Best Business Cards
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Capital One Spark Cash Plus
Earn up to a $3,000 cash bonus
- Unlimited 2% Cash Back
- No Foreign Transaction Fees
- Extended Warranty Protection
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
Foreign Transaction Fee:
None
Annual Fee:
$150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to a $3,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Earn
up to $3,000
Cash Back
Earn up to a $3,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening
Business Card Perks
The Business Platinum Card® from American Express
Earn 120,000 Membership Rewards® Points
Business Card Perks
- Earn 1.5x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers.
It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending.
The card offers big benefits but also has a steep annual fee.
When it comes to accounting for the value of the card, I recommend considering the following:
- How much do you value the various credits?
- How much do you value the Marriott and Hilton Gold status?
- How much value will you get from Amex Fine Hotels & Resorts and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X points for each eligible purchase of $5,000 or more and every dollar spent on Eligible U.S. purchases in these select business categories (Earn 1.5X on up to $2 million of these purchases per calendar year):
- Construction material and hardware suppliers
- Electronic goods retailers and software & cloud system providers
- Shipping providers
- Earn 1x points per dollar spent on all other purchases
Foreign Transaction Fee:
None
Annual Fee:
$695
Intro Purchase APR:
0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Earn
120,000
Membership Rewards Points
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
United℠ Business Card
Earn up to 150,000 bonus miles
- Earn 2x miles on United purchases
- Annual Travel Credit
- Anniversary Bonus Miles
I love seeing card issuers get more creative with benefits, especially for loyal customers. For example, I think it’s innovative how they’re offering bonus miles if you have both a personal and business United credit card, and how they’re offering a $100 United credit if you make seven purchases of select United products for $100 each.
- 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.
Foreign Transaction Fee:
$0
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 150,000 bonus miles
- Earn 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. Earn an additional 75,000 miles after you spend $20,000 total in the first 6 months.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal 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.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash's membership service. Activate by 3/20/22.
- $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.
Earn
up to 150,000
United miles
Earn 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. Earn an additional 75,000 miles after you spend $20,000 total in the first 6 months.
Best Bonus
Ink Business Preferred® Credit Card
Earn 100,000 bonus points
Best Bonus
- Earn 3x points on travel
- Earn 3x points on shipping purchases
- Cell Phone Protection
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection.
While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
- 3x Ultimate Rewards points on travel
- 3x Ultimate Rewards points on shipping purchases
- 3x Ultimate Rewards points on internet, cable and phone services
- 3x Ultimate Rewards points on advertising purchases made with social media sites and search engines
Foreign Transaction Fee:
$0
Annual Fee:
$95
Purchase APR:
15.99%-20.99%Variable
N/A
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earn
100,000
Chase Ultimate Rewards
- 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases within the first three months of account opening.
American Express® Business Gold Card
Earn 70,000 Membership Rewards® points
- Earn 4x Membership Rewards points on airfare purchased directly from airlines
- Access to Amex Offers
- Redeem Amex Points Towards Airfare
Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the categories you use most in a billing cycle, rather than having to choose just one or two each year.
Each billing cycle you earn 4x Membership Rewards points on the two categories in which you spend the most. This can change each billing cycle based on your spending patterns. The Amex Business Gold Card offers up to 4x points in the following categories:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
- U.S. computer hardware, software, and cloud computing purchases made directly from select providers
Foreign Transaction Fee:
None
Annual Fee:
$295
Intro Purchase APR:
N/A
Balance Transfer APR:
N/A
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
- *Terms Apply
Earn
70,000
Membership Rewards Points
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Southwest® Rapid Rewards® Performance Business Credit Card
Earn 80,000 points
- Earn 4x points on Southwest Airlines purchases
- Anniversary Bonus Points
- Upgraded Boarding
If you have a small business and fly Southwest with any frequency, then the Southwest Performance Business Card is a no brainer. To start, the card has an incredible welcome bonus that could get you over $1,000 worth of travel on Southwest, plus it could get you close to earning the Companion Pass.
