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Points Credit Cards for Business
- Turn everyday business spending into points and rewards
- Compare top credit cards from our partners offering points for business owners
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $375
- Regular APR 18.49% - 27.49% Variable
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Rewards Rate1X - 4X points
- Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each month on the first $150,000 in combined purchases each calendar year (then 1X thereafter).
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Terms apply.
- Credit Needed Good / Excellent
The Bottom Line
American Express® Business Gold Card is a great business card with a generous rewards program. You can earn a large amount of points that you can easily redeem, while also enjoying a whole menu of other handy, business-friendly features. To see rates & fees for American Express® Business Gold Card, please click here.
Our Take
The Good
As a cardholder, you can earn extra points in the two eligible categories where your business spends the most each month, maximizing your rewards (on the first $150,000 in combined purchases in these categories). Plus, as a new cardholder, you can earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
The Not So Good
American Express® Business Gold Card is a business card, so it's not designed for individual use or for someone intending to carry a balance. The annual fee is also higher than most.
Card Details
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
- Annual Fee $95
-
Welcome Offer90,000 points
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Rewards Rate1x - 3x points
- Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
- Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
- Credit Needed Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$1,000
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Est. Monthly Rewards
$151
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Est. First Year Rewards
$2,812
The Bottom Line
The Ink Business Preferred® Credit Card is a robust rewards business card allowing you to earn points in popular expense categories. Customers earn tons of points in select categories, while still earning points on all other purchases. The card also offers a huge sign-up bonus. The bottom line is that this is one of the best business cards available for earning rewards.
Our Take
The Good
This card not only offers a massive sign-up bonus, but it also allows you to earn major rewards in select categories. Other business cards will cap how much points you earn.
The Not So Good
Like most rewards cards, if you don't make a lot of purchases on the card, you won't get a lot of rewards. There is also not a 0% intro APR period for purchases or balance transfers.
Card Details
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Annual Fee No annual fee
- Regular APR 17.49% - 27.49% Variable
-
Rewards Rate1X - 2X points
- Credit Needed Good / Excellent
The Bottom Line
With The Blue Business® Plus Credit Card from American Express, you can get bonus points for the purchases you make without worrying about an annual fee. If you're looking for a credit card with a nice intro APR to help you pay for business expenses, this could be a great option. To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.
Our Take
The Good
Enjoy the benefits of earning points and having intro APR all while paying no annual fee. You can add other card holders to the account for free and you can get great spending bonuses from any one of them.
The Not So Good
There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
Card Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- Annual Fee $695
- Regular APR 18.49% - 27.49% Variable
-
Rewards Rate1X - 5X points
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Credit Needed Good / Excellent
The Bottom Line
The Business Platinum Card® from American Express is loaded with exclusive rewards and benefits simply for being a card member. If business travel is commonplace for you, the rewards and perks of this card should outweigh the $695 annual fee, depending on how you plan to use this card. To see rates & fees for The Business Platinum Card® from American Express, please click here.
Our Take
The Good
Card members receive great travel perks like airport lounge access and a generous airline fee credits.
The Not So Good
This card isn’t for the non-traveler or the businessperson who’s strictly looking for working capital. Again, the annual fee is $695, but if your credit is good enough to get approved, the perks could really be worth it.
Card Details
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.