Best Flexible Rewards Business Cards 2024
Best Ultimate Rewards-Earning Business Card
Ink Business Preferred® Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable andRead More
Welcome Bonus
Earn 100,000 bonus points
Annual Fee
$95
Regular APR
21.24%-26.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Chase Ultimate Rewards® are a highly coveted form of flexible points, and the Ink Business Preferred® Credit Card earns them at elevated rates.
Why we like it
Some earning categories have caps for bonus points, but the limits are high enough that it won’t impact some businesses.
What we don’t like
The travel protections on this card are substantially less inclusive than what you’d find on premium personal cards.
Who it’s best for
Business owners who are interested in flexible travel rewards.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
In this age of digital media, many small business owners find themselves spending significant money on social media ads. That makes the Ink Business Preferred and its bonus earning on advertising purchases with social media sites and search engines incredibly valuable. Plus, you’ll be able to transfer your rewards to any of Chase’s airline and hotel partners directly from the card without needing to combine them with any other personal Chase card.
Pros & Cons
- Remarkable welcome bonus
- No foreign transaction fees
- Employee cards at no additional cost
- Rewards for common business expenses
- Has annual fee
- Rewards cap on high earning categories
- Potential gaps in reward coverage for key business categories
Card Details
- Earn 100k bonus points after you spend $8,000 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 Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- 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 Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Travel Benefits
The Business Platinum Card® from American Express
On American Express's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 5X Reward Rate
Get 5X Membership Rewards® points on flights and prepaid hotels on American Express Travel; Earn 1.5X points on eligible purchasesRead More
Welcome Bonus
Earn 150,000 points
Annual Fee
$695
Regular APR
19.49% - 28.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Small business owners who can take advantage of the many statement credits and travel benefits that are offered by The Business Platinum Card® from American Expresscould find value well in excess of its annual fee.
Why we like it
The travel perks that are included with this card can make business travel far more comfortable.
What we don’t like
You’ll need to pay close attention to fine print, deadlines and enrollment information in order to use many of the card’s benefits.
Who it’s best for
Business owners who will regularly use the included travel perks.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
The 35% points rebate is the quiet hero of this card. It makes essentially any first or business class redemption guaranteed to be worth 1.5 cents per point (along with all tickets on the airline of your choice). In an era where award availability can be hard to find, that’s a feature you’ll likely find yourself utilizing on a regular basis.
Pros & Cons
- Excellent welcome bonus
- A slew of potential statement credits
- Extensive airport lounge access
- Rich suite of travel perks
- High spending requirement to earn welcome bonus
- Annual fee and additional cardholder fees are very high
- Limited spending bonus categories
- Some credits are doled out in increments, making them harder to use
Card Details
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 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 (that’s an extra half point per dollar) on each eligible purchase 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 statement credits on select purchases, including tech, recruiting and wireless in the first yearof membershipwiththe Business Platinum Card®.Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to theCard.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Offer for New Business Cardholders
Venture X Business *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Welcome Bonus
Earn 150,000 bonus miles
Annual Fee
$395
Regular APR
N/A
Credit Score
Excellent
Our Expert Take
The Venture X Business* has one of the largest welcome offers on the market and earns double points on all purchases.
Why we like it
There are some easy wins from the card’s benefits, including an annual travel credit and airport lounge access.
What we don’t like
The Venture X Business requires payment in full, so your business will need to have reliable cash flow.
Who it’s best for
Business owners who want to earn flat-rate transferable miles.
Expert Commentary
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Jon Nickel-D'Andrea
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Credit Cards Expert Writer
While many credit cards offer Priority Pass membership, there are only a few that actually come with restaurant benefits still attached. The Venture X Business card’s priority pass membership still allows for restaurant access for you and up to two guests, equating to up to $84 in credit at select airport restaurants worldwide.
Pros & Cons
- No preset spending limit
- Unlimited 2 points per dollar on all purchases (more on some travel purchases)
- Impressive travel benefits
- Free employee cards and virtual cards
- Dedicated support from business representatives
- Annual bonuses
- High annual fee
- Full card balance must be paid every month
Card Details
- Earn 2 miles per dollar spent on every purchase
- Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
- Annual $300 travel credit for bookings through Capital One Travel
- 10,000 bonus miles each year after the first membership anniversary
Earn 150,000 bonus miles when you spend $30,000 in the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flexible Rewards Business Card With No Annual Fee
Capital One Spark Miles Select for Business *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn unlimited 1.5X miles per dollar on every other purchase; earn unlimited 5x miles per dollar on hotels and rentalRead More
Welcome Bonus
50,000 miles
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Though light on perks, the Capital One Spark Miles Select for Business* is easy to manage since it earns flat-rate rewards without an annual fee.
