Best Cash Back Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

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Ink Business Unlimited® Credit Card

Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business.
Bonus ?Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
$750
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.24% - 19.24% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
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Best Cash Back Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

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Ink Business Cash® Credit Card

Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary. year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Bonus ?Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
$750
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.24% - 19.24% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
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Best Rewards Card

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

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American Express Blue Business Cash™ Card

Rewards Rate
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Bonus ?Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months
$250
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.24% - 19.24% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening
  • No Annual Fee
  • Terms Apply
  • Rates and Fees
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Best 0% APR Card

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

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The Blue Business® Plus Credit Card from American Express

Rewards Rate
2X
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1X
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Bonus ?15,000 points after you spend $3,000 in eligible purchases on the Card withing your first 3 months of card membership
15,000 points
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.24% - 19.24% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening
  • No Annual Fee
  • Terms Apply
  • Rates and Fees
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Best Cash Back Card

Capital One Spark Cash Plus

Capital One Spark Cash Plus

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Capital One Spark Cash Plus

Rewards Rate
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Bonus ?Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Up to $1,000
Annual Fee
$150
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
N/A
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
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Best Rewards Card

American Express® Business Gold Card

American Express® Business Gold Card

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American Express® Business Gold Card

Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X
1X is earned for other purchases.
Bonus ?Earn 70,000 Membership Rewards points after you spend $10,000 within the first 3 months of Card Membership
70,000 points
Annual Fee
$295
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.24% - 22.24% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • Rates and Fees
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Best Rewards Card

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

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The Business Platinum Card® from American Express

Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Earn 1.5x Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies
Bonus ?120,000 Membership Rewards points after you spend $1,000 on eligible purchases with you Card within the first 3 months of Card Membership
120,000 points
Annual Fee
$695
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.24% - 22.24% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021
  • $695 Annual Fee
  • Terms Apply
  • Rates and Fees
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Best Rewards Card

Capital One Spark Miles for Business

Capital One Spark Miles for Business

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Capital One Spark Miles for Business

Rewards Rate
2X
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Bonus ?Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
50,000 miles
Annual Fee
$0 first year, then $95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
20.99% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • 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
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
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Best Rewards Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

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Ink Business Preferred® Credit Card

Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn.
Bonus ?100,000 points after you spend $15,000 on purchases in the first 3 months from account opening.
100,000 points
Annual Fee
$95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 20.99% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee
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Best Hotel Credit Card

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

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The Hilton Honors American Express Business Card

Rewards Rate
12X
12X at hotels & resorts in the Hilton portfolio.
6X
6X on Select Business & Travel Purchases.
3X
3X on all other eligible purchases. Terms & Limitations Apply.
Bonus ?Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases in the first 3 months. Plus you can earn an additional 50,000 bonus points after you spend a total of $10,000 on the card in the first 6 months.
Up to 180,000 points
Annual Fee
$95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.74% - 24.74% (Variable)
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent

Card Details

  • Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months
  • 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 on all other eligible purchases. Terms & Limitations Apply
  • Enjoy complimentary Hilton Honors 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
  • Terms apply
  • Rates and Fees
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Summary: Best Business Credit Cards of January 2022

Credit Card Best For Annual Fee Intro Bonus Credit Score
Best Cash Back Card $0 $750 Good to Excellent Compare Cards

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Best Cash Back Card $0 $750 Good to Excellent Compare Cards

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Best Rewards Card $0 $250 Good or Excellent (670-850) Compare Cards

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Best 0% APR Card $0 15,000 points Good to Excellent Compare Cards

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Best Cash Back Card $150 Up to $1,000 Good to Excellent Compare Cards

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Best Rewards Card $295 70,000 points Good to Excellent Compare Cards

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Best Rewards Card $695 120,000 points Good to Excellent Compare Cards

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Best Rewards Card $0 first year, then $95 50,000 miles Good to Excellent Compare Cards

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Best Rewards Card $95 100,000 points Good to Excellent Compare Cards

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Best Hotel Credit Card $95 Up to 180,000 points Good to Excellent Compare Cards

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