Best Business Credit Card Offers
October 2025
Every month we share what we believe are the top business credit card offers on the market according to the 10xT staff.
We rank these offers by looking at their welcome offers or signup bonuses, cardholder perks, ongoing value, and any fees they may charge. And while the best offer for your business will vary depending on a number of factors, we rank the top offers based on the order in which we think they should be considered by the average business owner.
We divide these top business credit card offers into two lists, one for those of you who are over 5/24 and one for those of you who are under.
If you’re on your way to becoming a business owner and want to learn more about business credit cards, check out some of these articles:
10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All values of Membership Rewards are assigned based on the assumption, experience and opinions of the 10xTravel team and represent an estimate and not an actual value of points. Estimated value is not a fixed value and may not be the typical value enjoyed by card members.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Best Business Credit Cards Under 5/24
Current Offer
Earn $900
bonus cash back
when you spend $6,000 on purchases in the first three months after account opening
Annual Fee:
$0
Terms Apply.
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1%
Earn 1% cash back on all other purchases, with no limit on how much you can earn
The Chase Ink Business Cash® Credit Card comes with a points welcome bonus that is often marketed as “cash”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.
Current Offer
Earn $900
bonus cash back
after you spend $6,000 on purchases in the first 3 months from account opening
Annual Fee:
$0
Terms Apply.
1.5%
Earn unlimited 1.5% Cash Back rewards on every purchase
The Chase Ink Business Unlimited® Credit Card comes with a welcome bonus that is marketed as “cash”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.
Current Offer
90,000
bonus points
after you spend $8,000 on purchases in the first 3 months after account opening.
Annual Fee:
$95
Terms Apply.
3x
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
1x
Earn 1 point per $1 on all other purchases, with no limit.
The Chase Ink Preferred® Credit Card earns the exact same points as the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. It comes with a substantial bonus, the highest of all the UR cards. Ink Preferred is a business card, but you don’t need to own a “traditional business” to qualify for the card. Email bryce@10xTravel.com if you have any questions about your particular situation.
Current Offer
200,000
bonus points
after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Annual Fee:
$795
Terms Apply.
8X
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
5x
Earn 5x total points on Lyft rides through 9/30/27.
4X
Earn 4x points on flights & hotels booked direct.
3X
Earn 3x points on social media & search engine advertising.
The Chase Sapphire Reserve for Business offers substantial value with over $2,500 in annual benefits and credits despite a $795 annual fee. However, it's only worthwhile if you maximize benefits; otherwise, consider lower-cost Chase Ink Business Cards.
Current Offer
Limited-time offer: Earn 100,000
bonus miles
and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee:
$150
Terms Apply.
2x
miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x
mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks. Note that you are not eligible for this card if you have received a bonus on the United℠ Business Card in the past 24 months.
Current Offer
Limited Time Offer! up to 200,000
Earn 140,000 Bonus Points
after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening. Offer ends at 9 AM EST on 10/23/2025
Annual Fee:
$99
Terms Apply.
26X
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
5X
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants
3X
Earn 3 points per $1 spent on all other purchases
This card presents an opportunity for loyal IHG travelers who are business owners to earn points and receive additional perks related to IHG, all for a relatively low annual fee when compared to other comparable card offers. Though the points earned from this card would be considered to be less flexible than some other options, it is still well worth considering for anyone who is eligible to get it.
Current Offer
Earn 120,000
points
after you spend $10,000 on purchases in the first 3 months from account opening.
Annual Fee:
$299
Terms Apply.
4x
Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
2x
Earn 2 points per $1 spent on local transit and commuting, including rideshare.
2x
Earn 2 points per $1 spent on hotel accommodations booked directly with hotel.
2x
Earn 2 points per $1 spent at gas stations and restaurants.
1x
Earn 1 point per $1 spent on all other purchases made with your card.
The Southwest Rapid Rewards® Performance Business card is a great grab for anyone who can qualify. Note that this card does not currently exclude Southwest Rapid Rewards Priority Business Card holders from getting it.
Current Offer
60,000
Bonus Points
after you spend $5,000 on purchases in your first 3 months from account opening
Annual Fee:
$199
Terms Apply.
9x
up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x
2 Bonus Points per $1 spent in your top three spend categories each quarter
2x
per $1 spent at fitness clubs and gym memberships
1x
per $1 spent on all other purchases
The World of Hyatt Business Credit Card is a great option for business owners who are looking to earn rewards and perks with Hyatt. This card has a reasonable annual fee and comes with a handful of perks and credits that should more than justify that fee for most cardholders.
Current Offer
60,000
bonus points
after you spend $3,000 on purchases in the first 3 months from account opening.
