Small Business Credit Cards

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. Thanks for your support!

If you’re a business owner, you can accelerate your earnings with credit and charge cards tailored to small businesses.

Current Offer: Earn up to 75,000 Membership Rewards® points! Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
N/A
Foreign Transaction Fee

The Business Platinum® Card from American Express OPEN

Card Bonuses: Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points -- that's 1.5 points per dollar, on each qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year. Plus, continue to get one point per dollar for qualifying purchases under $5,000. 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year. You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2016 Terms Apply.
$450
Annual Fee
Apply Now
on American Express' secure site
Why we like this card: While the annual fee is high the card comes with lots of benefits that help negate the annual fee, and this is a great welcome bonus on this card. Terms & Restrictions Apply.
Current Offer: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$0
Foreign Transaction Fee

Ink Business Preferred℠ Credit Card

Card Bonuses: Earn 3 points per $1 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. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Apply Now
on Chase's secure site
Why we like this card: The Ink Preferred has a fantastic, practical rewards structure. Triple points on travel, telecommunications, shipping and advertising on social-media and search engines, covers a lot of categories that are actually useful to businesses.
$95
Annual Fee
Current Offer: Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
3% of each transaction in U.S. dollars.
Foreign Transaction Fee

Ink Business Cash℠ Credit Card

Card Bonuses: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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. Unlimited 1% cash back on all other card purchases.

Apply Now
on Chase's secure site
Why we like this card: This is a good no annual fee alternative, given that this card has no annual fee yet still accrues 5x points in several categories.
$0
Annual Fee
Current Offer: Enjoy a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening.
Foreign Transaction Fee:
None

Capital One® Spark® Miles for Business

Card Bonuses: Earn 2 miles per $1 on every purchase, every day. Miles won't expire for the life of the account, and there are no categories to limit where or what you buy. Redeem miles for travel, cash back, gift cards and more. No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions.

Apply Now
on Capital One's secure site
Why we like this card: Capital One points are most useful for domestic economy flights, particularly if you have to travel over peak dates.
$0 intro for first year; $59 after that
Current Offer: Enjoy a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
Foreign Transaction Fee:
None

Capital One® Spark® Cash for Business

Card Bonuses: Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime.

Apply Now
on Capital One's secure site
Why we like this card: A cash-back card can be a good way to cut costs in other areas, saving money for travel!
$0 intro for first year; $59 after that
Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
N/A
Foreign Transaction Fee

The Business Gold Rewards Card from American Express OPEN

Card Bonuses: 3X points on one category of your choice from the following: Airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 2X points on the 4 remaining categories. 1X points on other purchases. 

Terms and limitations apply. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
$0 introductory annual fee for the first year, then $175
Apply Now
on American Express' secure site
Why we like this card: Membership Rewards has many transfer partners, including Aeroplan, British Airways, Delta, and Singapore.
Current Offer: Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
Foreign Transaction Fee
N/A

Starwood Preferred Guest® Business Credit Card from American Express

Card Bonuses: Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases. Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges. Access to Sheraton Club lounges on eligible stays. Two stay credits and five night credits towards elite status with Starwood annually per card (you can get both cards for four stay credits and 10 night credits towards elite status annually); Starwood Gold status after spending $30,000 on the card annually; Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide (Enrollment required).
$0 introductory annual fee for the first year, then $95
Apply Now
on American Express' secure site
Why we like this card: Starpoints are incredible versatile, and are probably my favorite all-around flexible points currency. The four stay credits and 10 night credits towards status with Starwood annually for having both cards (personal and business) are also invaluable to me. Terms & Conditions Apply.
Current Offer: Earn up to $400 cash back! Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
2.7% of each transaction after conversion to US dollars.
Foreign Transaction Fee

SimplyCash® Plus Business Credit Card from American Express

Card Bonuses: 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores, 3% on the category of your choice from a list of eight and 1% cash back on other purchases, 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.Terms and limitations apply.
$0
Apply Now
on American Express' secure site
Why we like this card: Having the choice to customize a bonus category is smart for a card geared towards small businesses.
Current Offer: Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses.
3%
Foreign Transaction Fee

Costco Anywhere Visa® Business Card by Citi

Card Bonuses: 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter; 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases.
Apply Now
on Citi's secure site
Why we like this card: The new Costco Citi cards have a great rewards structure for Costco loyalists. The bonus categories are compelling, and while it’s still not a card I’d personally use for everyday spend this is a solid option for Costco members.
$0
Annual Fee
Current Offer: 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days.
3%
Foreign Transaction Fee

Alaska Airlines Visa Business Card®

Card Bonuses: 3x miles on Alaska purchases; Coach Companion Fare every year from $121(USD) ($99, plus taxes and fees from $22). Free checked bag for you and up to six other passengers on your reservation.
Apply Now
on BOA's secure site
Why we like this card: Alaska miles are very valuable, and while this isn’t a large bonus, the companion certificate presents an incredible value for Alaska flyers.
$50 per company, $25 per card
Annual Fee
Current offer: 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.

The Blue Business℠ Plus Credit Card from American Express

Card Bonuses: Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.Terms Apply.
$0
Annual Fee
Apply Now
on American Express' secure site
Why we like this card: This card offers strong rewards for small businesses. If you can convert those points into “premium” Membership Rewards points in conjunction with another Amex card, you'll get an even better return.
Current Offer: Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months, and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Foreign Transaction Fee:
N/A

Gold Delta SkyMiles® Business Credit Card from American Express

Card Bonuses: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
$0 introductory annual fee for the first year, then $95
Apply Now
on American Express' secure site
Why we like this card: The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but the MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card.Terms & limitations apply.
Current Offer: Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
N/A
Foreign Transaction Fee

Platinum Delta SkyMiles® Business Credit Card from American Express

Card Bonuses: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
$195
Annual Fee
Apply Now
on American Express' secure site
Why we like this card: The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but if you need the MQMs this card is worth considering. The MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card.Terms & limitations apply.
Current Offer: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
No Foreign Transaction Fees

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Card Bonuses: 2x miles for every $1 spent on American; 2x points at certain office supply, telecommunications and car rental merchants– and at gas stations; 1x point on everything else.
Apply Now
on Citi's secure site
Why we like this card: These miles can be pooled with any miles you’re earning on your personal account. The card also offers a 5% annual bonus on all purchases upon account anniversary.
Annual Fee: $95, fee waived for the first 12 months.

Non-Affiliate Product Disclaimer: The information for the Southwest Rapid Rewards® Premier Business Credit Card has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. I need to switch to a visa card with milage and/or money back. Excellent credit. Prefer a milage card good on any airline if possible. About to make a major purchase. I have an opportunity to accumulate many miles for this purchase. Currently I have American Express. I wish to change as one of our suppliers will no longer accept American Express. I need to make this change rather quickly. Thank you.

  2. Is there a way to get the lower 40k Platinum bonus after $5k spend like what you have posted above vs the current offer that requires $15k spend? More points for the higher spend offer but that is too much spend for me.

  3. I have a Citi AAdvantage personal card and was assigned an aadvantage number when the card was opened. I want to open the Business version now. This may be a stupid question but i don’t want to do anything to hinder earning the bonus on the business version so here goes… do i add my aadvantage number that i use for my personal miles to the business card application? or do i get a separate aadvantage number then later merge the two accounts? Any help would be greatly appreciated.

  4. @ Megan — You can include your AAdvantage number on the application. It won’t impact anything, and it’s certainly easier that way.

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