On an ongoing basis, the card is worth it as well. It has a $199 annual fee but offers 9,000 points per year (which I value at ~$120), plus four upgraded boardings per year, an incredible Wi-Fi benefit, and more. This card should pay for itself for anyone who flies Southwest with any frequency.
The Southwest Performance Business Card is exceptional. I would say it’s the single best Southwest Airlines credit card.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car 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.
Foreign Transaction Fee:
$0
Annual Fee:
$199
Purchase APR:
15.99% - 22.99%Variable
N/A
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- NEW! Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- NEW! 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.
- Global Entry or TSA Pre✔® Fee Credit.
Earn
80,000
Southwest miles
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
World of Hyatt Business Credit Card
Earn 75,000 Bonus Points
- Earn 4x Points at Hyatt Properties
- Complimentary Discoverist Status
- Gift Discoverist Status up to 5 Employees
- 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 12/31/22, 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.
Foreign Transaction Fee:
$0
Annual Fee:
$199
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- 75,000 Bonus Points after you spend $7,500 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 12/31/22, 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
Earn
75000
World of Hyatt Points
Earn 75,000 Bonus Points after you spend $7,500 on purchases in your first 3 months from account opening.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Earn 65,000 miles after qualifying purchases
- Earn 2x AAdvantage miles on eligible American Airlines purchases
- First Checked Bag Free
- American Airlines Companion Certificate
The Citi AAdvantage Business Card offers an excellent welcome bonus with an annual fee that’s waived for the first year. 65,000 miles is a great bonus, and is a great reason to pick up this card and see how it works out for your small business. Furthermore, the first checked bag free benefit could more than justify the annual fee after the first year for many.
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases
OMAAT Resources
Foreign Transaction Fee:
0%
Annual Fee:
$99, waived for first 12 months
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- No Foreign Transaction Fees
Earn
65,000
AAdvantage miles
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Night Award
Marriott Bonvoy Business™ American Express® Card
75,000 Bonus Points + up to $150 in Statement Credits
Night Award
- Earn 6x points at Marriott
- Free Night Award Annually
- 15 Elite Nights Towards Status Annually
The Marriott Bonvoy Business Card is a strong contender for a business card to hold on to long term. The 15 elite nights towards status (which can be stacked with a similar offer on a personal card), as well as an annual free night award are a great value proposition. I value those perks at way more than the $125 annual fee.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$125
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Delta SkyMiles® Reserve Business American Express Card
Earn 60,000 Bonus Miles, 10,000 Bonus MQMs & a $100 Statement Credit
- Earn Medallion Qualifying Miles (MQMs)
- Complimentary Delta SkyClub Access
- Annual Companion Certificate
This card won’t be for everyone, but if you’re a Delta loyalist who wants to earn MQMs through credit card spend and values SkyClub access, this is a great option. The SkyClub access and companion certificate can more than cover the annual fee, and then there are many other benefits to enjoy.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex: you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
Foreign Transaction Fee:
None
Annual Fee:
$550
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex: you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Pay no foreign transaction fees when you spend overseas.
- Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
- Terms and limitations apply.
Earn
60,000
Delta SkyMiles
Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
Southwest® Rapid Rewards® Premier Business Credit Card
Earn 60,000 points
- Earn 3x points on Southwest Airlines purchases
- Earning Southwest Companion Pass
- Anniversary Bonus Points
The Southwest Premier Business Card is a good entry-level Southwest business credit card with an especially good sign-up bonus, and the $99 annual fee is largely offset by the 6,000 point anniversary bonus.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
Foreign Transaction Fee:
$0
Annual Fee:
$99
Purchase APR:
15.99% - 22.99%Variable
Intro Balance Transfer APR:
N/A
- 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.
- NEW! Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car partners.
- NEW! Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- NEW! 2 EarlyBird Check-In® each year.
- Earn unlimited tier qualifying points towards A-List status.
Earn
60,000
Southwest miles
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Ink Business Unlimited® Credit Card
Earn $750 cash back
- Earn unlimited 1.5% cash back on all purchases
- Car Rental Coverage
- Extended Warranty Protection
The Ink Business Unlimited is the single best rewards credit card for everyday, non-bonused spending, without any sort of caps. The Ink Unlimited is a phenomenal card to consider for the 1.5x points, especially in conjunction with a card earning Ultimate Rewards points.
