How to choose the right business card for your expenses

It doesn’t matter what kind of enterprise or aspect hustle you handle, there’s an important business credit card that may enable you to earn extra rewards along with your on a regular basis enterprise spending.

The secret’s realizing which classes you spend probably the most on every month — and which playing cards provide the most effective rewards in these classes.

Let’s cowl some widespread forms of enterprise homeowners and the playing cards that may provide the very best long-term incomes potential for every.

The Business Platinum Card® from American Express — Earn 200,000 Membership Rewards factors after spending $20,000 in eligible purchases on the cardboard throughout the first three months of card membership.

Welcome provide: Earn 150,000 bonus miles after spending $30,000 within the first three months of account opening. Primarily based on TPG’s September 2025 valuations, this provide is price $2,775.

Annual payment: $395.

Standout advantages: The Enterprise X Enterprise comes with an annual $300 Capital One Journey credit score for bookings made via Capital One’s journey reserving web site, 10,000 anniversary miles, a TSA/International Entry assertion credit score and quite a few journey protections.

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You may earn not less than 2 miles per greenback spent on each buy and may redeem these miles by transferring them to certainly one of Capital One’s 15-plus transfer partners. Plus, you’ll be able to add as much as 4 approved customers at no further price.

To be taught extra, learn our full review of the Venture X Business.

Be taught extra: Capital One Venture X Business

Chase Sapphire Reserve for Enterprise

Welcome provide: Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months of account opening. Primarily based on TPG’s September 2025 valuations, this provide is price a whopping $4,100.

Annual payment: $795.

Standout advantages: The Sapphire Reserve for Enterprise is Chase’s newest and most premium enterprise card providing. It comes with perks like a versatile annual travel credit, lounge access, quite a few journey credit (offering over $1,200 in worth yearly) and glorious journey and buy protections.

Moreover, the cardboard confers glorious earnings charges, incomes an uncapped 4 factors per greenback spent on flights and inns booked straight and three factors per greenback spent on social media and search engine promoting. That is an absolute recreation changer for companies with excessive advert spending, as most different playing cards with this bonus class have a spending cap.

The factors earned on this card could be transferred to certainly one of Chase’s 14 hotel and airline partners for max worth. Or, you’ll be able to redeem them via Chase Travel℠ at as much as 2 cents apiece, relying on the precise redemption, via the brand new Points Boost feature.

To be taught extra, learn our full review of the Sapphire Reserve for Business.

Apply right here: Sapphire Reserve for Business

Ink Enterprise Most popular Credit score Card

Welcome provide: Earn 90,000 factors after spending $8,000 on purchases within the first three months of account opening. Primarily based on TPG’s September 2025 valuations, this provide is price $1,845.

Annual payment: $95.

Standout advantages: The Ink Enterprise Most popular is a good card for enterprise homeowners with excessive spending on journey and choose enterprise classes. You may earn 3 factors per greenback spent on the primary $150,000 in mixed spending in choose classes (then 1 level per greenback).

These factors could be redeemed for journey through Chase Journey at as much as 1.75 cents apiece, relying on the precise redemption with Factors Enhance, or transferred to certainly one of Chase’s companions for the most effective worth. You may additionally obtain quite a few journey and procuring protections and cellphone insurance coverage.

To be taught extra, learn our full review of the Ink Business Preferred.

Amex Enterprise Gold Card

Welcome provide: Earn 100,000 factors after spending $15,000 on eligible purchases throughout the first three months of card membership. Primarily based on TPG’s September 2025 valuations, this provide is price $2,000.

Annual payment: $375.

Standout advantages: The Amex Enterprise Gold permits enterprise homeowners to earn 4 factors per greenback spent of their high two spending classes every billing cycle (as much as $150,000 in mixed spending, then 1 level per greenback spent thereafter).

