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Which Business Credit Card Is Best? We’ve Done the Research!

Which Business Credit Card Is Best? We’ve Done the Research!

ScottWhich Business Credit Card Is Best? We’ve Done the Research!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Scott:   Wondering what’s the best business credit card?  We’ve carefully examined all the top offers!  Here we’ll help you easily choose the best business credit card for travel, browse through the best business credit cards with no annual fee, and more!

Pick the Best Business Credit Card to Match Your Style

Folks with small business credit cards have lots of ways to earn miles, points, and cash back.  Besides valuable welcome bonuses, business credit cards typically have excellent bonus spending categories.  This means you can earn points faster when making purchases for your business.

Now we’ll help you pick which business credit card is best for YOU!

Best Business Credit Card

Find Out Which Is The Best Business Credit Card
Small Business Owners: Reward Yourself by Saving BIG on Vacations to Tropical Paradises by Earning Valuable Travel Miles & Points Throughout the Year With Your Business Credit Card!

How We Selected the Best Small Business Credit Card Offers

Gosh, there are SO many different business credit cards!  We filtered through them all, investigating appealing categories like airline miles, all-purpose travel miles, cash back, no annual fee, and which business credit cards are suitable for a new business.

We examined…

The Bonus Offer:   Credit card companies make money every time you use their card and when you pay them interest (so pay those bills on time!)  To entice you to become their customer, they give you an opportunity to earn a ton of miles or cash when you first open the new card.  Some bonuses are VERY generous — but some are not!  We deleted all the cheapskate sign-up bonuses and kept only the cards with big offers.

Minimum Spending Requirement:  So what’s the “catch” to the bonus offer?  You have to spend a certain amount on your new card within a certain time frame.  Smaller spending requirements that make it easier for you to unlock the bonus make the card offer more favorable in our opinion.  At Million Mile Secrets we want you to earn that bonus!  Because we want to see your Success Story!

It’s so awesome to see how regular business owners like you get to travel First Class, stay in luxurious hotels, or earn lots of cash using our tips and tricks.  I loved the story of our reader Darren who owns a property management company.  He treated his family of 6 to Greece, Egypt, London, Montreal, and New York City using travel miles.  And they flew in Business Class!  Nice.

Ongoing Bonus Opportunities:   We prefer business credit cards that KEEP rewarding you, even after you earn the initial big sign-up bonus.

Benefits:   These can be a difference maker!  Airport lounges, no foreign transaction fees, TSA PreCheck… perks can save you money AND time.

Having a small business card is also a terrific way to stay organized.  Because you can separate personal and business expenses, which makes it easier to track your spending.

We ranked the best business credit cards by category to help you decide which is a good fit for your situation.

Find Out Which Is The Best Business Credit Card
This Guy Owns a Hipster Coffee Shop / Bicycle Repair / Artisan Gluten Free Bakery. And I Recommend He Put His Expenses on a Business Credit Card to Earn Travel Miles and Cash Back!

Who Qualifies for Business Credit Cards?

Qualifying for a business credit card might be easier than you realize.  You don’t need to own a huge multi-million dollar corporation.  In fact, you don’t even need to be officially registered as a business on a local or state level, or even with the IRS, to qualify for the best small business credit card offers.

But you’ll have to show the bank that you’re operating a for-profit venture.  This can be any side income you generate for performing a service or selling goods whether it’s working as a freelancer or selling items on Etsy.  And anything you do as an independent contractor may also count, especially if you get a 1099 form for it!

Plus, you can apply for a business credit card as a sole proprietor by using your social security number on the application!  I’ve done this.  And team members Keith and Meghan have too.

Find Out Which Is The Best Business Credit Card
You Can Apply for a Business Credit Card Using Your Social Security Number!

The good news is most banks do NOT have any minimum business income requirements for opening business credit cards.  And remember that having a business banking relationship is NOT a requirement for getting a credit card!  So you’re eligible to apply for business credit cards even if you don’t make deposits for your business at the bank that issues the card.

Keep in mind, some folks keep multiple business credit cards open at the same time.  For example, Million Mile Secrets team member Keith has 4 small business cards for his eBay drop shipping business.

