How to Earn Points and Miles for Free Travel
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Business Credit Cards
Advertiser Disclosure
A business credit card is geared to build a credit history for a business not an individual. In this case, credit scores of a company and its owners are separated and have no impact on each other. Business credit cards may also have rewards programs in business expense categories such as travel, dining or office supply. We help you estimate profit you may get with each card based on your business expenses and credit score. Compare the best offers and apply for the most cost-effective credit card for your business.
36 cards found
Wells Fargo Business Platinum Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$500
$1,580
We estimate as
- Card Details
- Get a one-time $500 cash back bonus when you enroll in the cash back rewards program and spend $5,000 in first three months.
- Earn 1.5% for every $1 spent on net purchases.
- No annual fee.
- No foreign transaction fee.
- 0% introductory rate for 9 months on purchases and balance transfers
- $0 annual card fee, plus up to 99 employee cards (no additional fee).
- Earn 1 point for every $1 spent on net purchases.
- Receive 1,000 bonus points when your company spend reaches $1,000 in any monthly billing period.
- Redeem points for gift cards, merchandise, airline tickets and more.
- Receive your cash back automatically as a credit to your account or to your eligible checking or savings account each quarter.
- Pros
- Cash back rewards
- Generous signup bonus
- Monthly bonus points
- No Annual Fee
- No Foreign Transaction Fees
- Cons
- Good to excellent credit score required
Starwood Preferred Guest® Business Credit Card from American Express
This card earns Starpoints (Starwood Preferred Guest program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
5.4%
2-6 points per $1 spent
$95
waived first year
$2,025
75,000 points
$6,889
We estimate as
- Card Details
- Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
- Earn 4 points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
- Earn 2 points for all other eligible purchases.
- No Foreign Transaction Fees.
- Redeem Starpoints for free nightsat over 1,300 hotels and resorts in over 100 countries with no blackout dates. Terms Apply.
- $0 annual fee for the first 12 month, then $95.
- Premium On-property Internet Access + Boingo Wi-Fi.
- Pros
- High rewards rate
- No foreign transaction fees
- Cons
- Has interest charges
Our Take
For a moderate annual fee, you get a business card that earns points at a rate that’s fair, if not remarkable. Of course, you have to be a somewhat frequent Marriott/SPG guest in order to take the most advantage of both the card’s rewards rate and the hotel-related perks that it offers.
Radisson RewardsTM Business Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
5%
5-10 points per $1 spent
$60
$850
85,000 points
$4,270
We estimate as
- Card Details
- Up to 85,000 Bonus Points - earn 50,000 Points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.
- 40,000 renewal bonus points each year when you renew your card by paying the Annual Fee.
- 10 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
- 5 points per $1 spent in eligible net purchases everywhere else.
- Earn up to 3 free nights! Earn one free e-cert for each $10,000 in spend (up to $30,000), then renew your card by paying the Annual Fee.
- Gold Status upgrade - your Radisson Rewards membership will reflect your Gold status after you activate and use your card.
- You will receive 15 qualifying nights toward obtaining or maintaining Platinum status after you activate and use your new card.
- Zero Fraud Liability Protection.
- Travel Accident Insurance.
- Pros
- Generous signup bonus
- 10X points per $1 spent on hotel
- 5X points per $1 spent on all other purchases
- Cons
- Has annual fee
- Has foreign transaction fee
Ink Business Preferred℠ credit card
This card earns Ultimate Rewards Points (Chase Ultimate Rewards program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
1-3 points per $1 spent
$95
$1,680
80,000 points
$3,209
We estimate as
- Card Details
- 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
- Earn 3 points per $1 of the first $150,000 spent each account anniversary year on combined purchases in select business categories.
- Earn unlimited 1 Point Per $1 spent on all other purchases. Points do not expire as long as your account is open.
- Points are worth 25% more when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- No foreign transaction fees.
- Travel & purchase coverage.
- Pros
- Flexible and rich rewards
- A top sign-up bonus
- No foreign transaction fees
- Cons
- Has annual fee
Our Take
It makes sense to apply for the Ink Business Preferred℠ card. A huge signup bonus, high point-earning potential and a set of additional benefits to simplify your travel are something that may be appealing to you.
