Best Business Credit Cards of 2023

Best Business Credit Cards

Business owners are aware that every dollar is important. Using a company credit card can be a fruitful tactic when it comes to maximizing commercial transactions.

Numerous advantages may be available with business credit cards. These include loyalty points, rewards or cash back, travel insurance, and expense management. choosing out which of these elements are important to your company and deciding if rewards, cash back, or credit-building assistance are most important to you are the keys to choosing the best business credit cards.

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Below is the top 10 best business credit cards that meet our list

The Blue Business (R) Plus Credit Card from American Express

A unique example of a technique to manipulate your rewards earnings without paying an annual fee is the Blue Business Plus card. Up to $50,000 in annual purchases will result in 2X points being earned. If your company is small enough to spend less than $50,000 annually, it is the ideal fit. If not, spend up to the $50,000 maximum and then use a different card for the remaining purchases of the year. Either way, you will succeed.

This is the BEST OVERALL, BEST BUSINESS FLEXIBLE REWARDS AND BEST 0% APR BUSINESS CARD.

THE CARD DETAILS

• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® 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.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

Pros

1. Wide variety of airline transfer partners
2. No annual fee
3. High rewards rate on the first $50,000 in annual spending

Cons

1. There’s a foreign transaction fee
2. 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending

APPLY HERE

Ink Business Premier (SM) Credit Card

For companies that can pay in full each month, the Chase Ink Business Premier charge card provides significant spending power as well as a hefty rewards rate on major purchases.

This is the BEST FLAT-RATE CASH BACK BUSINESS CARD.

THE CARD DETAILS

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction
• Fees and Trip Cancellation/Trip Interruption Insurance.
• Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
• Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell
• Phone Protection, and Extended Warranty Protection.
• There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC

Pros

1. Strong welcome offer
2. 5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more and
3. 2% cash back on all other purchases
4. No annual fee for employee cards
5. Several travel and purchase protections

Cons

1. High annual fee
2. Designed to be paid in full each month
3. Points can’t be transferred to airline or hotel programs
4. Points can’t be transferred to other Ultimate Rewards-earning cards

APPLY HERE

World of Hyatt Business Credit Card

With the World of Hyatt Business Credit Card, you can use card purchases as an additional boost to your earning potential with the hotel brand.

This is the BEST HOTEL CARD FOR BUSINESSES.

THE CARD DETAILS

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
• 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

Pros

1. Welcome bonus
2. Solid earnings rates
3. Automatic Discoverist status

Cons

1. Annual fee
2. Low earning rate for non-bonused spending
3. Base level status with the card offers limited benefits

APPLY HERE

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Wells Fargo Business Elite Signature Card

Only for businesses with annual sales over $1 million who require robust employee spending control and reporting. For others, better options are available.

This is the BEST BUSINESS CARD FOR LOW INTEREST RATE.

THE CARD DETAILS

• Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date
• Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
• Travel Incidental Fee Reimbursement: up to $100 per calendar year per company
• Annual Fee: $0 first year, and then $125

Pros

1. Excellent benefits and perks, like travel insurance
2. No foreign transaction fees
3. Up to 200 no-extra-cost employee cards

Cons

1. $125 Annual fee (waived first year)
2. Other cards in the the same category offer higher rewards
3. Cash back is only credited to your account quarterly

Brex 30 Card

This is the BEST BUSINESS CARD WITHOUT A PERSONAL GUARANTEE. Unlike most business credit cards, this corporate card doesn’t require a personal guarantee.

THE CARD DETAILS

• 10,000 signup bonus points after spending $3,000+ in the first 3 months.
• Brex offers a corporate credit card designed to help companies boost their spending power and grow faster
• Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7x on rideshare and 2x on recurring software
• Build business credit from day one with a card that’s automatically paid monthly
• No credit check, no personal guarantee, no account fees, and no interest
• Save time and money with automatic receipt-matching and built-in expense management tools to help you gain detailed insights on your spend
• Issue unlimited virtual cards to your team, and set custom limits on each card
• Close the books in record time with QuickBooks, Xero, NetSuite, Concur, and Expensify integrations
• To get approved for a Brex card with monthly payments, businesses need a linked bank balance of at least $50,000
• Brex Mastercard® issued by Emigrant Bank, Member FDIC. Brex Cash provided by Brex Treasury LLC, member FINRA and SIPC. Brex Treasury is not a bank; Brex Cash is not a bank account. Testimonials may not represent experiences of all clients. Terms apply, visit brex.com.

Pros

1. Generous rewards on certain spending categories
2. No personal guarantee required

Cons

1. Can’t carry a balance

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United Club (SM) Business card

The card made for business owners who fly heavily on United and live for luxury perks. The $450 annual fee is offset by the complimentary United Club lounge membership (worth $550/year), so the rest of the benefits are essentially free. You’ll earn a nifty 1.5 miles-per-dollar on all purchases (2-1 on United), with no limits or spending categories.

This is BEST AIRLINE CARD FOR BUSINESSES.