- Earn an unlimited 1.5% cash back on all purchases
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening,then a 13.24% - 19.24% variable APR
N/A
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Earn
$750
Cash Back
$750 bonus cash back after spending $7,500 within three months of account opening
Ink Business Cash® Credit Card
Earn $750 Cash Back
- Earn 5% Cash Back at office supply stores
- Earn 5% Cash Back on internet, cable TV, mobile phones, and landlines
- Car Rental Coverage
The Ink Business Cash is one of the most rewarding business credit cards out there. The key is that I wouldn’t recommend using this as your primary business credit card for everyday spending. Rather use this as a complement to your overall card portfolio.
The 5x points categories are really spectacular, so use those as much as possible. In conjunction with Ultimate Rewards, I value the 5x points at a return of 8.5%.
- The Ink Cash Card offers 5% cash back (or 5x points) on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines
- The Ink Cash Card offers 2% cash back (or 2x points) on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations
- The Ink Cash Card offers 1% cash back (or 1x points) on all other purchases
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening,then a 13.24% - 19.24% variable APR
N/A
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Earn
$750
Cash Back
- $750 bonus cash back after spending $7,500 within three months of account opening
Delta SkyMiles® Gold Business American Express Card
Earn 50,000 bonus miles & a $50 Statement Credit
- Earn 2x SkyMiles on purchases directly with Delta
- Delta Flight Voucher
- 20% Delta Inflight Savings
This card can be worth holding onto for the first checked bag free, priority boarding, inflight savings, access to Pay With Miles, Amex Offers, and more. In other words, for someone who flies Delta occasionally and qualifies for small business cards, I think this is the best card to get, and the benefits can more than offset the annual fee.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Foreign Transaction Fee:
None
Annual Fee:
$0 introductory annual fee for the first year, then $99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
- Additionally, take $100 off your next Delta flight - after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Earn
50,000
Delta SkyMiles
Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
Delta SkyMiles® Platinum Business American Express Card
Earn 60,000 Bonus Miles, 5,000 Bonus MQMs & a $100 Statement Credit
- Earn 3x SkyMiles for purchases directly with Delta
- First Checked Bag Free
- Annual Companion Certificate
This is a solid card in terms of the perks for those who fly Delta frequently, especially Medallion members. For many, the annual companion certificate will more than justify the annual fee in and of itself, without even accounting for all of the other perks. Some will also find it worth spending money on the card, either to get an MQD waiver, or to earn MQMs for spending.
- Earn 3 miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
- Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year.
- Earn 1 mile on every eligible dollar spent on other purchases.
Foreign Transaction Fee:
None
Annual Fee:
$250
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
- Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
- Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
- Terms and limitations apply.
Earn
60,000
Delta SkyMiles
Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
The Hilton Honors American Express Business Card
Up to 180,000 Points
- Earn 12x points at Hilton Hotels
- Free Up to Two Weekend Night Reward With Spending
- Hilton Honors Gold Status
The Hilton Business Card is the only co-brand business card offered by Amex and Hilton, and it offers some fantastic perks.
Just for having the card you get Gold status, which should more than justify the annual fee after just a couple of stays. On top of that, the card can be worth spending money on, for the weekend night rewards and Diamond status.
Even if you don’t stay at Hiltons that often, this card is well worth it, in my opinion.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
Foreign Transaction Fee:
None
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Earn
Up to 180,000
Hilton Honors Points
Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Business Green Rewards Card
Earn 25,000 Membership Rewards® points
The card details for the Business Green Rewards Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.- Earn 2x points per dollar spent at amextravel.com
- Access to Amex Offers
In general, I see what American Express is going for with the Green Rewards Card. This is a great mid-range business card from American Express that earns Membership Rewards points, with a modest annual fee.
- 2x Membership Rewards points for each dollar of eligible purchases made when booking on the American Express Travel website
- 1x Membership Rewards points on all other purchases
Foreign Transaction Fee:
2.7%
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
Earn
25,000
Membership Rewards Points
Earn 25,000 Membership Rewards® points after you spend $3,000 on eligible purchases on your new Card within the first 3 months of Card Membership.
