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Whether you're running a well-established company with several employees, just starting up, or doing freelancing as a side hustle, the right business card is crucial for maximizing rewards while managing your business.
Here’s our rundown of the Best Business Cards of February 2024.
Best for high-spending businesses: Capital One Venture X Business
The Capital One Venture X Business is an incredibly solid option for business owners seeking valuable rewards and benefits. This card is particularly well-suited for companies with significant spending, offering generous rewards on travel and everyday business expenses. Cardholders earn 2 miles on every purchase, 5 miles on flights booked through Capital One Travel, and 10 miles on hotels and rental cars booked through Capital One Travel. Miles can be redeemed for travel, gift cards, or other expenses, making it a versatile choice for diverse business needs. Though it carries a $395 fees (see rates & fees), the card includes awesome travel perks like airport lounge access and travel insurance, enhancing its appeal for business travelers. The Venture X Business Card combines practicality and luxury, making it a compelling choice for businesses looking to maximize their credit card benefits.
Best for freelancers: Ink Business Unlimited® Credit Card
The Ink Business Unlimited Credit Card is a popular choice for business owners who want straightforward rewards and redemption flexibility It earns an unlimited 1.5% cash back on all purchases, making it an uncomplicated option for a variety of business expenses. The card carries no annual fee and includes an introductory 0% APR period of 12 months for purchases. After that, the variable APR for purchases is 18.49% to 24.49%, based on your creditworthiness and other factors. Additionally, the card provides a $750 sign-up bonus when you spend $6,000 in the first 3 months. To get the absolute most out of this card, pair it with cards like the Chase Sapphire Reserve, [Chase Sapphire Preferred Card] (https://www.joinkudos.com/explore-cards/card/509)), and the Ink Business Preferred Credit Card. This allows you to convert the cash back you earn with this card into valuable Chase Ultimate Rewards points. This card is ideal for businesses looking for a simple yet effective reward structure without an annual fee.
Best for bonus earning: Ink Business Preferred® Credit Card
The Ink Business Preferred Credit Card is a strategic choice for businesses looking to maximize their spending efficiency. The card earns rewards in four key business-related categories: travel, shipping, advertising, and services from telecommunication providers. Additionally, the card includes essential features like travel and shopping protection, enhancing its value for business owners. A standout feature is the primary car rental coverage for business use, extending protection to both the cardholder and their employees. Pair with the Ink Business Unlimited Credit Card to maximize your rewards potential for your business even more.
Best for business travel luxury: The Business Platinum Card® from American Express
The Business Platinum Card from American Express is an excellent choice for regular business travelers looking to add a luxurious touch to their journeys. Despite its significant $695 annual fee (see rates & fees), the card offers a plethora of benefits and perks. Key features include substantial annual travel credits and access to exclusive lounges, including the esteemed Amex Centurion Lounges, which takes the travel experience to a whole new level. Cardholders earn 5X Membership Rewards points on flights and prepaid hotels on AmexTravel.com, 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year, and 1X points for each dollar you spend on other eligible purchases. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Best for business versatility and travel rewards: American Express® Business Gold Card
The American Express Business Gold Card is a versatile card tailored for business owners who want to maximize their spending efficiency. It stands out for its ability to earn 4x points on the top two categories where your business spends the most each billing cycle up to the first $150,000 per calendar year (then 1x thereafter). Cardholders also earn 3X Membership Rewards point per $1 spent on American Express Travel and 1X Membership Rewards point per $1 spent on all eligible purchases. Although it carries a $295 annual fee - $375 if your application is received on or after 2/1/2024 (see rates & fees), the card offers valuable perks like access to a suite of expense management tools, making it easier to track and organize business expenses. This card is a great fit for businesses looking to earn rewards on their everyday spending while enjoying the premium benefits that come with an American Express card. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Best for Southwest Business Travelers: Southwest Rapid Rewards® Premier Business Credit Card‍
The Southwest Rapid Rewards Premier Business Credit Card is the best choice for business owners who frequently fly Southwest Airlines. This card offers a substantial point-earning potential, with elevated rewards on Southwest purchases and bonus points on other business-related categories like social media and search engine advertising, internet, cable, and phone services. Cardholders benefit from four upgraded boardings per year (based on availability), in-flight WiFi credits, and a Global Entry or TSA PreCheck fee credit, enhancing the travel experience. Additionally, the card includes anniversary points, adding value each year. With no foreign transaction fees and employee cards at no additional cost, it's an excellent choice for businesses looking to maximize travel rewards and enjoy Southwest Airlines' benefits. The card's perks and rewards structure make it a top contender for business owners seeking to leverage their company spending into travel benefits.
Best for Small Business Owners who fly United: UnitedSM Business Card
The United Business Card is a superb choice for business travelers who frequently fly with United Airlines. This card offers a variety of benefits tailored to enhance the travel experience of United customers. Key features include a significant number of bonus miles after meeting initial spending requirements, making it highly attractive for new cardholders. Cardholders earn increased miles on United purchases, as well as on other business expenses like office supplies, gas stations, and restaurants. An annual bonus in the form of miles adds to the card's long-term value. Additionally, United Business Card members enjoy perks such as free first checked bag, priority boarding, and two United Club one-time passes each year, enhancing the airport experience. Moreover, the card provides valuable travel protections, including trip delay reimbursement and lost luggage insurance. The inclusion of no foreign transaction fees makes it a great option for international business travel. The United Business Card is an excellent option for business owners who frequently fly with United and want to maximize their travel rewards and benefits.
Best for Streamlined Spending: Capital One Spark Cash Plus
The Capital One Spark Cash Plus is another similar no-nonsense business cash back card, earning a flat 2% on all purchases. It also earns 5% cash back on hotels and rental cars booked through Capital One Travel. This card stands out with its lack of a preset spending limit and no annual fee for employee cards (see rates & fees). Keep in mind: it does come with a $150 annual fee. The card provides a unique yearly cash bonus for high spenders and does not charge foreign transaction fees, adding to its appeal for businesses with international dealings.
Best for Office Supplies and Technology Spending: Ink Business Cash® Credit Card
The Ink Business Cash Credit Card is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations on purchases up to $25,000 per year. Other benefits of the card include no annual fee, no additional cost for employee cards, and various travel and purchase protection benefits like rental car insurance, purchase protection, and extended warranty protection. The card also integrates well with other Chase Ultimate Rewards cards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, and the Ink Business Preferred® Credit Card, allowing cardholders to increase the value of their rewards when used in combination with these cards.
Interested in seeing our picks for other cards? Make sure to check out our Best Airline Cards post, [Best Travel Credit Cards post] (https://site.joinkudos.com/blog/best-credit-cards-of-december-2023)andand) Best Cashback Credit Cards post.
Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.