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When choosing a business credit card, there is no one card that towers above the rest.
The best business card depends on your specific needs, whether you’re looking for travel perks, high point multipliers, or valuable transfer partners.
If you’re looking for the best cash back credit card we wrote an article on that too.
Here, we’ll break down what we believe to be the top three options: the Capital One Venture X Business, the American Express® Business Gold Card, and the Chase Ink Business Preferred® Credit Card.
Each Card offers unique benefits, so let’s dive in and find the best match for your business.
Best Business Cash Back Credit Cards: Top 3 Options for Maximizing Rewards
Capital One Venture X Business Credit Card: Best for Travel and Lounge Access
The Capital One Venture X Business credit card is a top tier business card packed with travel perks and benefits. With the highest annual fee of the three, it justifies its cost by providing extensive credits, lounge access and anniversary rewards.
Annual Fee: $395, the highest of the three cards, but offset by travel credits.
Travel Credits and Anniversary Bonus: You’ll receive an annual $300 travel credit for bookings made through Capital One’s travel portal, plus a yearly bonus of 10,000 miles just for keeping the card open. These credits alone can significantly reduce the net cost of the card.
Lounge Access: Venture X cardholders get complimentary access to Capital One lounges and Priority Pass lounges, adding significant value for frequent travelers who want to relax and refresh in style.
Straightforward Earning Rate: The card earns 2x miles on all purchases, providing a consistent return on spending across categories, with no need to track different categories.
Ideal For: Business owners who travel frequently, want lounge access, and value the simplicity of a flat earning rate with substantial travel credits.
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American Express® Business Gold Card: Best for Transfer Partners and Multipliers
The American Express® Business Gold Card is ideal for business that want to take advantage of those high multipliers in specific spending categories and value the flexibility and travel partners of Membership Reward points.
While it doesn’t offer as many credits as the Venture X, it shines with its earning potential.
Annual Fee: $375, while still high its justifies by its strong category multipliers.
High Multipliers in Top Categories: Earn 4x on the top two categories where your business spends the most each month, including travel, advertising, gas stations, shipping and restaurants. This high multiplier applies to the first $150,000 spent annually across these categories, then drops down to 1x after reaching the cap.
Transfer Partners: Amex Membership Rewards points can be transferred to over 20 airline and hotel partners, providing excellent travel value and flexibility. This makes the Business Gold a go to choice for those who want to maximize points for luxury or international travel.
Ideal For: Businesses with significant ad spend or expenses in other 4x categories that want a card with high earning potential and valuable transfer options
Chase Ink Business Preferred® Credit Card: Best for Low Annual Fee and Solid Transfer Partners
The Chase Ink Business Preferred® Credit Card is a well rounded choice with a low annual fee, valuable transfer partners, and a solid earning structure, especially for businesses with ad spend.
Annual Fee: $95 the lowest of the three cards, making it a great choide for businesses.
Multipliers in Key Categories: Earn 3x points on the first $150,000 spent annually in combined purchases across categories like travel, shipping, internet, cable, phone services, and advertising. This cap is similar to the Business Gold, dropping to 1x after reaching the cap.
Unique Transfer Partners: Chase’s transfer partners include popular programs like United, Southwest, and Hyatt. With Hyatt often providing great value for hotel redemptions, a unique option that American Express and Capital One don’t offer.
Ideal For: Businesses with ad campaigns or travel, who want a low cost card with access to high value transfer partners like Hyatt.
How to Choose the Best Business Credit Card: Travel Perks, High Multipliers or Budget Friendly Rewards
Choosing the right business card depends on your spending habits and what benefits you want to prioritize. Here’s a quick breakdown to help you decide:
If You Want Travel Perks and Credits: The Capital One Venture X Business credit card is the top choice for travel benefits. With a $300 annual travel credit, lounge access, and an anniversary bonus, this card offers substantial value for frequent travelers, despite its higher annual fee.
If You Value High Multipliers in Specific Categories: The American Express Business Gold Card is ideal for businesses with high ad spend, travel or restaurant expenses. The 4x points on the top two categories give this card significant earning potential, especially if your spending aligns with these categories.
If You Want a Budget Friendly Option with Great Transfer Partners: The Chase Ink Business Preferred® Credit Card is the best choice for those who want a lower annual fee and solid transfer partners. Its 3x multipliers and access to partners like Hyatt provide strong value for a card at this price points.
Maximize Cash Back with a Combined Strategy
For businesses with diverse spending, a combined card strategy can maximize rewards across different categories and benefits.
For example, pairing the Capital One Venture X Business credit card for travel perks with the American Express Business Gold Card allows you to earn valuable travel credits and enjoy high point multipliers in essential categories.
Alternatively, Pairing the Chase Ink Business Preferred® with the American Express Business Gold Card gives you access to Chase’s unique transfer partners like Hyatt, while also benefiting from Amex’s multipliers in your top two categories.
Final Thoughts
The best business credit card for you depends on your business’s spending patterns and reward priorities.
For Travel focused rewards and lounge access, the Capital One Venture X Business provides excellent value with its credits and perks.
If maximizing points in top spending categories is your priority, the American Express® Business Gold Card is the way to go.
And if you prefer a lower annual fee option with strong transfer partners, the Chase Ink Business Preferred® Credit Card is the one.
Ultimately, all three cards offer substantial rewards and unique benefits, so think about how much you’re willing to invest into maximizing your rewards.
Whether you want straightforward travel perks, high multipliers, or a budget friendly choice, there’s an option here to match your business needs.
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