And even though he doesn’t generate a huge profit for his business, he’s been able to get more than one business credit card from the same credit card company.  This means an opportunity to earn multiple intro bonuses!

Now that you know how to make yourself eligible for business credit cards, let’s take a look at our picks for best business credit card offers!

Best Business Credit Card Overall

Apply here:   Chase Ink Business Preferred

The Official Offer:   Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.

Now in English Please:   This is a fantastic sign-up bonus and a big reason why the Chase Ink Business Preferred is our #1 pick!

Team member Keith used the card’s sign-up bonus to book a Business Class award flight to New Zealand worth more than $4,000!

Find Out Which Is The Best Business Credit Card
Team Member Keith Used the Ink Business Preferred Business Credit Card Sign-Up Bonus to Book a Comfortable Business Class Award Seat for a Long Flight to New Zealand!

If you like basic cash back, the 80,000-point bonus offer is $800.  Prefer to trade in your points for super easy travel?  Good idea!  Because in the Chase Travel Portal (it looks and works just like Expedia or Travelocity) your Chase Ultimate Rewards points with the Chase Ink Business Preferred are worth 1.25 cents each instead of 1 cent each.  So the bonus brings you $1,000 worth of airfare, hotel stays, car rentals, and more.

Note:   I use the Chase Travel Portal and I’ve found flights to be the same price as booking other places including on the airline sites.  Hotel stays are also usually very close in price.  For car rentals, shop around.  But often the Chase portal has the best price too.

But what about fancy Business Class flights to Europe and Hawaii and New Jersey?  Now here’s where it gets REALLY fun.

With the Chase Ink Business Preferred card you can transfer your Chase Ultimate Rewards points to awesome travel partners.  For example, your 80,000 Chase Ultimate Rewards points can become 80,000 United Airlines miles or 80,000 Hyatt points.

Now think of the possibilities!  60,000 United Airlines miles is enough for a one-way Business Class flight to Europe from the US.  60,000 United Airlines miles is also enough for a round-trip flight to Europe in coach.  Remember, you’ll be earning Chase Ultimate Rewards points on all your spending.  So as your points pile up, you get closer to awesome travel.

Find Out Which Is The Best Business Credit Card
That’s Me, Scott, Soaking Up the Beauty of Blarney Castle and Gardens. You Can Use Your Ink Business Preferred to Transfer Points to United Airlines, British Airways, or Aer Lingus to Get Yourself to Ireland Too!

Another cool secret is that when you have United Airlines miles, you do NOT have to fly on United Airlines!  Crazy, right?  United Airlines has partners.  For instance, I flew on LOT Polish (a Star Alliance partner of United Airlines) from New York to Warsaw.  And I flew on TAP Portugal (another Star Alliance partner) to visit Lisbon.

Is Hawaii on your dream travel list?  OK, from the West Coast you can find pretty cheap flights.  But the rest of us often struggle with high prices.  And it’s a l-o-o-o-o-ng flight.  It’d be nice to relax and stretch out in Business Class.  So here’s what you do…

Transfer your Chase Ultimate Rewards points to Korean Air.  Hang on, it’ll make sense!  It’s that crazy partner thing again.  (I once had a crazy partner, but that’s another story!)  You can use Korean Air miles to fly on Delta!  Move 45,000 of your Chase Ultimate Rewards points to Korean Air and then you can book a round-trip Business Class flight from the continental US to beautiful Hawaii.  (I’ve been and it’s worth it!)

You might notice that 2 of these Business Class flights would cost just 90,000 Korean Air miles (transferred from 90,000 Chase Ultimate Rewards points).  The sign-up bonus is 80,000 Chase Ultimate Rewards points.  You’ll earn AT LEAST 5,000 more Chase Ultimate Rewards points from the $5,000 minimum spending requirement.  So you see how putting your business spending on the Chase Ink Business Preferred is VERY rewarding.

Find Out Which Is The Best Business Credit Card
Change of Pace: I’m Sober and the Building Is Drunk! Use Your Chase Ink Business Preferred to Fly to Poland Using Miles Instead of Money!

It’s very easy to transfer your Chase Ultimate Rewards points to partners.  Keith made a short step-by-step video to show you how!

