The most effective enterprise bank cards do not simply help your spending — they give you the results you want. With beneficiant incomes charges, beneficial perks and advantages that may each elevate your way of life and enhance your backside line, the proper card turns into a robust device in your monetary toolkit.
The correct enterprise card enables you to earn rewards whereas staying centered on day-to-day operations. Whether or not you are a longtime enterprise proprietor, a freelancer or simply launching your first enterprise, selecting a card that greatest aligns together with your targets is vital.
Enterprise bank cards provide help to separate enterprise and private spending whereas providing rewards and perks not sometimes discovered on private playing cards.
To assist make your resolution simpler, I’ve curated a collection of the ten high enterprise bank cards from our companions. I personally carry half of the playing cards on this listing and have deep data of the remaining, backed by greater than a decade of working within the journey rewards trade.
Let’s dive in and discover one of the best card for you and your corporation.
The most effective enterprise bank cards
Evaluating one of the best enterprise bank cards
Listed here are TPG’s high suggestions for greatest rewards bank cards.
| Card | Finest for | Welcome provide | Incomes charges | Annual charge |
|---|---|---|---|---|
| Capital One Enterprise X Enterprise | Excessive-spending enterprise | Earn as much as 350,000 miles: 150,000 miles after spending $30,000 on purchases throughout the first three months from account opening, plus an extra 200,000 miles after spending $200,000 on purchases within the first six months. |
|
$395 |
| Chase Ink Enterprise Most well-liked | Enterprise-specific bonus-earning | Earn 90,000 factors after spending $8,000 on purchases throughout the first three months from account opening. |
|
$95 |
| American Categorical Enterprise Gold | Versatile rewards incomes | Earn 100,000 factors after spending $15,000 on eligible purchases within the first three months of card membership. |
|
$375 (see charges and costs) |
| Capital One Spark Miles for Enterprise | On a regular basis enterprise spending | Earn 50,000 miles after spending $4,500 on purchases throughout the first three months from account opening. |
|
$0 introductory annual charge for the primary yr, then $95 |
| Capital One Spark Money Plus | Limitless enterprise money again | Earn $2,000 money again after spending $30,000 on purchases throughout the first three months from account opening. Plus, earn an extra $2,000 money again for each $500,000 spent through the first yr. |
|
$150 |
| American Categorical Enterprise Platinum | Journey perks | Earn 150,000 factors after spending $20,000 on eligible purchases throughout the first three months from account opening. Plus, earn a $500 assertion credit score after spending $2,500 within the first three months on qualifying flights booked straight with the airways or by way of American Categorical Journey. You may earn one or each of those presents. Supply ends on June 30. |
|
$695 (see charges and costs) |
| Chase Ink Enterprise Limitless | Freelancers | Earn $750 money again after spending $6,000 on purchases throughout the first three months from account opening. |
|
$0 |
| Chase Ink Enterprise Money | Workplace provides | Earn as much as $750 money again: $350 money again after spending $3,000 on purchases throughout the first three months from opening an account, plus an extra $400 money again after spending $6,000 within the first six months. |
*On the primary $25,000 you make in mixed purchases, per class, every account anniversary yr |
$0 |
| American Categorical Blue Enterprise Plus | No annual charge | Earn 15,000 factors after spending $3,000 on eligible purchases throughout the first three months from account opening. |
|
$0 (see charges and costs) |
| United Enterprise Card | United Airways flyers | Earn 125,000 miles after spending $5,000 on purchases within the first three months from account opening. Plus, earn one other 5,000 miles after including a certified person within the first three months. |
|
$150 |
Capital One Enterprise X Enterprise
Welcome provide: Earn as much as 350,000 miles: 150,000 miles after spending $30,000 on purchases throughout the first three months from account opening, plus an extra 200,000 miles after spending $200,000 on purchases within the first six months.
Annual charge: $395.
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Standout advantages: I’d advocate this card to enterprise house owners who spend quite a bit and wish to elevate their private travels. It presents an unimaginable welcome bonus — although it comes with a excessive spending requirement to unlock it.
The cardboard additionally consists of premium journey perks, like a $300 annual journey credit score for bookings by way of the Capital One journey portal, which successfully reduces the annual charge to simply $95.
