Best Business Credit Cards Of August 2020

For businesses looking for the best rewards program to join, American Express® Business Gold Card is an excellent option. American Express is among the highest in membership point valuation, with one point equaling as much as two cents depending on how it’s redeemed. The Gold business card offers generous point redemption towards gift cards, prepaid hotels, flights, Amazon shopping and more.

Rewards: 4X points on two select categories where you spend most each month (automatically determined by AMEX), and get back 25% of the points you use when you book eligible flights with Amex Travel, up to 250,000 points back per calendar year.

Annual Fee: $295 (see rates and fees)

Bonus Offer: Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership

Other Benefits or Drawbacks: The American Express Business Gold also offers up to one year free of G Suite Basic for three users and ZipRecruiter Standard in the first 12 months of membership; according to the card website, that’s a combined value of up to $3,200 when taking advantage of both offers.

Additionally, American Express has one of the most robust benefits programs out there. Cardholders have the ability to pay balances over time with interest, and there are no pre-set spending limits on the Business Gold card.

American Express also grants users travel and transportation protections, such as baggage insurance, emergency assistance, no foreign transaction fees and statement credits for booking at partner hotels.

The annual fee on the Business Gold card can seem daunting at first. A business that makes this its primary card, however, can quickly earn back the $295 fee in the form of membership rewards.

Small business owners are busy, meaning choosing and using a card with complex category rewards can be time consuming. The Capital One® Spark® Cash for Business* card is a great fit for small businesses looking for a simple yet generous cash back rewards program and a low APR.

Rewards: Earn unlimited 2% cash back that can be redeemed any time and with no minimums. For a company spending $10,000 per month, that can equal $2,900 cash back in the first year (including the bonus offer).

Bonus Offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Annual Fee: $0 intro for first year, $95 after that

Other Benefits or Drawbacks: Other benefits of this card include free employee cards, meaning small business owners can earn more cash back faster. Cash back rewards can be redeemed at any time and have no expiration date.

A downside, however, is this card isn’t for a businesses or owner with less than stellar credit. With its strict requirement for “good” to “excellent” credit,’ the Capital One Spark Cash for Business will only work for businesses and owners with first rate credit histories.

If your goal is earning flat-rate rewards you can use for travel without having to deal with a complicated rewards program, consider the Capital One® Spark Miles® for Business. This card offers a generous rewards rate, plus the ability to redeem your rewards for any type of travel at a rate of one cent per point.

Rewards: Earn 2 miles per dollar spent on all purchases made with your card, as well as 5 miles per dollar on hotel and rental car bookings made through Capital One Travel.

Annual Fee: $0 for the first year; $95 thereafter

Bonus Offer: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Other Benefits and Drawbacks: In addition to the fact that you can redeem your miles for any travel purchase made with this card, you can also transfer miles to airline partners including Air Canada, Air France, Singapore Airlines and others. You’ll also get a $100 credit toward Global Entry or TSA Precheck membership and this card comes with no foreign transaction fees.

The only real downside of this card is the fact that, other than earning 5 miles per dollar on hotel and rental car bookings made through Capital One, there aren’t many ways to maximize your rewards.

Also note that this card’s airline partners are mostly international carriers that may be difficult for domestic flyers to use, and that the transfer ratio is 2:1.5 with most airlines (meaning you only get 1.5 airline miles for each 2 Capital One miles you transfer) with the exception of Emirates and Singapore Airlines, which have a 2:1 transfer ratio—even worse.

The Chase Ink Business Preferred® Credit Card offers one of the highest points per cent value and an impressive bonus offer, making it a top pick for business travel.

Rewards: Earn three points per $1 on the first $150,000 spent on travel, shipping, internet, cable and phone services, and advertising purchases on social media and search engines. A business taking full advantage of this rewards offer would earn 450,000 points ($150,000 x 3) on these categories alone.

The value of these points depends on how they are redeemed. If redeemed for cash or a statement credit, the rewards would have a value of $4,500. Redeem the points for travel through Chase Ultimate Rewards, and cardholders receive a 25% bonus, bringing the value up to $5,625. Finally, cardholders can transfer points to partner airlines and hotel brands. With some airline miles worth as much as two cents, the value of these rewards could reach $9,000 per year.