Ongoing Earning Potential:  

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases

What counts as travel with this card is very broad!  With the card you’ll earn triple points on:

Airlines (including tickets, baggage fees, change fees, etc.)
Hotels, Motels, Timeshares, Campgrounds
Vacation rentals like Airbnb
Car rental agencies
Cruise lines
Travel agencies
Discount travel sites like Orbitz and Expedia
Trains like Amtrak, subway, and metro tickets
Buses like city bus tickets, Greyhound, Megabus
Taxis, Limos, Ride-sharing services like Uber and Lyft
Ferries
Toll bridges & highways (are you paying attention, New Yorkers?!)
Parking lots & garages

I have a buddy who advertises his frozen yogurt shop on Facebook.  With the Chase Ink Business Preferred you earn 3x points per $1 for this type of paid marketing.

Using Your Points:   It’s as I explained above.  You’ve got 3 great options.

1.   Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott (which is connected to Starwood), Singapore Airlines, and more!

2.   Use your Chase Ultimate Rewards points in their travel portal.  This is quick and easy.

3.   Cash back.

Perks:

Cell Phone Protection:   You get up to $600 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Chase Ink Business Preferred credit card.   There are a maximum of 3 claims in a 12 month period with a $100 deductible per claim.

The cell phone insurance perk actually works!  Team member Keith filed a claim online at cardbenefitservices.com and received an $85 reimbursement after he paid to replace his shattered iPhone screen.

Find Out Which Is The Best Business Credit Card
Oops! Team Member Keith Was Glad He Had the Ink Business Preferred Cell Phone Insurance to Cover Part of the Cost of Replacing the Shattered iPhone Screen!

Extended Warranty Is Clutch:   When you buy stuff with your Chase Ink Business Preferred, they add 1 extra year when the warranty is 3 years or less.

Note:  The extended warranty protection is up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year.  So sorry, your business yacht is not covered.

Rental Car Insurance:   Cardholders are covered when you rent a car with your card and decline the car rental agency’s collision damage waiver.

Rental car insurance is primary when renting for business purposes in your country of residence or outside of the country.  Otherwise, this coverage is secondary.  This could save you big bucks when renting a car!

Baggage Coverage:   If your baggage is delayed for more than 6 hours, you could be reimbursed for emergency purchases of essential items (i.e. clothing, toiletries, cell phone charging cables, and more)

You can get up to $100 per day for a maximum of 5 days.  So if the airline loses your luggage, you don’t have to attend that important business meeting in your Hawaiian shirt!

Lost Luggage:   This benefit covers the cost to repair or replace lost luggage and personal items inside.  You can be reimbursed up to $3,000 per person each trip with a limit of $500 for items such as jewelry and electronics.  So no, don’t pack your original Picasso painting.

Trip Delay Protection:   If your trip is delayed for more than 12 hours, you could be reimbursed for up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication, and other personal use items).

This is so important for when life happens!  When there’s bad weather or the airline screws up you do NOT want to be sleeping overnight in the airport with only the “generous” $25 airline voucher to fuel your hunger.

No Foreign Transaction Fee:  I simply refuse to use any credit card outside that US the slaps on an international fee.  Nope.  The Chase Ink Business Preferred doesn’t do that to you.

Employee Cards at No Additional Cost:   By adding employee cards to your account, you can set individual employee spending limits for greater control and earn rewards faster.  You’re not a greedy control freak of a boss.  You simply are careful with employee spending while slurping up their travel miles to use yourself.  Kidding!  Thank you for creating jobs.

Is the Chase Ink Business Preferred Worth the Annual Fee?   Yes.  It’s $95 for all the above.  It’s a no-brainer.

Chase Ink Business Preferred Bottom Line:   You can’t go wrong with this card.  It’s impossible.  In the absolute worst case, you earn the sign-up bonus and take home $800 minus the annual fee.  Best case, you are flying to your dream destinations and staying at luxury hotels.  Apply here:   Chase Ink Business Preferred

Best Business Credit Card With No Annual Fee

Apply here:   Ink Business Cash℠ Credit Card

The Official Offer:   With the Ink Business Cash sign-up bonus, you’ll earn $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first 3 months of account opening.

Now in Plain-Talk Please:  Earning $500 in cash from a business credit card with no annual fee is a fantastic deal!

