Every month we look at our favorite business credit card offers at the time based on the current welcome bonuses and the benefits of each card.
Below are our favorite credit cards for September 2022. If you are looking for a personal (non-business card), check out our recommendations for the best personal credit cards.
1. Chase Ink Business Preferred®
- Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
- 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
- 25% Additional Points Value in Travel Redemption
- Primary Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Cell Phone Protection
- Purchase Protection and Extended Warranty
- No Foreign Transaction Fees
- $95 Annual Fee
The Ink Business Preferred® is a versatile business rewards card earning 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per year in business categories, including shipping, online advertising, internet, phone, and travel.
This business card offers a lucrative bonus of 100,000 points worth $1,000 cash back or $1,250 when redeemed toward travel via Chase.
For $95 per year, the Chase Ink Business Preferred offers comprehensive protection, including trip cancellation insurance, trip delay insurance, primary rental car insurance, purchase protection, cell phone insurance, and extended warranty.
2. Chase Ink Business Cash®
- Earn a $750 Cash Welcome Bonus After Spending $7,500 in the First 90 Days
- 5% Cash Back at Office Supply Stores, Internet, Cable, Phone Services Up to $25,000 Each Account Year
- 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The no-annual-fee Chase Ink Business Cash® currently offers a $750 cash back bonus when you spend $7,500 in purchases in the first 3 months.
Plus, the Ink Business Cash earns:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.
3. United℠ Business Card
- Earn Up to 150,000 Miles: Earn 75,000 Miles after Spending $5,000 in the First 3 Months, and 75,000 Miles after Spending $20,000 in the First 6 Months
- 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
- 2 United Club One-Time Passes Per Year
- $100 United Travel Credit
- Free First Checked Bags and Priority Boarding
- Primary Rental Car Insurance
- Trip Delay and Trip Cancellation/Interruption Insurance
- $99 Annual Fee
The United℠ Business Card currently offers a huge welcome bonus of 150,000 miles in the form of 75,000 miles after spending $5,000 within three months, plus an additional 75,000 miles after spending a total of $20,000 within the first six months.
The United Business card offers nice perks on United Airlines, including:
- Two United Club lounge passes annually;
- Priority boarding for you and your companions;
- Free first checked bag for you and one companion on the same reservation;
- 25% back on in-flight purchases in the form of statement credits;
- $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
- Anniversary bonus of 5,000 miles;
- Premier upgrades on award tickets;
- Expanded award availability; and
- Ability to earn Premier Qualifying Points for United elite status with spending.
4. Ink Business Unlimited®
- Earn $750 Bonus Cash Back After Spending $7,500 in the First 90 Days
- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The no-annual-fee Ink Business Unlimited® currently offers a $750 cash back bonus when you spend $7,500 on purchases in the first 3 months.
This card offers unlimited 1.5% cash back on every purchase, and offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.
5. Blue Business® Plus Credit Card from American Express
- Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
- 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
- 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 15.49% – 23.49%.
- No Annual Fee (Rates and Fees)
The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point per dollar on all of your purchases.
The ability to earn 2x points makes the Blue Business Plus one of the best cards for everyday spending.
6. American Express® Business Gold Card
- Earn 70,000 Membership Rewards Points After $10,000 in Eligible Purchases in the First 3 Months
- 4X Points on Purchases in Your Top 2 Business Categories (up to $150,000 in Combined Purchases Per Calendar Year)
- No Foreign Transaction Fees
- $295 Annual Fee (Rates and Fees)
The American Express® Business Gold Card is a good fit for business owners who want to earn much-coveted Membership Rewards points from business spending.
For a $295 annual fee, this card earns 4x points on up to $150,000 in combined purchases per year in your top two spending categories, with options including eligible airfare, U.S. advertising, U.S. shipping, U.S. cloud, software, and hardware, U.S. gas, and U.S. dining purchases.
You can also get 25% points back when booking flights with American Express Travel using your Membership Rewards points.
7. Southwest® Rapid Rewards® Performance Business Credit Card
- Earn 80,000 Bonus Points After Spending $5,000 in the First 3 Months
- 4X Points on Southwest Airlines
- 2X Points in Ridesharing, Transit, Social Media and Search Engine Advertising, Internet, Cable, & Phone
- 9,000 Bonus Points for Each Cardmember Anniversary
- 4 Upgraded Boardings Per Year
- 365 InFlight WiFi Credits Each year
- $100 Global Entry or TSA PreCheck Credit
- $199 Annual Fee
The Chase Southwest® Rapid Rewards® Performance Business Credit Card is Southwest’s top-tier business credit card earning 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car rental partners, and 2x points on online advertising, internet, cable, phone, ridesharing, and local transit.
In addition to rewards for everyday expenses, the Southwest Performance Business card offers an enticing welcome offer of 80,000 bonus points when you spend $5,000 within your first three months.
For a $199 annual fee, you also get four upgraded boardings annually, 9,000 bonus points every cardmember anniversary, $100 Global Entry or TSA PreCheck credit every four years, and up to 365 in-flight Wi-Fi credits.
The Southwest Performance Business card also comes with lost luggage reimbursement, baggage delay insurance, secondary rental car insurance, purchase protection, and an extended warranty.