Blue BusinessSM Plus Credit Card from American Express
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
Points per $1 on all purchases per $ spent
$0
$0
$2,736
We estimate as
- Card Details
- Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 with no category restrictions; 1X points on purchases thereafter. Terms Apply.
- No Annual Fee.
- 0% introductory APR on purchases and balance transfers for 15 months. After that your APR will be a variable rate, currently 13.24%, 17.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- The expanded buying power above your credit limit gives you the freedom to tackle business needs as they come up.
- Customer Service and 24/7 support.
- Pros
- Membership Rewards® points on everyday business purchases
- No Annual Fee
- 0% introductory APR on purchases for 15 months
- Customer Service and 24/7 support
- Cons
- Has interest charges
- Has foreign transaction fees
Alaska Airlines Business Card
This card earns Mileage Plan Points (Mileage Plan program by Alaska Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-3 miles per $1 spent
$25-50
$570
30,000 miles
$2,137
We estimate as
- Card Details
- Limited Time Promotion: Alaska's Famous Companion Fare™ + 30,000 Bonus Miles.
- Buy one ticket, get one for just taxes and fees ($0 fare plus taxes and fees from just $22) plus receive 30,000 bonus miles with this offer. To qualify, make purchases of $1,000 or more within the first 90 days of opening your account.
- Every year on your account anniversary, get a companion fare from $121 ($99 plus taxes and fees from $22) that can be used on Alaska and Virgin America flights booked on alaskaair.com.
- Free checked bag on Alaska and Virgin America flights for you and up to 6 other passengers on the same reservation.
- Earn 3 miles for every $1 spent directly with Alaska Airlines and Virgin America.
- Earn 1 mile per $1 spent on all other purchases.
- Redeem Alaska Mileage Plan™ miles to over 900 destinations around the world on Alaska Airlines and our global airline partners.
- Annual fee: $50 or $25 per company, $25 per card (Business Level Earning Plan)
- Enjoy no foreign transaction fees while earning miles.
- Earn unlimited miles and travel with no blackout dates.
- Pros
- Generous signup bonus
- No foreign transaction fee
- No penalty APR
- Cons
- Has annual fee
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
This card earns AAdvantage Miles (AAdvantage program by American Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$99
waived first year
$980
70,000 miles
$2,092
We estimate as
- Card Details
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- No Foreign Transaction Fees.
- Earn Double Miles on all eligible American Airlines purchases and on purchases in select business categories.
- Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases and on purchases at telecommunications, car rental merchants and at gas stations.
- Earn 1 mile for every $1 spent on other purchases.
- First checked bag is free.
- Preferred boarding on American Airlines domestic flights.
- Receive employee cards at no additional cost plus, earn AAdvantage® miles for purchases made on employee cards and set a unique credit limit for each employee.
- Receive a 25% savings on eligible inflight food and beverage purchases when you use your card on American Airlines flights.
- Travel & Purchase protection.
- Pros
- Sign-up bonus
- High rewards rate
- No Foreign Transaction Fees
- Travel & Purchase protection
- Cons
- Has annual fee
United MileagePlus® Explorer Business card
This card earns Mileage Plus Miles (Mileage Plus program by United)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 miles per $1 spent
$95
waived first year
$750
50,000 miles
$2,072
We estimate as
- Card Details
- 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- Earn 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores.
- Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases. Terms Apply.
- Receive 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year.
- No miles expiration as long as your credit card account is open, with no limit to the number of miles you can earn.
- The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
- Free first checked bag – a savings of up to $100 per roundtrip.
- Employee cards let you set individual spend limits and help you earn rewards faster.
- No foreign transaction fees.
- Pros
- Sign-up bonus
- 2X miles on purchases in select categories
- Employee cards at no additional cost
- No foreign transaction fees
- Priority boarding
- Cons
- Has annual fee
Marriott Rewards® Premier Business credit card
This card earns Marriott Rewards Points (Marriott Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
2-6 points per $1 spent
$99
$675
75,000 points
$2,063
We estimate as
- Card Details
- 75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening. Terms apply.
- Earn 6X points for every $1 spent at over 6,500 participating Marriott Rewards® and SPG® hotels.
- Earn 4X points for every $1 spent on gas station, restaurant, shipping, internet, cable and phone service purchases.
- Earn 2X points for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
- No points expiration as long as you make purchases on your credit card every 24 months.