Ongoing Earning Potential:  

  • 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
  • 2% cash back (2X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1X Chase Ultimate Rewards point) on all other purchases

I’ve had this card for many years.  It’s great.  I rock it at office supply stores and to pay my internet and cable bills.  And whenever I have a business meal, I use it to earn double points.  Secret:   Oftentimes, your business beer and cocktails earn 2X points too!  Because those bars and lounges code as restaurants to the credit card company.  Cheers!

Find Out Which Is The Best Business Credit Card
Getting Your Clients Tipsy Enough to Agree to Your Deal? Celebrate With 2X Points at Restaurants and Most Bars When Using Your Ink Business Cash… Our Winner of the Best Business Credit Card: No Annual Fee

Using Your Points:  If you ONLY have the Chase Ink Business Cash credit card, you’ve got one option: cash.  But… if you ALSO have the Chase Ink Business Preferred (yes, you can totally have both cards) OR the Chase Sapphire Preferred OR the Chase Sapphire Reserve you have powered-up from small Mario to Super Mario.

Because you can move the Chase Ultimate Rewards points you earn with the Ink Cash to one of those cards.  And from there you have access to all the great travel partners I talked about in the Chase Ink Business Preferred section!

Find Out Which Is The Best Business Credit Card
Fellow World Traveler and Team Member Meghan (Pictured Here in Seychelles in the Indian Ocean) Also Has the No Annual Fee Chase Ink Cash Business Credit Card

Perks:

Many are the same as the Chase Ink Business Preferred.  And for $0 in annual fees!  So you see why I love this business credit card!

Here are the perks you get: primary rental car insurance (when renting for business purposes), extended warranty, delayed baggage, and lost luggage protection.

You can check all the details of the fantastic benefits when you get to the Ink Cash card offer page.

When I bought my semi-fancy office chair at Staples with my Ink Cash (to earn 5X points!), they tried to sell me some nonsense extended warranty.  I laughed!  Ha!  Chase has my back!

Find Out Which Is The Best Business Credit Card
Fueling Up Is a Common Expense for Business Owners. And the Ink Business Cash Is a Business Credit Card That Awards You Cash Back for It

Is the Chase Ink Business Cash Worth the Annual Fee?  Yes.  Because there is no annual fee!  But this card DOES charge foreign transaction fees, which is why I instead use my Chase Sapphire Preferred when I travel abroad.

Chase Ink Business Cash Bottom Line:   I have this card.  I love this card.  You will too.  It costs nothing to own.  Apply here:   Ink Business Cash℠ Credit Card

Best Business Credit Card for Easy Rewards

The Official Offer:   When you sign-up for the Capital One Spark Miles card, you’ll earn 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.

“Spark Miles” Sound Dangerous, Please Explain:     After you meet the spending threshold, you bank 50,000 nifty “travel miles” that translate into $500 you can use to offset nearly any travel purchase you put on this business credit card.  It’s a very good deal!

Ongoing Earning Potential:   2X Spark miles per $1 you spend on all purchases.

I believe all people are created equal.  But miles are NOT!  These Spark miles are worth 1 cent each toward travel purchases.  So basically you get 2% back to offset travel purchases you make with this business credit card.  So if you’re a busy business owner who doesn’t want to fuss with different rewards categories and transfer partners, Capital One credit cards like the Capital One Spark Miles card are a great option.

Using Your Points:   This card earns easy-to-redeem miles, which you can use to pay off nearly any travel purchase, like flights, hotels, rental cars, and Lyft.  Simply use the card to pay for travel like you normally would.  Then log-in to your online account to “erase” the travel purchase with your miles!

Find Out Which Is The Best Business Credit Card
Get $500 Worth of Travel With the Capital One Spark Miles Card Sign-Up Bonus!

Perks:

Purchase Security and Extended Protection:   They will replace, repair, or reimburse you for eligible items of personal property up to $10,000 per claim for 90 days from the date of purchase in the event of theft or damage.

And “Extended Protection” doubles the time period of the original manufacturer’s written US repair warranty up to 1 full year on warranties of 3 years or less when you purchase the item entirely with your Capital One Spark Miles Visa Signature Business card.