Why we like it
Cardmembers have access to more than 15 travel partners they can transfer miles to for award redemptions, which is impressive for a no annual fee card.
What we don’t like
Capital One has lousy redemption rates if you prefer to convert your miles to cash.
Who it’s best for
Business owners who prioritize travel rewards but can’t justify an annual fee.
Expert Commentary
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Lee Huffman
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Credit Cards Expert Writer
While this card’s benefits are limited, it is one of the few no-annual-fee cards that allows transfers to airline and hotel partners. With its flexible rewards, businesses can also redeem them in many ways, including cash back, travel or covering previous travel purchases.
Pros & Cons
- No foreign transaction fee
- Earn unlimited miles that never expire
- Miles can be transferred to Capital One’s travel partners
- Business management tools including quarterly reports
- Free employee cards
- No intro APR offer for balance transfers
- High penalty APR
Card Details
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
- No annual fee
- Use your miles on flights, hotels, vacation packages and more—you can use your miles to cover eligible travel purchases to over a dozen travel partners
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
Earn a one-time bonus of 50,000 miles after spending $4,500 on purchases within the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Cards for Businesses 2024
Best Flexible Rewards 0% Intro APR Business Card
The Blue Business® Plus Credit Card from American Express
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Welcome Bonus
Earn 15,000 points
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The Blue Business® Plus Credit Card from American Expressearns 2 points per dollar on the first $50,000 of spending annually, which may be enough for small businesses. An intro APR offer sweetens the deal.
Why we like it
Double miles without an annual fee is an excellent and uncommon combination.
What we don’t like
The introductory APR period only lasts for 12 months.
Who it’s best for
New businesses and independent contractors who prefer flexible rewards.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
For small businesses looking to earn valuable travel rewards at a rapid clip, you can’t go wrong with the Blue Business Plus. Its simplicity means you won’t have to worry about maximizing bonus categories, and it’s also the only small business card that can transfer points to any of Amex’s airline and hotel partners without ever having to pay an annual fee.
Pros & Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
- There’s a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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 us, and other factors.
- No Annual Fee
- Terms Apply
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back 0% Intro APR Business Card
The American Express Blue Business Cash™ Card
On American Express's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2% Reward Rate
Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back onRead More
Welcome Bonus
Earn $250
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
Earn 2% cash back on the first $50,000 in spending, and pay no annual fee while also receiving an introductory APR offer.
Why we like it
This card excels in simplicity with its flat-rate (yet still generous) cash back.
What we don’t like
The 0% intro APR offer is enticing, but only lasts for 12 months.
Who it’s best for
New businesses and independent contractors who prefer simple cash back.
Expert Commentary
TJ Porter
Investing Writer
TJ Porter is a freelance writer based in Malden, Massachusetts. He's been covering personal finance for approximately a decade, focusing on topics such as investing, credit and credit cards. His writing has appeared on Credit Karma, Investopedia and Newsweek Vault.
TJ Porter
TJ Porter
Investing Writer
TJ Porter is a freelance writer based in Malden, Massachusetts. He's been covering personal finance for approximately a decade, focusing on topics such as investing, credit and credit cards. His writing has appeared on Credit Karma, Investopedia and Newsweek Vault.
Investing Writer
For companies with moderate spending, the Blue Business Cash offers one of the simplest deals for earning rewards. Businesses earn a strong 2% cash back on purchases without needing to pay an annual fee or remember bonus categories, all while getting other popular Amex perks like rental car insurance¹ and vendor payment tools.
Pros & Cons
- No annual fee
- Introductory APR on purchases
- Great extra benefits like purchase protection and car rental insurance
- Business-oriented benefits like employee cards and authorized manager accounts
- Highest-earning cash-back reward capped after $50,000 in annual spending
- High foreign transaction fees
- No low introductory APR for balance transfers
Card Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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 us and other factors.
- No Annual Fee
- Terms Apply
Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Cash Back Cards 2024
Best Cash-Back Card With No Preset Spending Limit
Capital One Spark Cash Plus *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn unlimited 2% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars bookedRead More
Welcome Bonus
Earn a $1,200 cash bonus
Annual Fee
$150
Regular APR
N/A
Credit Score
Excellent(750 - 850)
Our Expert Take
The Capital One Spark Cash Plus* differentiates itself as a top-tier option by offering a generous welcome bonus, easy rewards and flexible spending limits.
