Small Business
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Spark Miles for Business
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Rewards rate
2X miles on every purchase for your business.
5X miles on hotels and rental cars booked through Capital One Travel.
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Pros & cons
Unlimited 2X miles on every purchase.
$0 intro annual fee for the first year.
Up to $100 credit for Global Entry or TSA PreCheck.
No foreign transaction fees.
High variable APR of 26.24%.
Bonus miles require significant spending.
$95 annual fee after the first year
Card Details
The Capital One Spark Miles for Business is designed for businesses seeking simple travel rewards. Earn 2X miles on everything, 5X on hotels and rental cars booked through Capital One Travel, and a 50,000-mile bonus after spending $4,500 in 3 months. Enjoy a $0 intro annual fee the first year, then $95, plus Global Entry/TSA PreCheck credit and no foreign transaction fees.
Capital One Spark Cash Plus
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Rewards rate
Unlimited 2% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
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Pros & cons
Unlimited 2% cash back on all purchases provides a straightforward and rewarding cash back structure for business expenses.
The opportunity to earn a significant cash bonus of up to $3,000 with the introductory offer.
No preset spending limit, offering flexibility and adapting to your business spending behavior and needs.
Annual fee is refundable each year when you spend at least $150,000, effectively making the card fee-free under those conditions.
$150 annual fee, which can be a downside for businesses not spending enough to have the fee refunded.
High spending required to unlock the full introductory cash bonus, which may not be feasible for all businesses.
As a pay-in-full card, it requires careful cash flow management to avoid late fees.
Card Details
The Capital One Spark Cash Plus is ideal for big-spending businesses seeking maximum cash back. Earn unlimited 2% on everything, plus 5% on hotels and rental cars booked through Capital One Travel. Get a huge intro bonus of up to $3,000 with significant spending, and the $150 annual fee is waived if you spend at least $150,000 annually. As a charge card, it requires paying your balance in full each month.
Capital One Spark Cash Select for Excellent Credit
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Rewards rate
Unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
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Pros & cons
$0 annual fee, making it an economical choice for businesses.
Generous $750 cash bonus after meeting the initial spending requirement.
Unlimited 1.5% cash back on all purchases simplifies earning rewards.
No foreign transaction fees, ideal for businesses making purchases abroad.
Higher spending requirement ($6,000 in the first 3 months) to earn the cash bonus.
Variable APR after any intro offer could be high for businesses with lower creditworthiness.
Cash back rate, while competitive, may not be as high as some other business credit cards that offer bonus categories.
Card Details
The Capital One Spark Cash Select is ideal for businesses seeking simple cash back rewards and a generous intro bonus. Earn unlimited 1.5% on everything, 5% on hotels and rental cars booked through Capital One Travel, and a $750 cash bonus after you spend $6,000 within 3 months. There’s no annual fee, and no foreign transaction fees. While the APR is variable, this card’s straightforward rewards make it worthwhile for businesses with excellent credit.
Capital One Spark Cash Select for Good Credit
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Rewards rate
Unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
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Pros & cons
$0 annual fee, making it a cost-effective choice for businesses.
Unlimited 1.5% cash back on all purchases, simplifying reward earning without tracking categories.
0% intro APR on purchases for 12 months, providing a period of interest-free spending.
No foreign transaction fees, ideal for businesses with international transactions.
Cash back rate may be lower compared to other business credit cards that offer higher rewards in specific categories.
No specific intro bonus offer, which is commonly available with other business credit cards.
After the intro APR period, the variable APR can be relatively high based on creditworthiness.
Card Details
The Capital One Spark Cash Select for Good Credit is perfect for businesses seeking simple cash back and payment flexibility. Earn unlimited 1.5% on everything, 5% on hotels and rental cars booked through Capital One Travel, and enjoy a 0% intro APR on purchases for 12 months. There’s no annual fee or foreign transaction fees. While the APR is variable and the rewards rate may be less than some cards, this card is ideal for businesses with good credit seeking to manage cash flow and earn rewards.
Capital One Venture X Business
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Rewards rate
2X miles on every purchase.
5X miles on flights and 10X miles on hotels and rental cars booked through Capital One Travel.
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Pros & cons
$300 annual travel credit for bookings through Capital One Travel, plus 10,000 bonus miles every year, starting on your first anniversary.
Comprehensive travel benefits including TSA PreCheck or Global Entry credit and access to over 1,300 lounges worldwide.
Flexible rewards redemption on flights, hotels, vacation rentals, and more, with no blackout dates.
Business-grade capabilities with free employee and virtual cards to empower team spending and rewards earning.
High annual fee of $395, which may not be justifiable for all businesses.
High spending required to unlock the full intro offer, which may not be feasible for smaller businesses.
Rewards rates on non-travel purchases (2X miles) may be lower compared to other business credit cards with specialized categories.