Annual Fee:
$149
Terms Apply.
3x
Earn 3x points on all Southwest Airlines® purchases
2x
Earn 2x points at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year
2x
Earn 2x points on Rapid Rewards® hotel and car rental partners (until Dec 31, 2025)
2x
Earn 2x points on local transit and commuting, rideshares, internet, cable, and phone services; select streaming (until Dec 31, 2025)
1x
Earn 1x points on all other purchases
An excellent choice for business owners who frequently travel on Southwest. This card is often paired with one of the personal Southwest cards to earn the coveted Southwest Companion Pass.
Current Offer
$1,000
Bonus cash back
after you spend $10,000 on purchases in the first 3 months from account opening.
Annual Fee:
$195
Terms Apply.
5%
Earn unlimited 5% total cash back on travel purchased through Chase Travel℠
2.5%
Earn unlimited 2.5% total cash back on purchases of $5,000 or more.
2%
Unlimited 2% cash back on all other business purchases
A premium cash back business card for Chase. It's good if you're looking to earn some cash back, but doesn't offer the ability to earn points that you can transfer to partners.
Best Business Credit Cards Above 5/24
Current Offer
80,000
bonus points and a $99 Companion Fare (plus taxes and fees from $23)
after you make $5,000 or more in purchases within the first 90 days of opening your account.
Annual Fee:
$70
Terms Apply.
3X
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
2X
2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.
1x
Earn 1 point per $1 spent on all other purchases.
The Atmos™ Rewards Visa Signature® Business Card is an Alaska Airlines business card, provided by Bank of America. Alaska miles are valued by many travelers, so this is a good card to get if you’re eligible for business credit cards....
Current Offer
For a limited time, earn 75,000
American Airlines AAdvantage® bonus miles
after spending $5,000 in purchases within the first 5 months of account opening.
Annual Fee:
$99
$99, waived for the first 12 months
Terms Apply. | Rates & Fees.
2x
Earn 2 miles for every $1 spent on cable and satellite providers
2x
Earn 2 miles for every $1 spent on eligible American Airlines purchases
2x
Earn 2 miles for every $1 spent at gas stations
2x
Earn 2 miles for every $1 spent on select telecommunications merchants
2x
Earn 2 miles for every $1 spent on car rentals
1x
Earn 1 mile for every $1 spent on other purchases
Citi is an advertising partner. The Citi® / AAdvantage Business™ World Elite Mastercard® delivers substantial value for business owners who frequently fly American Airlines. Cardholders earn double miles on American Airlines purchases and in several key business spending categories:...
Current Offer
Elevated Welcome Offer: Earn 200,000
Membership Rewards® Points
after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Annual Fee:
$895
Terms Apply. | Rates & Fees.
5x
5x points on flights and prepaid hotels on AmexTravel.com
2x
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1x
1X points on other eligible purchases
The Business Platinum Card® from American Express stands as a premier business card option, offering exceptional value through its comprehensive suite of premium travel benefits and rewards opportunities. Cardholders gain access to the valuable American Express Membership Rewards program along...
Current Offer
100,000
Membership Rewards® Points
after spending $15,000 in the first 3 months. Terms apply.
Annual Fee:
$375
Terms Apply. | Rates & Fees.
4x
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3x
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
1x
Earn 1x Membership Rewards® Points on all other purchases.
The real benefit of the American Express® Business Gold Card is the the fact that you earn 4X points on the two categories with the highest spending each billing cycle, automatically, on the first $150,000 in combined purchases each calendar...
Current Offer
Earn 150,000
Bonus Miles
once you spend $30,000 in the first 3 months from account opening
Annual Fee:
$395
Terms Apply.
10X
Earn 10X on hotels and rental cars booked through Capital One's travel booking site
5X
Earn 5X on flights and vacation rentals booked through Capital One's travel booking site
2X
Earn 2X miles on every purchase
Capital One has recently made its Venture X Business card available to the public, following its initial limited release through relationship managers. Despite a $395 annual fee, the card includes various benefits like a $300 credit for bookings through Capital...
Current Offer
LIMITED TIME OFFER: Earn 125,000
Marriott Bonvoy points
after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
Annual Fee:
$125
Terms Apply. | Rates & Fees.
6x
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x
Earn 4x points for purchases made 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
2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases.
The Marriott Bonvoy Business® American Express® Card delivers substantial value for business owners loyal to the Marriott brand. Cardholders earn an impressive 6X Marriott Bonvoy points per dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 4X...
Current Offer
Limited Time Offer: Earn 175,000
Hilton Honors Bonus Points
after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026.
Annual Fee:
$195
Terms Apply. | Rates & Fees.
