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!
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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Intro Offer
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Annual Fee
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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.
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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Intro Offer
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Annual Fee
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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.
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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Intro Offer
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Annual Fee
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Regular APR
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Credit Score
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.