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7 Business Credit Card Offers for 2019

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Best Business Credit Cards

When you open your own business, one of the first things you need to do is separate business and personal finances. It may be easier right now to put all your purchases on one credit card. But come tax season, you might regret this decision. Keep things simple and separate your different types of spending.

Getting a business credit card has a ton of other benefits. We’ve compiled a list of great business credit cards for owners in 2019, so you’ll find just the right card for your business. See what kind of rewards are available for your business!

Chase Ink Business Preferred

Ink Business Preferred℠ Credit Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
18.24% - 23.24% Variable

Balance Transfer:
18.24% - 23.24% Variable

Annual Fee:
$95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Card Details +

The Chase Ink Business Preferred card has one of the most appealing sign-up bonuses.

Here are the perks:

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months. If you redeem your points through Chase Ultimate Rewards, those 80,000 points are equal to $1000 that you can use toward travel.
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories.
  • Earn 1 point per $1 on all other purchases.
  • Redeem points for travel, cash back or gift cards.
  • Add employee cards at no extra cost.

American Express Business Platinum 

The Business Platinum® Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
N/A

Balance Transfer:
N/A

Annual Fee:
$595

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply

Card Details +

This card is ideal if you travel for business. Although the annual fee is steep, you’ll find plenty of benefits that more than offset the price. This includes worldwide lounge access, airline and hotel credits, Uber credits and a generous welcome bonus.

Here are the perks:

  • Earn up to 75,000 Membership Rewards points for opening the account.
  • Earn 50,000 Membership Rewards points after you spend $10,000 within the first 3 months.
  • Get 5x points on flights and lodging if you book through the American Express website.
  • When you use Membership Rewards points to pay for a flight, you can get 35% of the points back.
  • Get one year of Platinum Global Access from WeWork when you enroll by December 31, 2019. This gives you access to co-working spaces in more than 75 different cities.

American Express Marriott Bonvoy Business

Marriott Bonvoy Business™ American Express® Card

Apply Now
on American Express's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.99% - 26.99% Variable

Balance Transfer:
N/A

Annual Fee:
$125

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.

Card Details +

If you spend a lot of time in a hotel as part of your job, this card is perfect for you. The American Express Marriott Bonvoy Business card helps defray the costs of traveling for business.

Here are the perks:

  • Earn 100,000 bonus Marriott Bonvoy points when you spend $5,000 in purchases within the first 3 months. Offer ends April 24, 2019.
  • Earn 6x points at participating Marriott Bonvoy hotels.
  • Earn 4x points at restaurants, gas stations and cell phone services.
  • Earn 2x points on all other purchases.
  • Earn one free night every year at participating Marriot Bonvoy hotels on your card account anniversary.
  • Automatically achieve Marriott Bonvoy Silver Elite status.

Capital One Spark Miles for Business

This card is the best choice for flat rate travel rewards. It’s the top card for travelers whose expenses don’t fall into one of the common bonus categories.

Here are the perks:

  • Earn 2 miles per dollar spent on every purchase.
  • Earn 50,000 bonus miles when you spend $4,500 within the first 3 months.
  • Redeem miles for flights on any airline, with no blackout dates or seat restrictions.
  • There is a $0 intro annual fee for the first year, $95 after that.
  • Earn 2x miles on employee cards. You can add employee cards for no extra cost.
  • Your miles don’t expire as long as the account is open.

Capital One Spark Cash for Business

This card is an excellent choice if you’re looking for no annual fee with great cash back.

Here are the perks:

  • Earn unlimited 1.5% cash back on all purchases. There are no categories to deal with.
  • Earn a $200 cash bonus when $3,000 within the first 3 months.
  • There is an APR of 0% intro on purchases for 9 months.
  • There is no annual fee.
  • Your cashback rewards never expire.

Chase Ink Business Cash

Ink Business Cash℠ Credit Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 12 months

Ongoing Apr:
15.49% - 21.49% Variable

Balance Transfer:
15.49% - 21.49% Variable

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Card Details +

This is a great cash back card with no annual fee. You can earn a lot on common business categories.

Here are the perks:

  • Earn $500 cash back when you spend $3,000 in the first 3 months.
  • Earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services.
  • Earn 2% cash back on the first $25,000 spent at gas stations and restaurants.
  • Earn 1% cash back on all other card purchases. There’s no limit to what you can earn.
  • Introductory APR of 0% for 12 months.
  • Add employee cards to the account at no extra cost.
  • There is no annual fee.

American Express Business Gold 

American Express® Business Gold Card

Apply Now
on American Express's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
16.49% - 24.49% Variable

Balance Transfer:
N/A

Annual Fee:
$295

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.*
  • *Terms Apply

Card Details +

Using Amex Travel can help streamline your business’ travel expenses.

Here are the perks:

  • Earn 4X Membership Rewards points on the 2 categories where you spend the most each month.
  • Earn 25% of your points back when you use points to book eligible travel through Amex Travel.
  • Receive up to 1 free year’s subscription to G Suite Basic and ZipRecruiter Standard. This is valued up to $3,188.
  • There is a flexible payment option to help manage cash flow.
  • Connect monthly statement to Quickbooks and receive a Year-End Summary to help you file small business taxes.
  • Add employee cards with a no annual fee.

Choose the Right Business Credit Card for You

A small business credit card is the best way to keep your business and personal finances separate. It can also be a good choice if you need revolving credit to finance your projects.

These cards offer the great rewards per dollar. Get one of these excellent business cards in order to reap the benefit of the money you already spend running your company.

Check out this expert guide to business credit cards for more information.

Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.
Advertiser disclosure: The credit card offers that appear on this website are from credit card companies that Credit.com receives compensation from. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.
Update: Some offers mentioned above may have expired and/or no longer be available on our site. View the current offers from our partners in our credit card marketplace.


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