Annual Fee: $95

Bonus Offer: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Other Benefits or Drawbacks: The Chase Ink Business Preferred card also comes with significant travel protection, such as trip cancellation insurance up to $5,000 per trip, cell phone protection up to $600 per claim and auto rental collision insurance. This card’s annual fee is much lower than for other competitor travel cards. Moreover, points can be used toward travel with 12 airlines and three hotel programs, giving cardholders flexibility and choice when it comes to redeeming travel points.

One drawback of the Chase Ink Business Preferred card is that the bonus offer requires spending $5,000 within the first three months, which is higher than required for the bonuses on other travel rewards cards. Some businesses, however, might find it relatively easy to hit this threshold.

You can read our full review of the Ink Business Preferred Credit Card here.

The Ink Business Cash Credit Card can be extremely lucrative if you spend a lot within its bonus categories each year. You can also earn a generous initial signup bonus and unlimited rewards with no annual fee.

Rewards: Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and internet, cable and phone services each year (then 1%), 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants each year (then 1%), and 1% back on all other purchases.

Annual Fee: $0

Bonus Offer: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening

Other Benefits and Drawbacks: Earning generous rewards without an annual fee is a smart move, and we like this card’s lucrative bonus categories since they can work within a variety of small business settings. After all, it’s not uncommon for businesses to spend a lot at office supply stores, or internet, cable and phone services, as well as gas and dining.

You can also qualify for free employee cards and begin earning rewards on all your employee’s business-related purchases along the way.

We also like the fact that this card gives you 0% APR on purchases for the first 12 months, followed by a variable APR based on your creditworthiness. However, you should note that this benefit only applies to purchases and not to balance transfers.

The Business Platinum Card® from American Express does come with a pricey annual fee, but it can be a steal for anyone who travels frequently and wants access to luxury travel perks.

This card comes with an array of travel credits you can use each year, along with premium benefits like airport lounge access, a fee credit for Global Entry or TSA Precheck and a $200 airline credit for incidentals with your favorite airline. You’ll also get automatic Gold status with the Marriott Bonvoy and Hilton Honors hotel programs, as well as up to $200 in credit toward U.S. Dell purchases and 35% of your points back, up to 500,000 bonus points per calendar year, when you redeem them for airfare through AmexTravel.com.

Rewards: Earn 5x Membership Rewards points per dollar spent on prepaid flights and hotels booked through AmexTravel.com; also earn 0.5 points per dollar on purchases of $5,000 or more and 1 point per dollar on all other purchases.

Annual Fee: $595 (see rates and fees)

Bonus Offer: Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership

Other Benefits and Drawbacks: The Business Platinum Card® from American Express offers a lot in exchange for its annual fee, including the broadest airport lounge program available. Not only will you be able to access Priority Pass lounges worldwide, but you can also use American Express Centurion Lounges and even Delta SkyClubs when you fly Delta.

The biggest downside of this card is the fact that the credits are so specific. Not everyone can use a $200 credit toward Dell computers each year and the airline fee credit is only good for incidental purchases made with a specific airline you choose at the beginning of the year.

Also note that, outside of prepaid travel purchases made through AmexTravel.com and purchases over $5,000, you’ll only earn 1 point for each dollar you spend, which isn’t as good as competing cards.

The Bank of America Business Advantage Cash Rewards credit card gives business owners the ability to make the card fit their spending categories.

Rewards: Cardholders can choose a 3% cash back category from the following six categories: gas stations, office supply stores, travel, TV/telecom and wireless, computer services or business consulting services. The 3% cash back category can be changed every month.

Cardholders also receive 2% cash back on dining and 1% cash back on all other purchases. The 3% and 2% cash back categories are limited to the first $50,000 in spending per calendar year, after which all purchases will earn 1% cash back.

Annual Fee: $0

Bonus Offer: Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening

Other Benefits or Drawbacks: Other benefits of this card include an introductory 0% APR offer on purchases for the first 9 billing cycles, after which the standard purchase APR, based on your creditworthiness, will apply.

Cardholders can even earn up to 75% more cash back through participation in the Preferred Rewards program.