- Enjoy Marriott Rewards Gold Elite benefits when you spend $50,000 on purchases each account year.
- The fastest way to earn Marriott Rewards Elite status.
- No foreign transaction fees.
- Annual free night stay.
- Travel & purchase coverage.
- Pros
- Sign-up bonus
- High rewards rate
- Annual free night stay
- No foreign transaction fees
- Cons
- Has annual fee
Ink Business Cash℠ credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$500
$1,940
We estimate as
- Card Details
- $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- Earn 1% cash back on all other purchases – with no limit to the amount you can earn.
- Cash Back rewards do not expire as long as your account is open.
- Redeem rewards on cash back, gift cards and travel.
- Travel & purchase coverage.
- Pros
- $500 bonus cash back
- No annual fee
- 0% Intro APR for 12 months on purchases and balance transfers
- Cons
- Good to excellent credit score required
- Has foreign transaction fees
Southwest Rapid Rewards® Premier Business Credit Card
This card earns Rapid Rewards Points (Rapid Rewards program by Southwest Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 points per $1 spent
$99
$900
60,000 points
$1,791
We estimate as
- Card Details
- 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
- Earn 2 points for every $1 you spend on Southwest Airlines® purchases, and 1 point for every $1 you spend on all other purchases. Terms Apply.
- Receive 6,000 bonus points after your cardmember anniversary.
- You'll earn 1,500 TQP for each $10,000 in purchases up to $100,000 in purchases annually which equal 15,000 TQP.
- Unlimited points that don't expire as long as your card account is open.
- Unlimited reward seats. No blackout dates.
- Free 1st & 2nd checked bags and change fee.
- No foreign transaction fees.
- Travel & purchase coverage.
- Pros
- Sign-up bonus
- 2X points on Southwest® purchases
- No foreign transaction fees
- Cons
- Has annual fee
Capital One® Spark® Cash
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$95
waived first year
$500
$1,750
We estimate as
- Card Details
- Unlimited 2% cash back on every purchase, every day.
- Earn a one-time $500 cash bonus once you spend $5,000 on purchases within the first 3 months from account opening.
- Add employee cards at no additional cost, and earn all the rewards from their purchases.
- $0 intro for the first year, $95 after that.
- No foreign transaction fees.
- Rewards don't expire, and you can redeem your cash back for any amount, anytime.
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
- Visa® Business Benefits.
- Pros
- Unlimited Rewards
- 2% cash back
- Sign-up bonus
- No Foreign Transaction Fees
- Cons
- Good to excellent credit score required
Capital One® Spark® Miles
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
Miles per $1 on all purchases per $ spent
$95
waived first year
$500
50,000 miles
$1,750
We estimate as
- Card Details
- Earn unlimited 2X miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $5,000 on purchases within the first 3 months from account opening.
- $0 intro annual fee for the first year, $95 after that.
- Add employee cards at no additional cost, and earn all the rewards from their purchases.
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
- No foreign transaction fees.
- Visa® Business Benefits.
- Pros
- Unlimited Rewards
- Sign-up bonus
- No foreign transaction fees
- Cons
- Good to excellent credit score required
SKYPASS Visa® Card
This card earns SKYPASS Miles (SKYPASS program by Korean Air)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.7%
1-2 miles per $1 spent
$95
$510
30,000 miles
$1,694
We estimate as
- Card Details
- Earn 30,000 miles after $3,000 spend in the first 90 days.
- 2 Miles on Korean Air ticket purchases, Gas Station and Hotel purchases.
- Plus 1 mile for every $1 you spend in eligible net purchases.
- Two KAL Lounge coupons each year.
- 2,000 Bonus Miles at renewal.
- No foreign transaction fees.
- $50 Off coupon for Korean Air ticket purchase each year.
- 2 KAL Lounge coupons each year.
- Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners.
- No cap on miles you can earn.
- Pros
- Sign-up and annual bonuses
- Bonus reward points
- No Foreign transaction fees
- Cons
- Has annual fee
Club Carlson Business Rewards Visa® from U.S. Bank
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
5-10 points per $1 spent
$60
$340
85,000 points
$1,600
We estimate as
- Card Details
- Up to 85,000 Bonus Gold Points - earn 50,000 Gold Points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.
- 10X points per $1 spent in eligible net purchases at Carlson Rezidor hotels.
