Credit Cards That Work for You: The Top Business Cards for Rewards, Cash Back & Travel

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As a business owner, every dollar counts. The right business credit card can help you earn rewards, manage cash flow, and even fund your next big business move. Whether you want cash back, travel perks, or flexible financing, there’s a card for you!

Why You Need a Business Credit Card

A business credit card isn’t just a tool for making payments—it’s a strategic asset. Here’s why:

✔ Earn rewards on everyday business expenses.

✔ Separate personal and business finances for tax benefits.

✔ Build business credit to qualify for loans & funding.

✔ Improve cash flow with 0% APR financing options.

✔ Access exclusive perks like airport lounges, hotel upgrades, and purchase protections.

Now, let’s dive into the top business credit cards based on your needs!

Best Business Credit Cards for Rewards, Cash Back & Travel

🔥 Best Overall Business Credit Card

💳 Chase Ink Business Unlimited®

✔ Unlimited 1.5% cash back on all purchases.

✔ 0% intro APR for 12 months (then variable APR applies).

✔ No annual fee.

✔ Free employee cards.➡ Best for: Business owners who want simple, unlimited rewards without tracking categories.

💰 Best Business Credit Card for Cash Back

💳 Capital One Spark Cash Plus

✔ 2% cash back on all purchases (no spending categories).

✔ No preset spending limit.

✔ $1,200 cash bonus (after spending $30,000 in 3 months).

✔ No foreign transaction fees.➡ Best for: Business owners who spend a lot and want straightforward cash back.

✈ Best Business Credit Card for Travel Rewards

💳 American Express Business Platinum Card

✔ 5X points on flights and prepaid hotels booked through Amex.

✔ Lounge access at Centurion Lounges & Priority Pass.

✔ $200 airline fee credit + statement credits for select travel perks.

✔ Gold status at Hilton & Marriott hotels.➡ Best for: Frequent travelers who want luxury perks and premium rewards.

🏆 Best for Startups & No Personal Guarantee (No PG) Card

💳 Brex Card

✔ No personal credit check or PG required.

✔ 7X points on rideshare, 4X on dining, 3X on travel.

✔ No annual fee.

✔ Higher credit limits based on revenue.➡ Best for: Startups and entrepreneurs who want to build business credit without personal risk.

📉 Best 0% APR Business Credit Card

💳 U.S. Bank Business Platinum Card

✔ 0% intro APR for 18 months on purchases & balance transfers.

✔ No annual fee.

✔ Low ongoing APR after intro period.➡ Best for: Businesses that need interest-free financing for big purchases.

How to Choose the Best Business Credit Card

When selecting a business credit card, consider:

📌 Rewards Structure: Do you want cash back, travel points, or flexible rewards?

📌 Annual Fee: Some premium cards charge fees—make sure the rewards outweigh the cost.

📌 Credit Score Requirements: Check if the card requires good to excellent credit.

📌 0% APR Offers: Need to finance equipment or marketing? Look for a 0% intro APR card.📌 Business Credit Reporting: Some cards help build business credit, while others don’t.

Pro Tip: If your business spends heavily in one category (like ads, dining, or travel), pick a card that rewards that spending!

Top Credit-Building Tools for Entrepreneurs

🔹 Nav.com – Free & paid services to monitor and improve your business credit score.

🔹 Experian Business Credit Report – Get insights on your business credit profile.

🔹 Dun & Bradstreet (D&B) Number – Essential for building business credit and qualifying for funding.

🔹 CreditStrong Business – Helps establish a strong credit profile by reporting payments to business credit bureaus.

🔹 Divvy Business Credit Builder – A secured business credit card that helps improve your credit score.

🔹 Fundbox – Provides short-term financing options for businesses based on revenue.

🔹 Uline, Quill, & Grainger – Net-30 vendors that report to D&B to help build your business credit.

Pro Tip: Start with vendors that report to business credit bureaus to build your credit quickly!

How to Apply & Get Approved for a Business Credit Card

🔹 What You Need to Apply

✔ Business Name & EIN (Employer Identification Number) (or SSN for sole proprietors).

✔ Business Type & Revenue (estimated if new business).

✔ Personal Credit Score (unless applying for a no-PG card).

✔ Legal Business Structure (LLC, Sole Proprietor, etc.).

🔹 How to Increase Approval Odds

✅ Apply for cards that match your credit score.

✅ Keep personal credit utilization low before applying.

✅ Have a business checking account with cash flow.

✅ If denied, consider a secured business credit card to build credit.

Common Mistakes to Avoid with Business Credit Cards

🚫 Mixing Business & Personal Expenses → Always separate business purchases for tax & legal protection.

🚫 Carrying a High Balance → High balances hurt your business credit score and lead to high interest payments.

🚫 Ignoring Business Credit → Even if your business is new, start building credit early by making small purchases & paying them off.

🚫 Choosing the Wrong Card → Pick a card that matches your spending habits & business needs.

🚫 Paying Late → Late payments can ruin your business credit score! Set up autopay to stay on track.

Choose the Right Business Credit Card & Start Earning Rewards

A business credit card is more than just a way to pay—it’s a tool to grow your business, earn rewards, and build financial security. Whether you want cash back, travel perks, or financing options, there’s a card that fits your business needs.

💳 Ready to apply? Check out our top picks:

🔹 Best Cashback Card: Chase Ink Business Unlimited

🔹 Best for Travel Rewards: Amex Business Platinum

🔹 Best No PG Card: Brex Card

🔹 Best 0% APR Card: U.S. Bank Business Platinum

🔥 Want more financial tips? Join Black Women in Wallstreet for expert advice on funding, business credit, and wealth-building strategies!