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 Cash Select for Excellent Credit
See rates and fees
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.