- 5X points per $1 spent in eligible net purchases everywhere else.
- 40,000 renewal bonus points each year when you renew your card by paying the Annual Fee.
- Earn one free night when you charge $10,000 then renewal your card by paying the Annual Fee. Exclusively for Business Owners!
- Gold Elite Status upgrade - your Club Carlson membership will reflect your Gold Elite status after you activate and use your card.
- Already reached Concierge Elite Status? You will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status after you activate and use your new card.
- Zero Fraud Liability Protection.
- Travel & Emergency Assistance Services.
- Pros
- Sign-up and anniversary bonuses
- High rewards rate
- Cons
- Has annual fee
Ink Business UnlimitedSM credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$500
$1,580
We estimate as
- Card Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
- Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
- 0% intro APR for 12 months from account opening on purchases and balance transfers. After that, 15.24% - 21.24% variable APR.
- Cash Back rewards do not expire as long as your account is open.
- Travel and purchase coverage.
- Pros
- Signup bonus
- 1.5% cash back
- No annual fee
- 0% purchase intro APR
- 0% balance transfer intro APR
- Cons
- Has foreign transaction fee
U.S. Bank FlexPerks® Business Edge™
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 points per $1 spent
$55
waived first year
$375
25,000 points
$1,453
We estimate as
- Card Details
- Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
- Earn twice the FlexPoints in the category where you spend the most each month—either gas, office supplies or airlines, plus on cell phone expenses.
- In addition, earn one point for every other eligible dollar you spend.
- $25 Airline Allowance offers reimbursement for up to $25 per air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade.
- If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.
- No foreign transaction fees.
- Zero Fraud Liability.
- $0 annual fee for the first year and every year after it will be $55 for Account Owners and $10 for Authorized Employees.
- Pros
- Sign-up bonus
- High rate of rewards
- No Foreign Transaction Fees
- Cons
- $0 annual fee for the first year and every year after it will be $55
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,352
We estimate as
- Card Details
- Earn Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
- Earn 3% cash back on all cellular, gas and office supply store eligible net purchases.
- Plus, 1% cash back on all other eligible net purchases.
- Receive a 25% annual bonus based on your prior year’s Cash Rewards, up to $250.
- There's no cap on the total amount of Cash Rewards you can earn and your rewards never expire.
- Rewards can be redeemed once you reach a $25 threshold, and in additional increments of $25 thereafter.
- No annual fee.
- Enjoy 0% Intro APR on purchases for the first 9 billing cycles.
- Free Employee cards. All cards earn Cash Rewards.
- Zero Fraud Liability.
- Pros
- Generous signup bonus
- Cash back rewards
- No annual fee
- 0% Intro APR on purchases for the first 9 billing cycles
- Cons
- Good to excellent credit score required
SimplyCash® Plus Business Credit Card from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,296
We estimate as
- Card Details
- Earn 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers.
- Earn 3% cash back on the select category of your choice, up to 50K per calendar year.
- Plus, earn 1% cash back on other purchases.
- No Annual Fee.
- Get G Suite Basic free for 1 year for up to 3 users, as statement credits up to $200.
- 0% introductory APR on purchases for 9 months. Terms Apply.
- Buy above your credit limit and get cash back on those purchases too - with no overlimit fees, calls to make, or steps to take. Terms Apply.
- Travel & Transportation perks and protection when you’re doing business on the road. Terms Apply.
- Expense Management Tools to help you track and organize expenses.
- Pros
- High cash back rate
- No Annual Fee
- 0% introductory APR on purchases for 9 months
- Cons
- Has foreign transaction fees
Capital One® Spark® Cash Select
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$200
$1,280
We estimate as
- Card Details
- Unlimited 1.5% cash back on every purchase, every day. No minimum to redeem.
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening.
- Add employee cards at no additional cost, and earn all the rewards from their purchases.
- No Annual Fee.
- 0% intro APR on purchases for 9 months; 14.74%, 18.74% or 22.74% variable APR after that.
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
- No foreign transaction fees.
- Visa® Business Benefits.
- Pros
- Sign-up bonus
- Unlimited Rewards
- No Annual Fee
- No Foreign Transaction Fees
- Cons
- Good to excellent credit score required
Capital One® Spark® Miles Select
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
Miles per $1 on all purchases per $ spent
$0
$200
20,000 miles
$1,280
We estimate as
- Card Details
- Earn unlimited 1.5X miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening.
