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 this month. If you are looking for a personal (non-business card), check out our recommendations for the best personal credit cards.
Ink Business Preferred® Credit Card
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- 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® Credit Card (review) is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.
With this card, you’ll earn:
- 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
- 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.
Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:
- Primary rental car insurance (when renting for business purposes).
- Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
- Purchase and extended warranty protection.
Ink Business Unlimited® Credit Card
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- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Unlimited® Credit Card (review) is a valuable no-annual fee option for entrepreneurs and small business owners looking for simplicity and value.
This card offers a straightforward rewards structure, with 1.5% cash back on all purchases, making it easy for you to keep track of your rewards.
It also pairs well with the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® (review), which unlocks the ability to convert the Ink Business Unlimited cash back to airline or hotel points from any of Chase’s transfer partners.
This combo allows you to effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.
Ink Business Cash® Credit Card
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- 5% Cash Back at Office Supply Stores, Internet, Cable, and 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 Ink Business Cash® Credit Card (review) is a no annual fee card offering:
- 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.
- 1% cash back on all other purchases.
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.
Capital One Spark Miles for Business
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- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- 2x Miles On Every Purchase
- Global Entry or TSA PreCheck Credit
- No Foreign Transaction Fees
- $0 Intro Annual Fee for the First Year, $95 Thereafter
- Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.
The card earns unlimited 5X miles on hotels and rental cars booked through Capital One Travel. It also earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.
The Spark Miles also offers a statement credit for your Global Entry or TSA PreCheck application (up to $100) and no foreign transaction fees.
IHG® Rewards Premier Business Credit Card
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- 10x at IHG Hotels & Resorts
- 5x Points on Travel, Dining, Select Business, and at Gas Stations
- Free Anniversary Free Night
- IHG Platinum Elite Status
- $99 Annual Fee
The Chase IHG® Rewards Premier Business Credit Card is a good option if you spend a few nights a year at an IHG Hotels and Resorts such as the Holiday Inn, Kimpton, Intercontinental, Hotel Indigo, or Crowne Plaza.
Cardmembers earn 10 points per dollar at IHG Hotel and Rewards, 5 points per dollar on travel, dining, select business, and at gas stations, and 3 points per dollar on all other purchases.
Plus, you get nice perks such as IHG Platinum Elite status, a free anniversary free night, fourth night free on award stays, purchase protection, and Global Entry, TSA PreCheck, or a NEXUS statement credit.
Hilton Honors American Express Business Card
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- Complimentary Hilton Honors Gold Status
- 12X Points at Hilton Properties
- 6X Points at U.S. Gas Stations and U.S. Restaurants
- 10 Complimentary Priority Pass Lounge Visits
- $95 Annual Fee (rates & fees)
The Hilton Honors American Express Business Card offers complimentary Gold status with the chance to upgrade to Diamond status upon hitting the $40,000 spending threshold.
For a low annual fee of $95, this business card earns 12x Hilton Honors points at Hilton properties and 6x points in several categories:
- U.S. restaurants
- U.S. gas stations
- U.S. shipping purchases
- Wireless phone services with U.S. service providers
- Flights booked directly with airlines or with amextravel.com
- Car rentals booked directly from select car rental companies
The Hilton Honors Business card also offers a free night reward after spending $15,000 and a second free night reward after spending $45,000 per year.
Plus, you receive 10 free Priority Pass visits to airport lounges worldwide.
Blue Business® Plus Credit Card from American Express
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- 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, reg_apr,reg_apr_type APR.
- No Annual Fee (rates & 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 on all other eligible purchases.
You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.
I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.
American Express® Business Gold Card
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- 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 receive 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
Southwest® Rapid Rewards® Performance Business Credit Card
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- 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 Southwest® Rapid Rewards® Performance Business Credit Card (review) 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.
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.
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
