Best Business Credit Cards Of February 2024 (2024)

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

Frequent business travelers who spend generously within the bonus categories will find extreme value in this card.

• Earn 100k bonus points after you spend $8,000 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 Travel℠
• 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
• 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.
• 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 Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

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On American Express's Website

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The Business Platinum Card® from American Express is the quintessential status card for high-spending, frequent-flying business owners and their employees. If sufficiently leveraged, the card’s robust benefits are well worth the high annual fee.

• 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.
• 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 (that’s an extra half point per dollar) on each eligible purchase 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

If you don’t mind the annual fee, few other business cards offer the same bang for the buck. Packed with perks, this card is an ideal travel companion with an easy rewards structure. Those that can use the travel-focused benefits and charge enough to earn the early spend bonus will fare best.

• Earn 2 miles per dollar spent on every purchase
• Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
• Annual $300 travel credit for bookings through Capital One Travel
• 10,000 bonus miles each year after the first membership anniversary

Here’s an excellent fit for small business owners who want a simple rewards program without spending caps or rotating categories. No annual fee and unlimited 1.5X miles make this a cost-efficient business rewards card.

• Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
• No annual fee
• Use your miles on flights, hotels, vacation packages and more—you can use your miles to cover eligible travel purchases to over a dozen travel partners
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Free employee cards which also earn unlimited 1.5X miles from their purchases

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The Blue Business Plus card is a rare example of a no-annual-fee way to game your rewards earnings. You’ll earn 2X points on all purchases up to $50,000 per year. It’s a perfect fit if your business is small enough to spend less than $50,000 per year. If not, spend up to the $50,000 max, then switch to another card for the rest of the year’s purchases. You’ll win either way.

• 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.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• 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 us, and other factors.
• No Annual Fee
• Terms Apply

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Considering there’s no annual fee, the American Express Blue Business Cash™ Card pays off for business owners who spend $50k or less per year. Just don’t use the card overseas, as the foreign transaction fee eclipses the cashback rewards.

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• 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 us and other factors.
• No Annual Fee
• Terms Apply

Business owners who want a simple, no-hassle cashback program and spend generally across categories will gain solid rewards from this card.

• Earn up to a $3,000 cash bonus, $1,500 earned after spending $20,000 in the first three months plus an additional $1,500 after spending $100,000 in the first six months
• Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
• $150 annual fee
• Free employee cards, which also earn unlimited 2% cash back on all purchases
• Get your annual fee refunded every year you spend $150,000
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

For business owners who value simplicity, this is a great all-rounder with no annual fee. You’ll get unlimited 1.5% cashback rewards on all purchases, plus a welcome bonus. However, what’s missing is an intro APR offer.

• Earn unlimited 1.5% cash back on eligible purchases
• Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
• No annual fee

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

Offers enticing cash rewards for those with significant business-related spending, with an added bonus of 0% introductory APR on purchases for the first 12 months of opening your account.

• Earn $750 bonus cash back after you spend $6,000 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
• 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.
• 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

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.

• Earn $750 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

The Barclays JetBlue Business Card is fantastic for business owners who plan to travel frequently on JetBlue. Spending at least $50,000 annually on purchases will get you to JetBlue Mosaic status. You’ll earn up to 6 points per $1 spent, plus receive 5,000 annual bonus points. However, point redemptions are only available on JetBlue and Hawaiian Airlines flights, which is a significant limitation for many.

• Earn up to 60,000 bonus points: Earn 50,000 bonus points after spending $4,000 on purchases. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card, both in the first 90 days.
• 6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases
• Earn 5,000 bonus points every year after your account anniversary
• Redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary
• Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
• Set controls on employee cards for credit lines, single purchase limits, or cash access; receive consolidated statement with all expenses and employees can access individual statement online

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On Chase Bank USA, NA's Website

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Here is the card of choice for business fliers on Southwest who want to earn rewards, but don’t want to pay a higher annual fee for some extra perks. The signup bonus will get you halfway to the cherished companion pass, and you’ll earn tier qualifying points toward A-list status.

• 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.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.
• Member FDIC

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On Chase Bank USA, NA's Website

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The United Business Card combines a solid set of benefits, a moderate annual fee and a large welcome bonus.

• Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase 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.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
• Member FDIC

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

Frequent fliers on Southwest will have a hard time finding a better deal than the Southwest Rapid Rewards® Performance Business Credit Card. The massive welcome bonus will get you most of the way to that beautiful companion pass, and the ongoing rewards and perks are world-class. It’s well worth the hefty annual fee, and then some.

• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest® purchases.
• Earn 3X points on Rapid Rewards® hotel and car rental 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.
• 4 Upgraded Boardings per year when available.
• Member FDIC

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With a generous welcome bonus, an anniversary night awarded upon renewal and the fourth night free on award bookings, the IHG One Rewards Premier Business card offers a myriad of ways to be rewarded.

• Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
• Member FDIC

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain.

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
• 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 12/31/24, 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
• Member FDIC

Best in class earnings on gas station purchases mean road warriors will rack up points quickly. With a Wyndham at almost every highway exit you’ll never lack for options to spend your points.

• Earn 45,000 bonus points after spending $3,000 in the first 90 days
• Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases
• Earn 5 points per $1 spent on marketing, advertising and utilities
• Earn 1 point per $1 spent on all other purchases
• Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
• Receive 15,000 bonus points each anniversary year
• Receive cell phone protection for the next calendar month when you pay your wireless bill with your card

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On American Express's Website

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For a modest $95 annual fee, the Hilton Honors American Express Business Card delivers remarkable value to Hilton loyalists. The 10 complimentary lounge visits issued each Priority Pass Membership year with this card are worth about $300 annually, plus you’ll earn Hilton Honors Gold status.

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
• Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
• Terms apply.

Even without the balance transfer option the U.S. Bank Triple Cash Rewards is an attractive option with a generous welcome bonus and enhanced earnings in categories that align with many businesses’ spending. The extended introductory 0% APR period is icing on an already tasty cake.

• Earn $500 cash back after spending $4,500 in the first 150 days of opening the account
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the travel rewards center, 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases
• No annual fee
• $100 annual software credit for recurring software subscription expenses

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On U.S. Bank's Website

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On U.S. Bank's Website

There are no rewards, but a long intro APR period can give your business serious wiggle room to pay down debt or self-finance larger purchases.

• 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
• Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
• Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
• Terms and conditions apply