This card additionally comes with a helpful as much as $240 credit score per calendar yr (as much as $20 month-to-month) versatile enterprise credit score for U.S. purchases at FedEx, Grubhub and workplace provide shops (enrollment is required; phrases apply). Plus, you can switch the factors you earn to certainly one of Amex’s 20 hotel and airline partners.

Katie Genter, TPG’s lead author for factors and miles, likes to make use of her Amex Enterprise Gold’s versatile enterprise credit score by ordering meals through Grubhub together with her card not less than as soon as every month.

To be taught extra, learn our full review of the Amex Business Gold.

Apply right here: Amex Business Gold

Capital One Spark Miles for Enterprise

Welcome provide: Earn 50,000 miles after spending $4,500 on purchases throughout the first three months of account opening. Primarily based on TPG’s September 2025 valuations, this provide is price $925.

Annual payment: $0 introductory annual payment for the primary yr, then $95.

Standout advantages: Simplicity is the secret with the Spark Miles for Enterprise, as enterprise homeowners will earn not less than 2 miles per greenback spent on all purchases. These miles could be redeemed for journey purchases or transferred to certainly one of Capital One’s glorious airline and resort companions. Cardholders can even obtain a TSA PreCheck or International Entry credit score.

To be taught extra, learn our full evaluate of the Capital One Spark Miles for Business.

Be taught extra: Capital One Spark Miles for Business

The Enterprise Platinum Card from American Specific

Welcome provide: Earn 200,000 bonus factors after spending $20,000 in eligible purchases throughout the first three months of card membership. Primarily based on TPG’s September 2025 valuations, this provide is price $4,000.

Annual payment: $895.

Standout advantages: The Amex Enterprise Platinum provides unrivaled lounge access for small-business homeowners alongside a plethora of valuable statement credits, together with an as much as $600 resort credit score (as much as $300 semi-annually) and an as much as $200 airline credit per calendar yr.

This card additionally provides expanded Dell and Adobe credit and earns 2 factors per greenback spent on purchases at U.S. building materials and {hardware} suppliers, digital items retailers and software program and cloud system suppliers and transport suppliers, in addition to on eligible purchases of $5,000 or extra, as much as $2 million of those purchases per calendar yr.

You may additionally obtain automatic hotel elite status with Hilton and Marriott (enrollment required; phrases apply), get pleasure from quite a few procuring and journey protections and earn 2 factors per greenback spent in choose classes and on all purchases over $5,000 (on as much as $2 million in spending per calendar yr, then 1 level per greenback).

To be taught extra, learn our full review of the Amex Business Platinum.

Apply right here: The Business Platinum Card from American Express

Ink Enterprise Limitless Credit score Card

Welcome provide: Earn $900 money again after spending $6,000 on purchases throughout the first three months of account opening.

Annual payment: $0.

Standout advantages: The Ink Enterprise Limitless earns 1.5% money again on all purchases. You may additionally obtain major rental automotive insurance coverage when reserving rental automobiles for enterprise functions.

To be taught extra, learn our full evaluate of the Ink Business Unlimited.

Apply right here: Ink Business Unlimited Credit Card

Ink Enterprise Money Credit score Card

Welcome provide: Earn $900 money again after spending $6,000 on purchases throughout the first three months of account opening.

Annual payment: $0.

Standout advantages: Enterprise homeowners will earn 5% money again on workplace provides and choose utilities on the primary $25,000 in mixed spending and a pair of% money again on restaurant and fuel station purchases on the primary $25,000 in mixed spending every account anniversary yr (then 1% again). Cardholders can even obtain major rental automotive insurance coverage when reserving enterprise rental automobiles.

To be taught extra, learn our full review of the Ink Business Cash.

Apply right here: Ink Business Cash Credit Card

The Blue Enterprise Plus Credit score Card from American Specific

Welcome provide: Earn 15,000 factors after spending $3,000 on purchases throughout the first three months of card membership. Primarily based on TPG’s September 2025 valuations, this provide is price $300.

Annual payment: $0.