Auto Rental Collision Damage Waiver:  You receive primary coverage, at no additional cost, for damage due to collision or theft when you charge your entire rental transaction to your Spark Miles Visa Signature Business credit card and decline the rental company’s collision damage waiver.

So that saves you money when you rent a car for business!  This is overall a good deal but always read the fine print.  For instance, this benefit doesn’t cover Bentley or Ferrari vehicles, even if you’re James Bond on an international spy business.

Lost Luggage Reimbursement:   Your checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket to your Spark Miles Visa Signature Business credit card.

No Foreign Transaction Fee:  Bring this card to Europe!  Visa is widely accepted.

Free Employee Cards:   Add employee cards at no additional cost, and earn all the rewards from their purchases!

Is the Capital One Spark Miles for Business Worth the Annual Fee?  Without a doubt in year one because the $95 annual doesn’t kick in until AFTER your first year with the card.  At ~10 months with the card, look over your spending habits to see if the card makes sense for you to keep.  Whenever I have to cancel a credit card (which I don’t do often) I’ve found it to be very easy and painless.

Capital One Spark Miles Bottom Line:   If you like Capital One and you like this business credit card, it’s definitely worth getting.  In general, I’ve had great experiences with Capital One.  Apply here:   Capital One® Spark® Miles for Business

Best Business Credit Card for Travel / Airport Lounge Access

Apply here:   The Business Platinum® Card from American Express OPEN

The Official Offer:   When you apply for this limited-time AMEX Business Platinum card offer (ends August 8, 2018), you’ll earn:

  • 50,000 AMEX Membership Rewards points after you spend $10,000 on purchases in the first 3 months of account opening
  • 50,000 AMEX Membership Rewards points after you spend an additional $15,000 on qualifying purchases within the same time frame

That brings the total bonus to 100,000 AMEX Membership Rewards points.

100,000 Points Sounds Big!  Break It Down:   Well, since you asked…

This is a mega bonus.  The main reason we don’t rank this higher is because you’ll have to spend $25,000 to earn the full bonus.  If that’s not a problem for you, you’re going to love this business card.

You can get $10,000 worth of travel from 100,000 American Express Membership Rewards points when you take advantage of their travel partners like Delta, British Airways, Hawaiian Airlines, Singapore Airlines, and more!

Find Out Which Is The Best Business Credit Card
Wow! That’s Team Member Keith and His Wife Liz in Singapore Airlines First Class Suites! Hint: You Can Transfer Points From Your American Express Business Platinum Card to Singapore Airlines!

Or you can get nearly $1,900 worth of travel using the easy Pay With Points system instead.

You want to keep it dead simple?  OK.  You can use the 125,000 AMEX Membership Rewards points (remember, you’ll earn AT LEAST 25,000 MORE points by meeting the minimum spending requirement to unlock the big welcome bonus) to grab $1,250 worth of gift cards through the AMEX portal.

Ongoing Earning Potential:  

  • 1.5X AMEX Membership Rewards points on single purchases of $5,000+ (up to 1,000,000 bonus points per calendar year)
  • 5X AMEX Membership Rewards points when you book airfare and hotels through the AMEX travel portal
  • Terms Apply

Using Your Points:  You’ve got 3 fun ways…

1.   Transfer to American Express partners

American Express has a cool transfer partner called Flying Blue.  Flying Blue partners with an airline you’re familiar with… Delta!  As an example, you can fly one-way from Minneapolis to Honolulu on Delta with just 15,000 Flying Blue miles.  So think about flying to Hawaii for 15,000 American Express Membership Rewards points versus using 15,000 American Express Membership Rewards points for $150 worth of gift cards.  This is the greatness of American Express travel partners!

Another example:

You can transfer your AMEX Membership Rewards points to fly back and forth to Europe.  The trick?  You transfer your points to Air Canada.  Hang on… magic coming… Air Canada miles give you access to United Airlines and Star Alliance airlines!

Team member Keith dominates with his American Express Business Platinum.  He once transferred 70,000 AMEX Membership Rewards points to partner Air Canada to book a First Class flight on Lufthansa (great airline in the Star Alliance) from Germany back home to Los Angeles.  That same ticket typically costs $11,000!

