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!
The Plum Card from American Express
Rewards rate
1.5% cash back on eligible charges when paid within 10 days of the statement closing date.
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Pros & cons
1.5% cash back on payments made within 10 days of statement closing.
Up to 60 days to pay without interest.
No preset spending limit.
No foreign transaction fees.
$250 annual fee.
No traditional rewards program for spending.
Must pay early to earn cash back.
Card Details
The Plum Card® from American Express offers payment flexibility for businesses. Choose between a 1.5% early pay discount or up to 60 days to pay without interest. With no preset spending limit or foreign transaction fees, it’s ideal for businesses that prioritize cash flow management over traditional rewards programs. While there’s a $250 annual fee, this card is worth considering for businesses with fluctuating expenses.
The Blue Business Plus Credit Card from American Express
Rewards rate
2X Points on everyday business purchases, up to $50k per calendar year.
1X Points on all other eligible purchases.
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Pros & cons
No annual fee.
2X points on the first $50,000 spent each year.
0% introductory APR on purchases for 12 months.
Flexible buying power with Expanded Buying Power.
2X points cap at $50,000 in purchases per year.
High APR after the introductory period.
Card Details
The Blue Business® Plus Credit Card from American Express simplifies rewards for small businesses. Earn 2X points on everyday business purchases (up to $50,000 annually) and enjoy a 0% intro APR for 12 months with no annual fee. The Expanded Buying Power feature adds flexibility. Just remember the points cap and that a high APR kicks in after the intro period.
The Hilton Honors American Express Business Card
Rewards rate
12X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio.
3X Hilton Honors Bonus Points on all other eligible purchases.
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Pros & cons
High bonus points earning rate at Hilton hotels and resorts.
Generous welcome offer of 130,000 Hilton Honors Bonus Points.
Complimentary Hilton Honors Gold Status, offering perks like room upgrades and bonus points on stays.
No foreign transaction fees.
$95 annual fee.
High APR for those carrying a balance.
Diamond status requires $40,000 in eligible purchases within a calendar year.
Card Details
The Hilton Honors American Express Business Card maximizes rewards for Hilton loyalists. Earn a massive 12X points at Hilton properties, a generous welcome bonus, and automatic Hilton Honors Gold status for perks like room upgrades. Enjoy 10 complimentary Priority Pass™ lounge visits annually, and no foreign transaction fees. While there’s a $95 annual fee, businesses that prioritize Hilton stays will find substantial value in this card’s rewards and travel benefits.
Delta SkyMiles Platinum Business American Express Card
Rewards rate
3X Miles on purchases made directly with Delta and on hotel expenses.
1.5X Miles on transit, eligible U.S. shipping & purchases of $5K or more, up to $100K per year.
1X Miles on all other eligible purchases.
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Pros & cons
High bonus miles offer.
3X Miles on Delta and hotel purchases.
Annual Companion Certificate for certain flights.
Up to $200 in Delta Stays statement credits.
$120 in Resy and rideshare credits annually.
No foreign transaction fees.
High annual fee of $350.
Spending requirement for bonus miles is steep.
1.5X Miles category has a cap of $100K in purchases per year.
Card Details
The Delta SkyMiles® Platinum Business American Express Card is built for frequent Delta flyers. Earn a big bonus, 3X miles on Delta and hotels, plus get an annual Companion Certificate, up to $200 in Delta Stays credits, and $120 in Resy/rideshare credits. While the $350 annual fee is substantial (see rates and fees), avid Delta customers will reap significant travel benefits and rewards.
Marriott Bonvoy Business Card from American Express
Rewards rate
6X Marriott Bonvoy Points at hotels participating in the Marriott Bonvoy program.
4X Marriott Bonvoy Points on purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U. S. purchases for shipping.
2X Marriott Bonvoy Points on all other eligible purchases.
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Pros & cons
Generous intro offer of 5 Free Night Awards.
High earning rate on Marriott Bonvoy hotels and select business categories.
Complimentary Marriott Bonvoy Gold Elite status.
Annual Free Night Award after Card renewal and another after $60,000 spend in a calendar year.
No foreign transaction fees.
$125 annual fee after the first year.
High spending requirement for the intro offer.
Free Night Awards capped at hotels requiring 50,000 points or less.
Card Details
The Marriott Bonvoy Business® American Express® Card maximizes rewards for Marriott loyalists. Earn a generous bonus, 6X points at Marriott hotels, 4X on dining, gas, shipping, and wireless, plus enjoy Gold Elite status and annual Free Night Awards. While there’s a $125 annual fee (see rates and fees), frequent Marriott guests will find significant value in the card’s rewards and perks.
Amazon Business Prime American Express Card
Rewards rate
5% Back or 90 Day Terms on select U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
5% back on the first $120,000 in purchases each calendar year with eligible Prime Membership, 1% Back thereafter.
2% Back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers.
1% Back on all other eligible purchases made using the Amazon Business Prime Card.