Why we like it
The flat-rate rewards mean your business has one less thing to think about when you’re already mentally stretched.
What we don’t like
This is a charge card that requires payment in full every month, which leaves less flexibility for your company.
Who it’s best for
Businesses that are able to pay their card in full while earning flat-rate cash rewards.
Expert Commentary
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Lee Huffman
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Credit Cards Expert Writer
This card offers huge value for businesses that spend heavily. However, they must be able to pay off their purchases in full each month to avoid its massive late fee penalties.
Pros & Cons
- High 2% cash-back rate applies to all purchases
- Earn unlimited 5% on hotels and rental cars booked through Capital One Travel
- Free employee cards
- No foreign transaction fees
- No intro APR offer
- Card balances must be paid in full each month
Card Details
- Earn a $1,200 cash bonus after spending $30,000 in the first three months
- Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
- $150 annual fee
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Get your annual fee refunded every year you spend $150,000
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Earn a $1,200 cash bonus after spending $30,000 in the first three months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No Annual Fee Cash-Back Business Card
Spark Cash Select from Capital One *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 1.5% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked throughRead More
Welcome Bonus
Earn $750
Annual Fee
$0
Regular APR
18.49%, 21.49% or 24.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
Businesses that can’t justify paying an annual fee will still earn above-average rewards with the Spark Cash Select from Capital One* thanks to a straightforward structure.
Why we like it
The cash bonus available to new cardholders could seriously help small businesses.
What we don’t like
It may be possible to find a flat-rate card that offers a better return if your business is well qualified.
Who it’s best for
Business owners who prefer cash-back rewards without an annual fee.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Businesses of any size will enjoy straightforward minimum cash-back opportunities on this card plus increased earnings on travel when booked directly through Capital One Travel.
Pros & Cons
- Earn 1.5% cash back
- Chance to earn a welcome bonus
- No annual fee
- No foreign transaction fee
- Excellent credit required
- Spending requirement to earn bonus is high
Card Details
- Earn unlimited 1.5% cash back on eligible purchases
- Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
- No annual fee
Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Business Card for Category Bonuses
Ink Business Cash® Credit Card
On Chase Bank USA, NA's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More
Welcome Bonus
Earn up to $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Ink Business Cash® Credit Card bumps your cash-back rates up in several spending categories, all without charging an annual fee.
Why we like it
The earning rate at office supply stores and toward internet, cable and phone services is sky-high for a business card.
What we don’t like
Cardholders will need to watch out for earning caps in bonused spending categories and could hit limits quickly.
Who it’s best for
Business owners who spend a lot on office-related expenses.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.
Pros & Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
- High cash advances & balance transfer fees
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
- Member FDIC
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat-Rate Cash-Back Business Card
Ink Business Unlimited® Credit Card
On Chase Bank USA, NA's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Ink Business Unlimited® Credit Card earns an elevated cash-back rate on all purchases, with the added perk of offering a low introductory APR for businesses who need payment flexibility.
Why we like it
This card comes with a well-rounded set of features so businesses don’t need to choose between welcome offers, an intro APR or ongoing rewards.
What we don’t like
To unlock maximum value from your rewards, you’ll need to pair this card with another credit card that earns Chase Ultimate Rewards.
Who it’s best for
Business owners who prefer simple rewards.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.
Pros & Cons
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- Not a good card for balance transfers
Card Details
- Earn $750 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Airline Cards 2024
Best Business Card for Coast-To-Coast Flights
JetBlue Business Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6X Reward Rate
6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases
Welcome Bonus
Earn up to 60,000 bonus points
Annual Fee
$99
Regular APR
21.24% or 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The JetBlue Business Card* offers excellent value to JetBlue loyalists, with anniversary points, award rebates and a path to earn Mosaic status.
Why we like it
This card comes loaded with benefits when flying JetBlue.
What we don’t like
JetBlue routes are relatively limited, which might mean fewer options for redemptions that are interesting to you.
Who it’s best for
Business owners who frequently fly from coast to coast.
Expert Commentary
Adam Frankel
Credit Cards Writer
With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.
Adam Frankel
Adam Frankel
Credit Cards Writer
With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.
Credit Cards Writer
The JetBlue Business card is a no-brainer for anyone who flies the airline with a companion at least once a year, since the free checked bag perk alone can be worth more than the card’s annual carrying cost.