Again, when you do all your spending to earn the huge 100,000-point bonus, you’ll have at least 125,000 American Express Membership Rewards points.  That’s enough for a round-trip flight in Business Class to Europe when you transfer your points to Air Canada and fly on partner airlines.

Find Out Which Is The Best Business Credit Card
Crazy Hair, Windy Hair, No Hair: My Parents and I Enjoyed Ancient Stonehenge! Go Visit It! It’s Just 1 Hour and 15 Minutes From London Heathrow Airport. And You Can Easily Get to London Using the Travel Miles You Earn With Your Business Credit Card!

2.   Use the super easy Pay With Points rebate benefit

When you use AMEX Pay With Points, you get 1 cent per point towards your ticket.  And AMEX Business Platinum cardholders can get a 35% points rebate. You’ll get:

  • 35% of your points back for ALL First Class or Business Class flights booked through the AMEX travel portal
  • 35% of your points back for all flights, including coach tickets, booked with your selected airline through the AMEX travel portal

3.   Gift cards through the American Express portal

Perks:

Airport Lounges:   This business card is the absolute best for airport lounges.  It’s a great all-around business card for travel too.

Before I got into this hobby I had never been in an airport lounge.  Now I wonder how I survived airports before!  I’ve lost touch with my fellow humans who have to suffer overpriced dining options, constant loud announcements, and lack of electric charging stations!  Just kidding.  I am still the common man who enjoys the all-you-can-eat buffet and only buys socks when they’re on sale.  But I do enjoy the heck out of airport lounges.

Whether you’re a frequent traveler looking to escape airport chaos or just want to treat yourself to a better airport experience, having a card with lounge access is a fantastic perk!

Cardholders can access:

  • AMEX Centurion Lounges
  • The International American Express Lounges
  • Airspace Lounges
  • Delta Sky Club lounges when you have a same day flight with Delta
  • Escape Lounges
  • 1,000+ Priority Pass lounges
Find Out Which Is The Best Business Credit Card
AMEX Centurion Lounges Are Very Popular With Travelers Because the Food and Service Are Consistently Excellent!

American Express Centurion Lounges are the best airport lounges in the United States.  So if any of these are your home airport (or you’ll fly there frequently) this business card was made for you:

Dallas-Fort Worth (DFW)
Denver (DEN) – coming soon
Houston Intercontinental (IAH)
Las Vegas (LAS)
Los Angeles (LAX) – coming soon
New York-La Guardia (LGA)
New York (JFK) – coming soon
Miami (MIA)
Philadelphia (PHL)
San Francisco (SFO)
Seattle-Tacoma (SEA)

My buddy in Las Vegas loves the Centurion Lounge there.  He’s constantly bragging informing me of how great it is.

With American Express Business Platinum you are also granted access to Priority Pass lounges around the world.  In my experience these lounges range from wonderful to meh.  But my mathematical calculations conclude that having lounge access is always greater than not having lounge access.

For example, in Helsinki the Priority Pass lounges are pretty good.  I’ve had my fill of name-brand vodka and pasta salads.  At London Heathrow, man, the Priority Pass lounge saved us a small fortune.  Our flight was delayed for HOURS.  And we ate, drank, and were merry, and even had comfy beds on which to lay our weary heads.

Find Out Which Is The Best Business Credit Card
Jasmin’s Kids Know You Can Transfer AMEX Membership Rewards Points to Delta to Book WestJet Award Flights to Canada!

Airline Statement Credits:  Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)  For example, if you are approved for this small business card in June, you get the statement credit once this year and AGAIN next calendar year.  Meanwhile, you only pay ONE annual fee from June to June.  Cool.  Anyhow, this perk immediately makes the card more affordable.  I mean, if you’re not traveling enough to use this perk (luggage fees are expensive!) you probably want to give this card a skip anyhow.

AMEX Fine Hotels & Resorts:   Booking hotels this way gives you some sweet perks.  You get daily breakfast for 2 people, guaranteed 4:00 pm late check-out, noon check-in when available, and complimentary Wi-Fi.  And sometimes these deals include things like a $100 credit to use at the hotel restaurant, a room upgrade, and more.  Team member Keith really enjoys this perk.

