Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

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! :)

Best Business Credit Cards of 2019

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Best Business Credit Cards of 2019

Scott LiebermanBest Business Credit Cards of 2019Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

INSIDER SECRET: Using a small business credit card for business expenses is an incredibly easy way to reward yourself with travel, or earn cash back to put toward your bottom line.

Whether your small business is a for-profit side gig (like running an Airbnb or reselling items online) or a million-dollar corporation, using one of the best business credit cards for your expenses makes lots of sense. You can redeem cash back for anything — including travel or reinvesting in your business.

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.

A Rundown of the Best Business Credit Cards

As long as your small business is aiming to make a profit, I recommend putting your expenses on a business credit card to earn travel miles and cash back. (Photo courtesy of 

Chase Ink Business Preferred

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

What You’ll Get: This is a fantastic welcome bonus and a big reason why the Chase Ink Business Preferred is our #1 pick! If you like basic cash back, the 80,000-point bonus offer is worth $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.

Or, you could transfer the points you earn to a Chase transfer partner for even more value! For example, your 80,000 Chase Ultimate Rewards points can become 80,000 United Airlines miles or 80,000 Hyatt points.

Ongoing Earning Potential:

  • 3x Chase Ultimate Rewards points for every dollar 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 per dollar on all other purchases

Using Your Points: You’ve got three great options. You can transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott, Singapore Airlines and more. Or use your rewards points in their travel portal, which is quick and easy. And lastly, redeem them for 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 credit card.
  • Extended Warranty – When you buy stuff with your card, they add one extra year when the warranty is three years or less. 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 – Rental car insurance is primary when renting for business purposes in your country of residence or outside of the country and decline the car rental agency’s CDW.
  • Baggage Coverage – If your baggage is delayed for more than six 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 five days.
  • 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).
  • No Foreign Transaction Fees
  • Employee Cards at No Additional Cost

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

Further Reading:

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 intro 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

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

The Official Offer: Earn 60,000 American Airlines miles after making $3,000 in purchases in first three months of account opening the CitiBusiness AAdvantage Platinum Select.

What You’ll Get: 60,000 American Airlines miles is plenty ’nuff to take a couple of domestic award trips round-trip in coach. All you’ll pay is the taxes and fees, which are ~$6 each way. Plus, American Airlines has amazing oneworld travel partners like Cathay Pacific, Japan Air Lines and LATAM, with excellent rates to Asia, South America and beyond.

That amount of miles is worth a trip or two in coach, or a luxurious First or Business Class seat, depending on where you want to go. These flights can easily cost thousands, so using American Airlines miles instead can be a huge money-saver!

Nearly everyone on the MMS team has had an American Airlines card at some point, and for good reason – the miles you earn are extremely valuable, especially when you have a travel goal in mind.

Ongoing Earning Potential: 

  • 2x American Airlines miles per dollar spent on American Airlines flights
  • 2x American Airlines miles per dollar spent at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations
  • 1x American Airlines mile per dollar spent on other purchases

Using Your Points: Luckily, it’s easy to book award flights directly on the American Airlines website. Just enter where you want to go and your dates, and be sure to check the “Redeem miles” box and you’re golden. You can even book most partner award flights, with the exception of Cathay Pacific, Etihad and Japan Air Lines. For those partners, you’ll need to call American Airlines at 800-433-7300 to book.

You can easily filter for nonstop flights, explore the monthly calendar and find prices for all classes of service, using simple tools built into the search engine.

Perks:

  • First checked bag free – You’ll get the first bag checked for free on domestic American Airlines flights for you and up to four companions on the same reservation. Considering it costs $30 to check a bag each way, this can add up to huge savings!
  • Preferred boarding
  • 25% off food, drinks, and Wi-Fi in-flight
  • Companion certificate – When you spend $30,000 or more in purchases during your card year and renew your card, you’ll earn a companion certificate. After purchasing qualifying airfare, you’ll pay a $99 companion ticket fee plus ~$22 to ~$43 in taxes and fees to add a friend or loved one to your flight. There are blackout dates, but if you can make it work, you stand to save much more than the card’s annual fee!

Is the CitiBusiness AAdvantage Platinum Select Worth the Annual Fee? If your small business spends a lot in the 2x categories, or if you can make good use of the companion certificate, then absolutely!

Further Reading:

CitiBusiness AAdvantage Platinum Select Bottom Line: American Airlines miles are among the hardest to earn, so earning double in several popular categories is an easy way to get an award ticket that much quicker. If this card fits with your small business spending, you can do well to get lots of travel on American Airlines and many top-notch oneworld partners.