Pros & Cons
- Earn Mosaic Elite status upon spending $50,000 annually
- Free first checked bag for you and up to 3 companions
- No foreign transaction fee
- No intro APR offer
- Limited redemption options
- Points have a fixed value
Card Details
- Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
- 6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases
- Earn 5,000 bonus points every year after your account anniversary
- Redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary
- Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
- Set controls on employee cards for credit lines, single purchase limits, or cash access; receive consolidated statement with all expenses and employees can access individual statement online
Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Midrange Airline Business Card
Southwest® Rapid Rewards® Premier Business Credit Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel andRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Southwest® Rapid Rewards® Premier Business Credit Card provides perks like an annual points bonus, Early Bird check-in passes and 25% off in-flight purchases which help to justify this card’s annual fee.
Why we like it
Cardholders interested in earning status can make great use of the ability to earn unlimited tier qualifying points through business spending.
What we don’t like
Southwest doesn’t have any partner airlines, so you’ll be committed to redemptions specifically on Southwest.
Who it’s best for
Business owners who want to earn Southwest points.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is an excellent pairing to a Southwest personal card for anyone aiming to earn a coveted Southwest Companion Pass while taking on a lower annual fee. But for the more loyal Southwest passenger, the Southwest Rapid Rewards Performance Business card, with its added perks and higher welcome offer, is likely the better option.
Pros & Cons
- Generous welcome bonus
- High rewards rate on several methods of travel
- Annual 6,000 points bonus
- $99 annual fee
- Travel insurance protections are limited to baggage
- Increased point earnings on hotel and car rentals are limited to Rapid Rewards partners
Card Details
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for United flyers
United℠ Business Card
On Chase Bank USA, NA's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 2x Rewards Rate
Earn 2 miles per $1 spent on United purchases, dining (including eligible delivery services), at gas stations, office supply stores,Read More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$0 intro annual fee for the first year, then $99
Regular APR
21.99% - 28.99% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The United℠ Business Card gives cardholders special treatment throughout their journey with perks when flying plus easy-to-earn airline miles on spending.
Why we like it
This card pairs beautifully with United personal credit cards by offering an annual 5,000-mile bonus for holding both a personal and business version.
What we don’t like
Purchases on United Airlines earn a measly 2 points per dollar, which isn’t very inspiring for a co-branded card.
Who it’s best for
Business owners who want perks when flying United.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
Business cardholders are incentivized with 5,000 anniversary bonus miles to maintain a personal United credit card as well, which might make sense for die-hard United fliers. Two free United Club passes provide a soft landing for long layovers.
Pros & Cons
- Robust set of travel perks and benefits
- Option to earn annual bonus miles and credits
- No foreign transaction fee
- Employee cards at no additional cost
- High standard APR
- No intro APR offer
- High penalty APR
- Very high balance transfer and cash advance fees
Card Details
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Domestic Flights
Southwest® Rapid Rewards® Performance Business Credit Card
On Chase Bank USA, NA's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 4X Reward Rate
Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel andRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$199
Regular APR
21.49% - 28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Southwest® Rapid Rewards® Performance Business Credit Card is loaded with premium benefits and reward bonuses on more than just Southwest purchases.
Why we like it
Southwest packaged benefits that cover your entire flying experience from the security lines to in flight to award redemptions.
What we don’t like
Despite the premium annual fee, cardholders will still need to qualify for A-List status.
Who it’s best for
Business owners who prefer budget flights.
Expert Commentary
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Lee Huffman
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Credit Cards Expert Writer
Frequent Southwest travelers can find huge value in the 365 inflight Wi-Fi credits per year. This benefit helps travelers stay connected with the office (and family) during their flight so they can hit the ground running once the plane lands.
Pros & Cons
- No foreign transaction fee
- Earn A-list status faster
- Rich set of flight benefits
- High penalty APR
- Base rewards rate is only 1 point per $1 spent
- No intro APR offer
Card Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Hotel Cards 2024
Best for Long Business Trips
IHG One Rewards Premier Business Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 26X Reward Rate
Earn up to 26 total points per $1 spent when you stay at an IHG hotel; 5 points per $1Read More
Welcome Bonus
Earn 140,000 bonus points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Small business owners who regularly stay at IHG Properties will appreciate that the IHG One Rewards Premier Business Credit Card provides generous earnings for stays within the brand and valuable perks.
Why we like it
The anniversary free night alone can lead to excellent value, just for being a cardholder.
