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Get your just (credit card) rewards!

stack of credit cards fanned out

As a business owner, you know how expenses can rack up quickly. From buying equipment to employee meals and travel, having a business credit card to make purchases is essential—and so is choosing one that provides rewards!

With so many credit cards available, it can be hard to determine which one is right for your business. To help you, we’ve compiled the following summary of cards that offer businesses-rich rewards based on a recent Forbes.com review:

Best business credit card for membership rewards
American Express® Business Gold Card
Pros

  • Flexible redemption and points transfer options

  • Robust travel benefits

  • Automatic 4x points on the two categories you spend the most on

Cons

  • High annual fee of $295

  • 4x points rate is limited to the first $150,000 in spending annually

  • No option to carry a balance

Best credit card for small businesses 
Capital One® Spark® Cash for Business
Pros

  • High 2% cashback rate applies to all purchases

  • Visa benefits

  • No-fee employee cards

  • No foreign transaction fees

Cons

  • High penalty APR and no intro APR offer

  • No bonus spending categories to boost rewards

Best flat-rate travel rewards 
Capital One® Spark® Miles for Business
Pros

  • Free employee cards

  • Earn 2x miles on all purchases with no limits

  • No blackout dates or seat restrictions

Cons

  • High penalty APR

  • High regular APR

  • Limited airline partners

  • Unfavorable miles transfer rates

Best business credit card for cash back with no fee
Discover it® Business Card
Pros

  • 100 percent U.S.-based customer service

  • Solid 1.5 percent cashback rewards on all spending

  • Double cashback rewards for the first year

Cons

  • No travel benefits

  • No bonus spending categories to boost rewards

Best credit card for business travel
Ink Business PreferredSM Credit Card
Pros

  • Remarkable welcome bonus

  • No foreign transaction fee

  • Free cards for employees

  • Rewards for common business expenses

Cons

  • High penalty APR if you miss a payment

  • Has annual fee

  • High 5 percent fee for cash advance (min $15)

  • High 5 percent fee for balance transfer (min $5)

Best business credit card for employee use
Wells Fargo Business Elite Card®
Pros

  • No fee for employee cards

  • Robust control of employee spending by category, amount and time

  • Detailed employee spend reporting

Cons

  • Only available to businesses with annual sales above $1 million

  • Minimum annual spend requirement of $25,000

  • Rewards rate is mediocre

These are just a few of the credit cards that offer solid rewards to business owners. Make sure to consider the rewards that best support your business as you do your research. And as always, you can reach out to our firm for guidance.

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