This card is not a good fit for businesses that expect to spend more than $50,000 per calendar year in combined purchases in the chosen 3% category and 2% dining category because further rewards will be capped at 1% cash back.

The Blue Business® Plus Credit Card from American Express is interesting because you can earn Membership Rewards points without an annual fee. You can also save money on interest with 0% APR on purchases for 12 months, followed by a variable APR of 13.24%-19.24% based on your creditworthiness and other factors at account opening.

Rewards: Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Annual Fee: No annual fee (see rates and fees)

Bonus Offer: None

Other Benefits and Drawbacks: This card’s 0% APR offer can be enticing if you want to save money on interest at a lower APR. One downside of this card is the fact that you won’t earn any kind of welcome bonus for signing up and meeting a minimum spending requirement.

We do like the fact you can earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Considering this card doesn’t have an annual fee, we think this makes it a good option to pair with the The Business Platinum Card® from American Express to use for all your non-bonus spending.

If a card is offering cash back, a sky-high annual fee can significantly offset earnings. Choosing a cashback card with no annual fee is a great way to maintain the full value of the credit card’s offer.

The Discover it® Business Card * doesn’t have a fixed dollar or bonus points sign-up bonus, but it has a distinct sign-up bonus system that makes up for it. At the end of the first year, all the cash back the business owner has earned (at a 1.5% rate) is matched on a one for one basis. There’s no dollar limit on the spending that is eligible for either the 1.5% back or the match. For a card spend of $50,000 per year, the potential cash back reaches $1,500 (1.5% unlimited cash back + the first year cashback match).

Discover’s rival no-fee cash back card, the Chase Ink Business Unlimited℠ Credit Card*, returns the same unlimited 1.5% refund on expenses, with a sign-up $500 bonus cash back, and no match at the end of the year. Assuming $50,000 is charged in the first year, the Discover it card will provide $250 more in cash back at the end of one year.  For a business that will spend a lot less in the first year, however, the Chase Ink Business Unlimited card might be the better deal.

Rewards: Unlimited 1.5% cash back on every dollar for every purchase. Cash back is matched at the end of the first year with no limit.

Annual Fee: $0

Bonus Offer: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we'll match. So you could turn $350 cash back into $700 with Cashback Match™.

Other Benefits or Drawbacks: The Discover it card comes with the ability to easily download transactions to Quickbooks, Quicken or Excel, making expense management easier. There are also no overlimit fees, no late fees on the first late payment (up to $40 after that) and no foreign transaction fees. Discover also claims that paying late on this card won’t raise the card’s APR.

The highest APR on the Discover it card is slightly higher than other no-fee business cards, so cardholders with less-than-great credit will end up paying more in interest than with other cards.

The Marriott Bonvoy Business™ American Express® Card is a great pick for frequent Marriott guests. Its high point rewards in a variety of categories give cardholders flexibility and freedom to earn points toward free hotel stays and other purchases.

Rewards: 6X Marriott Bonvoy points at participating Marriott Bonvoy hotels, 4X points per dollar for purchases at U.S. restaurants, U.S. gas stations, on wireless phone services (purchased directly from U.S. providers) and U.S. shipping, 2X points on all other eligible purchases, 1 free night award and complimentary Marriott Bonvoy Silver Elite status.

Annual Fee: $125 (see rates and fees)

Bonus Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months

Other Benefits or Drawbacks: The $125 annual fee is high but is easily offset by the ability to redeem points for hotel stays. Cardholders are also credited for 15 nights toward elite status at Bonvoy hotels.

If you prefer Hilton hotels and have a Hilton Honors account, the Hilton Honors American Express Business Card is worth exploring. This card gives you complimentary Hilton Gold Status just for being a cardholder, and you can earn a generous welcome bonus and a high rate of rewards on all your spending.

Rewards: Earn 12 Hilton Honors points per dollar spent on Hilton purchases, 6 points per dollar at U.S. gas stations, wireless telephone services, U.S. shipping, U.S. restaurants, flights booked directly with the airline or with AmexTravel.com and car rentals booked directly with the car rental company; you’ll also earn 3 points per dollar on all other purchases.

