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Best Business Credit Cards for Startups & Entrepreneurs 2024

Author Leif Dahleen
Editor Deepti Nickam

Terms and Restrictions Apply
Physician on FIRE has partnered with CardRatings for our coverage of credit card products. Physician on FIRE and CardRatings may receive a commission from card issuers.
Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. POF does not include all card companies or all available card offers. Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider's terms and conditions to determine which card works for you and your personal financial situation.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

 

I’ve been a small business owner for most of my career. In recent years, I’ve learned how to leverage various credit cards to maximize rewards. Below, you will find the best business credit cards for startups that you can obtain by 2024, several of which offer generous welcome bonuses.

You may be a small business owner like me. If you have a private practice or a partnership, that’s obviously a business. If you earn money with a blog or podcast, do freelance work, or sell products online, that’s a business. If you watch or walk dogs via Rover, that’s a business!

That’s all you need to apply for a business credit card. It doesn’t hurt to get an EIN (which takes all of 60 seconds), but some people apply using their social security numbers.

When I was a locum tenens physician, I had a business for that. Now that I’m a blogger, I’ve got a business that encompasses the website and all related activities.

A small business credit card is a great way to help keep track of expenses related to the business. I track business expenses on a spreadsheet and combine business and personal expenses on different cards depending on what I’m trying to achieve.

I’ve already shared my credit card rewards strategies and top tips in the updated Credit Cards for People Who Love Travel and Money. If you haven’t yet, give that a read and return here to learn more specifically about business cards.

 

Top Startup Business Credit Cards in 2024

Conservatively speaking, I’ve reviewed over 80 credit cards in the market (some of which I use extensively for business and personal spending).

What you see below is a curated list of some of the best new business credit cards I’ve come across—categorized by key features to help you find your perfect match.

Business credit card category Top recommendations 
Best new LLC business credit cards card_name
card_name
Best cash back business credit cards card_name
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best travel business cards card_name
card_name
card_name
Best easy business credit cards Brex Card
card_name
Best secured business credit cards card_name
Ramp Card
Best business credit cards with no annual fee card_name
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best zero interest business credit cards card_name
card_name
Best small business credit card for airline miles card_name
card_name
card_name
card_name
Best hotel business credit cards card_name
card_name
Best business credit cards for flexible points card_name
card_name
card_name

 

Note: I’ve selected the best cards based on what I feel is the best combination of a valuable welcome bonus, solid ongoing rewards, and a reasonable annual fee. There are additional cards that offer more perks but come with annual fees of $450 or more. I’ve included some of these big ballers out there.

In the spreadsheet that accompanies this article, I did include a couple of cards with no welcome bonus for those who frequent Costco or want a no-annual-fee card, but the rest of the cards feature offer bonuses worth anywhere from $500 to $2,000 or more.

 

Best New LLC Business Credit Cards

 

card_name

If you’re new to the credit card game, you probably value simplicity. Capital One’s business cards score well on this front—especially the Spark Cash Select Card for Good Credit.

As the name suggests, you’ll need a good credit score (a FICO score of 670+) to qualify for this small business card. In return, you bag 1.5% cash back on every single purchase—meaning you won’t have to worry about maximizing particular spending categories.

Let’s say your business spends on this card add up to $6,000 monthly, you’ll earn a $90 cash back, which adds up to $1,080 cash back annually.

This card gets more brownie points for having no annual fee and an introductory 0% APR offer on purchases for the first 12 months.

 

Incrowd_surveys

Physicians and pharmacists, Register with Incrowd for the opportunity to earn easy money with quick "microsurveys" tailored to your specialty.

 

Apply for the Capital One Spark Cash Select for Good Credit here.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

This one’s a catch-all business card I recommend if you already bank with the issuer and qualify for a higher rewards rate. And unlike the Spark Cash Select Card for Good Credit, this card gives you a decent sign-up bonus—you bonus_miles_full

If you’re enrolled in the bank’s Preferred Rewards for Business program (you’ll qualify only if you keep enough money with the bank)—you can earn up to 2.62 points per dollar spent. This is one of the highest base reward rates you’ll find on a $0-annual-fee card.

For non-members, the value is reduced to 1.5 points per dollar spent on all purchases.

