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
See rates and fees
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.
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.
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.