AMEX Premium Roadside Assistance:  When you’re approved for the card you can check out all the details, but in short, you get, at no additional cost, up to 4 times per calendar year: towing up to 10 miles, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when the key is in the vehicle, and delivery of up to 2 gallons of fuel.  So for some of you, this could replace your AAA membership fee.  Do you know what winching is?  I don’t.  That’s why I like this perk.  Because they will winch for me.

AMEX Offers:   This program is fun.  I love it.  Whenever I log into my American Express account on my computer machine, I scroll down to see all these money-saving offers.  I’ve saved many hundreds of dollars on everything including great restaurants, hotels, shoes, and liquor.

Rental Car Status:  You get elite car rental status with Avis, Executive status with National Car Rental, and Gold Plus Rewards with Hertz.

Hotel Elite Status:   You get complimentary Hilton Honors Gold elite status which entitles you to free breakfast and upgrades when available.  You also are bestowed with Starwood Gold elite status which you can use to instantly match to Marriott Gold elite status.  In general, the hotel chains try to take care of you with extras when you have a higher level of status.

Internet in the Air:  This card grants you 10 Gogo in-flight Wi-Fi passes each calendar year.  This allows you to get more business accomplished while on your flights and also do important things like look at Golden Retriever puppies on Instagram.  They’re the best!

Speed on the Ground:  Hate is a strong word.  And it describes how I feel about that ridiculous line to get through airport security.  I know, I know, safety.  But I’m very thankful for my TSA PreCheck and Global Entry that puts me on the speedier path to my flight.  With the AMEX Business Platinum you receive a statement credit every 4 years after you apply for Global Entry ($100) or TSA PreCheck ($85).

Secret:  Apply for Global Entry because with it you almost always get stamped for TSA PreCheck!

Another Secret:  Do you already have this?  Buy it for someone else and you’ll get refunded because you used your card to pay for it!

No Foreign Transaction Fees:   You’re all set!

Is The Business Platinum® Card from American Express OPEN Worth the Annual Fee?  Yes, it’s worth the $450 IF you make use of the perks.  The welcome bonus is worth more than double the annual fee even if you use it for gift cards instead of travel.  Subtract the $200 statement credit from your cost.  And if you’re using the airport lounges and using the American Express Membership Rewards points you earn by spending on the card, it’s easy to see why this such a popular business card offer.

The Business Platinum® Card from American Express OPEN Bottom Line:  This is a “Platinum” card that is actually worthy of the name.  This is always a strong pick.  But it’s ESPECIALLY a great deal during this limited-time huge 100,000 bonus point offer.  Heads-up: it ends August 8, 2018.  Apply here:   The Business Platinum® Card from American Express OPEN.

Best Business Credit Card for Hotels

Apply here:   The Hilton Honors American Express Business Card

The Official Offer:   Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership.  Offer ends June 27, 2018.

125,000 Points, Wow!  What Does That Get Me Exactly?   Depending at which hotels you use your points, you can get ~$625 or more worth of hotel stays around the world!

An award night at a Hilton hotel generally costs between 10,000 and 95,000 points per night.

Hilton has many hotel brands that you recognize including Conrad, DoubleTree, Embassy Suites, and Hampton Inn.  Hampton Inn is under-rated by some people.  You get a yummy and free breakfast there even without having fancy status!  In Warsaw, we were in a good location and started the day with fresh fruit, waffles, cereal, and they had Nutella chocolate spread in little packets.

Team member Emily had an epic free stay at the Conrad Maldives Rangali Island.  You can do it too with this welcome bonus!

More awesome Hilton selections from our readers (whom we refer to as our Million Mile Secret Agents for how they scope out the best deals!):

Michael M: Hilton Hawaiian Village Waikiki Beach Resort for its great access to the beach and to the city.  Jane: Hilton Marco Island Beach Resort and Spa, on Marco Island, Florida, for its white sandy beach and magical sunsets.  David:  Hilton Athens for views of the Acropolis.  Maggie:  You can walk to the beach from The British Colonial Hilton in Nassau, Bahamas.

