Best Business Rewards Credit Cards: Earn Miles, Points, and Cash Back on Your Business Expenses

As a business owner, you're always looking for ways to save money and maximize your resources. One of the best ways to do that is by using a business rewards credit card. These cards offer a variety of perks, such as:

• Cash back rewards: Earn money back on your everyday business expenses.
• Travel rewards: Redeem points for flights, hotels, and other travel expenses.
• Bonus categories: Earn extra rewards on certain types of purchases, such as dining, gas, or office supplies.
• Travel insurance: Protect yourself against unexpected events when you're traveling for business.
• Rental car insurance: Get coverage for your rental car when you use your business credit card.
• Other perks: Some cards offer perks like airport lounge access, travel credits, or discounts on business services.

With so many different business rewards credit cards on the market, it can be tough to know which one is right for you. That's why we've put together this guide to the best business rewards credit cards of 2023.

Best Overall: Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is a top choice for businesses of all sizes. It offers a generous welcome bonus of 80,000 bonus points after you spend $5,000 in the first 3 months of account opening.

• Welcome Bonus: 80,000 bonus points after you spend $5,000 in the first 3 months of account opening.
• Points Value: 1 cent per point when redeemed for travel through Chase Ultimate Rewards, or 1.25 cents per point when redeemed for certain hotels and airfare.
• Bonus Categories: Earn 3 points per $1 spent on travel, dining, and shipping purchases (including delivery services like FedEx, UPS, and USPS). 1 point per $1 spent on all other purchases.
• Other Perks: No foreign transaction fees, purchase protection, extended warranty protection, and travel and emergency assistance services.
• Annual Fee: $95

Best for Travel Rewards: Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is a great option for businesses that travel frequently. It offers a generous welcome bonus and the ability to redeem miles for travel at a fixed value.

• Welcome Bonus: 75,000 bonus miles after you spend $4,000 in the first 3 months of account opening.
• Points Value: 1 cent per mile when redeemed for travel through Capital One Travel.
• Bonus Categories: Earn 2 miles per $1 spent on all purchases.
• Other Perks: Free Priority Pass membership, airport lounge access, 10,000 bonus miles after each account anniversary, and travel and emergency assistance services.
• Annual Fee: $395

Best for Cash Back Rewards: American Express Blue Business Cash Preferred Card

The American Express Blue Business Cash Preferred Card is a solid choice for businesses that want to earn cash back on their everyday expenses. It offers a flat rate of 2% cash back on all purchases, with no limit on how much you can earn.

• Welcome Bonus: $250 statement credit after you spend $3,000 in purchases within the first 3 months of card membership.
• Points Value: 1 cent per point when redeemed for cash back.
• Bonus Categories: Earn 2% cash back on all purchases.
• Other Perks: Purchase protection, extended warranty protection, and travel and emergency assistance services.
• Annual Fee: $95

Best for Small Businesses: Amex EveryDay Preferred Credit Card

The Amex EveryDay Preferred Credit Card is a good option for small businesses that don't need a lot of bells and whistles. It offers a simple rewards program and a generous welcome bonus.

• Welcome Bonus: 10,000 Membership Rewards points after you spend $1,000 in purchases on your card within the first 3 months of card membership.
• Points Value: 1 cent per point when redeemed for statement credits, travel, or merchandise.
• Bonus Categories: Earn 2 points per $1 spent at supermarkets on up to $6,000 per year in purchases, then 1 point per $1 spent.
• Other Perks: Purchase protection, extended warranty protection, and travel and emergency assistance services.
• Annual Fee: $95

Best for Startups: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is a premium business credit card that offers a wide range of perks and benefits. It's a great choice for startups that are looking for a card that can help them grow their business.

• Welcome Bonus: 100,000 bonus Membership Rewards points after you spend $15,000 in purchases on your card within the first 3 months of card membership.
• Points Value: 1 cent per point when redeemed for statement credits, travel, or merchandise.
• Bonus Categories: Earn 5 points per $1 spent on flights booked directly with airlines or on amextravel.com, 5 points per $1 spent on prepaid hotels booked directly with hotels or on amextravel.com, and 1 point per $1 spent on all other purchases.
• Other Perks: Global Assist Hotline, purchase protection, extended warranty protection, airport lounge access through Priority Pass Select, and travel and emergency assistance services.
• Annual Fee: $595

Best for Frequent Travelers: United℠ Business Card

The United℠ Business Card is a great option for businesses that fly United Airlines frequently. It offers a generous welcome bonus and the ability to earn miles that can be redeemed for flights, upgrades, and other travel benefits.

• Welcome Bonus: 70,000 bonus miles after you spend $5,000 in purchases on your card within the first 3 months of card membership.
• Points Value: 1 mile per point when redeemed for flights and other travel expenses.
• Bonus Categories: Earn 2 miles per $1 spent on eligible United purchases (including flights, baggage fees, and in-flight purchases), and 1 mile per $1 spent on all other purchases.
• Other Perks: Priority boarding on United flights, first checked bag free on United flights, 2 United Club passes, and access to special discounts and promotions.
• Annual Fee: $99

Factors to Consider When Choosing a Business Rewards Credit Card

When choosing a business rewards credit card, it's important to consider the following factors:

• Rewards program: What kind of rewards do you want to earn? Do you prefer cash back, travel miles, or points that can be redeemed for merchandise?
• Bonus categories: Are there any specific categories where you spend a lot of money? If so, look for a card that offers bonus rewards in those categories.
• Annual fee: How much are you willing to pay for a business credit card? Some cards have annual fees, while others are free.
• Interest rate: If you carry a balance, you'll want to choose a card with a low interest rate.
• Perks and benefits: What other perks and benefits are important to you? Look for cards that offer travel insurance, rental car insurance, or other perks that you value.

Tips for Maximizing Your Business Rewards

Once you've chosen a business rewards credit card, here are a few tips for maximizing your rewards:

• Use your card for all of your business expenses. The more you use your card, the more rewards you'll earn.
• Take advantage of bonus categories. If your card offers bonus rewards in certain categories, make sure to use it for those purchases.
• Pay your balance on time. Avoid interest charges by paying your balance in full each month.
• Redeem your rewards wisely. Make sure to redeem your rewards for something that you'll actually use.

Using a business rewards credit card can be a great way to save money and earn valuable rewards on your business expenses. By carefully considering the factors listed above, you can choose the best business rewards credit card for your needs and start earning rewards today.