Apply Here: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Alaska Airlines Visa® Business credit card

The Official Offer: 40,000 Alaska Airlines miles, plus a Companion Fare from $121 ($99 fare, plus taxes and fees from $22) after making $2,000 in purchases within the first 90 days of opening your account.

What You’ll Get: Domestic award flights start at just 7,500 Alaska Airlines miles, but you’re in no way limited to just flying on Alaska Airlines. That’s because they have partnerships with over a dozen international airlines, like Fiji Airways, Korean Air and Qantas – and the award chart is surprisingly generous, though it varies by partner airline.

Alaska Airlines miles are another tough currency to earn, and this welcome offer is as high as we’ve seen it!

Ongoing Earning Potential: 

  • 3 Alaska Airlines miles per dollar spent on eligible Alaska Airlines purchases
  • 1 Alaska Airlines mile per dollar on everything else

Using Your Points: When it’s time to use your miles, simply head to the Alaska Airlines website. There, you can book all partner awards online, with the exception of Cathay Pacific and LATAM.

Perks:

  • Companion Fare – Each year you renew your card, you’ll get a $99 companion fare ticket to use with no blackout dates. Just pay the taxes and fees from $22, and you’re all set. This is an especially good deal if you use it to fly to Hawaii, or other markets that tend to have seasonal price jumps.
  • Free checked bag – When you fly on Alaska Airlines, you’ll get a free checked bag for yourself and up to six travel companions.

Is the Alaska Airlines Visa Business  Worth the Annual Fee? For $75 a year, if you use the companion ticket and check bags on a trip or two, you’ll come out way ahead. Plus if you fly Alaska Airlines regularly, you’ll earn 3x miles on ticket purchases, which is an easy way to earn more miles.

Further Reading: Alaska Airlines Visa® Business credit card Review

Alaska Airlines Visa Business Bottom Line: The intro bonus is unlikely to go higher than it is now. In the past, it’s been as low as 30,000 miles as a standard offer.

Alaska Airlines is unique in they’re not part of an airline alliance. But the domestic routes and bevy of excellent partnerships make these airline miles worth collecting.

Apply Here: Alaska Airlines Visa® Business credit card

That’s right, you can use Alaska Airlines miles to fly on Cathay Pacific – and many other airlines. Even better, you can book a majority of partner award flights directly online. (Photo courtesy of Jasmin Baron/Million Mile Secrets)

Southwest Rapid Rewards® Performance Business Credit Card

The Official Offer: 80,000 Southwest Rapid Rewards points after you spend $5,000 on purchases in the first three months of account opening

What You’ll Get: Southwest points are worth about 1.5 cents each toward flights, so this bonus is worth around $1,200 in Southwest airfare. And potentially almost double if you have the Southwest Companion Pass.

Ongoing Earning Potential:

  • 3x Southwest points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partners
  • 2x Southwest points per dollar on social media and search advertising purchases
  • 2x Southwest points per dollar on internet, cable and phone service purchases
  • 1x Southwest points per dollar on all other purchases
  • 9,000 Southwest points per dollar every card member anniversary (worth ~$135 in Southwest flights)

Using Your Points: Using Southwest points is incredibly easy. There’s no Southwest award chart; instead, if there’s a seat for sale, you can book it with points. The price of an award flight is tied to the cost of a paid ticket, so if there’s a Southwest fare sale, you’ll save points.

Perks:

  • 4 upgraded boardings per year (when available)
  • Inflight Wi-Fi credits – Up to 365 $8 WiFi credits per year!
  • Global Entry or TSA PreCheck application fee credit (worth up to $100)
  • 1,500 tier-qualifying points after every $10,000 in purchases (on up to $100,000 in purchases every cardmember year)
  • No foreign transaction fees

Is the Southwest Performance Business Card Worth the Annual Fee? This card has the highest annual fee of all the Southwest cards, but if you make the most of the perks (9,000 points each card anniversary, four upgraded boardings, inflight Wi-Fi credits and Global Entry/TSA PreCheck credit) you’ll come out way ahead.

Further Reading:

Southwest Performance Business Bottom Line: This is a brand new offer with the highest-ever intro bonus we’ve seen for a Southwest business card. It’s worth a hard look for anyone who flies Southwest!

Apply Here: Southwest Rapid Rewards® Performance Business Credit Card

Ink Business Cash Credit Card

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

What You’ll Get: 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 per dollar) 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 per dollar) 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 per dollar) 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. Oftentimes, your business beer and cocktails earn 2x points too! Because those bars and lounges code as restaurants to the credit card company. Cheers!

