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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.
Show Me the CardsBusiness 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 party? 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.
The best starting point for any business owner. You’ll earn 3x 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.) Points transfer to United, Hyatt, and more.
Cell phone protection, primary rental car coverage, no foreign transaction fees
Flat 1.5x on everything, with no annual fee. It’s ideal as a companion to the Ink Preferred — use it for purchases that don't fall into a bonus category.
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 on your top two spending categories each month, from a list of six eligible categories (for the first $150,000 spent across these two categories, then 1x after that). For a real business, those categories rotate naturally with how you actually spend.
Up to $240 flexible business credit (distributed as $20 monthly statement credits), up to $155 Walmart+ credit (when used to pay the $12.95 monthly Walmart+ membership fee), no foreign transaction fees
Premium travel perks (Priority Pass, Global Entry credit) plus strong UR transfer partners. Makes sense if you're already in the Chase ecosystem.
Priority Pass, $300 travel credit*, primary rental car insurance, trip delay/cancellation coverage
*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 American Express Global Lounge Collection for eligible card members, up to $200 airline fee credit, up to $209 back per calendar year on your CLEAR+ membership (subject to auto-renewal), up to $120 statement credit for a Global Entry (or $85 for TSA PreCheck® through a TSA official enrollment provider) application fee every 4 years, complimentary hotel elite status, trip cancellation/delay coverage, no foreign transaction fees
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), no foreign transaction fees
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 4/21/2026. Terms apply.
