7 Best Business Credit Cards for Dentists

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My father-in-law runs a dental practice in Los Angeles, and we discussed the best options when he wanted a new business credit card. 

He said dentists want a credit card with a low annual fee that earns great rewards for everyday spending.

Below is the list we came up with for the best credit cards for dentists.

1. The Blue Business® Plus Credit Card from American Express

Best for Earning Points on Large Purchases

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • bonus_miles_full
  • Potential Higher Bonus via Special Offer.
  • 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. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express (review) 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.

2. Capital One Spark Miles for Business

Best for Business Travel

2x Miles on All Purchases
Capital One Spark Miles for Business
  • bonus_miles_full
  • 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
Learn More Our Review

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.

3. Ink Business Unlimited® Credit Card

Best for Simplicity

Ink Business Unlimited® Credit Card
  • bonus_miles_full
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

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.

4. The American Express Blue Business Cash™ Card

Best for Earning Cash Back on Large Purchases

No Annual Fee
The American Express Blue Business Cash™ Card
  • bonus_miles_full
  • Potential Higher Bonus via Referral.
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).

The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses. 

5. Ink Business Preferred® Credit Card

Best for Utilities

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 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

Click Here to Learn How to Apply

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.

6. American Express® Business Gold Card

Best for Flexible Rewards

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • bonus_miles_full
  • 4x Points on Purchases in Your Top 2 Business Categories Each Billing Cycle (up to $150,000 in Combined Purchases Per Calendar Year; then 1x)
  • Up to $395 in Statement Credits Each Year.
  • No Foreign Transaction Fees
  • $295 Annual Fee ($375 if application received on or after 2/1/24) (Rates and Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The American Express® Business Gold Card (review) 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 U.S. electronic goods retailers & software/cloud system providers, U.S. monthly wireless telephone service, transit, U.S. media providers, U.S. gas stations, and U.S. restaurants (including takeout and delivery).

Plus, you can earn up to $20 in statement credits each month for purchases at FedEx, Grubhub, and office supply stores (enrollment required), and get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal).

7. Capital One Spark Cash Plus

Best for General Spending

2% Back
Capital One Spark Cash Plus
  • Earn bonus_miles_full.
  • 5% Back on Hotels and Rental Cars Booked Via Capital One Travel
  • 2% Cash Back on All Purchases
  • Extended Warranty & No Foreign Transaction Fees
  • $150 Annual Fee
Learn More Our Review

The Capital One Spark Cash Plus is great for businesses that spend a lot each year. 

The card earns 2% cash back on all purchases and comes with no preset spending limit so that it can adapt to your needs based on your spending behavior, payment history, and credit profile.

The card also earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

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