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 Plus
See rates and fees
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 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.
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.