 

Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard®.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Best Cash Back Business Credit Cards

 

card_name

The version of the Spark Cash Card that caters to folks with excellent credit comes with a great welcome bonus—a bonus_miles_full

Plus, it’s a straightforward cash back card with no annual fee. It’s the perfect pick if you’re a busy business owner looking for a hassle-free rewards experience.

You get a solid 1.5% cash back on everything you buy, whether it’s office supplies, client dinners, or the latest gear for the company car—no category tracking or complicated redemption rules here.

Plus, if you book hotels or rental cars through Capital One Travel, you enjoy a boosted 5% cash back.

 

Read my full Capital One Spark Cash Select Business (Excellent Credit) Review for more.

Apply for the Capital One Spark Cash Select for Excellent Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Want to maximize rewards on everyday business purchases like office supplies and gas? This might be the right cash back card for you.

You earn 5% cash back on prepaid hotels and car rentals booked directly in the U.S. Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible net purchases.

What makes this card truly valuable is its $0 annual fee.

Of course, there’s limited flexibility here—so, if your business spending is spread across different categories, this may not be a great card to get.

 

Credit Card Rates

Type Description
Regular APR 19.24%–28.24% variable APR
Intro APR 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.
Balance transfer rate 19.24%–28.24% variable APR
Balance transfer intro APR 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.
Cash advance APR 29.99% variable APR

 

Credit Card Fees

Types Description
Annual fees $0
Balance transfer fees 3% of each transfer amount, $5 minimum.
Cash advance fees 5% of each advance amount, $10 minimum.
Foreign transaction fees 3% of each foreign purchase transaction or foreign ATM advance transaction in US Dollars.
Late payment fees N/A

 

Best Travel Business Cards

 

card_name

I would say the card_name Card redefines the landscape of business travel by giving you a harmonious blend of luxury, convenience, and unparalleled rewards. This card seamlessly translates the original Venture X Rewards Card into a tailored solution.

Despite the $395 annual fee, the benefits offered far surpass the associated cost. You earn bonus_miles_full

The reward structure is outlined as follows:

  • 10x miles on hotel and rental car bookings through Capital One Travel.
  • 5x miles on flights booked through Capital One Travel.
  • 2x miles on all other purchases.

The redemption value for these miles can reach up to 1 cent per mile via Capital One Travel or an average of 2 cents when utilizing the right transfer partner.

Additional privileges for cardholders include:

  • Travel benefits such as a $300 annual travel credit, statement credits for TSA PreChecks, access to over 1,300 airport lounges, experience credits for eligible hotel stays, and more.
  • Business and security advantages like complimentary employee cards, $0 liability for unauthorized charges, security alerts, card locks for lost cards, and continuous 24/7 account security monitoring.

 

Check out my in-depth Capital One Venture X Business Credit Card Review.

Apply for the Capital One Venture X Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

card_name carries a hefty annual_fees annual fee but gives you some valuable perks including access to The American Express Global Lounge Collection, offering the widest range of airport lounges with free food and drink of any program.

Additionally, $200 of the annual fee can be offset with an airline credit for baggage fees, and over $1,000 in annual statement credits on a range of business purchases, including select purchases including tech, recruiting, and wireless. A CLEAR membership of $189 a year is also reimbursed(subject to renewal), allowing you to breeze through the airport and select stadium security.

The welcome bonus is generous but requires a large initial outlay. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first three months of Card Membership.

I would only recommend this card if you are a frequent business traveler and plan to spend enough to get the full welcome bonus in the first three months.

 

Here’s PoF’s full review of the Amex Business Platinum Card.

Apply for the Amex Business Platinum Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

If you’re a frequent business traveler who doesn’t want to pay a hefty yearly credit card fee, the Capital One Spark Miles for Business Card could be your go-to choice.

The $95 annual fee  is reasonable, especially when you account for the benefits. You get double miles on all business purchases, and two lounge passes every year to enhance your travel experience.

But what truly makes this card a star is its flexibility in redeeming miles, which are easily transferable to Capital One’s 18 airline and hotel partners. And here’s a plus—currently, you bonus_miles_full

 

Read my full Capital One Spark Miles for Business Review.

Apply for the Capital One Spark Miles for Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Best Easy Business Credit Cards

 

card_name

This is an easy card to get and an excellent choice for those without a credit history or with poor credit.

Unlike typical secured cards, it stands out by offering clear guidance on potential graduation to a regular card and the return of your deposit. After seven months, Discover reviews your account for possible eligibility for an upgrade.