Annual Fee: $95 (see rates and fees)

Bonus Offer: Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership

Other Benefits and Drawbacks: This card can be worth it for the welcome bonus alone, but don’t forget that you’ll also get automatic Hilton Gold Status. This elite status can afford you benefits like late checkout, complimentary breakfast at Hilton properties, room upgrades based on availability and more.

Other benefits you’ll receive include a free weekend night when you spend $15,000 on your card within a calendar year, as well as another free weekend night when you spend $60,000 on your card within a calendar year. Further, you can get an upgrade to Hilton Diamond Status with this card if you spend $40,000 within a calendar year.

You’ll also get 10 free visits to Priority Pass lounges per year, which can be more than enough if you only travel a few times per year. If you do travel more than once per month, however, you may want to consider a travel credit card with a Priority Pass Select membership that includes unlimited visits instead.

Frequent Delta flyers who want elite perks should consider picking up a co-branded Delta Air Lines credit card, and the Delta SkyMiles® Platinum Business American Express Card could be the best option for anyone who doesn’t want to pay a considerable annual fee for Delta Sky Club access.

This card comes with several frequent flyer perks including a fee credit for Global Entry or TSA Precheck, an annual companion certificate, a first free checked bag and priority boarding. You’ll also earn generous rewards on your purchases, and particularly on Delta purchases.

Rewards: Earn 3 Delta miles per dollar spent on Delta purchases and eligible hotel purchases, 1.5 miles per dollar on purchases of $5,000 or more and 1 mile per dollar on all other purchases.

Annual Fee: $250

Bonus Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.

Other Benefits and Drawbacks: The biggest downside of this card is the $250 annual fee (see rates and fees), although you can get a lot of value out of your cardholder perks if you fly with Delta Air Lines frequently. The $100 credit you get for Global Entry or TSA Precheck takes part of the sting out of the annual fee, and the free first checked bag benefit is worth $30 each time you fly with a checked bag. The initial bonus this card offers is also nice.

Note that you can redeem miles with Delta or with any number of SkyTeam partners. Some of the most popular partners you can redeem miles with include Air France, KLM and Virgin Atlantic, but Delta has more than 20 partner airlines in total. This card also makes it possible to visit Delta Sky Clubs for a reduced rate of $39, which can be a good deal if you only need to pop into an airport lounge a few times per year when you fly Delta and don’t mind paying for the privilege.

The Capital One® Spark® Classic for Business made our ranking because this card is available for consumers with average credit. This is a departure from most of the top travel and rewards credit cards for business that require good or excellent credit just to get approved. This card also lets you earn rewards with no annual fee, and you can slowly build up your credit score through responsible credit use.

Rewards: Earn an unlimited 1% cash back on all purchases.

Annual Fee: $0

Bonus Offer: None

Other Benefits and Drawbacks: This biggest downsides of this card are obvious. You won’t earn an initial signup bonus with this card, and you’ll only earn a flat 1% back for each dollar you spend. This card is also light on cardholder perks, although you will get free employee cards and access to credit building tools.

Then again, this card is really meant to help small business owners build up their credit over time. If you need a business credit card and your credit score isn’t that great, this is one of the best cash back credit cards for business you could actually be approved for.

If you prefer to fly with American Airlines or Oneworld airlines like British Airways or Cathay Pacific, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® could be your best bet for business spending. This card offers a generous initial bonus and plenty of cardholder perks that make keeping this card a no-brainer.

Rewards: Earn 2 American miles per dollar spent on American Airlines purchases, telecommunications, cable and satellite providers, car rental merchants and gas stations, and 1 mile per dollar on all other purchases.

Annual Fee: $99, waived for first 12 months

Bonus Offer: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening

Other Benefits and Drawbacks: The welcome bonus on this card is a huge initial benefit, and especially when you consider this card doesn’t charge an annual fee the first year. After all 65,000 American Airlines AAdvantage® bonus miles is enough for a round-trip MileSAAver award to Europe from the continental U.S., or a Business or First class MileSAAver round-trip domestic flight.