THE CARD DETAILS

• Earn 50,000 bonus miles after spending $5,000 on purchases in the first 3 months your account is open
• Earn 2 miles per dollar spent on United purchases and 1.5 miles on all other purchases
• $450 annual fee

Pros

1. Luxury travel benefits including Premier Access
2. Free United Club membership
3. Expanded award inventory
4. Free employee cards

Cons

1. High annual fee
2. Lack of common bonus categories

U.S. Bank Triple Cash Rewards Visa (R) Business Card

Even without the balance transfer option the U.S. Bank Triple Cash Rewards is an attractive option with a generous welcome bonus and enhanced earnings in categories that align with many businesses’ spending. The extended introductory 0% APR period is icing on an already tasty cake.

This is a BEST BALANCE TRANSFER BUSINESS CARD.

THE CARD DETAILS

• Earn $500 cash back after spending $4,500 on the account owner’s card within 150 days of opening the account
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the travel rewards center, 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases
• $0 annual fee
• Earn an annual $100 software credit for recurring software subscription expenses

Pros

1. No annual fee
2. Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants.
3. Introductory APR on purchases and balance transfers

Cons

1. Reward categories may not align with how some businesses spend
2. Foreign transaction fee
3. There’s a balance transfer fee which can eat into your savings when transferring a balance

Wyndham Rewards Earner (R) Business Card

Best in class earnings on gas station purchases mean road warriors will rack up points quickly. With a Wyndham at almost every highway exit you’ll never lack for options to spend your points.

This is a BEST BUSINESS CARD FOR ROAD WARRIORS.

THE CARD DETAILS

• Earn 45,000 bonus points after spending $3,000 in the first 90 days
• Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases
• Earn 5 points per $1 spent on marketing, advertising and utilities
• Earn 1 point per $1 spent on all other purchases
• Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
• Receive 15,000 bonus points each anniversary year
• Receive cell phone protection for the next calendar month when you pay your wireless bill with your card

Pros

1. Wyndham Diamond Status, which matches to Caesar’s Diamond
2. Industry leading 8 points per dollar spent on gas
3. Earn 5 points per dollar on utilities, which is a category not often bonused
4. Cell phone insurance in addition to 5 points per dollar earnings on cell phone bills
5. 10% award redemption discount, on top of already reasonable award rates

Cons

1. Wyndham is not tailored for luxury travelers
2. Popular categories such as dining and non-Wyndham travel not given category bonuses
3. Top-tier status at Wyndham means less than it would at other chains

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The Hilton Honors American Express Business Card

For a modest $95 annual fee, the Hilton Honors American Express Business Card delivers remarkable value to Hilton loyalists. The 10 complimentary lounge visits issued each Priority Pass Membership year with this card are worth about $300 annually, plus you’ll earn Hilton Honors Gold status.

This is the BEST HOTEL BUSINESS CARD FOR GLOBAL REACH.

THE CARD DETAILS

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business
• Card within the first three months of Card Membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
• Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
• Terms apply.

Pros

1. No foreign transaction fees
2. Complimentary Hilton Honors Gold status
3. Generous welcome bonus
4. Long list of bonus spending categories

Cons

1. No intro APR offer
2. Points have a low redemption value
3. Points transfer rate to partners is a poor value

Delta SkyMiles (R) Reserve Business American Express Card

Delta’s highest-tier premium rewards card is destined for high-flying business owners with the means to leverage the lavish perks. The Delta Sky Club® (effective 2/1/25, cardholders will receive 10 Delta Sky Club visits per year; unlimited visits can be earned when total purchases exceed $75,000 in 2024 and each calendar year thereafter) and annual companion ticket (for eligible flights, taxes and fees apply) alone are worth far more than the annual fee.

This is the BEST BUSINESS CARD FOR LOUNGE ACCESS.

THE CARD DETAILS

• Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
• Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
• After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
• Enjoy 3x miles per dollar on Delta purchases.
• With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
• Terms and limitations apply.

Pros

1. Complimentary Delta Sky Club® access and entry into Amex Centurion Lounges when you fly Delta and use your card to book your flight (effective 2/1/25, cardholders will receive 10 Delta Sky Club visits per year; unlimited visits can be earned when total purchases exceed $75,000 in 2024 and each calendar year thereafter)
2. Rich travel benefits, including Reserve Concierge and annual companion ticket for eligible flights (taxes and fees apply)
3. Status Boost program gives you a fast track to elite status

Cons

1. High annual fee for an airline credit card
2. High standard APR
3. Higher rewards rates are available elsewhere

APPLY HERE

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Conclusion

Choosing the best business credit card depends on your specific needs and financial goals. Whether you prioritize rewards, low interest rate, or specific perks like travel benefits, there are numerous option available.

It is essential to carefully compare and consider the terms, fees and rewards offered by different cards to find the one that align best with your business objectives.

Ultimately, the best business credit card is the one that complements your business strategy and financial situation, helping you achieve success and growth.