Best business credit cards

Premium business travel card with lounge access, an annual travel credit, and solid mile earn rates across bookings and everyday spend, paired with a sizable welcome bonus.

Intro Offer

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening

Reward Rate

10X miles on hotels and car rentals booked through Capital One Business Travel, 5X miles on flights booked through Capital One Business Travel, and 2X miles on all other purchases

Annual Fee

$395

• 150,000 bonus miles after $30,000 spend in first 3 months
• $300 annual travel credit plus 10,000 anniversary miles
• Lounge access including Capital One and Priority Pass
• No preset spending limit and free employee cards

No-annual-fee cash-back card aimed at freelancers and solo operators, with elevated rates on office supplies, utilities, gas, and dining plus a strong limited-time bonus.

Intro Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening

Reward Rate

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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Annual Fee

$0

• $1,000 bonus after $8,000 spend in first four months
• 5% back on office supplies and phone/internet (capped)
• 2% back on gas and restaurants (capped)
• 0% intro APR for 12 months on purchases

Points card with a large welcome bonus and 3X earn on travel, shipping, telecom, and online ads, plus travel protections and flexible redemptions.

Intro Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening

Reward Rate

Earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases

Annual Fee

$95

• 100,000 bonus points after $8,000 spend in first 3 months
• 3X points on key business categories up to $150,000
• Trip and cell-phone protection benefits
• Points transferable and usable for cash, travel, or gift cards

Membership Rewards card that boosts the two highest monthly spend categories from a set list, with extra earn on Amex Travel bookings and assorted statement credits.

Intro Offer

You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Reward Rate

4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at AmexTravel.com or the Amex Travel App™, and 1 point per $1 spent on other eligible purchases

Annual Fee

$375

• Welcome offer as high as 200,000 points after $15,000 spend
• 4X on top two categories each month (cap applies)
• Credits for FedEx, Grubhub, office supplies, and more
• 3X on flights and prepaid hotels via Amex Travel

Straightforward no-fee cash-back option paying a flat elevated rate on the first $50,000 of annual spend, with an uncomplicated welcome credit.

Intro Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months

Reward Rate

2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter

Annual Fee

$0

• $250 statement credit after $3,000 spend in 3 months
• 2% cash back on first $50,000 each year then 1%
• Expanded Buying Power above the credit limit
• 0% intro APR on purchases for 12 months

High-fee luxury travel card launched recently, featuring very high earn on Chase Travel, lounge access, and multiple annual credits for travel and business tools.

Intro Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening

Reward Rate

Earn 8x points on Chase Travel℠ for airline tickets, hotels (including The Edit℠), car rentals, cruises, activities and tours; 5x total points on Lyft rides through 9/30/27; 4x points on flights & hotels booked direct; 3x points on social media & search engine advertising, and 1x points on all other purchases

Annual Fee

$795

• 200,000 bonus points after $30,000 spend in 6 months
• 8x on Chase Travel bookings and 4x on direct flights/hotels
• $300 annual travel credit and lounge access
• Credits for Google Workspace, ZipRecruiter, and more

Simple unlimited 2% cash-back business card with no annual fee and a modest spend requirement for the welcome bonus.

Intro Offer

Earn $250 cash back as a statement credit when you spend $1,500 in the first 90 days

Reward Rate

Earn 2% Cash Back on all eligible purchases

Annual Fee

$0

• $250 cash back after $1,500 spend in 90 days
• Flat 2% cash back on all eligible purchases
• No annual fee
• Uncapped earning