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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 120,000 Membership Rewards® points that you can earn by spending $15,000 on eligible purchases within 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 eligible purchases in select business categories as well as on each purchase of $5,000 or more, up to a cap; and you'll earn 1 point for every $1 you spend on other eligible purchases. 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 ($695 if application is received on or after 1/13/2022).
American Express® Business Gold Card 5
Welcome offer
*When you qualify for this card, you can earn 70,000 Membership Rewards® points after you spend $10,000 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.
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
Earn a $250 statement credit when you spend $3,000 in the first 3 months. You can also 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
Earn a $250 statement credit when you spend $3,000 in the first 3 months. You can also 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.
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.
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. Plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
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. Plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
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.
Consumer Credit Cards for Travel Rewards
Chase Sapphire Preferred® Card 5
Welcome offer
*New cardholders earn 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 5 points on travel booked through the Ultimate Rewards® portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point per $1 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, earn 5 points on air travel and 10 points on car rentals and hotels when you book through the Ultimate Rewards® portal (on purchases not eligible for the annual travel reimbursement); earn 3 points per $1 on all dining and on other travel (after earning your annual $300 travel credit). Earn 1 point per $1 elsewhere. 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.
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; terms apply) American Express Blue Business Cash™ Card (See Rates and Fees; terms apply); The Business Platinum Card® from American Express (See Rates and Fees; terms apply)