- 0% intro APR on purchases for 9 months; 14.74%, 18.74% or 22.74% variable APR after that.
- No Annual Fee.
- Add employee cards at no additional cost, and earn all the rewards from their purchases.
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
- No foreign transaction fees.
- Visa® Business Benefits.
- Pros
- Unlimited Rewards
- Sign-up bonus
- No Annual Fee
- No foreign transaction fees
- Cons
- Good to excellent credit score required
Business Advantage Cash Rewards Mastercard® credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,280
We estimate as
- Card Details
- Online exclusive: $200 statement credit bonus after making at least $500 in net purchases in the first 60 days of your account opening.
- Earn 3% on purchases at gas stations and office supply stores (up to $250,000 in gas station and office supply store purchases annually, 1% after that).
- Earn 1% cash back on purchases and 2% on purchases at restaurants.
- 0% on purchases for 9 billing cycles from account opening.
- When you enroll in the Business Advantage Relationship Rewards program, you can get an additional 25% - 75% rewards bonus on every purchase you make.
- Start redeeming your cash back after earning $25. Redeem your rewards as a statement credit, or have cash deposited into a Bank of America small business checking or savings account.
- Pros
- $200 statement credit signup bonus
- 3% cash back
- No annual fee
- 0% on purchases for 9 billing cycles
- Cons
- Has foreign transaction fee
- Good to excellent credit score required
Costco Anywhere Visa® Business Card by Citi
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$0
$0
$1,224
We estimate as
- Card Details
- No annual fee with your paid Costco membership.
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year in gas purchases and then 1% thereafter.
- 3% cash back on restaurant and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases. Terms Apply.
- No fee for purchases at Costco worldwide.
- Travel & Purchase protection.
- Pros
- 4% cash back
- Bonus cash back categories
- No annual fee
- No foreign transaction fee
- Cons
- Excellent credit is needed
Lowe's Business Rewards Card from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-3 points per $1 spent
$0
$0
$1,152
We estimate as
- Card Details
- Earn 3X points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- Plus, earn 2X points at Lowe's and 1X points on other purchases. Terms and limitations apply.
- Get 5% Off at Lowe's.
- No Annual Fee.
- Redeem points for gift cards that you can use toward business expenses starting from 2,500 points. Terms Apply.
- Lowe’s ProServices for discounted delivery and more.
- 0% introductory APR on purchases for 6 months. After that your APR will be a variable rate, currently 17.74%, 21.74% or 26.74%, based on your creditworthiness.
- Pros
- 5% of savings at Lowe's
- 0% purchase intro APR
- High rewards rate
- No Annual Fee
- Cons
- Has interest charges
Gold Delta SkyMiles® Business Credit Card from American Express
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$95
waived first year
$360
30,000 miles
$1,120
We estimate as
- Card Details
- Earn 30,000 bonus miles after you spend $1,000 in purchases in your first 3 months. Terms Apply.
- Also, get a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- With Pay with Miles for every 5,000 bonus miles redeemed, that is $50 off the cost of your ticket when booking on Delta.com.
- You will get 2X miles on every dollar spent on purchases made directly with Delta. 1 mile on every eligible dollar spent on purchases. Terms Apply.
- $0 annual fee for the first year, then $95.
- As a member of the Delta SkyMiles® Program, you can use miles towards flights, seat upgrades, car rentals, merchandise, gift cards, and more. No limits and expiration.
- No Foreign Transaction Fees.
- Travel & Transportation perks and protection when you’re doing business on the road: Priority Boarding, 20% In-Flight Savings, and First Checked Bag Free.
- Customer Service and 24/7 support.
- Pros
- Sign-up bonus
- No Foreign Transaction Fees
- Delta SkyMiles® Rewards Program
- Cons
- Has annual fee and interest charges
Business Advantage Travel Rewards World Mastercard® credit card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-3 points per $1 spent
$0
$250
25,000 points
$1,114
We estimate as
- Card Details
- Earn 25,000 bonus points after making at least $1,000 in net purchases in the first 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
- Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend.
- Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center – powered by Orbitz.
- No limit to the number of points you can earn and points don't expire.
- When you enroll in the Business Advantage Relationship Rewards program, you can get an additional 25% - 75% rewards bonus on every purchase you make.