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 Card 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!

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

When I bought my semi-fancy office chair at Staples with my Ink Cash (to earn 5x points!), I chuckled when they tried to sell me some nonsense extended warranty.

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.

Further Reading: Ink Business Cash Credit Card Review

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

Ink Business Unlimited Credit Card

Official Offer: With this card, you can earn a $500 cash bonus (50,000 Chase Ultimate Rewards points) when you spend $3,000 on purchases in the first three months from account opening. Again, that is a great intro bonus for a card with no annual fee.

What You’ll Get: The Chase Ink Business Unlimited card is similar to the Chase Ink Business Cash card. The biggest difference is that it doesn’t have any bonus categories. This is the no-annual-fee cash back business credit card I recommend most to my friends and family that have businesses, because you’ll be earning a higher cash back rate on every purchase, regardless of how much you spend per year. And most businesses have lots of large expenses that don’t fall neatly into narrowly defined bonus categories.

Ongoing Earning Potential: You’ll earn 1.5% cash back (1.5x Chase Ultimate Rewards points per dollar) on every purchase with no yearly limits.

And just like with the Chase Ink Business Cash card, you can pool the Chase Ultimate Rewards points you earn onto an eligible Chase credit card and then transfer them to Chase’s travel partners.

Perks:

  • Extended Warranty — Extends the eligible US manufacturer’s warranty by an additional year, on eligible warranties of three years or less when you make the purchase with your card.
  • Purchase Protection — Covers eligible new purchases, made with your card, for 120 days from damage or theft up to $10,000 per claim and $50,000 per account
  • Rental car insurance — Primary insurance for theft or collision damage when you rent for business purposes, decline the rental companies collision insurance, and charge the entire rental to your card.
  • Free employee cards — You set the spending limits.

The Chase Ink Business Unlimited card is impacted by the Chase “5/24” rule, so you’re not likely to be approved if you’ve opened five or more cards from any bank (NOT counting Chase business cards and certain other business cards) in the past 24 months. But you can still have this card even if you have other Chase business cards like the Ink Business Preferred Credit Card or Chase Ink Business Cash card.

Using Your Points: Similarly to the Ink Business Cash card, you can only redeem your points for cash unless you have either of these other annual-fee Ultimate Rewards points cards:  only have the Chase Ink Business Unlimited credit card, you’ve got one option: the Chase Ink Business PreferredChase Sapphire Preferred Card ir the Chase Sapphire Reserve.

You can move the Chase Ultimate Rewards points you earn with the Ink Business Unlimited 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.

Further Reading: Chase Ink Business Unlimited Review

Chase Ink Business Unlimited Bottom Line: This is the perfect card for earning those coveted Chase Ultimate Rewards points for non-bonus business spending all without paying an annual fee.

Apply Here: Ink Business Unlimited Credit Card

Best Travel Credit Card 10000 Worth Of Travel From One Bonus Our Top 10 List Updated Now
You can redeem Chase Ultimate Rewards Points for travel almost anywhere in the world. Even the far-flung island of the Maldives! (Photo courtesy Fyletto/Shutterstock)

Official Offer: When you apply for the Capital One Spark Cash card, you’ll earn a $500 cash bonus after spending $4,500 on purchases within the first three months of account opening.

What You’ll Get: After you meet the spending threshold, you bank $500 cash to use however you like. It’s a very good deal!

Ongoing Earning Potential: Unlimited 2% cash back per dollar you spend on all purchases.

Using Your Points: This card earns cash back, which you can use to request a check or statement credit any time with no minimum redemption amount!

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 one full year on warranties of three years or less when you purchase the item entirely with your 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 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 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 card.
  • No Foreign Transaction Fee
  • Free Employee Cards

Is the Capital One Spark Cash 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.

Further Reading: Capital One Spark Cash Card Review

Capital One Spark Cash 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® Cash for Business

The Business Platinum® Card from American Express

The Official Offer: 

  • 50,000 Amex Membership Rewards points after you spend $10,000 on purchases in the first three 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.

What You’ll Get: The main reason we don’t rank this higher is because you 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.

Ongoing Earning Potential:

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

Using Your Points: To get the most value from your rewards points you’ll want to transfer your Membership Rewards points to American Express partners. To redeem them without having to worry about award charts and blackout dates, take advantage of Amex’s Pay With Points feature. And if you’re looking to keep things super simple (though we don’t recommend this route), you can use your points for gift cards through Amex’s portal.