This secured card also provides rewards, a rarity in its category, and comes with a annual_fees annual fee. While a minimum $200 security deposit is required, it can be refunded upon upgrading to a regular credit card or closing the account responsibly.

Discover specifies that there is no set minimum credit score for eligibility, although a credit check is part of the application process.

Apply for the Discover it® Secured Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Brex Card

The Brex 30 Card targets business owners who roll in the dough and can settle their credit card balance monthly. Geared for big business spenders, this charge card typically comes with a hefty credit limit and no sneaky fees.

The extra treat—Brex Exclusive—is a VIP rewards status that kicks your potential rewards up a notch for every buck you spend. But this exclusive status is only available if you go all-in, making the Brex 30 Card your business’ only corporate card.

Fair warning—the card’s bonus categories may not be useful to everyone. To maximize rewards across the board, you should check out other cards I’ve listed in the “Best Business Credit Cards for Flexible Points” section below.

 

Credit Card Rates

Type Description
Regular APR N/A
Intro APR N/A
Balance transfer rate N/A
Balance transfer intro APR N/A
Cash advance APR N/A

 

Credit Card Fees

Types Description
Annual fees $0
Balance transfer fees N/A
Cash advance fees N/A
Foreign transaction fees None
Late payment fees N/A

 

Best Secured Business Credit Cards

 

card_name

The card_name (the secured version of the Capital One Quicksilver Cash Rewards Credit Card) is an appealing choice if you have limited or poor credit.

With a annual_fees annual fee, it mandates a refundable security deposit starting at $200. Now, it distinguishes itself from other cards because it offers rewards—1.5% cash back on every purchase.

Plus, as the card reports to all three major credit bureaus, it allows you to build credit and transition to an unsecured card.

Apply for the Capital One Quicksilver Secured Cash Rewards Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Ramp Card

The Ramp Card is a corporate charge card designed for incorporated businesses (corporations, LLCs, and limited partnerships) in the U.S. It offers unique features such as no annual fee, unlimited 1.5% cash back, card-level spending controls, and seamless integrations with leading business tools.

Setting itself apart from typical business credit cards, the Ramp Card is attainable without a personal guarantee or credit check.

But there are some conditions—your business must demonstrate robust revenue and maintain a minimum of $75,000 in a business bank account.

 

Credit Card Rates

Type Description
Regular APR N/A
Intro APR N/A
Balance transfer rate N/A
Balance transfer intro APR N/A
Cash advance APR N/A

 

Credit Card Fees

Types Description
Annual fees $0
Balance transfer fees N/A
Cash advance fees N/A
Foreign transaction fees $0
Late payment fees N/A

 

Best Business Credit Cards With No Annual Fee

 

card_name

If you don’t plan on charging big bucks on a business card, a couple of Chase business cards are excellent choices. For instance, with the Ink Business Cash Card, you bonus_miles_full

The card_name also offers a similar welcome bonus. I like to think of these cards as the Business equivalent of the personal cards card_name (minimum 1.5% cash back on every purchase) and Chase Freedom Flex (5% cash back on rotating categories on up to $1,500 in purchases per quarter and 1% on everything else).

Like these personal cards, Ink Business Unlimited and Ink Business Cash have no annual fees.

If you plan to use two business cards, I recommend having both of these cards in your armamentarium.

 

Check out my detailed Chase Ink Business Unlimited Review.

Apply for the Ink Business Cash® Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

The U.S. Bank Business Altitude™ Connect World Elite Mastercard® is tailored for frequent business travelers, offering unique perks to enhance your travel experiences.

Earn up to five points per dollar on purchases and enjoy a generous welcome bonus of 60,000 points after spending $6,000 within the first 180 days of opening your account.

While the card starts with a $0 introductory annual fee for the first year, it transitions to $95 per year thereafter.

Despite this, the card’s rewards points, inclusive airport lounge access (with four visits included), and valuable travel insurance benefits seamlessly help you get more value from the card than its $95 annual fee.

 

Credit Card Rates

Type Description
Regular APR 20.24%–28.24% (variable APR)
Intro APR N/A
Balance transfer rate 20.24%–28.24% (variable APR)
Balance transfer intro APR N/A
Cash advance APR 29.99% (variable)

 

Credit Card Fees

Types Description
Annual fees $0 introductory annual fee for the first 12 months. After that, $95 for account owners and $0 for authorized employees.
Balance transfer fees Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Cash advance fees Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Foreign transaction fees None
Late payment fees $40

 

Best Zero Interest Business Credit Cards

 

card_name

card_name is a top choice for small businesses, offering a solid 2% cash back without any annual fees. It’s a sweet deal if you’re looking for a straightforward way to earn rewards without keeping tabs on bonus categories.

