Best Small Business Credit Cards for 2024
Owl Banking reviewed dozens of credit cards to find the BEST credit cards for your small business. These cards will help you save money through cash back for monthly purchases at key suppliers, earn points while traveling for work, gain access to airport lounges for convenient workspaces while traveling, and more!
American Express® Business Gold Card
Sign-Up Bonus
100,000 pts
Sign-Up Bonus Requirements
Spend $15,000 within 3 months
Annual Fee
$375
Rewards Rate
1x-4x points
Key Features
→ 100,000 points sign-up bonus
→ Earn 4x points in the 2 select categories that you spend the most, 3x points on all American Express Travel purchases (flights and hotels) and 1x points on all other purchases
→ Up to $395 in value for credits to select office supply stores and Walmart
→ $375 Annual Fee
Chase Ink Business Preferred
Sign-Up Bonus
100,000 points
Sign-Up Bonus Requirements
Spend $8,000 within 3 months
Annual Fee
$95
Rewards Rate
1x-3x points
Key Features
→ 100,000 points sign-up bonus
→ Earn 3x points on the first $150,000 of purchases each year on shipping, select advertising, internet, phone, cable, and travel, and 1x cash back on all other purchases
→ No foreign transaction fees
→ $95 Annual Fee
Hilton Honors American Express Business Card
Sign-Up Bonus
130,000 pts
Sign-Up Bonus Requirements
Spend $6,000 within 6 months
Annual Fee
$195
Rewards Rate
3x-12x points
Key Features
→ 130,000 points sign-up bonus
→ Earn 12x points at all participating Hilton hotels and 5x points on all other purchases.
→ Qualify for Hilton Gold Status (80% bonus on Base Points) and opportunity to upgrade to Diamond Status
→ Priority Pass™ Select, with access to over 1,200 airport lounges in over 130 countries
→ $195 Annual Fee
Southwest Rapid Rewards® Performance Business
Sign-Up Bonus
80,000 pts (+9k/yr)
Sign-Up Bonus Requirements
Spend $5,000 within 3 months
Annual Fee
$199
Rewards Rate
1x-4x points
Key Features
→ 80,000 pts sign-up bonus and $9,000 anniversary points
→ Earn 4x pts on all Southwest purchases, 3x pts on Rapid Rewards hotel and car rentals partners, 2x points on social media, search engine advertising, phone, internet, cable, rideshare, and other services, and 1x pts on all other purchases
→ 4 upgraded boardings per year, up to 365 inflight Wifi credits, and up to $100 for Global Entry, TSA PreCheck® or NEXUS fee credits
→ Employee cards at no additional cost
→ Free checked bags and no change fees
→ No foreign transaction fees
The Business Platinum Card®
Sign-Up Bonus
250,000 pts
Sign-Up Bonus Requirements
Spend $20,000 within 3 months
Annual Fee
$695
Rewards Rate
1x-5x points
Key Features
→ 250,000 points sign-up bonus
→ Earn 5x points on all American Express Travel purchases (flights and hotels), 1.5x points on eligible business categories, and 1x points on all other purchases
→ Access to the American Express Global Lounge® Collection, including 1,400+ airport lounges in over 500 airports around the world.
→ $1,200+ in value for credits to Dell, Indeed, CLEAR® Plus, Adobe, qualifying airlines
→ $695 Annual Fee
Chase Ink Business Premier
Sign-Up Bonus
$1,000 cash back
Sign-Up Bonus Requirements
Spend $10,000 within 3 months
Annual Fee
$195
Rewards Rate
2-2.5% cash back
Key Features
→ $1,000 cash bank sign-up bonus
→ Earn 2.5% cash back on every purchase of $5,000 or more, and 2% cash back on all other purchases
→ No foreign transaction fees
→ $195 Annual Fee
Marriott Bonvoy Business® American Express® Card
Sign-Up Bonus
3 Free Nights
Sign-Up Bonus Requirements
Spend $6,000 within 6 months
Annual Fee
$125
Rewards Rate
2x-6x points
Key Features
→ 3 free night awards sign-up bonus
→ Earn 6x points at all participating Marriott Bonvoy hotels, 4x points at restaurants, U.S. gas stations, and U.S. wireless phone providers, and 2x points on all other purchases.
→ Qualify for Marriott Bonvoy Gold Elite Status, room rate discounts, and 1 Free Night Award each anniversary
→ $125 Annual Fee
The Blue Business® Plus Credit Card
Sign-Up Bonus
50,000 pts
Sign-Up Bonus Requirements
Spend $3,000 within 3 months
Annual Fee
$0
Rewards Rate
1x-2x points
Key Features
→ 50,000 points sign-up bonus
→ Earn 2x points on all purchases in the first year and 1x points thereafter.
→ 0.0% introductory APR on purchases for 12 months from the date of account opening.
→ No Annual Fee