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We looked at your welcome survey answers, and we are picking up what you’re putting down. You run a business. You travel when work demands it, but you want the trips to count for something beyond the expense report.
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Business credit cards earn points on the same purchases you're already making: travel, advertising, shipping, software, meals. The difference is that business cards earn at higher rates on those categories, and the welcome offers are wayyyy larger than personal cards.
The best part? You don't need a corporation or an LLC to get a biz card. Sole proprietors and freelancers qualify. Your Social Security number works as your business ID.
You're newer to business cards, or your monthly business spend is on the lower end. These cards have achievable minimums and strong ongoing earn rates.
For a very low annual fee, you’ll earn 3x points on travel, shipping, advertising, and internet/cable (per $1 on the first $150,000 spent on total purchases for these categories each year, then 1x per $1 after.). While it doesn't have some of the luxury benefits of some of the more premium cards, the beauty in this card is the simplicity and points-earning power. Your points transfer to Chase's strong suite of travel partners, including United, Hyatt, Aeroplan, Flying Blue, and more.
Cell phone protection, primary rental car coverage, no foreign transaction fees
In our opinion, this card is the best starting point for any business owner. You'll earn a flat 1.5% cash back on everything, with no annual fee. Easy-peasy. It’s ideal as a companion to the above Ink Preferred. Use the Business Unlimited for purchases that don't fall into a bonus category, and combine points earned from both cards for max earning potential.
Purchase protection, extended warranty, no annual fee
Your business spending is real and consistent. These cards reward that volume with larger welcome offers and richer category bonuses.
Earns 4x points on your top two (out of six) spending categories where your business spends the most each month. 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). Only the top 2 categories each billing cycle will count towards the $150,000 cap. For a real business, those categories rotate naturally with how you actually spend.
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business (subject to auto-renewal), up to $155 Walmart+ credit (when used to pay the $12.95 monthly Walmart+ membership fee, excluding Plus Ups, subject to auto-renewal)
While the minimum spending to earn the welcome offer is pretty hefty, in return, you'll earn a hefty chunk of points as well. Plus, you'll get access to premium travel perks (lounge access, trusted traveler benefits), tons of useful statement credits (including the easiest-to-use travel credit in the biz), and Chase's suite of strong transfer partners. Like any premium card, this card is best if you'll utilize all of the credits and benefits.
Complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership, up to $120 statement credit for Global Entry, TSA PreCheck®, or NEXUS (every four years), $300 annual travel credit*, $500 annual hotel credit through The Edit by Chase Travel (up to $250 biannual, 2-night minimum required), primary rental car insurance, trip delay/cancellation coverage, business-focused statement credits
*note: you do not earn points on travel purchases until this credit is exhausted
The premium business card for frequent travelers. The absurd amount of statement credits and luxury perks make this card worthwhile at high spend levels.
Access to the Global Lounge Collection, up to $200 airline credit per calendar year, $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection1 bookings through American Express Travel (minimum of two-night stay), up to $219 CLEAR+ credit, either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, and many more luxury and business credits
You have significant monthly business spending. At this level, the ongoing perks more than offset the annual fees.
With 2x miles earned on every purchase, this is the best card for high-volume business spenders who want flexibility. The $300 annual travel credit for bookings made through Capital One Business Travel and 10,000 anniversary miles effectively cut the fee to under $100. Capital One miles transfer to 15+ travel partners.
$300 annual travel credit, 10,000 anniversary miles, lounge access (Priority Pass and Capital One lounge network), up to a $120 credit for Global Entry or TSA PreCheck®
Our recommended business cards earn transferable points — such as Chase Ultimate Rewards, Amex Membership Rewards, or Capital One miles — that you can send to airline and hotel partners. That means more flexibility, not less. A hotel upgrade on a work trip. A flight upgrade on a personal one. Or a free ticket somewhere you've been putting off.
The strategy doesn't need to be complicated. Earn the points on spending that's already happening. Redeem them for travel you were going to book anyway.
DISCLOSURE TEXT
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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Daily Drop may earn a commission if you apply for and are approved for a card through links on this page. Our editorial recommendations are based on independent analysis, not issuer direction. Welcome offer amounts, minimum spend requirements, and terms are subject to change; verify all details on the card issuer’s website before applying. Points valuations are estimates and will vary based on how you redeem. Card details are current as of 8/3/2026. Terms apply.