You will additionally get pleasure from entry to Capital One’s increasing lounge community. I respect the calm of the Dallas Fort Price Worldwide Airport (DFW) lounge and the comfort of grab-and-go choices throughout my layovers at Denver Worldwide Airport (DEN). The complimentary Precedence Move membership unlocks entry to 1,300-plus further lounges worldwide.
The cardboard has no preset spending restrict, which is a good perk for companies with excessive month-to-month bills. It’s also possible to add worker playing cards at no additional value.
To study extra, learn our full overview of the Enterprise X Enterprise.
Be taught extra: Capital One Enterprise X Enterprise
Chase Ink Enterprise Most well-liked
Welcome provide: Earn 90,000 factors after spending $8,000 on purchases throughout the first three months from account opening.
Annual charge: $95.
Standout advantages: It is a must-have if you wish to earn Chase Final Rewards factors — essentially the most beneficial reward forex within the trade. I’ve had this card for years.
Its beneficiant welcome bonus and incomes fee of three factors per greenback on the primary $150,000 spent annually in key enterprise classes — together with journey, delivery, web, cable and telephone providers, and digital promoting — make it a high decide. You will earn 1 level per greenback spent on all the pieces else, however I like to recommend you pair it with the Ink Enterprise Money or Limitless to spice up your earnings.
Chase factors are versatile: You may redeem them for a set worth by way of Chase Journey℠ or switch them to 14 airline and resort companions for optimum worth. I usually use Air France-KLM Flying Blue for business-class flights to Europe and World of Hyatt for luxurious stays.
To study extra, learn our full overview of the Ink Enterprise Most well-liked.
Apply: Chase Ink Enterprise Most well-liked
American Categorical Enterprise Gold
Welcome provide: Earn 100,000 factors after spending $15,000 on eligible purchases within the first three months of card membership.
Annual charge: $375.
Standout advantages: This card is right for high-spending companies that worth flexibility. I like that it routinely earns 4 factors per greenback spent in your high two spending classes every billing cycle (on the primary $150,000 spent every calendar, then 1 level per greenback) — so that you’re at all times maximizing rewards with out occupied with it.
Bonus classes embody U.S. eating places, gasoline stations, promoting and tech suppliers. It is a robust selection in case your spending shifts from month to month.
Though it would not include premium journey perks, the annual charge is partially offset by the as much as $240 annual assertion credit score (as much as $20 every month) for U.S. purchases at workplace provide shops, FedEx and Grubhub. Enrollment required.
I am additionally an enormous fan of Amex Membership Rewards factors — they switch to over 20 airline and resort companions, and I usually benefit from switch bonuses to get much more worth.
To study extra, learn our full overview of the Amex Enterprise Gold.
Apply: American Categorical Enterprise Gold
Capital One Spark Miles for Enterprise
Welcome provide: Earn 50,000 miles after spending $4,500 on purchases throughout the first three months from account opening.
Annual charge: $0 introductory annual charge for the primary yr, then $95.
Standout advantages: I like to recommend this card to enterprise house owners who desire a easy technique to earn strong rewards on each buy. You will earn a minimum of 2 miles per greenback on all spending, plus 5 miles per greenback spent on resorts, rental automobiles and trip leases booked by way of Capital One Journey.
I like you could add worker playing cards totally free and rack up rewards even quicker.
To study extra, learn our full overview of the Spark Miles for Enterprise.
Be taught extra: Capital One Spark Miles for Enterprise
Capital One Spark Money Plus
Welcome provide: Earn $2,000 money again after spending $30,000 on purchases throughout the first three months from account opening. Plus, earn an extra $2,000 money again for each $500,000 spent through the first yr.
Annual charge: $150.
Standout advantages: That is my high suggestion for companies that spend quite a bit and like to earn money again. You will earn a minimum of 2% money again on each buy — with no classes to trace — and 5% again on resorts and rental automobiles booked by way of Capital One Journey.
The big welcome bonus provides much more worth, and the $150 annual charge is refunded when you spend $150,000 in a yr.
I additionally like you could difficulty worker playing cards at no additional value. Simply understand that this can be a cost card — you may have to pay your steadiness in full every month.
To study extra, learn our full overview of the Spark Money Plus.