12x
on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
5x
on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
The Hilton Honors American Express Business Card offers impressive rewards potential for business owners who frequently stay at Hilton properties, featuring a generous 12X points earning rate on eligible Hilton purchases. The card provides 5X on other purchases for the...
Current Offer
50,000
Bonus Miles
after you spend $4,500 in the first 3 months
Annual Fee:
$95
Terms Apply.
2x
Miles on every purchase
5x
Miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, which can be redeemed to do the exact same things. The points can transfer to a handful of airline partners...
Current Offer
$2,000
Cash Bonus
after you spend $30,000 in the first 3 months
Annual Fee:
$150
Terms Apply.
2%
Cash Back on every purchase
5%
Cash back on hotels and rental cars booked through Capital One's travel booking site
Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings. Business owners can use this card to earn a flat 2% cash back on every purchase with no...
Current Offer
$1000
cash bonus
when you spend $10,000 within 3 months of account opening
Annual Fee:
$95
Terms Apply.
2%
cash back on every purchase
5%
unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
This is a great cash back card for businesses that want a flat-rate approach, since the Capital One Spark Cash gives you 2% cash back on every purchase. Plus, if you wanted to book hotels or rental cars through Capital...
Current Offer
Limited Time Offer: Earn 125,000
Bonus Miles
after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee:
$650
Terms Apply. | Rates & Fees.
3x
Miles per $1 on Delta purchases.
1.5X
Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply
1x
Miles per $1 spent on all else
The Delta SkyMiles® Reserve Business American Express Card stands as the premier option among Delta’s co-branded business credit cards, designed specifically for business owners who frequently fly with Delta Air Lines. Cardholders earn 3X miles on Delta purchases and 1.5X...
Current Offer
Limited Time Offer: Earn 100,000
Bonus Miles
after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee:
$350
Terms Apply. | Rates & Fees.
3x
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
3x
Earn 3 Miles on every eligible dollar spent on purchases made directly with hotels.
1.5x
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
1x
Earn 1 Mile on every eligible dollar spent on other purchases.
The Delta SkyMiles® Platinum Business American Express Card delivers substantial value for business owners who regularly fly with Delta. The card features an earning structure with 1.5X miles on several business-focused categories—U.S. shipping providers, transit (including rideshares and taxis), and...
Current Offer
Limited Time Offer: Earn 90,000
Bonus Miles
after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee:
$150
Terms Apply. | Rates & Fees.
2x
Earn 2x miles on Delta purchases.
2x
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2x
Earn 2x miles on every eligible dollar spent at restaurants.
1x
Earn 1x miles back on all other purchases
The Delta SkyMiles® Gold Business American Express Card presents a balanced option for business owners with Delta loyalty, offering practical travel benefits at a modest annual fee. Cardholders enjoy priority boarding and a complimentary first checked bag on Delta flights—perks...
Current Offer
15,000
Membership Rewards®
after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
Annual Fee:
$0
Terms Apply. | Rates & Fees.
2x
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year.
1x
Earn 1x on all purchases after that. Terms and limitations apply
The Blue Business® Plus Credit Card from American Express delivers exceptional everyday value for business owners, featuring a straightforward rewards structure that earns 2x Membership Rewards points on all purchases up to $50,000 annually (1x thereafter). This simplicity makes it...
Frequently Asked Questions
Can I combine points from my business cards with my personal cards?
Yes you can combine points from your business cards with your personal cards. Although the process will vary between banks, you can easily combine any transferable rewards points between your business and personal accounts.
For co-branded cards, simply add your personal frequent flyer account or hotel loyalty number and the points will be credited to your personal account.
Do I have to exclusively redeem points for business use?
Not at all! The points you earn are yours and do not have to be redeemed for business use. Just like any frequent flyer miles you earn from business flights don’t have to be used for your business, points earned from business credit cards don’t as well.
How do points and miles earned impact my business taxes?
We aren’t accounting professionals, so you should definitely consult your accountant. While this is not tax advice, typically points and miles earned are considered rebates and aren’t taxable as income. Again, you should consult with your accountant for how the earning of points and miles impacts your business specifically.
I have partners in my business, can I still open a business card?
This very much depends on your business’s operating agreement. You should consult the operating agreement and your partners to see if this is permitted.
If I open employee cards, will I earn the rewards from my employee’s spend?
Yes. The spend that your employees put on your business card will generate rewards for you. Your employees won’t have access to the rewards.
Do the same restrictions apply when opening a business card as opening a personal card?
Yes, common restrictions such as the Chase 5/24 rule, and Amex’s once per lifetime bonus restriction apply to business cards as well. Always check the terms and conditions of the card you’re applying for to be certain of any restrictions that may apply.