Plus, the card throws in a 0% intro APR on purchases for 12 months, which comes in handy for covering upfront business expenses.

Here’s the catch—the cash back rate drops to 1% after you hit the $50,000 spending mark. So, if you’re a big business spender or have predictable monthly costs in specific categories, you might want to look elsewhere.

Apply for the American Express Blue Business Cash Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees N/A
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

Here’s another great cash back card that offers a 0% intro APR period of 12 months. Apart from the interest-free benefits, you also:

  • bonus_miles_full
  • Get an unlimited cash back rate of 1.5% on every purchase.

I recommend this card for any entrepreneur who would rather worry about their business than a credit card rewards program.

 

In case you missed it earlier, check out this detailed Chase Ink Business Unlimited Review.

Apply for the Ink Business Unlimited® Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees N/A

 

Best Small Business Credit Card for Airline Miles

 

card_name

United Airlines, one of the United States’ “Big Three Airlines” has a business card with a welcome offer—you bonus_miles_full

Like many other airline cards, they offer a free checked bag when booking with United using the card. You’ll also get priority boarding for you and a companion, and two passes to use in any United Club.

I used these at DFW for my wife and myself after FinCon17. It was a nice place to kick back for a few hours waiting for our flight!

Apply for the United Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

Southwest Airlines is popular with frequent fliers for their low fares, the rare “bags fly free” policy, and the transparent system with frequent flier miles. Theirs is the least complicated where a mile has a dollar value and you don’t have to search for the best dates to use your miles.

Currently, you bonus_miles_full

Tip: A savvy traveler will obtain a Southwest business card and one of their personal credit cards, and meet the minimum spend to earn over 135,000 Companion Pass qualifying points. This will qualify you for the coveted Companion Pass, which gives you a free companion on every Southwest flight you take this year and next.

 

Apply for the Southwest Rapid Rewards Premier Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees N/A

 

card_name

The Performance Card has a higher annual fee as opposed to the premium-sounding Premier card ($199 vs. $99), but the Performance Card has additional perks like 4x points on Southwest purchases, 3x points on rideshare plus hotel and car partners, wifi reimbursement, Global Entry / TSA Pre✓ reimbursement every four years, and up to four upgraded boardings per year.

Currently, you bonus_miles_full

 

Apply for the Southwest Rapid Rewards Performance Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees N/A

 

card_name

Delta is one of the “big three” US airlines and they’ve got a quality business card via their partnership with American Express.

You can bonus_miles_full Plus a $100 credit towards a future Delta flight made if you spend $10,000 in a calendar year. Your first checked bag flies free and you’ll qualify for priority boarding. The $99 annual fee is free in the first year.

 

Apply for the Delta SkyMiles Gold Business American Express Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Best Hotel Business Credit Cards

 

card_name

Amex’s Hilton Honors Business Card is a business and travel card perfect for business travelers who love Hilton properties.

A big selling point is the Hilton Honors Gold Status that comes with the card. This elite membership will get you room upgrades and an 80% points-earning bonus on your hotel stays. Other Hilton benefits include free night rewards and ten complimentary visits to US airport lounges.

And it doesn’t stop there—there’s a sizeable welcome bonus and an impressive 12x Hilton Honors Bonus Points for every dollar you spend on Hilton hotels and resorts. You also get 6x points on business and travel purchases, and 3x points on all other eligible purchases.

Plus, you bonus_miles_full

 

Read the full Hilton Honors American Express Business Card Review here.

Apply for the Hilton Honors American Express Business Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name (Rates and Fees)

Finally, after the 2019 Starwood Preferred Guest (SPG) merger with Marriott, points earned on the Marriott Bonvoy Business® American Express® Card (rates and fees) can be redeemed for stays at many hotels and resorts in the following families:

  • Ritz-Carlton
  • Marriott
  • JW Marriott
  • Gaylord Hotels
  • Fairfield Inn & Suites
  • Autograph Collection
  • St. Regis
  • W Hotels
  • Westin
  • Sheraton
  • Four Points
  • Luxury Collection
  • Meridien

Currently, you bonus_miles_full

As with any hotel card, you’ll earn extra points (6 per dollar) when using the card within the hotel chain’s properties that participate in the Marriott Bonvoy® program.