Ongoing Earning Potential:  

  • 12X Hilton points at Hilton hotels and resorts
  • 6X Hilton points on select business & travel purchases (including wireless phone services from US providers, US restaurants, US gas stations, car rentals, and more)
  • 3X Hilton points everywhere else
  • Terms & limitations apply

Using Your Points:  With this limited-time bonus you’ve got more than enough points to book a free night at top-tier hotels, like the Conrad Maldives.  Or you can stretch the bonus to book multiple free nights at hotels like the Hampton Inn Jackson Hole.

Find Out Which Is The Best Business Credit Card
Take Advantage of the AMEX Hilton Business Card Bonus to Save on Free Nights at the Hampton Inn Jackson Hole!

Perks:

Hilton Elite Status:   You are blessed with complimentary Hilton Gold status.  This gets you late checkout, free breakfast at most Hilton hotels, complimentary upgrades, and a 25% bonus on all the Hilton base points you earn.

Team member Jasmin is a terrific person.  But besides that, she used her Hilton Gold status to get $140 worth of breakfast for herself and her 3 kids at the very fancy Conrad Tokyo.  And because of her status they also upgraded her to a room with an amazing water view!

Find Out Which Is The Best Business Credit Card
Jasmin and Her Kids Traveled Tokyo in Style! Her Hilton Gold Status Elevated a Great Stay to an Amazing Experience Her Kids Still Talk About! You Can Get Gold Status Too With The Hilton American Express Business Credit Card.

Want Hilton Diamond status with this business credit card?  You earn it after you spend $40,000 on eligible purchases on your card in a calendar year (you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year).  When you’re a Diamond, not only are you the envy of all those lucky enough to know you, but you also earn 20 points per $1 on stays, you get premium internet, executive lounge access, and the 48-hour room guarantee.

Weekend Nights:   You earn a weekend night after spending $15,000 in purchases on your card in a calendar year.

You can earn a 2nd weekend night after spending an additional $45,000 in purchases on your card in the same calendar year.

Airport Lounges:  This business credit card comes with Priority Pass™ Select membership with 10 free visits each year (enrollment required).  Each guest you bring costs an additional free visit.

No Foreign Transaction Fees:  I like it!

Extended Warranty:   With Extended Warranty the terms of the original manufacturer’s warranty can be extended up to one additional year.  This applies to warranties of 5 years or less that are eligible in the U.S.  (Please read important exclusions and restrictions.)  American Express has a great reputation in this area.

Purchase Protection:   When something you buy breaks or is stolen, Purchase Protection can have you covered.  Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them.  (Please read the important exclusions and restrictions when you get to the application page.)

AMEX Offers:   These are great!  These are like coupons that work automatically when you buy something with your card.  In my experience the statement credits are applied quickly and reliably.  I just click on the offers I like (with no obligation to actually buy anything) and then if I buy it, I get money back on my statement.  Awesome.

Find Out Which Is The Best Business Credit Card
Recently There Was an AMEX Offer to Save $50 at Sunglass Hut. When You Enroll in Offers Like This, You Get a Quick Statement Credit!

Terms & limitations apply to all of the above.

Is The Hilton Honors American Express Business Card Worth the Annual Fee?  It’s $95.  With 125,000 Hilton points, I’d pretty easily be able to get $625 worth of hotel stays.  And the Gold elite status often adds breakfast and that saves money too!  So yes, it’s a very good business credit card offer.

The Hilton Honors American Express Business Card Bottom Line:  Hilton hotels are pretty much everywhere you want to go.  So you’ll have no trouble using your points for travel.  The elite status perks really make this a strong offer for Hilton fans.  And the airport lounge benefit make this a great business credit card for travel.  Apply here for the The Hilton Honors American Express Business Card.

Which Business Credit Card Is Best?  The Bottom Line!

We’ve dug into the details of the best business credit cards.  Based on our analysis, these are the best business credit card offers:

What’s the best business credit card in your opinion?  Sound off in the comments!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Ink Business Cash for the 5x categories…

I love the Chase Ink business card! The sign up bonus is great. The annual $95 is affordable also.

Amex Plat! Love the 35% rebate on flight redemptions!

We like Chase Ink Business Card because of the hefty sign up bonus!!

SPG Small Biz – I love the automatic free lounge access at Sheraton (for as long as it lasts!)

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