Card Details
The Capital One Venture X Rewards for Business is designed for frequent business travelers. Earn 2X miles on everything, 5X on flights, and 10X on hotels and rental cars booked through Capital One Travel. Enjoy up to $300 in annual travel credits, lounge access, TSA PreCheck®/Global Entry credit, and get 10,000 bonus miles annually. While there’s a $395 annual fee, businesses that prioritize travel rewards will offset the cost with its travel perks and rewards earning potential.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card
Rewards rate
Unlimited 1.5% cash back on all purchases.
No annual cap on rewards and they don't expire.
75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier, potentially earning up to an unlimited 2. 62% cash back on all purchases.
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Pros & cons
Unlimited 1.5% cash back on all purchases.
No annual fee.
Introductory 0% APR on purchases for the first 9 billing cycles.
Flexible redemption options for cash rewards.
High variable APR after the introductory period.
Maximum cash back benefits require a significant banking relationship with Bank of America.
Cash advance and balance transfer fees may reduce the overall value of cash back rewards.
Card Details
The Business Advantage Unlimited Cash Rewards Mastercard® credit card delivers simple cash back for businesses. Earn unlimited 1.5% on everything, with no annual fee and an intro 0% APR on purchases. Businesses with a qualifying Bank of America® account can earn up to 2.62% cash back. This card is ideal for businesses seeking straightforward rewards with no spending caps.
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Pros & cons
No annual fee.
Introductory 0% APR on purchases for the first 7 billing cycles.
Employee cards at no additional cost with set credit limits.
Automatic rebates with Mastercard Easy Savings Program.
High variable APR after the introductory period.
No rewards program for cash back or points on purchases.
Cash advance and balance transfer fees may apply.
Card Details
The Platinum Plus® for Business Mastercard® prioritizes cost savings for businesses. Enjoy a 0% intro APR on purchases for the first 7 billing cycles, no annual fee, automatic rebates, and free employee cards. While it lacks rewards, this card is ideal for businesses focused on managing cash flow and simplifying expenses.
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card
Rewards rate
3% cash back in the category of your choice: gas stations and EV charging stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services.
2% cash back on dining purchases.
Unlimited 1% cash back on all other purchases.
3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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Pros & cons
Flexible cash back categories with the option to earn 3% cash back.
No annual fee.
Introductory 0% APR on purchases for the first 9 billing cycles.
Flexible redemption options including deposits into Bank of America accounts, statement credits, or checks.
High variable APR after the introductory period.
Cash back rewards cap on 3% and 2% categories at $50,000 in combined purchases each calendar year.
Requires a business checking account with Bank of America to qualify for the highest rewards rate boost.
Card Details
The Business Advantage Cash Rewards Mastercard® credit card offers flexible cash back for businesses. Earn 3% in your choice category (up to $50,000 annually, then 1%), 2% on dining, plus unlimited 1% on everything else. Enjoy a $300 statement credit bonus, no annual fee, and an intro 0% APR on purchases. This card is ideal for businesses seeking customizable cash back rewards.
Bank of America Business Advantage Travel Rewards World Mastercard credit card
Rewards rate
Earn unlimited 1.5 points for every $1 spent on all purchases.
Points don't expire and there's no limit to the amount you can earn.
75% more points on every purchase if you qualify for Preferred Rewards for Business Platinum Honors tier, potentially earning up to 2.62 points per $1 on all purchases.
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Pros & cons
No annual fee and no international transaction fees.
Unlimited 1.5 points per $1 spent on all purchases.
Flexible redemption options including statement credits for travel and dining, travel with no blackout dates, cash back, or gift cards.
Additional rewards for customers with a business checking account and qualifying for Preferred Rewards for Business
High variable APR after the introductory period.
Requires significant banking relationship with Bank of America to maximize rewards.
Cash advance and balance transfer fees may diminish the value of rewards.
Card Details
The Business Advantage Travel Rewards World Mastercard® credit card simplifies business travel rewards. Earn unlimited 1.5 points per $1 spent on everything, with no annual fee or foreign transaction fees. Businesses with a strong Bank of America® relationship can earn up to 2.62 points per $1. Redeem points flexibly for travel, cash back, and more.
Alaska Airlines Visa Business credit card
Rewards rate
Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases.
Earn 2 miles for every $1 spent on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases.
10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America small business account.
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Pros & cons
Priority boarding on flights paid with the card.
$100 off an annual Alaska Lounge+ Membership.
20% back on Alaska Airlines inflight purchases.
Earn a 10% rewards bonus on all miles with an eligible Bank of America small business account.
Annual fee of $70 for the company and $25 per card.
Benefits primarily cater to frequent Alaska Airlines customers.
Card Details
The Alaska Airlines Visa® Business Card fuels your business travel! Earn a 50,000-mile bonus, 3 miles per $1 spent on Alaska Airlines, and 2 miles per $1 on select business purchases. Enjoy priority boarding, inflight discounts, and an Alaska Lounge+ Membership discount. For businesses with a Bank of America® account, get an additional 10% mileage bonus.