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All credit cards are rated objectively based on the features the credit card offers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Rewards Credit Cards for Travel Rewards
Ink Business Preferred® Credit Card 5
Welcome offer
*New cardholders earn a welcome bonus of 100,000 Chase Ultimate Rewards® points after spending $15,000 in the first three months.
Key Benefits
Thereafter, you can earn 3 points per $1 on up to $150,000 spent on travel; shipping; cable, internet and phone services; and advertising on social media platforms and search engines. After meeting the cap, and on all your other purchases, you earn 1 point per $1 spent.
The Business Platinum Card® from American Express 5
Welcome offer
*This card features a welcome offer of 85,000 Membership Rewards® points that you can earn by spending $15,000 on purchases within the first three months. Plus, earn 5x points in five select business categories, up to 80,000 points per category, for the first three months. American Express is a CardRatings advertiser.
Key Benefits
You will earn 5 points on flights and prepaid hotels through amextravel.com; an extra half-point (1.5 Membership Rewards® points total) per $1 spent on each purchase of $5,000 or more – up to 1 million additional points per year; and you'll earn 1 point for every $1 you spend on everything else. You can certainly receive a good amount of luxury travel perks, but you will want to consider how much travel you do in order to overcome the substantial annual fee of $595.
American Express® Business Gold Card 5
Welcome offer
*When you qualify for this card, you can earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months of opening an account.
You will earn 4x rewards for the top two select categories where your business spend the most in each billing cycle out of a list of six categories. You'll earn 1x rewards for all other purchases. This card offers good perks, but be mindful that you will have to pay a $295 annual fee.
Bank of America® Business Advantage Travel Rewards Credit Card 5
(then, 12.24% - 22.24%)
Welcome offer
*Earn 30,000 bonus points after making $3,000 in purchases within the first 90 days of account opening.
Key Benefits
Earn 3 points per every $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center; earn 1.5 points for every $1 spent on all other purchases everywhere, every time, no matter how much your spend. Points don't expire.
Rewards Credit Cards for Cash Back
Ink Business Cash® Credit Card 5
(then, 13.24% - 19.24% Variable)
Welcome offer
*New cardholders earn a $750 cash-back bonus after you spend $7,500 on purchases within the first three months of account opening.
Key Benefits
Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.
American Express Blue Business Cash™ Card 5
Welcome offer
There's not a traditional bonus, but you can take advantage of a 12-month intro period with 0% APR on purchases (then, 13.24% - 19.24% Variable). This is a great card to help get you through your startup costs.
Key Benefits
You'll also receive 2% cash back on all your eligible purchases up to $50,000 spent per calendar year, then 1%.
Bank of America® Business Advantage Cash Rewards Credit Card 5
(then, 12.24% - 22.24%)
Welcome offer
*You can get a $300 statement credit toward travel purchases after making at least $3,000 in purchases within 90 days of opening your account.
Key Benefits
New! Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Rewards Credit Cards for Low Rate
Ink Business Cash® Credit Card 5
Welcome offer
New cardholders earn a $750 cash-back bonus after you spend $7,500 on purchases within the first three months of account opening.
Key Benefits
Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.
American Express Blue Business Cash™ Card 5
Welcome offer
There isn't a traditional bonus, but you can take advantage of a 12-month intro period with 0% APR on purchases. If you need to make any big purchases to pay off gradually, this is a great card to help get you through your startup costs.
Key Benefits
This card is one of the top low-interest business credit cards that also provides good cash back benefits. Of all the top low-rate cards, this one is a great choice if you want sustained rewards.
Ink Business Unlimited® Credit Card 5
Welcome offer
New cardholders will earn $750 cash back after you spend $7,500 in the first three months of card membership. Additionally, you can take advantage of an introductory 12 months no interest on purchases (then, 13.24% - 19.24% Variable).
Key Benefits
You'll earn an unlimited 1.5% cash back on every purchase.
U.S. Bank Business Platinum Card 5
first 15 billing cycles for balances transferred within 30 days from account opening
Welcome offer
This business card does not offer a welcome bonus or an anniversary bonus, but it does offer an intro 0% APR on purchases and balance transfers (then, 9.99% - 17.99%).
Key Benefits
A 0% intro APR business credit card may offer advantages over a small business loan. If you can pay off your balance within the intro period, you won't pay interest. The other advantage over a business loan is you will not have to borrow more money than you need. This card doesn't have an annual fee so it can serve as a great low-rate financing solution to help you grow your business.