Be taught extra: Capital One Spark Money Plus
American Categorical Enterprise Platinum
Welcome provide: Earn 150,000 factors after spending $20,000 on eligible purchases throughout the first three months from account opening; plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked straight with airways or by way of American Categorical Journey throughout the first three months of card membership.
Annual charge: $695.
Standout advantages: For those who journey usually and wish luxurious perks, this card delivers.
The annual charge is steep, however I believe it is justified. You get Clear Plus (as much as a $199 assertion credit score yearly; topic to auto-renewal) and World Entry credit ($120 each 4 years), Gold elite standing with Marriott and Hilton, and unbeatable lounge entry — together with to Centurion Lounges. Enrollment is required for choose advantages.
You will earn 5 factors per greenback spent on flights and pay as you go resorts by way of Amex Journey and 1.5 factors per greenback spent on massive purchases of $5,000 or extra, in addition to a variety of business-related classes (on the primary $2 million spent every calendar yr, then 1 level per greenback).
That is the subsequent card I plan so as to add to my pockets. I simply have to time my software proper so I can meet the minimal spending requirement and unlock that huge welcome bonus.
To study extra, learn our full overview of the Amex Enterprise Platinum.
Apply: American Categorical Enterprise Platinum
Chase Ink Enterprise Limitless
Welcome provide: Earn $750 money again after spending $6,000 on purchases throughout the first three months from account opening.
Annual charge: $0.
Standout advantages: It is a nice on a regular basis card, particularly if you wish to earn Chase factors with out monitoring bonus classes.
You will earn a flat 1.5% money again on all purchases — which turns into 1.5 Final Rewards factors when you additionally maintain an Ink Enterprise Most well-liked, Chase Sapphire Reserve® (see charges and costs) or Chase Sapphire Most well-liked® Card (see charges and costs).
That is how I exploit mine. I pair it with the Ink Enterprise Most well-liked to show on a regular basis spending into beneficial factors I can switch to airline and resort companions.
For those who do not plan to carry a Chase card that earns transferable factors, although, I might recommend in search of a 2% cash-back card as a substitute.
To study extra, learn our full overview of the Ink Enterprise Limitless.
Apply: Chase Ink Enterprise Limitless
Chase Ink Enterprise Money
Welcome provide: Earn as much as $750 money again: $350 money again after spending $3,000 on purchases throughout the first three months from opening an account, plus an extra $400 money again after spending $6,000 within the first six months.
Annual charge: $0.
Standout advantages: This card presents considered one of my favourite methods to earn large on particular enterprise bills. It earns 5% money again at workplace provide shops and on web, cable and telephone providers (on as much as $25,000 per yr) and a couple of% at gasoline stations and eating places (on as much as $25,000 per yr).
Once more, if in case you have a Chase points-earning card, you possibly can flip that money again into totally transferable Chase factors — making your rewards much more beneficial.
Companies searching for to earn easy, easy money again on their purchases — particularly recurring ones like month-to-month web and telephone payments — will get pleasure from how straightforward it’s to accrue rewards with the Ink Enterprise Money card.
To study extra, learn our full overview of the Ink Enterprise Money.
Apply: Chase Ink Enterprise Money
American Categorical Blue Enterprise Plus
Welcome provide: Earn 15,000 factors after spending $3,000 on eligible purchases throughout the first three months from account opening.
Annual charge: $0.
Standout advantages: That is my go-to card for on a regular basis enterprise purchases that do not fall into bonus classes. You will earn 2 factors per greenback on the primary $50,000 spent yearly, then 1 level per greenback after that — all for no annual charge.
I really like you could rack up beneficial Amex Membership Rewards factors, which you’ll switch to over 20 airline and resort companions. One in every of my favourite redemptions is to guide a lie-flat seat to Madrid by transferring 34,000 factors to Membership Iberia Plus.
If you’d like a product that does not cost an annual charge and earns versatile, transferable factors, this one’s powerful to beat.
To study extra, learn our full overview of the Amex Blue Enterprise Plus.
Apply: American Categorical Blue Enterprise Plus
United Enterprise Card
Welcome provide: Earn 125,000 miles after spending $5,000 on purchases within the first three months from account opening. Plus, earn one other 5,000 miles after including a certified person within the first three months.
Annual charge: $150.