In your renewal month, you’re gifted a free night’s stay. Spend $60,000 on the card in a year for a second complimentary night.

The card comes with complimentary Gold Elite Status. You’ll pay no foreign transaction fees, and there is a $125 annual fee.

 

Check out PoF’s detailed take on the Marriott Bonvoy Amex Business Credit Card.

Learn more about Marriott Bonvoy Business American Express Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

Best Business Credit Cards for Flexible Points

 

card_name

The Ink Business Preferred Credit Card is an excellent all-around business credit card that offers a great sign-up bonus and the ability to earn valuable Ultimate Rewards points on a variety of business expenses.

Those rewards can then be transferred to 11 airline and three hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through the Chase Ultimate Rewards portal.

Also, you earn 3x points on the first $150,000 spent in combined purchases for travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines each account anniversary year.

bonus_miles_full

 

Interested in this card? Read the full Chase Ink Business Preferred Card Review here.

Apply for the Ink Business Preferred Credit Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees N/A

 

card_name

This card has no annual fee and the first $50,000 spent on the card is rewarded at a rate of 2 points per dollar spent.

The American Express Membership Award points for this card and other Amex cards are quite flexible with airline partners Delta, Air France / KLM, JetBlue, and Hawaiian Airlines. You can also transfer points to the Hilton and Starwood / Marriott hotel chains.

To learn how to best use these points, see CardRatings’ Guide to American Express® Membership Rewards.

Note, there is also an excellent personal card called the card_name with 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%. (Terms Apply)

Currently, you bonus_miles_full

 

Read our insightful take on the Amex Blue Business Plus Credit Card here.

Apply for the Amex Blue Business Plus Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees late_payment_fee

 

card_name

The card_name charges a annual_fees annual fee, and while that squarely fits in the mid-tier price spectrum, the card is intended for high-spending businesses. It’s $100 more per year than the Ink Business Preferred Credit Card, which only charges $95 per year.

With the Chase Ink Business Premier Card, you can bonus_miles_full

As for its ongoing earning potential—there is no cap on how much cash back you can accrue on purchases at the following rates:

  • 2% back on every purchase.
  • 2.5% total back on every purchase of $5,000 or more.
  • 5% total back on travel purchased through Chase Ultimate Rewards.

 

Read PoF’s full review of the Ink Business Premier Card.

Apply for the Ink Business Premier Card.

 

Credit Card Rates

Type Description
Regular APR reg_apr,reg_apr_type
Intro APR intro_apr_rate,intro_apr_duration
Balance transfer rate balance_transfer_rate
Balance transfer intro APR balance_transfer_intro_apr,balance_transfer_intro_duration
Cash advance APR cash_advance_apr

 

Credit Card Fees

Types Description
Annual fees annual_fees
Balance transfer fees balance_transfer_fees
Cash advance fees cash_advance_fee
Foreign transaction fees foreign_transaction_fee
Late payment fees N/A

 

How to Keep Track of Multiple Business Credit Cards

If you’re only going to get one card and use it for everything, there’s not much to do. Set up an online account, set up autopay (every time on every card!), and keep enough money in your checking or savings account to cover your monthly tab.

However, if you’re like me and you want to earn multiple welcome bonuses and use the right cards in the right situations (airline-specific card for free checked bags, Chase Freedom Unlimited® for the 5 points per dollar at Costco this quarter for example), you’ll want to keep track of which cards you have.

That’s where my spreadsheet comes into play, and I’ll let you to download it.

 

Business Credit Cards

The sheet shows each of the cards featured here and there’s a tab for personal cards, many of which are featured in my travel cards article. The welcome bonuses and spending required to reach them are all listed.

I’ve filled in the annual fees for the first year. Most, but not all cards have no foreign transaction fees. The cash back cards are less likely to have this feature which is valuable if you spend time outside of the United States.

I created columns to mark if you’ve got the card(s) for you and your spouse. I highly recommend not adding a spouse as an authorized user, but rather applying for a new card in his or her name once you’ve reached the minimum spend on yours. That way, your household can earn the welcome bonus twice.

The key perks are also listed to the right of the spreadsheet. I truncated the sheet in the image below to make it better fit on your screen in this article.