The Blue Business® Plus Credit Card from American Express
Earn 15,000 Membership Rewards
- 2x points on purchases up to $50k then 1x
- Access to Amex Offers
If you’re into collecting points then the Blue Business Plus Card is an absolute must. Earning 2x Membership Rewards points, which I value at a ~3.4% return, is unrivaled. Best of all, you’re getting all of this with a no annual fee card that earns points that can be transferred to airline and hotel programs.
Earn 2X Membership Rewards® points on everyday business purchases. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
OMAAT Resources
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0% on purchases for 12 months from the date of account opening, then a 13.24% - 19.24% variable APR
Intro Balance Transfer APR:
N/A
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Earn
15,000
Membership Rewards Points
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.
American Express Blue Business Cash™ Card
$250 statement credit
- 2% cash back up to $50k then 1%
- Access to Amex Offers
- Extended Warranty Protection
If you have a small business and are looking for a no annual fee, straightforward business credit card that earns cash back, then the Blue Business Cash is pretty tough to beat, at least for the first $50,000 spent.
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.
OMAAT Resources
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%
Intro Balance Transfer APR:
N/A
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Marriott Bonvoy™ Business American Express® Card (CA)
Earn up to 85,000 points
- Earn 3 points for every $1 in Card purchases on eligible gas, dining and travel
- Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties.
- Earn 2 points for every $1 in purchases charged to the Card everywhere else
Foreign Transaction Fee:
2.50%
Annual Fee:
$150 CAD
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Marriott Bonvoy™ Business American Express® Card
- Earn up to 85,000 Marriott Bonvoy™ points. Earn 70,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Plus, earn 5 points for every $1 in Card purchases on eligible Gas, Dining and Travel (excluding lodging) for the first three months of Cardmembership.
- Receive an Annual Free Night Award automatically each year after your anniversary.
- Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year
- Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
- You can earn 3 points for every $1 in Card purchases on eligible gas, dining and travel
- Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every $1 in purchases charged to the Card everywhere else
- Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
- Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Earn
up to 85,000
Marriott points
Earn up to 85,000 Marriott Bonvoy™ points. Earn 70,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Plus, earn 5 points for every $1 in Card purchases on eligible Gas, Dining and Travel (excluding lodging) for the first three months of Cardmembership.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
$300 statement credit offer
- 1.5% cash back for every $1 spent on all purchases
- No Annual Fee
- Excellent Welcome Bonus
Earn unlimited 1.5% cash back for every $1 spent on all purchases everywhere, every time
Foreign Transaction Fee:
3% of the U.S. dollar amount of each transaction
Annual Fee:
$0
Intro Purchase APR:
0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
Intro Balance Transfer APR:
N/A
- Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
- Earn unlimited 1.5% cash back on all purchases everywhere, every time
- No annual cap and cash rewards don’t expire
- No annual fee
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you
- 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
$300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Capital One Spark Miles for Business
Earn a one-time bonus of 50,000 miles
- Unlimited 2x miles per dollar
- No Foreign Transaction Fees
- Primary Car Rental Coverage
The Capital One Spark Miles is more lucrative than ever before. The card offers unlimited 2x Spark miles, and those miles can be redeemed for one cent each towards a travel purchase, or can be transferred to an airline or hotel partner at a ratio of up to 2:1.5.
If you have a business where you spend a lot in categories that otherwise don’t quality for bonus points on other cards, I’d say this is an excellent option, as it’s extremely well rounded.
Earn unlimited 2X miles per dollar on every purchase
OMAAT Resources
Foreign Transaction Fee:
None
Annual Fee:
$0 intro for first year; $95 after that
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Earn
50,000
Capital One miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
The Plum Card® from American Express
- Early Pay Discount
- No Foreign Transaction Fees
For small business owners in a position to pay off their charges early, this card is hard to beat.
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Foreign Transaction Fee:
None
Annual Fee:
$250
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.
- Terms & Restrictions Apply.
There is currently no welcome bonus for this card.