Best Business Credit Cards
Business Credit Cards: Are You Eligible?
If you have a full on business with an EIN, then obviously yes, you can get a business credit card. Skip to the cards. But what if you don’t?
1) You do need to conduct business outside of a day job to get business credit cards. You are not eligible if you have a salaried position and no other income.
2) A side hustle counts. If you consult on the side, then you qualify for a business credit card. If you sell things on eBay or Craigslist, you qualify. If you sell goods or services anywhere, you qualify!
3) Note that if you do not have a registered business name and an EIN, you must apply in a very specific way, described below. Pay careful attention or you will be declined for a business credit card.
Apply as follows:
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Your business name is just your real name. If you are “Jim Smith” on your personal credit cards, then put “Jim Smith” as your name and “Jim Smith” again as your Business name. DO NOT MAKE UP A BUSINESS NAME.
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Your Tax ID number is your Social Security Number.
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Your business income will be the amount you make or expect to make from your side business.
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Do *not* include other income (such as investment income) etc, unless it is part of your business.
And if you have any questions at all, click the Live Chat button below.
Below are some of the best business credit cards. How are the cards ordered? We base our ratings on the value of the points of each business credit card by the amount of the bonus. Pretty simple!
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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9 Cards Available:
Business Platinum Card from American Express (Amex)
Annual Fee:
$595
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
Annual Fee:
$595
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.
Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).
In 2020, the Dell credit is doubled to $200 Jan-June and $200 July-Dec!)
Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
Annual Fee:
$99
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.
Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.
Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.
NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.
Hilton Honors American Express Business Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$625
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$625
Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases.
Earn bonus points on select business and travel categories: gas stations, wireless telephone service, shipping, restaurants, flights booked direct, and car rentals booked direct.
Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.
Delta SkyMiles® Platinum Business American Express Card
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$540
Annual Fee:
$250
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$540
Get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.
Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.
Delta Business Platinum Bonus Categories
- Earn 3X miles on Delta purchases.
- Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
- Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.
Additional Amex Delta Business Platinum Benefits
- $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
- Buy One, Get One Companion Certificate on select fares.
- $39 Delta SkyClub per-visit lounge access.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
Delta SkyMiles Reserve Business American Express Credit Card
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$540
Annual Fee:
$550
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$540
Get an annual companion certificate in any cabin class and Delta Sky Club Access + Centurion Lounge, plus your first checked bag free and priority boarding on Delta.
Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.
Delta Reserve Bonus Categories
- Earn 3X miles on Delta purchases
Additional Delta Reserve Benefits
- Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
- Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
- Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
- $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
Capital One® Spark® Cash for Business
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
This business card offers 2% cash back on all purchases, with no bonus categories to remember.
We know a lot of people that want the simplicity of having one card for all expenses with no bonus categories to remember.
One additional hidden benefit of this card is that if you also have the Capital One Spark Miles for Business credit card, you can accumulate cash back on this card and, if you choose, transfer to your Spark Miles account to transfer out to Capital One airline partners.
Marriott Bonvoy Business American Express Card
Annual Fee:
$125
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$450
Annual Fee:
$125
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$450
Earn Marriott Bonvoy points for all purchases. Earn 6x for stays at Marriott; 4x at restaurants, gas stations, shipping, and wireless telephone service; and 2x everywhere else. Get a free night award, silver status, and 15 elite credits annually.
If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level.
Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.
Blue Business Plus Credit Card from American Express
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$170
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$170
Highly Recommended:
Earn 2x Membership Rewards points on everything - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.
Intro 0% APR
0% introductory APR on purchases for 12 months (Terms apply)
American Express Blue Business Cash Card
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee.
Best Travel Credit Cards
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
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Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
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Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