Perks:

  • 35% of your points back for ALL First Class or Business Class flights booked through the Amex travel portal using Pay With Points
  • 35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal using Pay With Points (up to 500,000 points per calendar year)
  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)
  • Up to $200 annual Dell statement credit ($100 from January to June, $100 from July to December)
  • Ability to book hotel stays through Amex Fine Hotels & Resorts
  • Amex Platinum Concierge
  • Amex Premium Roadside Assistance
  • Access to airport lounges (Delta, Priority Pass, Airspace, Escape, and American Express Centurion Lounges)
  • Bonus points or statement credits when taking advantage of an Amex Offer
  • Elite car rental status with Avis, Executive status with National Car Rental, and Gold Plus Rewards with Hertz
  • Free Hilton Honors Gold elite status (free breakfast and upgrades when available)
  • Free Marriott Bonvoy Gold elite status
  • 10 free Gogo in-flight Wi-Fi passes each calendar year
  • Statement credit for Global Entry or TSA PreCheck
  • Terms & limitations apply

Is the Amex Business Platinum Card Worth the Annual Fee? The AMEX Business Platinum annual fee is $595 and it is not waived for the first year (see rates & fees). But it is easy to offset the annual fee from the welcome bonus, perks, and benefits. Everyone will find different value from the benefits of this card.

Further Reading:

The Business Platinum® Card from American Express Bottom Line: This is a “Platinum” card that is actually worthy of the name. This is always a strong pick, especially for frequent travelers.

Apply here: The Business Platinum® Card from American Express

Comparing the Best Business Credit Card Offers

Here’s a quick breakdown of each card’s bonus offer, best perk, and annual fee.

 Intro Bonus OfferBest PerkAnnual Fee
Ink Business Preferred℠ Credit Card80,000 Ultimate Rewards points after making $5,000 in purchases in first three months of account opening3x Chase Ultimate Rewards points on up to $150,000 in combined eligible purchases in select categories each year (then 1X afterwards)$95
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®60,000 American Airlines miles after spending $3,000 on purchases in the first three months of opening your account2x American Airlines miles on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations $99, waived the first year
Alaska Airlines Visa® Business credit card 40,000 Alaska Airlines miles after you spend $2,000 on purchases in the first 90 days from account openingAlaska Companion Fare each year from $121 ($99 plus taxes and fees from $22)$75
Southwest Rapid Rewards® Performance Business Credit Card 80,000 Southwest points after you spend $5,000 on purchases in the first three months of account openingInflight $8 Wi-Fi credits -- up to 365 each year, worth hundreds of dollars$199
Ink Business Cash℠ Credit Card$500 cash back bonus after spending $3,000 in purchases within the first three months of opening your account5% back (5x Chase Ultimate Rewards points) on the first $25,000 spent on combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each cardmember year$0
Ink Business Unlimited℠ Credit Card$500 cash bonus after you spend $3,000 on purchases within the first three months from account opening1.5% cash back (1.5x Chase Ultimate Rewards points per dollar)on every purchase with no yearly limits$0
Capital One® Spark® Cash for Business $500 cash bonus after you spend $4,500 on purchases within the first three months from account openingUnlimited 2% cash back on all purchases$95, waived the first year
The Business Platinum® Card from American ExpressEarn up to 100,000 Amex Membership Rewards points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within the first 3 months.Up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, & more. And up to $200 in annual Dell statement credits. Terms Apply$595 annual fee (see rates and fees)

How We Select the Best Business Credit Card Offers

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 welcome 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!

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 six 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 intro 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.

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. You can apply for a business credit card as a sole proprietor by using your social security number on the application. Team members Meghan and Jasmin have had success applying this way.

But you’ll have to show the bank that you’re operating a for-profit venture. And anything you do as an independent contractor may also count, especially if you get a 1099 form for it.

The good news is most banks do not have any minimum business income requirements for opening business credit cards. 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.

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!

For rates and fees of the Amex Business Platinum card, click here.

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

229comments

by Newest
by Best by Newest by Oldest

I have been running all my business expenses on a Southwest Premier Visa, and have over 150,000 miles,
Now wife and I have an opportunity to go to China, some of her expenses paid by her employer. I don’t see Southwest on any of big three, Star Alliance, oneworld, or Skyteam??
Can their points be transfered to any other airline? Am trying to get the Chase Ink For Business, been mailing and faxing documents for a month!

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!!

Load more