- Enjoy no annual fee and no international transaction fees while earning points.
- 0% on purchases for 9 billing cycles from account opening.
- Flexibility to redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees; option for cash back and gift cards.
- No blackout dates and no travel restrictions when booking your trip.
- Pros
- Generous signup bonus
- 3X points per $1 spent on travel
- 0% purchase intro APR
- No foreign transaction fee
- No annual fee
- No penalty APR
- Cons
- Good to excellent credit score required
Wells Fargo Business Elite Card®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$0
$1,080
We estimate as
- Card Details
- For businesses with annual sales over $1 million.
- Earn 1.5% for every $1 spent on net purchases.
- No annual card fee and no foreign transaction fee.
- $0 annual rewards fee for first year.
- Receive your cash back automatically as a credit to your statement or to your eligible checking or savings account each quarter.
- Earn 1 point for every $1 spent on net purchases.
- Receive 5,000 bonus points when your company spend reaches $10,000 in any monthly billing period.
- Redeem points for gift cards, merchandise, airline tickets and more.
- Get a 10% bonus when you redeem points online.
- Pros
- 1.5% cash back
- Monthly bonus points
- No annual card fee
- No foreign transaction fee
- Cons
- Good to excellent credit score required
Wells Fargo Business Secured Credit Card
This card has no penalty APR
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$25
$0
$1,005
We estimate as
- Card Details
- Earn 1.5% for every $1 spent on net purchases.
- $500 to $25,000 credit line based on the amount you deposit.
- $0 annual rewards fee.
- No foreign transaction fee.
- Receive your cash back automatically as a credit to your account or to your eligible checking or savings account each quarter.
- Redeem points for gift cards, merchandise, airline tickets and more.
- Get 1,000 bonus points when your company spend reaches $1,000 in any monthly billing period.
- Get 10% bonus when you redeem points online.
- Earn extra bonus points or discounts from Earn More Mall® retailers.
- Pros
- Good option to build or rebuild credit
- Cash back and points rewards
- No foreign transaction fee
- Monthly bonus points
- Cons
- Has annual fee
Platinum Delta SkyMiles® Business Credit Card from American Express
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$195
$600
50,000 miles
$965
We estimate as
- Card Details
- Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
- Earn 2 Miles on every dollar spent on purchases made directly with Delta.
- Plus, earn 1 Mile on every eligible dollar spent on purchases. Terms Apply.
- No Foreign Transaction Fees.
- Use miles to book flights with Delta and SkyMiles® partners, upgrade to First Class or Delta One™, purchase hotel stays, car rentals and more. Plus, miles don’t expire.
- Travel & Transportation perks and protection when you’re doing business on the road.
- First Checked Bag Free.
- Pros
- Sign-up bonus
- No Foreign Transaction Fees
- 2X miles per $1 spent on Delta purchases
- Cons
- Has annual fee
U.S. Bank Business Edge™ Select Rewards Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.9%
Points per $1 on all purchases per $ spent
$0
$180
20,000 points
$828
We estimate as
- Card Details
- Earn 20,000 extra points when you spend $1,000 in the first 90 days after opening your account.
- Choose your 3X points category: day-to-day expenses, automotive or travel and entertainment.
- Day-to-Day Expenses, such as shipping, advertising, utilities, office supplies, telecom and professional services.
- Automotive, such as gas, service, tires, tolls, dealerships, car washes and repairs.
- Travel and entertainment, such as airlines, auto rental, hotels, restaurants and travel agencies.
- Plus, earn 1X point per $1 on all other eligible net purchases.
- Unlimited points with no cap.
- Enjoy a 0% Intro APR on purchases for the first 9 billing cycles, and after that a variable APR, currently 13.99% - 24.99%.
- No annual fee and free employee cards.
- Zero Fraud Liability.
- Pros
- High rate of rewards
- Sign-up bonus
- No Annual Fee
- 0% Intro APR on purchases for the first 9 billing cycles
- Cons
- Good to excellent credit score required
Capital One® Spark® Classic
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$0
$720
We estimate as
- Card Details
- Get the opportunity to build and strengthen credit for your business by using this card responsibly.
- Earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem.
- No Annual Fee.
- No foreign transaction fees.
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
- Add employee cards at no additional cost, and earn all the rewards from their purchases.