What we don’t like
Because IHG points are worth less than some other travel rewards, the earning rates aren’t as generous as they look.
Who it’s best for
Business owners who take long trips.
Expert Commentary
Anya Kartashova
Credit Cards Writer
Anya is a freelance credit cards writer and adventurer based in Salt Lake City. She has written about award travel, rewards credit cards and personal finance extensively for NerdWallet, 10xTravel and Fodor’s. She firmly believes that no one should pay full price for the opportunity to see the world, which is why her goal is to travel by reaping the benefits of rewards credit cards and to help others do the same.
Anya Kartashova
Anya Kartashova
Credit Cards Writer
Anya is a freelance credit cards writer and adventurer based in Salt Lake City. She has written about award travel, rewards credit cards and personal finance extensively for NerdWallet, 10xTravel and Fodor’s. She firmly believes that no one should pay full price for the opportunity to see the world, which is why her goal is to travel by reaping the benefits of rewards credit cards and to help others do the same.
Credit Cards Writer
The anniversary free night that comes with the IHG One Rewards Premier Business Card makes this card a keeper year after year. The key is to use it for a hotel room that costs more than $99 per year, which isn’t hard to do. The certificate can be exchanged for a free night worth up to 40,000 IHG One Rewards points. However, if the room rate is higher, it’s possible to top it off with points from your IHG account.
Pros & Cons
- Get a free anniversary night certificate
- Redeem three award nights, get the fourth night free
- Includes Platinum Elite status
- IHG One Rewards are worth less than a penny a point on most redemptions
- The $50 United Travel Bank credit can be complicated to maximize
Card Details
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Businesses
World of Hyatt Business Credit Card
On Chase Bank USA, NA's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
60,000 Bonus Points
Annual Fee
$199
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The World of Hyatt Business Credit Card offers one of the best paths to earning Hyatt points. Statement credits and tier-qualifying nights are also easy wins for brand loyalists.
Why we like it
The card also unlocks the ability to gift Discoverist status to up to five employees, which can be a great incentive.
What we don’t like
The annual fee is high compared to other mid-tier hotel credit cards.
Who it’s best for
Business owners who prefer a top-notch hotel experience.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is strategic for any Hyatt loyal business owner, but especially for those chasing Hyatt status. With its ability to earn five elite nights for every $10,000 spent on the card, cardholders are given an easier path toward valuable Globalist status via spending, making it a great complement to nights actually spent in Hyatt hotels.
Pros & Cons
- Welcome bonus
- Solid earnings rates
- Automatic Discoverist status
- Annual fee
- Low earning rate for non-bonused spending
- Base level status with the card offers limited benefits
Card Details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Road Warriors
Wyndham Rewards Earner® Business Card *
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 8X Reward Rate
Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases. Earn 5 points per $1 spent onRead More
Welcome Bonus
Up to 100,000 bonus points
Annual Fee
$95
Regular APR
21.24% - 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The Wyndham Rewards Earner® Business Card* earns at industry-leading rates on gas and eligible hotel stays, with discounted rates and elite status as worthy extras.
Why we like it
Cardholders can earn points quickly thanks to high multipliers on some spending categories.
What we don’t like
Wyndham Guest Rewards expire after four years, whether or not you are active in the program.
Who it’s best for
Business owners who prefer budget hotels on the road.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
The Wyndham Rewards Earner Business Card has some of the most practical benefits for business owners who frequent Wyndham hotels. The discount on award bookings, automatic Diamond status, 15,000 points awarded on your card anniversary plus the ability to utilize points for vacation rentals, all make this card worth having even if you aren’t loyal to the brand.
Pros & Cons
- Wyndham Diamond Status, which matches to Caesar’s Diamond
- Industry leading 8 points per dollar spent on gas
- Earn 5 points per dollar on utilities, which is a category not often bonused
- Cell phone insurance in addition to 5 points per dollar earnings on cell phone bills
- 10% award redemption discount, on top of already reasonable award rates
- Wyndham is not tailored for luxury travelers
- Popular categories such as dining and non-Wyndham travel not given category bonuses
- Top-tier status at Wyndham means less than it would at other chains
Card Details
- Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening, plus an additional 50,000 bonus points after spending $15,000 on purchases within the first 12 months
- Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases
- Earn 5 points per $1 spent on marketing, advertising and utilities
- Earn 1 point per $1 spent on all other purchases
- Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
- Receive 15,000 bonus points each anniversary year
- Receive cell phone protection for the next calendar month when you pay your wireless bill with your card
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening, plus an additional 50,000 bonus points after spending $15,000 on purchases within the first 12 months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Business Card for Global Reach
The Hilton Honors American Express Business Card
On American Express's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 12X Reward Rate
Earn 12X Hilton Honors Bonus Points on eligible purchases at participating hotels and resorts within the Hilton portfolio; Earn 5XRead More
Welcome Bonus
Earn 130,000 points
Annual Fee
$195
Regular APR
20.99% - 29.99% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Hilton Honors American Express Business Cardis an easy win for regular Hilton guests: Its quarterly statement credits toward Hilton stays more than cover the cost of an annual fee.
