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 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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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
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.
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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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
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.
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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Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
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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.