Also note that you can redeem American AAdvantage miles with more than 20 partners ranging from Hawaiian Airlines to Air Tahiti Nui, Alaska Airlines and Finnair. If you fly with American Airlines often, you’ll also benefit from perks like a free first checked bag, preferred boarding and a 25% discount on in-flight purchases made with your card. You can also earn a $99 (plus airline taxes and fees) Main Cabin domestic companion certificate when you spend $30,000 on your card within a calendar year.

In terms of downsides, this card only offers 1 mile per dollar spent on non-bonus purchases, which isn’t anything to celebrate.

The Brex for Startups Credit Card is the best option for startup owners who need the flexibility of high credit limits and instant approval without putting their own credit on the line. Instead, Brex determines credit lines based upon how much funding and equity a company has, as well as its spending patterns. Since Brex is geared toward startups, it offers the most generous points, as well as special deals, on expenses startups are likely to incur. Brex uniquely offers two rewards matrices and allows customers to choose between them as often as their needs change.

Rewards

Program 1:

• 7 points per dollar spent on rideshare
• 4 points per dollar on travel purchases booked through Brex
• 3 points per dollar on spending at restaurants
• 2 points per dollar on recurring software
• 1 point per dollar on all other purchases

Program 2:

• 7 points per dollar spent on remote collaboration tools
• 3 points per dollar on food delivery services through specialized services like DoorDash, UberEats and GrubHub
• 2 points per dollar on recurring software/SaaS
• 1 point per dollar on all other eligible spending

Rewards have no limit and never expire.

Annual Fee: $0

Bonus Offer: Instead of a traditional welcome bonus, Brex offers impressive bonuses with 15 partners, including Experian, HubSpot, Amazon Web Services, Google Ads, WeWork and more. These services include statement credits or discounts to subscriptions.

Other Benefits or Drawbacks: The Brex card comes with five additional employee cards for free, but any additional users, beyond those five, cost $5 per month—more than most competitor cards charge. Brex’s rewards system, however, is generous enough to earn those user fees back. The ability to move between rewards structures based on current business needs is a real plus and is unique in the credit card industry.

You can read our full review of the Brex Business Credit Card here.

If you mostly fly within the U.S. or to Mexico and the Caribbean, the Southwest Rapid Rewards program is worth racking up points in. Southwest Airlines lets two bags fly for free, which can help you keep costs down. Not only that, but the Southwest Rapid Rewards programs has one of the most generous cancellation and rebooking policies out there today, and flights can be downright cheap in cash or in miles. The Southwest Rapid Rewards® Premier Business Credit Card  could help you get started with this valuable loyalty program.

Rewards: Earn 2 Southwest points per dollar spent on Southwest purchases and 1 point per dollar on all other purchases.

Annual Fee: $99

Bonus Offer: Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open

Other Benefits and Drawbacks: The Southwest Rapid Rewards® Premier Business Credit Card is an excellent deal for the first year since you have the potential to earn a big welcome bonus. You’ll also get 6,000 miles as a cardmember bonus when you renew your card after the first year, but that may not be worth it for everyone.

After all, this card offers fairly lackluster earning rates. You’ll earn 2 points per dollar on Southwest purchases, but you’ll only earn 1 point per dollar on everything else you buy. With that in mind, you may be better off using a Chase Ultimate Rewards travel credit card that lets you earn a higher rate of rewards on select purchases and transfer your points to this airline at a 1:1 ratio.

This card does come with no foreign transaction fees, however, and you’ll get travel protections like lost luggage reimbursement, baggage delay insurance, extended warranties and purchase protection for no extra cost. With that in mind, it could be a long-term keeper if you want these protections and you spend a lot of money with Southwest Airlines each year.

The Wells Fargo Business Secured credit card is an ideal credit card for new businesses, and for good reason. This card not only serves companies and owners still working to establish credit, but it goes a lot further than a traditional credit card and offers generous perks. 

How it works: This credit card is secured, meaning the card will have a credit line based upon the amount deposited, which can range from $500 to $25,000 on this card. 

Rewards: Earn 1.5% cash back for every $1 spent on purchases, with no limit or earn one point on every $1 spent

Annual Fee: $25

Bonus Offer: Receive a one-time bonus of 1,000 bonus points when $1,000 or more is spent in any monthly billing period.