Why we like it
The card adds ease to your work travel, thanks to automatic Gold Elite status and National Car Rental status that soften the stress of being away from home.
What we don’t like
Hilton redemptions are priced dynamically, so some stays may require an obscene amount of points.
Who it’s best for
Business owners who want a variety of hotel options.
Expert Commentary
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Barbara King
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Credit Cards Writer
The complimentary Hilton Honors Gold status granted by the card provides a daily food and beverage credit at select U.S. brands. And Gold members staying at select international Hilton brands get free breakfast, with many offering generous breakfast offerings such as full buffets.
Pros & Cons
- No foreign transaction fees
- Complimentary Hilton Honors Gold status
- Generous welcome bonus
- $240 in credits on Hilton purchases per year, $60 per quarter
- No intro APR offer
- Points have a low redemption value
- Points transfer rate to partners is a poor value
Card Details
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn5X Hilton Honors Bonus Pointson other purchases made using theHilton Honors Business Card on thefirst$100,000 in purchases eachcalendar year, 3X points thereafter.
- Enjoyup to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™Gold Status with your Hilton Honors Business Card.With Hilton Honors Gold status,you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all BasePoints you earnon every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during acalendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentaryEmerald Club® program is required. Terms apply.
- Terms apply.
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Balance Transfer Cards for Businesses 2024
Best Rewards-Earning Balance Transfer Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; Earn 3% cashRead More
Welcome Bonus
$500 cash back
Annual Fee
$0
Regular APR
19.24% - 28.24% variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
High cash back rates, a welcome bonus, no annual fee and an introductory APR that extends to balance transfers make the U.S. Bank Triple Cash Rewards Visa® Business Card* a unicorn.
Why we like it
This is an exceptionally well-rounded card that can be a great fit for businesses even after the introductory APR period.
What we don’t like
There’s a foreign transaction fee, so this card won’t be a good option for businesses that regularly make purchases in other currencies.
Who it’s best for
Business owners who want to pay down a balance transfer or large purchase over time.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Triple Cash Visa Business card is a strong option for businesses that have minimal travel needs and who are looking to maximize their cash-back earnings across a variety of spend categories. As a bonus, it offers a $100 software credit.
Pros & Cons
- No annual fee
- Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants.
- Introductory APR on purchases and balance transfers
- Reward categories may not align with how some businesses spend
- Foreign transaction fee
- There’s a balance transfer fee which can eat into your savings when transferring a balance
Card Details
- Earn $500 cash back after spending $4,500 in the first 150 days of opening the account
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the travel rewards center, 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases
- No annual fee
- $100 annual software credit for recurring software subscription expenses
Earn $500 in cash back after spending $4,500 in the first 150 days of opening the account.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Long-Term Balance Transfer Business Card
U.S. Bank Business Platinum Card *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The U.S. Bank Business Platinum does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.24% - 26.24% (Variable)
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
Small businesses that are approved for the U.S. Bank Business Platinum Card* will receive a year and a half to pay down eligible balance transfers with the intro APR.
Why we like it
Paying 0% Intro APR on purchases and balance transfers for 18 billing cycles is pretty much unbeatable and gives a long stretch of time to businesses that need it.
What we don’t like
This card doesn’t earn rewards, which limits its value after the introductory period ends.
Who it’s best for
Business owners looking for a long 0% intro APR period.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Thanks to its long intro APR offer, business owners with high upfront expenses will find most value from the U.S. Bank Business Platinum Card.
Pros & Cons
- Extra-long introductory APR on both purchases and balance transfers
- $0 annual fee
- No reward earning
- No major benefits
- High balance transfer fee
Card Details
- Generous intro APR offer on purchases and balance transfers
- Low annual fee
- Domestic service center providing 24/7 support
- Visa Spend Clarity – track spending and manage expenses
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