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Pros & cons
Earn up to 5% Back on Amazon-related purchases with an eligible Prime Membership.
No annual fee and no foreign transaction fees.
Access to exclusive Amazon Business Enhanced Data Views and Amazon Shop with Points.
Comprehensive expense management tools, including Account Manager and Connect to QuickBooks.
High APR for balances.
5% Back rewards cap at $120,000 in purchases each calendar year, then 1% Back thereafter.
Benefits and rewards are maximized with an Amazon Prime membership.
Card Details
The Amazon Business Prime American Express Card maximizes rewards for Amazon-reliant businesses. Earn 5% back on Amazon Business, AWS, Amazon.com, and Whole Foods (up to $120,000 annually with Prime), then 2% on US restaurants, gas stations, and wireless services. Enjoy no annual fee, no foreign transaction fees, and expense management tools. However, the high APR and focus on Amazon spending make this card best suited for those with Prime memberships who heavily utilize Amazon for business.
American Express Blue Business Cash Card
Rewards rate
2% Cash Back on everyday eligible business purchases up to $50,000 per calendar year in the form of reward dollars.
1% Cash Back on other eligible purchases after the first $50,000 spent on your Card in the form of reward dollars.
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Pros & cons
Earn 2% cash back on the first $50,000 spent each calendar year.
No annual fee.
0% introductory APR on purchases for the first 12 months.
Expanded Buying Power to spend beyond your credit limit.
Cash back rate drops to 1% after $50,000 in purchases each year.
High APR after the introductory period.
Benefits and rewards may not cater to businesses with very high annual spending.
Card Details
The Blue Business Cash™ Card from American Express simplifies cash back for small businesses. Earn 2% back on the first $50,000 in spending each year, then 1%. Enjoy a $0 annual fee, a 0% intro APR for the first 12 months, and Expanded Buying Power for flexibility. Just note that the cash back rate drops after the spending cap, and the high APR after the intro period means it’s best for businesses that pay their balance in full.
American Express Business Gold Card
Rewards rate
4X Points on your top 2 eligible categories each billing cycle, on the first $150,000
3X Points on flights & pre-paid hotels booked on AmexTravel.com.
1X Points on all other eligible purchases.
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Pros & cons
Earn 4X points on top 2 spending categories.
70,000 Membership Rewards points welcome offer.
Up to $395 in annual statement credits.
No foreign transaction fees.
Comprehensive travel and purchase protections.
High annual fee of $375.
4X points cap at $150,000 in purchases per year.
Complex rewards structure.
High APR for Pay Over Time feature.
Card Details
The American Express Business Gold Card rewards flexibility and travel. Earn 4X points on your top 2 spending categories each cycle (up to $150,000 annually), 3X points on flights and prepaid hotels booked through Amex Travel, and get up to $395 in annual statement credits. While the $375 annual fee is substantial, frequent travelers and businesses with varied spending will find significant value in the card’s rewards and travel perks.
Amazon Business American Express Card
Rewards rate
3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
2% Back at U.S. restaurants, at U.S. gas stations, and on wireless telephone services purchased directly from U.S.
service providers.
1% Back on other purchases made using the Amazon Business Card.
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Pros & cons
No annual fee.
Earn up to 3% Back on purchases.
No foreign transaction fees.
Various expense management tools and benefits like Year-End Summary and Connect to QuickBooks.
High APR for balances.
Rewards cap at $120,000 in purchases each calendar year for 3% Back.
Benefits primarily focused on Amazon-related purchases.
Card Details
The Amazon Business American Express Card rewards spending on Amazon and select everyday categories. Earn 3% back on Amazon Business, AWS, Amazon.com, and Whole Foods (up to $120,000 annually), then 2% on US restaurants, gas stations, and wireless services. Enjoy no annual fee, no foreign transaction fees, and expense management tools. However, the high APR and focus on Amazon-related purchases may not suit all businesses.
CitiBusiness / AAdvantage Platinum Select Mastercard
Rewards rate
Earn 2 AAdvantage miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations, and on eligible American Airlines purchases.
Earn 1 AAdvantage mile for every $1 spent on all other purchases.
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Pros & cons
Bonus miles offer for new cardmembers.
Earn 2 miles per $1 on select business categories and eligible American Airlines purchases.
First checked bag free and preferred boarding on American Airlines flights.
No foreign transaction fees.
Annual fee applies after the first year.
Bonus miles offer is not available if you have received a new account bonus for a CitiBusiness / AAdvantage account in the past 48 months.
Card Details
Unlock travel perks and rewards for your business with the CitiBusiness / AAdvantage Platinum Select Mastercard! Earn a generous bonus miles offer, then double up on miles with select business purchases and American Airlines flights. Enjoy a free first checked bag, priority boarding, and no foreign transaction fees. While there’s an annual fee, frequent American Airlines flyers will reap significant value from this card’s travel benefits and accelerated rewards.