Standout advantages: Enterprise homeowners will earn 2 Membership Rewards factors per greenback spent on all purchases (as much as $50,000 per calendar yr, then 1 level per greenback) for no annual payment. These factors could be transferred to certainly one of Amex’s switch companions for max worth.

To be taught extra, learn our full review of the Blue Business Plus.

Apply right here: The Blue Business Plus Credit Card from American Express

United Enterprise Card

Welcome provide: Earn 100,000 bonus miles and a pair of,000 Premier Qualifying Factors (PQPs) after spending $5,000 within the first three months from account opening. Primarily based on TPG’s September 2025 valuations, this provide is price $1,300 in factors, plus the worth of two,000 PQPs.

Annual payment: $150.

Standout advantages: The United Enterprise Card provides a wonderful 7 miles per greenback spent on United flight purchases.

Enterprise homeowners can even obtain two United Club passes (major cardholder or approved person should be current to redeem them), plus quite a few United-specific perks that may improve their journey expertise, resembling free first checked bag for the first card member and one companion, precedence boarding and 25% money again on inflight purchases. Moreover, cardholders will obtain a handful of assertion credit to assist offset the cardboard’s annual payment.

To be taught extra, learn our full review of the United Business Card.

Apply right here: United Business Card

For aspect hustlers: A bank card with a flat incomes charge

You do not have to personal a brick-and-mortar retailer to use for a enterprise bank card. Whether or not you are a Lyft driver on the weekends or run a small Etsy retailer in your free time, you’ll be able to rack up rewards on your enterprise bills.

If you do not have a big finances for month-to-month enterprise purchases, there are two issues to search for in a enterprise card: a flat rewards charge and a low annual payment.

Some high selections embody:

These are distinctive choices in the event you even have an eligible American Express Membership Rewards, Capital One miles or Chase Ultimate Rewards-earning card.

Every issuer permits cardmembers to pool rewards between private and enterprise accounts, so you’ll be able to mix them for max redemption worth.

Associated: Who qualifies for a business credit card?

For workplace startups: A card with associated bonus classes

A number of enterprise playing cards provide rewards in spending classes like workplace provides and wi-fi companies. In the event you run your enterprise out of an workplace, you’ll be able to earn an important return in your on a regular basis enterprise bills with these playing cards.

The checklist of potential bonus classes contains purchases with:

• Cellphone service suppliers (when paying your month-to-month invoice along with your card)
• Eating
• Digital items retailers
• Gasoline
• Media suppliers for promoting in choose on-line, TV and radio media
• Software program and cloud system suppliers
• Transit purchases, together with trains, taxicabs, buses and subways

Some high choices embody:

Associated: Best rewards credit cards

For retail enterprise homeowners: A card that gives rewards for promoting

Whether or not you personal a boutique or an e-commerce web site, likelihood is you are spending cash every month on promoting your enterprise. Plus, most enterprise playing cards that supply rewards for promoting additionally provide rewards in different beneficial classes, like U.S. transport.

Some in style selections embody:

Associated: Best credit cards for advertising

For frequent enterprise vacationers: A cobranded card

In the event you journey the identical routes a number of instances all year long, fly on the identical airline or stick with the identical resort model, a cobranded enterprise bank card is a good choice.

You may get bonus factors or miles on each greenback spent with the airline or resort chain related to the cardboard. You may additionally get pleasure from further perks like free checked luggage, most popular boarding and simpler paths to elite standing.

Some in style cobranded airline cards embody:

A hotel card is a greater choice in the event you do not usually fly with the identical airline, however you do stick with the identical resort model.

Associated: Business cards vs. personal cards: Key differences

Associated: How to pick a strategy for your small-business credit cards

For charges and costs of the Amex Enterprise Gold Card, click on here.
For charges and costs of the Amex Enterprise Platinum Card, click on here.
For charges and costs of the Amex Blue Enterprise Plus Card, click on here.