200 airport lounges. Additionally, United only flies to 72 foreign countries, which can minimize your rewards if you have this card and are traveling to a country where it doesn’t fly.

United^SM Explorer Business Card Reviews

We considered both user reviews and our own editorial review when rating this card. United^SM Explorer Business Card reviews are mostly positive. Its airline-specific features, like free checked bags, are valuable for United Airlines’ flyers. However, it offers low ongoing rewards compared to other cards.

User Reviews

Online user reviews suggest that they especially enjoy the rewards they earn by spending on United Airlines flights. However, some users say they wish they could earn a companion certificate like other airline-affiliated cards offer.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews suggest that frequent United Airline flyers should consider this as their travel rewards card. It offers airline-specific rewards that other cards can’t match, including a free checked bag. However, there are other cards that offer better bonus category rewards.

How to Apply for the United^SM Explorer Business Card

You can apply for the United^SMExplorer Business Card online. Fill out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Note: The information related to the United^SM Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Capital One® Spark® Classic for Business: Best for Fair Credit

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business

Enjoy no annual fee
Earn 1% cash back on every purchase
Build business credit with responsible use

Fraud coverage if your card is ever lost or stolen
No foreign transaction fees
Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	24.74% (Variable)	$0	Average, Fair, Limited

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business is best for business owners with fair credit (580 to 669). This card charges no annual fee and pays a fixed rate of 1% cash back on all spending. This card is best used to build both your business and personal credit scores. It has an ongoing variable APR of 24.74%, which is average among business credit cards for fair credit.

Capital One® Spark® Classic for Business Costs

Capital One® Spark® Classic for Business is one of two cards on our list that charges no annual fee. The other is the Bank of America® Business Advantage Travel Rewards World Mastercard®. However, you won’t qualify for that card with fair credit.

Financing costs and fees on Capital One® Spark® Classic for Business include:

Foreign transaction fee: None
Annual fee: None
Introductory APR: None
Ongoing APR: 24.74% variable, which adjusts with the prime rate
Balance transfer fee: None

Capital One® Spark® Classic for Business has the highest variable ongoing APR compared to the cards on our list. However, this variable APR is comparable to the best business credit cards for fair credit.

Capital One® Spark® Classic for Business Rewards

Capital One® Spark® Classic for Business doesn’t offer any introductory rewards. However, it does pay 1% cash back on all spending. This rewards structure is common for business owners with personal credit scores between 580 and 669.

Introductory Rewards

Capital One® Spark® Classic for Business offers no introductory rewards. This is common among business credit cards for fair credit. If you have a higher credit score, consider a different small business credit card.

Ongoing Rewards

You’ll earn unlimited 1% cash back on all purchases. If your personal credit score is between 580 and 669, this is a good option because of the added benefit its rewards provide. If your personal credit score is below 580, consider a secured business credit card. Those cards have credit limits that are typically equal to a cash deposit held in a collateral account.

How to Redeem Your Rewards

You can redeem your rewards as a statement credit or check, for a recent transaction, for gift cards, or you can set up automatic redemption. If you choose automatic redemption, you can receive your rewards at a set time or when you reach a specific threshold ($25, $50, $100, $200, $500, or $1,500).

Capital One® Spark® Classic for Business Additional Features

According to Capital One’s website, this card offers Visa® Business Benefits, which includes car rental insurance, extended warranty protection, and purchase protection. These features are common across most small business credit cards.

The Capital One® Spark® Classic for Business offers the following:

Auto rental collision damage waiver: Offers primary car rental coverage when renting for business purposes. This means it replaces any coverage your personal insurance may offer. Capital One will reimburse up to the actual cash value of the vehicle.
Extended warranty protection: Extends U.S. manufacturer’s warranties by up to one additional year on warranties of three years or less.
Purchase protection: Covers new purchases for 90 days against damage or theft up to $10,000 per items and $50,000 per year.

These additional benefits are similar to Capital One® Spark® Miles for Business, which offers 2% cash back. However, it’s unlikely for business owners with fair credit to qualify for that card.

What the Capital One® Spark® Classic for Business Is Missing

The Capital One® Spark® Classic for Business card doesn’t offer a sign-up bonus and only pays 1% cash back. However, business owners who apply for this card should do so to build their credit and not earn the best ongoing rewards. These ongoing rewards are just an extra benefit.

Capital One® Spark® Classic for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Classic for Business reviews agree that this card is a solid option for business owners with personal credit scores between 580 and 669.

User Reviews

Online user reviews are generally positive. Cardholders enjoy the opportunity to earn rewards while building their business and personal credit. However, this card tends to offer low credit limits. Credit limits that start as low as $500.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Reviewers agree this is one of the best business credit cards for fair credit that charges no foreign transaction fee. However, you’ll miss out on introductory rewards and strong ongoing rewards.

How to Apply for the Capital One® Spark® Classic for Business

You can apply for Capital One® Spark® Classic for Business online. The application takes minutes and you can get approved instantly. Once approved, the card typically takes seven to 10 business days to arrive.