Business Credit Cards with Rewards
Compare business reward cards to help you earn rewards as you grow your business.
Business owners across America are looking for ways to trim their expenses. One interesting way to accomplish this goal is through a business credit card with rewards. With so many options available to businesses these days, there is sure to be a credit card that will work with your company to help achieve discounts and rewards that will help with your bottom line.
Business Airline Rewards Cards
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| Delta SkyMiles® Gold Business American Express Card earns 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. This limited time offer ends 10/23/24. Additionally, if you spend $10,000 on purchases in a calendar year, you will earn a $200 Delta Flight Credit that can be used toward future travel. There are no foreign transaction fees. There is a $150 annual fee ($0 introductory annual fee for the first year).
If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Plus, you can settle into your seat sooner with Zone 5 Priority Boarding. Terms apply. | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | N/A | N/A | 20.49% - 29.49% Variable | $0 introductory annual fee for the first year, then $150 |
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| Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months. This card earns 2 miles per $1 on every purchase. There is a $95 annual fee ($0 intro annual fee for the first year). | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | N/A | N/A | 26.24% (Variable) | $0 intro for first year; $95 after that |
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| Spark Miles Select from Capital One offers a one-time bonus of 20,000 miles if you spend $3,000 on purchases within three months of account opening. This card earns 1.5 miles per dollar on every purchase. There is no annual fee. | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | N/A | N/A | 17.99% - 23.99% (Variable) | $0 |
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| American Express® Business Gold Card earns 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. This card earns 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. There is a $375 annual fee. Terms apply. | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 6 months from the date of account opening | N/A | 18.99% - 27.99% Variable | $375 |
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Disclaimer: The information for the Delta SkyMiles® Gold Business American Express Card, Capital One Spark Miles for Business, Spark Miles Select from Capital One, and American Express® Business Gold Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
Business Cash Back Rewards Cards
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| Capital One Spark Cash Plus offers a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. This card earns 2% cash back on every purchase. There is a $150 annual fee. | Card Type | Annual Fee | Business Charge Card | $150 |
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At Chase's Secure Site | | - Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
| Cash Back Rewards: Earn unlimited 1.5% cash back on every purchase made for your business Introductory Bonus Cash Back: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | Our Review: Chase Ink Business Unlimited® card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons... Read full review | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 18.49% - 24.49% Variable | $0 |
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| Capital One Spark Cash Select for Business offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of account opening. This card earns 1.5% cash back on every purchase. There is no annual fee. | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | N/A | N/A | 18.24% - 24.24% (Variable) | $0 |
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At Chase's Secure Site | | - Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
- Member FDIC
| Cash Back Rewards: 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. Introductory Bonus Cash Back: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening Bonus Cash Back: 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary | Our Review: Read this in-depth Ink Business Cash® review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 18.49% - 24.49% Variable | $0 |
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Disclaimer: The information for the Capital One Spark Cash Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
Business Credit Cards with Rewards Benefits
How to Take Advantage of Your Business Credit Card with Rewards
Explanation of Rewards Programs
Many individuals are familiar with personal credit cards with rewards programs but are unaware of the options for business credit cards. The business credit card rewards programs typically work the same as personal credit cards with similar options.
For each dollar spent with the credit card, the cardholder earns a certain number of points. Typically, cardholders will earn 1 point for each $1 but depending on the program and the purchase, they may earn as much as 6 points for each $1. Rewards for business credit cards are also very similar to those available through personal credit cards. Typically, businesses will be able to choose from cash back, travel, merchandise or gift cards.
Why Choose a Business Credit Card
Entrepreneurs and small business owners are often tempted to use their personal credit card for business purchases; especially when their personal card has a rewards program. However, the tracking and bookkeeping involved with separating personal and business expenses can be tricky. Also, these individuals may be missing out on appealing business discounts by utilizing a personal credit card alone. This is because many business credit cards come with discount programs for typical business expenses like rental cars, shipping, printing and office supplies.
How to Take Advantage of Your Business Rewards
It’s important for businesses to keep in mind that not all rewards credit cards are the same. Here are some tips when it comes time for you to shop for your company’s rewards credit card as well as some steps you can take once you have chosen the card that is right for your business.
- Look for a card that offers an introductory bonus – many cards will provide cardholders with bonus points simply for utilizing their card within the first several months of opening. While these are a one-time bonus, it helps you accrue points from the start so you can experience the benefits of the rewards.
- Use a card that has bonus categories – as mentioned previously, there are some business rewards credit cards that feature categories that receive bonus points. These may be for gas, restaurant, office supply or even advertising purchases. If you find a card that aligns with your common purchases, then you will be able to accrue points that much quicker.
- Stick to just one card – many card programs allow businesses to have cards for individual employees that link to the same account. This will allow you to accrue points in one account while still allowing multiple departments to easily make their purchases. You will also have better control over spending because you often can designate various credit limits on a per card basis.
- Utilize the card for everyday purchases – the more you use your card, the more points you can accrue. If you typically give employees cash to pick up coffee or certain supplies, have them use their company credit card instead. As long as you keep a close eye over spending so that you don’t end up paying interest on Starbucks runs, your company will win through extra rewards.
- Know the details of your program – make sure to read the fine print of your credit card terms and rewards programs. Many offer unlimited points with no expiration. But there are some programs that cap the amount of bonus points that can be accrued and require their cardholders to redeem their accrued points by a certain date each year.
These cards work well for many businesses, so if they are a good match for you, don’t let an expiration date deter you from the card. However, you will want to make sure that you are redeeming your rewards by the designated deadline or you’ll be missing out.
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