- 3%Points on the first $150,000 spent in combined annual categories
- 1%Points on all other purchases
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent in combined annual categories.
17.74%-26.74% Variable APR
The Chase Ink Business Preferred® Credit Card stands out as the top choice because it offers a substantial welcome bonus of 100,000 points, which can be incredibly valuable for businesses looking to maximize their rewards. Its flexible rewards structure allows cardholders to earn points on a variety of spending categories, making it a versatile option for business expenses.
Pros:
- High welcome bonus
- Flexible rewards structure
Cons:
- Annual fee
- High spending requirement for bonus
- 1.5%Cash back on all purchases
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Earn unlimited 1.5% cash back on every purchase.
0% intro APR for 12 months; 16.74%-24.74% Variable APR
What sets the Ink Business Unlimited® Credit Card apart is its straightforward cash back structure, offering a flat 1.5% on all purchases without any annual fee. This simplicity makes it an attractive option for businesses that prefer a no-fuss rewards program.
Pros:
- No annual fee
- Flat-rate cash back
Cons:
- Lower rewards rate compared to tiered cards
- Limited bonus opportunities
- 5%Cash back on business essentials
- 2%Cash back on dining and gas
Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Earn 5% cash back on business essentials.
0% intro APR for 12 months; 17.74%-28.49% Variable APR
The standout feature here is the Ink Business Cash® Credit Card's high cash back rate of 5% on business essentials, making it an excellent choice for companies that frequently purchase office supplies and other business-related expenses. Its no annual fee structure further enhances its appeal.
Pros:
- High cash back on specific categories
- No annual fee
Cons:
- Limited to specific categories for higher rewards
- Spending cap on bonus categories
4.The Business Platinum Card® from American Express
American Express
- 5%Membership Rewards points on flights and prepaid hotels
- 1%Membership Rewards points on all other purchases
Earn a targeted welcome offer reaching as high as 300,000 Membership Rewards points after spending $20,000 in eligible purchases in the first 3 months.
Earn 5X Membership Rewards points on flights and prepaid hotels on amextravel.com.
17.74%-28.49% Variable APR
This card shines for its premium travel rewards, offering 5X points on flights and prepaid hotels, making it ideal for businesses with significant travel expenses. The extensive travel benefits and statement credits can help offset the high annual fee, providing substantial value for frequent travelers.
Pros:
- High rewards on travel
- Extensive travel benefits
Cons:
- High annual fee
- Complex rewards structure
5.American Express® Business Gold Card
American Express
- 4%Membership Rewards points on top two eligible categories
- 1%Membership Rewards points on all other purchases
Earn a welcome bonus of up to 200,000 Membership Rewards points after spending $15,000 in eligible purchases within your first 3 months.
Earn 4X Membership Rewards points on your top two eligible spending categories each month.
17.74%-28.49% Variable APR
A key differentiator is the American Express® Business Gold Card's ability to earn 4X points on your top two eligible spending categories, making it particularly valuable for businesses that have specific areas of high expenditure. This flexibility allows cardholders to maximize their rewards based on their unique spending patterns.
Pros:
- High rewards on top spending categories
- Flexible rewards structure
Cons:
- Annual fee
- Spending cap on rewards
6.Capital One Venture X Business
Capital One
- 2%Miles on every purchase
Earn 150,000 bonus miles after you spend $30,000 on purchases in the first 3 months.
Earn unlimited 2X miles on every purchase.
25.74% Variable APR
The Capital One Venture X Business card is a premium travel rewards card that excels with its unlimited 2X miles on all purchases, making it a great choice for businesses that want straightforward rewards without the hassle of category restrictions. The substantial welcome bonus further enhances its value for new cardholders.
Pros:
- High welcome bonus
- Unlimited miles on all purchases
Cons:
- High annual fee
- High spending requirement for bonus
7.Capital One Spark Cash Plus
Capital One
- 2%Cash back on every purchase
Earn a one-time cash bonus of $2,000 plus a limited-time $500 Capital One Business Travel credit when spending $30,000 in the first 3 months.
Earn unlimited 2% cash back on every purchase.
25.74% Variable APR
The standout feature of the Capital One Spark Cash Plus is its unlimited 2% cash back on every purchase, making it an excellent choice for businesses that prefer a straightforward rewards program. The generous welcome bonus adds significant value for new cardholders looking to maximize their rewards.
Pros:
- High cash back rate
- Simple rewards structure
Cons:
- Annual fee
- High spending requirement for bonus
Did you know?
Business credit cards separate company spend and may offer higher limits. Compare fees, employee cards, and whether rewards categories match your operating expenses.
Final Words
As you evaluate your options for the best business credit cards this September, remember that the right choice can significantly impact your financial strategy. Take time to compare the features, rewards, and terms of each card to ensure you make an informed decision that aligns with your business needs.
Frequently Asked Questions
The Chase Ink Business Preferred® Credit Card offers 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
The Ink Business Cash® Credit Card allows you to earn 5% cash back on business essentials and 2% cash back on dining and gas. You also earn 1% cash back on all other purchases.
The Ink Business Unlimited® Credit Card has no annual fee, making it a cost-effective option for business owners.
The APR for the Chase Ink Business Preferred® Credit Card ranges from 17.74% to 26.74% Variable APR, depending on your creditworthiness.
Consider your spending habits, the types of rewards you value, and whether you prefer points or cash back. Review the welcome bonuses and ongoing rewards rates to find a card that aligns with your business expenses.
Yes, some business credit cards, such as the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card, offer 0% intro APR for the first 12 months. This can be beneficial if you plan to make large purchases soon after opening the account.
The Ink Business Unlimited® Credit Card offers unlimited 1.5% cash back on every purchase, making it a straightforward option for earning rewards without worrying about category limits.