Bank of America® Business Advantage Travel Rewards Credit Card 5
Welcome offer
Earn 30,000 bonus points after making $3,000 in purchases within the first 90 days of account opening.
Key Benefits
Earn 3 points per every $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center; earn 1.5 points for every $1 spent on all other purchases everywhere, every time, no matter how much your spend. Points don't expire.
Bank of America® Platinum Plus® Mastercard® Business credit card 5
Welcome offer
Earn a $300 statement credit toward travel purchases after you spend at least $3,000 on purchases within the first 90 days.
Key Benefits
Take advantage of an introductory no interest on purchases for the first 7 billing cycles. That makes this card a great option if you’re looking to cover some startup costs or make a big purchase to take your business to the next level.
Consumer Credit Cards for Cash-Back Rewards
Chase Freedom Flex℠ 5
for 15 months (then, 14.99% - 23.74% Variable)
Welcome offer
*New cardholders earn a $200 cash-back bonus after spending only $500 in the first 3 months.
Key Benefits
Earn 5% cash back each quarter on up to $1,500 spent in categories that rotate (enrollment required); 5% cash back on travel purchased through the Ultimate Rewards® portal; 3% cash back at restaurants (including takeout and delivery); 3% at drugstores; and 1% on other eligible purchases and in the rotating bonus categories once meeting the cap.
Chase Freedom Unlimited® 5
for 15 months (then, 14.99% - 23.74% Variable)
Welcome offer
*New cardholders earn a $200 cash-back bonus after spending $500 in the first 3 months.
Key Benefits
Earn 5% cash back on travel purchased through Ultimate Rewards®; 3% cash back at restaurants (including takeout and delivery); 3% back at drugstores; and 1% cash back on other eligible purchases.
Citi® Double Cash Card - 18 month BT offer 5
for 18 months (then, 13.99% – 23.99% (Variable))
Welcome offer
*No traditional offer; intro BT offer for 18 months. (Citi is a CardRatings advertiser)
Key Benefits
Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.
Wells Fargo Cash Wise Visa® card 5
for 15 months (then, 14.49%-24.99% Variable)
Welcome offer
*New cardholders earn a $150 cash rewards bonus after spending $500 in the first 3 months.
Key Benefits
Earn 1.5% cash back on all your purchases and 1.8% cash back on qualifying digital purchases for the first 12 months of card membership.
Consumer Credit Cards for Travel Rewards
Chase Sapphire Preferred® Card 5
Welcome offer
*New cardholders earn a welcome bonus of 60,000 Chase Ultimate Rewards® points – worth up to $750 in travel – after spending $4,000 in the first three months.
Key Benefits
On an ongoing basis, you can earn 2 points per $1 spent on dining and travel as well as 1 point per $1 spent on everything else.
Chase Sapphire Reserve® 5
Welcome offer
*New cardholders earn a welcome bonus of 50,000 Chase Ultimate Rewards® points – worth up to $750 in travel – after spending $4,000 in the first three months.
Key Benefits
On an ongoing basis, you can earn 3 points per $1 spent on dining and on travel (after earning your $300 travel credit) as well as 1 point per $1 spent on everything else. Receive a $300 travel credit each year to cover travel incidentals and take advantage of complimentary airport lounge access.
Consumer Credit Cards for Balance Transfers
Citi® Double Cash Card - 18 month BT offer 5
for 18 months (then, 13.99% – 23.99% (Variable))
Welcome offer
*No traditional offer; intro BT offer for 18 months. (Citi is a CardRatings advertiser)
Key Benefits
Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.
Wells Fargo Cash Wise Visa® card 5
for 15 months (then, 14.49%-24.99% Variable)
Welcome offer
*New cardholders earn a $150 cash rewards bonus after spending $500 in the first 3 months.
Key Benefits
Earn 1.5% cash back on all your purchases and 1.8% cash back on qualifying digital purchases for the first 12 months of card membership.
For rates and fees of American Express cards mentioned in this article, please see the following links: American Express® Business Gold Card (See Rates and Fees) American Express Blue Business Cash™ Card (See Rates and Fees); The Business Platinum Card® from American Express (See Rates and Fees); The Platinum Card® from American Express (See Rates and Fees)
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