- 24.74% variable APR on purchases and balance transfers.
- Visa® Business Benefits.
- Pros
- Limited / poor credit can be qualified
- No Annual Fee
- No Foreign Transaction Fees
- Cons
- High interest rates
BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$0
$720
We estimate as
- Card Details
- No annual fee.
- 25,000 bonus points (2x our standard 10,000) after $6,000 spent in purchases within the first three months of account opening. That's redeemable for $250 in travel awards.
- Plus, earn 1 point for every $1 spent with no points expiration or limits on how many points you can earn.
- 0% introductory APR on purchases for the first 9 months from the date of opening account.
- Balance transfers with 0% introductory APR for nine months from date of first transfer made within first 90 days of opening your account.
- Pros
- Generous signup bonus
- No annual fee
- 1% cash back
- 0% introductory APR on purchases and balance transfers
- Cons
- Good to excellent credit score required
Priority RewardsSM Business MasterCard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$0
$720
We estimate as
- Card Details
- Earn 1 CashPointSM for every $1 of purchases.
- Redeem CashPoints for 1% cash back, gift cards from local and national merchants, and any time travel on the airline of your choice with no blackout dates. Activities, hotel accommodations, and car rentals are also available.
- CashPoints awarded to the company or to the individual cardholder.
- No annual fee.
- Excellent local customer service that understands the Hawaii business market.
- $100,000 Travel Accident Insurance.
- Primary Rental Car Collision/Loss Damage Insurance.
- Zero Liability on Unauthorized Purchases.
- Pros
- 1% cash back
- No annual fee
- Cons
- Good to excellent credit score required
- No signup bonus
The Plum Card® from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$250
waived first year
$0
$580
We estimate as
- Card Details
- Get a 1.5% early pay discount with no cap.
- This Charge Card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
- Buy big with a spending limit that can grow with your business.
- $0 intro annual fee for the first year, then $250.
- Get additional flexibility with Employee Cards at no additional annual fee.
- Travel & Transportation perks and protection when you're doing business on the road.
- Expense Management Tools to help you track and organize expenses.
- Pros
- 1.5% cash back with no cap
- $0 intro annual fee for the first year
- Cons
- Good to excellent credit score required
- No signup bonus
- High annual fee
Delta Reserve® for Business Credit Card from American Express
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$450
$840
70,000 miles
$440
We estimate as
- Card Details
- Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months.
- No Foreign Transaction Fees.
- Earn 2 Miles on every dollar spent on purchases made directly with Delta; 1 Mile on every eligible dollar spent on purchases. Terms Apply.
- As a member of the Delta SkyMiles® Program, you can use miles towards flights, seat upgrades, car rentals, merchandise, gift cards, and more. No limits or miles expiration.
- Check your first bag free on every Delta flight.
- Delta Sky Club® lounge access.
- Customer Service and 24/7 support.
- Complimentary Delta Sky Club® Access.
- Pros
- Sign-up bonus
- High rewards rate
- No Foreign Transaction Fees
- Travel & Transportation perks and protection
- Cons
- Has annual fee
- Good to excellent credit score required
United MileagePlus® Club Business Card
This card earns Mileage Plus Miles (Mileage Plus program by United)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
1.5-2 miles per $1 spent
$450
$100
$312
We estimate as
- Card Details
- Enjoy a $100 statement credit after your first purchase with the MileagePlus Club Business Card.
- Earn 2 miles per $1 spent on tickets purchased from United.
- Earn rewards faster with 1.5 miles per $1 spent on all other purchases.
- Miles don't expire as long as your credit card account remains open. Plus, there is no limit to the number of miles you can earn.
- Employee Cards let you set individual spend limits and help you earn rewards faster.
- The MileagePlus Club Business Card is accepted globally at 44.4 million locations in more than 200 countries — twice as many locations as American Express Cards.
- If you are a current United ClubSM member, you can apply for the United MileagePlus® Club Business Card and be reimbursed for the unused portion of your United Club membership once approved for the Card.
- Travel and retail perks and benefits.
- Enjoy Premier Access®
- Pros
- Low minimum spending requirement to get a signup bonus
- No foreign transaction fee
- 2 miles per $1 spent on travel
- 1.5 miles per $1 spent on all other purchases
- Cons
- High annual fee
- Good to excellent credit score required