Other Benefits or Drawbacks: A secured credit card is a great way to build a credit history, but can be a challenge for companies low on start-up cash. Wells Fargo’s lowest requirement for collateral is a modest $500, and the company will periodically evaluate accounts to determine eligibility for an unsecured line.

Additionally, this card gives customers the option to choose between cash back or rewards. Wells Fargo rewards can be redeemed for a wide range of categories, including airline tickets, merchandise, TSA Pre✓ and more. Rewards points are currently valued at one and a half cents per point, but can fluctuate based upon category redemption. 

Additional perks of the Wells Fargo Business Secured card include a zero liability program, expense management tools, overdraft protection and automatic bill pay.

You can read our full review of the Wells Fargo Business Secured Credit Card here.

The Wells Fargo Business Elite Card card is great for larger businesses ($1 million in sales and up) looking to give employees cards. It also offers a healthy $1,000 cash welcome bonus. 

Rewards: Earn 1.5% cash back on every $1 spent or one point on every $1 spent

Annual Fee: $125 Annual fee (waived first year)

Bonus Offer: Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $25,000 in the first three months of account open date

Other Benefits or Drawbacks: This card is only for businesses with annual sales over $1 million. On the plus side, it has no foreign transaction fees and provides free cards for up to 200 employees, with spending controls, online reporting tools and more. 

Cardholders should be careful when considering enrolling in the rewards program. Typically, one reward point equals one cent, making the 100,000 bonus points worth $1,000. After the first year, the $125 fee would make the rewards program less valuable than the cashback option.

If you fly with United Airlines or other Star Alliance airlines frequently, it can make sense to get a co-branded United Airlines credit card for your business. With the United Business Card, you can earn an initial rush of bonus miles as well as miles for each dollar you spend on your card. You’ll also score frequent flyer perks including two United Club passes, priority boarding, a free checked bag and a 20% discount on select in-flight purchases. 

Rewards: Earn 2 United miles per dollar spent on taxis, mass transit, tolls and rideshare services as well as United purchases, gas stations, office supply stores and restaurants; earn 1 mile per dollar on all other purchases.

Annual Fee: $99

Bonus Offer: Earn 100,000 bonus miles after you spend $10,000 on purchases within the first 3 months of account opening, plus 2 United Club one-time passes after account opening

Other Benefits and Drawbacks: While United Airlines no longer offers an award chart, you should be able to use the bonus on this card for two round-trip domestic flights or one long haul international flight at a minimum. Also note that you can redeem United Mileageplus miles with other Star Alliance members like ANA, Asiana Airlines and Lufthansa. 

In addition to the generous bonus, the fact this card offers 2 United miles per dollar in so many categories can easily help you earn considerably more miles over time. Frequent flyer perks like a first free checked bag and priority boarding are just icing on the cake. 

As a final note, you’ll get 5,000 miles on your cardmember anniversary each year when you have a United business card and a personal United credit card.

If your business spends a lot on Amazon purchases, consider picking up the Amazon Business Prime American Express Card. This card lets you pick between a generous rewards rate on Amazon.com purchases or 90-day zero interest offer. This card doesn’t charge foreign transaction fees and you can use your points to shop for merchandise on Amazon.com. While there isn’t an annual fee, you do need to be an Amazon Prime member to apply.

Rewards: Earn 5% back on select Amazon.com purchases or 90 days with no interest on select purchases, 2% back at U.S. restaurants, U.S. gas stations and wireless services purchased directly from the provider and 1% back on all other purchases.

Annual Fee: $0

Bonus Offer: Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card. Plus, earn an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months

Other Benefits and Drawbacks: This card does offer a generous rate of return on Amazon.com purchases, but it’s severely lacking in terms of its welcome bonus. You’ll earn a $125 gift card when you’re approved for the card, but other than that, you can only earn another $100 statement credit if you spend $3,000 within the card’s 2% and 1% categories within the first three months.

Also note that you have to be an eligible Amazon Prime member to qualify for this card, and that Prime membership itself starts at $119 per year. To make the most of this card, you’ll want to make sure you can spend a lot in its 5% categories, which include Amazon Business, AWS, Amazon.com and Whole Foods Market purchases.