Standout advantages: I carry this card as a result of I would like strong perks once I fly United Airways — with out committing to its premium card. I get a free checked bag, precedence boarding and a reduction on inflight purchases. The 2 United Membership passes annually are a pleasant bonus, too.
It additionally earns 2 miles per greenback spent in helpful classes like United purchases, eating, gasoline stations, workplace provide shops and transit.
For those who even have a private United card, you may get 5,000 bonus miles every anniversary — an underrated perk.
However when you’re a real United loyalist chasing standing or need limitless lounge entry, the United Membership℠ Enterprise Card could be a greater match.
The data for the United Membership Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
To study extra, learn our full overview of the United Enterprise Card.
Apply: United Enterprise Card
What to contemplate when selecting a enterprise bank card
There is not any one-size-fits-all enterprise bank card. As a substitute, ask your self these key questions to search out one of the best match in your firm:
- Would you wish to earn money again or journey rewards?
- What are your high enterprise spending classes?
- Do you or your staff journey usually?
- Are you keen to pay an annual charge?
Money again vs. journey rewards
If simplicity issues most, go for a flat-rate cash-back card — goal for a minimum of 2% again on all purchases.
For those who or your workforce travels regularly, take into account a card that earns transferable factors (like Chase Final Rewards factors), airline miles (like Delta Air Strains SkyMiles) or resort factors (like Marriott Bonvoy factors).
Personally, I desire playing cards that earn Chase or Amex factors as a result of they’re extra versatile and infrequently ship greater worth — particularly when paired with switch bonuses.
Welcome bonus
A welcome bonus will be essentially the most beneficial a part of any card — a minimum of for the primary yr. Simply be sure to can confidently meet the minimal spending requirement — whether or not that is $3,000 or $30,000 within the first few months.
I at all times advocate timing new card purposes with deliberate enterprise bills to hit the bonus organically.
Spending habits
Select a card that aligns together with your common bills. For those who spend closely in a single or two areas — like eating or delivery — search for a card that rewards that.
In case your spending is unfold out, decide a card that earns at a strong flat fee or adapts to your high month-to-month classes.
Annual charge
For those who’re paying an annual charge, be certain that the advantages — like lounge entry, assertion credit or greater earnings — are price it. In any other case, a no-annual-fee card may make extra sense.
How we selected one of the best enterprise bank cards
We evaluated these playing cards primarily based on the options that matter most to enterprise house owners:
- Dimension and worth of the welcome provide
- Incomes charges — particularly in high-spending classes
- Redemption choices, together with switch companions
- Key advantages like lounge entry and worker card choices
We additionally thought of total worth, flexibility and the way simply you possibly can maximize every card primarily based on widespread enterprise bills.
Take a look at our methodology to learn the way TPG evaluates and chooses playing cards for our roundups.
Redemption choices for enterprise bank cards
Probably the greatest elements of incomes rewards on a enterprise card is utilizing these factors, miles or money again to unlock significant worth — whether or not that is overlaying a business-class flight, offsetting journey prices or just placing a refund into your corporation.
I’ve personally used factors from a number of of those playing cards to guide first-class flights to go to household in Australia and canopy resort stays throughout high-demand occasions — like a Taylor Swift live performance and the Paris Olympics. These journeys would’ve value 1000’s out of pocket.
For those who’re incomes transferable currencies like Chase or Amex factors, you may get essentially the most worth by transferring them to airline and resort companions. For instance, I transferred 35,000 Chase factors to World of Hyatt for a 10-night keep in Cabo San Lucas, Mexico — a incredible deal.
Even easy cash-back playing cards can ship severe worth whenever you use that cash to cowl future bills or unlock your finances for development.
Backside line
The correct enterprise bank card does greater than monitor bills — it will possibly unlock beneficial rewards, simplify operations, and improve your journey and way of life.
Whether or not you are simply beginning out or working a well-established enterprise, there is a card right here that may provide help to earn large, get monetary savings and perhaps even get pleasure from a lie-flat seat in your subsequent journey.
Decide the cardboard — or mixture of playing cards — that most closely fits your spending habits and rewards targets. For those who’re strategic with the way you earn and redeem, on a regular basis enterprise purchases can flip into extraordinary worth.
For charges and costs of the Amex Enterprise Gold, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Amex Blue Enterprise Plus, click on right here.
