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Best Credit Cards for Business Owners

Many people tend to instinctively respond with a "no" to this question, often because they lack a physical storefront or their business isn't their sole source of income. However, the truth is, most of us can be considered some form of business owner. Do you sell items on Facebook Marketplace, drive for Uber, babysit, walk dogs, or mow your neighbor's lawn? If so, you're a business owner, plain and simple.

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As a business owner, your opportunities to apply for and accumulate a substantial number of points expand significantly. What's more, there are fantastic credit cards available with zero annual fees that can yield a wealth of points for your future travel endeavors! And yes, you can even have multiple business cards for a single business.

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 To, the better news, after 2 years of receiving your welcome bonus, most Chase business cards allow you to product change or close the account and receive a brand new welcome bonus once more. 

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Out of the numerous business cards available, I focus on those that have no annual fees since I prefer earning points without spending much. I've also included the Southwest Performance Business card because it's crucial for getting the travel companion pass. By investing less than $300 overall, you can travel and bring a companion for free.

Chase Ink Business Preferred

Southwest Rapid Rewards Performance Business Card

Southwest Rapid Rewards Performance Business Card

Exclusive Offer for New Cardmembers Grab an impressive 120,000 bonus points when you spend $8,000 on purchases within the first 3 months from the date of opening your account. This equates to a value of $1,000 in cash back or an even more rewarding $1,250 when redeemed through Chase Ultimate Rewards®.


Key Features

  • Reward your business gener

Exclusive Offer for New Cardmembers Grab an impressive 120,000 bonus points when you spend $8,000 on purchases within the first 3 months from the date of opening your account. This equates to a value of $1,000 in cash back or an even more rewarding $1,250 when redeemed through Chase Ultimate Rewards®.


Key Features

  • Reward your business generously with versatile and substantial rewards. Earn an exceptional 3X points on shipping and select business categories.
  • Annual Percentage Rate (APR) Benefit from a variable APR ranging between 21.24% and 26.24%.
  • Annual Membership Fee A modest annual fee of $95.

Learn more

Southwest Rapid Rewards Performance Business Card

Southwest Rapid Rewards Performance Business Card

Southwest Rapid Rewards Performance Business Card

Exclusive Offer for New Cardmembers Acquire a generous 80,000 points when you spend $5,000 on purchases within the first 3 months of your account opening.


Key Features 

  • Maximize your rewards with 4X points on Southwest® purchases and 2X points on select business category purchases. Additionally, enjoy 9,000 bonus anniversary points each yea

Exclusive Offer for New Cardmembers Acquire a generous 80,000 points when you spend $5,000 on purchases within the first 3 months of your account opening.


Key Features 

  • Maximize your rewards with 4X points on Southwest® purchases and 2X points on select business category purchases. Additionally, enjoy 9,000 bonus anniversary points each year.
  • Annual Percentage Rate (APR) Benefit from a variable APR between 21.49% and 28.49%.† (See detailed pricing and terms).
  • Annual Membership Fee A $199 annual fee, applied to your first billing statement

Chase Ink Business Unlimited

Southwest Rapid Rewards Performance Business Card

Chase Ink Business Unlimited

New Cardmember Bonus Receive a generous $750 in cash back rewards when you make $6,000 in purchases within the initial 3 months of opening your account.


Key Features

  • Enjoy unlimited 1.5% cash back rewards on every purchase made for your business.
  • What's more, this credit card comes with no annual fee.

Annual Percentage Rate (APR)

  • Benefit from 

New Cardmember Bonus Receive a generous $750 in cash back rewards when you make $6,000 in purchases within the initial 3 months of opening your account.


Key Features

  • Enjoy unlimited 1.5% cash back rewards on every purchase made for your business.
  • What's more, this credit card comes with no annual fee.

Annual Percentage Rate (APR)

  • Benefit from a 0% introductory APR for the first 12 months on your purchases, starting from the account opening.
  • After the introductory period, your APR will be in the range of 18.49% to 24.49% variable.

Learn more

Chase ink business cash

American Express Business Platinum Card

Chase Ink Business Unlimited

New Cardmember Bonus Receive a generous $750 in cash back rewards when you make $6,000 in purchases within the initial 3 months of opening your account.


Key Features

  • Earn a remarkable 5% cash back in specific business categories.
  • Additionally, you'll accumulate rewards for every business-related purchase you make.
  • The best part? This credit c

New Cardmember Bonus Receive a generous $750 in cash back rewards when you make $6,000 in purchases within the initial 3 months of opening your account.


Key Features

  • Earn a remarkable 5% cash back in specific business categories.
  • Additionally, you'll accumulate rewards for every business-related purchase you make.
  • The best part? This credit card comes with no annual fee.

Annual Percentage Rate (APR)

  • Enjoy a 0% introductory APR for the first 12 months on your purchases, starting from the account opening.
  • After the introductory period, your APR will be in the range of 18.49% to 24.49% variable.

Learn more

American Express Business Plus

American Express Business Platinum Card

American Express Business Platinum Card

  • Zero Annual Fee
  • Earn 15,000 Membership Rewards®Points after you spend $3,000 in purchases on your Card in your first 3 months.
  • Intro APR 0% introductory on purchases for 12 months from the date of account opening. 
  • Earn 2X points on All Eligible Purchases, up to $50K

Learn more

American Express Business Platinum Card

American Express Business Platinum Card

American Express Business Platinum Card

 Sure, here are the key details of the American Express Business Platinum Card summarized:

New Card Members receive a Welcome Offer of up to 300,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first 3 months.
- Earning Rates: 5X points on flights and prepaid hotels through amextravel.com; 1.5X points on 

 Sure, here are the key details of the American Express Business Platinum Card summarized:

New Card Members receive a Welcome Offer of up to 300,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first 3 months.
- Earning Rates: 5X points on flights and prepaid hotels through amextravel.com; 1.5X points on eligible business purchases and transactions over $5,000 (up to $2 million per year); 1X point on other purchases.
- Annual Fee:$695.
- Travel Benefits: $200 airline fee credit, Global Lounge Collection access, Fine Hotels & Resorts benefits, Hilton Honors and Marriott Bonvoy Gold Status.
- Business Perks: Up to $400 in Dell Technologies credits, up to $360 in wireless and shipping credits, and up to $150 in Adobe Creative Solutions credits annually.
- **Travel Protections and Additional Benefits:** Trip delay and cancellation insurance, baggage insurance, Global Entry/TSA Pre✓® fee credit, no foreign transaction fees, and 24/7 customer support. 

Learn more

American Express Business Gold Card

American Express Business Gold Card

American Express Business Gold Card

 The American Express Business Gold Card offers flexible rewards earning on business spending, useful travel protections, and valuable expense management tools, making it a solid choice for business owners looking to maximize their rewards.

- Welcome Offer up to 150,000 Membership Rewards® points after spending $10,000 on eligible purchas

 The American Express Business Gold Card offers flexible rewards earning on business spending, useful travel protections, and valuable expense management tools, making it a solid choice for business owners looking to maximize their rewards.

- Welcome Offer up to 150,000 Membership Rewards® points after spending $10,000 on eligible purchases in the first 3 months.
--Earning Rates: 4X points on the 2 categories where your business spends the most each billing cycle from a list of 6 (up to $150,000 in combined purchases annually); 1X point on other purchases.
- Annual Fee: $375.
- Travel and Business Benefits: No foreign transaction fees, trip delay insurance, and baggage insurance.
- Membership Rewards Program: Transfer points to over 20 airline and hotel loyalty programs; use points for travel, gift cards, or statement credits.
 

Learn more

Unlock the full potential of your business spending!

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