 

The personal credit card portion is a little more robust. I’ve also created a third tab which is a blank slate where you can copy and paste info from the first two as you add cards to your collection or enter information from other cards on your own.

Personal credit cards

The best way to send the spreadsheet to you (it’s an Excel file in .XLS format and can easily be converted to other formats after downloaded) is to ask for your email address in the box below.

An email with a download link will be generated and sent to you immediately. You can opt out of future emails if you prefer, but if you remain subscribed, I’ll be able to send you updated versions of the sheet as the limited-time offers and top cards change.

 

Start Earning Rewards with a Business Credit Card

If you’re a small business owner, you should be reaping the rewards of a good business credit card on every business purchase you and your employees make. Most of the cards featured here offer additional cards for employees at no additional cost.

 

Terms and Restrictions Apply
Physician on FIRE has partnered with CardRatings for our coverage of credit card products. Physician on FIRE and CardRatings may receive a commission from card issuers.
Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. POF does not include all card companies or all available card offers. Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider's terms and conditions to determine which card works for you and your personal financial situation.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

User-Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

A generous and temporarily increased welcome bonus of 80,000 points & Peloton membership credits on the Chase Sapphire Preferred & premium card perks with the Chase Sapphire Reserve!


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18 thoughts on “Best Business Credit Cards for Startups & Entrepreneurs 2024”

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  14. Very nice list of cards. I just started as a business owner myself so this is some good info.

    A small disclaimer: If you’re a beginner in the credit card rewards realm, always start with Chase cards. They usually have amazing sign on bonuses as you have just read but if they see you have signed up for as little as 5 cards from ANY OTHER COMPANY in the past 2 years, they will deny every application. The only way to get back in their good graces is by going on a credit card fast for 2 years. Not fun.

    Other than that, good luck to all!

    Reply
    • Yup — “Chase Cards First” is a heading on my personal cards post.

      Fortunately, Citi and AmEx business cards do not count towards 5 / 24.

      And you wouldn’t have to wait 2 full years, either if you had gotten a number of other cards. If you had gotten five cards a year, you’d be able to apply for Chase cards after about a one-year hiatus.

      Cheers!
      -PoF

      Reply
  15. Great roundup.

    A few thoughts…

    There best available current offer for the Chase Southwest Plus card is a tiered 60,000 bonus points offer (40,000 after $1,000 in spending in the first 3 months and an additional 20,000 after spending $12,000 in the first year). Just wanted PoF readers know so that they miss out on additional points.

    Also important to note is that the Amex Business Platinum annual fee will go up to a whopping $595 in a few months on February 2019. That’s crazy high!

    And finally, I’m pretty sure the current offer for Chase Southwest Premier Business is 60,000 points, not 80,000 points (as stated on your post).

    Reply
    • Good catch — I’m not sure if that was a typo or a “copy and paste” error, but either way, I’ve fixed it. I do have that offer on the Southwest Plus Card — in the perks section of the spreadsheet, I list the additional 20,0000 bonus points with the extra $12,000 spent.

      Reader Toby opened my eyes to the benefit of the more expensive Southwest Priority Card. The annual fee of $149 is about half offset with a $75 Southwest credit, making it effectively $6 more than the $69 fee on the Plus, but with the added benefit of 7,500 points on your cardmember anniversary (versus 3,000 on the Plus),20% in-flight purchases, and four upgraded boardings per year.

      Cheers!
      -PoF

      Reply
  16. Man, this is a comprehensive list, POF. My buddy and I were just talking about this yesterday. He scored a first class ticket to Japan ($23,000) by using around 100,000 points on his American Express card through one of the Japanese airlines (ANA, I think).

    This stuff can really work.

    TPP

    Reply
    • That’s a sweet redemption. I’m usually happy getting 2 cents per point /mile. That’s 23 cents per point, which is incredible!

      You’re right, though. There are some really valuable opportunities out there, particularly when looking at business class and first class overseas fares.

      Cheers!
      -PoF

      Reply
    • Yup! It definitely works. I’m proof of concept 🙂

      I have probably redeemed the equivalent of $60-80k in points over the past few years (depending on how you truly value those points).

      It’s definitely doable. But like PoF said in his reply,… the only way to get truly outsized value is by redeeming for international first class seats/suites. Much easier to do without kids. But I might consider redeeming first class tickets for the baby. I’m not sure if the other first class passengers will appreciate it though ;P

      Reply

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