As a senior credit card analyst for Bankrate, Skowronski authored several studies on the payments industry, which were covered by major news outlets, https://www.craigandleicht.com/what-to-know-about-travel-expense-reimbursement/ including The New York Times, Washington Post and Vox.com. She has also appeared as a pundit on Good Morning America, The Willis Report, Yahoo Finance, ABC World News with David Muir, NPR’s Marketplace and numerous local television and radio stations. She has served as a speaker and panelist at several American Banker conferences. High-spending businesses can take home a ton of cash-back without worrying about complicated travel rewards. The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most.
Beyond the sign-up bonus, you’ll score 5% cash back (up to $1,250) on the first $25,000 your company spends each account anniversary year in combined purchases of internet, cable and phone services and at office supply stores. As long as you meet the issuer’s criteria for approval based on your personal credit history, you can qualify for a business credit card, regardless of your industry and even if you’re just starting a new business. Even if your small business consists of just How to Invoice as a Freelancer you as a sole proprietor, there’s a good chance you can find a business credit card that fits your needs. Bankrate.com is an independent, advertising-supported publisher and comparison service.
For those with spending that falls outside other cards’ bonus categories, this is an excellent option. The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Note that if your credit isn’t at least considered “good,” the business credit cards available to you will likely have lackluster rewards programs, if they offer any rewards at all. Just know that responsibly using the best business credit cards for bad credit can boost your credit score and, in time, qualify you for a business credit card with a better rewards program.
While both types of business credit cards are used to finance a business, small-business credit cards are designed for all small-business owners and have much fewer barriers to entry than corporate credit cards. Corporate credit cards are usually only accessible to larger businesses with millions in annual revenue, and it’s typically much tougher to qualify. In addition, the debt burden always lies with the primary cardholder – the person providing the personal guarantee with a small-business credit card. With corporate credit cards, liability may fall solely on the business or be shared between all authorized cardholders. This hassle-free flat rate card lets business owners earn 1.5% cash back on every eligible purchase.
Read a full review of the Ink Business Premier, apply for the Ink Business Premier. Read a full review of the Ink Business Unlimited, apply for the Ink Business Unlimited. what is a business credit card Read a full review of the Ink Business Cash, apply for the Ink Business Cash.
The card also offers useful bonus categories, excellent travel and rental car protection, an amazing cell phone protection plan, and flexible points. You can even potentially get the card for multiple businesses, including sole proprietorships, so learn more about applying for Chase business cards. Many business credit cards offer generous welcome bonuses for new cardholders and offer bonus rewards on common business expenses such as shipping fees, office supplies, or travel. Business cardholders may also be able to take advantage of zero-interest intro APRs and interest-free periods. The best business credit cards in 2025 offer welcome bonuses and high cash back or rewards on category-based spending.
Whether you own a brick-and-mortar boutique or an e-commerce site, chances are you’re spending money each month on advertising your business. Plus, most business cards that offer rewards on advertising also offer rewards in other valuable categories, like U.S. shipping. No matter what type of business or side hustle you manage, there’s a great business credit card that can help you earn more rewards with your everyday business spending. It’s not uncommon to see a 0% intro APR card have much higher APR rates when that window is over. Luckily for Amex Blue Business Cash card holders, the APR range is in line with other credit cards in this range and is not unfair by any means.
