Top Business Credit Cards in the USA, Benefits & Usage in 2024

Top Business Credit Cards in the USA – Managing finances and maximizing rewards is crucial for success as a business owner. With numerous credit card options available, selecting the right one can be overwhelming. This post will explore the top business credit cards in the USA, highlighting their unique features, benefits, and rewards structures. Top Business Opportunities in Nigeria 

  1. Wells Fargo Signify Business Cash℠ Card

The Wells Fargo Signify Business Cash is a Top Business Credit cards in the USA Card which offers 2% cash back on all purchases, with no category restrictions or spending limits. This card is perfect for businesses seeking a hassle-free cash-back rewards program. Other essential benefits to users of this card include:-

  • You will earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first three months.
  • There is no limit to the amount of rewards you can earn.
  • No annual fee.
  • 0% intro APR for 12 months from account opening on purchases.
  • Priority Pass membership access to more than 1,300 participating airport lounges worldwide.
  • Worldwide Automatic Common Carrier Travel Accident Insurance.`
  • Master Rental Insurance Coverage.
  • Zero Liability Protection.
  • Autopay,
  • Account Alerts,
  • Digital Wallets,
  • Online Banking,
  • Redeem to account,
  • Redeem for travel and Redeem for gift cards.
  1. Capital One Venture X Business

The Capital One Venture X Business card is among the top Business Credit Cards in the USA designed for frequent travellers, providing 2X miles on all purchases and 5X miles on flights and hotels booked through Capital One. With a 50,000-mile bonus after spending $4,500 in the first 3 months, this card is perfect for businesses with high travel expenses. Nova Southeastern University Tuition Fees 

  • Annual $300 credit for bookings through Capital One Travel
  • No preset spending limit
  • No foreign transaction fees
  • Unlimited complimentary access to Capital One Lounges and 1,300+ global airport lounges
  1. . Bank Business Triple Cash Rewards World Elite Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers 3% cash back on eligible purchases in your top two categories, with no spending limits. This card is ideal for businesses seeking flexible reward categories. This particular card is outstanding and has other mouthwatering benefits attached to its users. Some of the key benefits are highlighted as follows:

  • 3% cash back on gas and EV charging stations, office supply stores, cell phone service providers and restaurants.
  • 1% cash back on all other eligible new purchases.
  • 5% cash back on prepaid hotel and car rentals booked directly in the Rewards Center.
  • 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.
  • $600 cash rewards upon signing up.
  • Travel accident insurance.
  • Trip cancellation or interruption insurance
  • Trip delay reimbursement.
  • Primary car rental insurance.
  • Extended warranty protection.
  • Cellphone protection.
  • Purchase protection.
  1. Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card provides unlimited 1.5% cash back on all purchases, with no category restrictions or spending limits. This card is perfect for businesses seeking a straightforward cash-back rewards program.

Ink Business Unlimited Credit Card Review 

  • New cardholders can earn a $750 bonus after spending $6,000 in the first three months.
  • Unlimited 1.5% cash back on all business purchases.
  • 0% intro APR for 12 months on purchases, then 18.49%–24.49% variable APR.
  • No annual fee.
  • 3% foreign transaction fees.
  • Travel accident insurance, trip cancellation or interruption insurance, trip delay reimbursement, primary car rental insurance, extended warranty protection, cellphone protection and purchase protection.
  • Employee cards at no additional cost.
  • 5% cash back on Lyft rides through March 2025.

Ink Business Unlimited Foreign Transaction Fees 

The Ink Business Unlimited has a foreign transaction fee of 3% of each transaction in U.S. dollars. If you’re looking for a Chase business credit card with no foreign transaction fees, you can consider:

  • Ink Business Preferred: Offers 100,000 bonus points after you spend $8,000 on purchases in the first 3 months
  • Ink Business Premier: Offers $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months

Chase Ink Business card 

  • Earn up to $750 bonus cash back.
  • Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.
  • 0% intro APR for 12 months from account opening on purchases, then 18.49%–24.49% variable APR.

Ink Business cash 

  • New cardholders can earn up to $750 bonus cash back.
  • 5% cash back on the first $25,000 spent in combined purchases annually at office supply stores and on internet, cable and phone services
  • 2% cash back on the first $25,000 spent in combined purchases annually at gas stations and restaurants
  • 1% cash back on all other purchases with no limit to the amount
  • 0% intro APR for 12 months from account opening on purchases, then 18.49%–24.49% variable APR.
  • No annual fee.
  • Employee cards at no additional cost.
  • Purchase protection, including cell phone protection, extended warranty protection and more.
  1. The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases, with no category restrictions or spending limits. This card is designed for new businesses, with a 0% intro APR for 12 months.

Annual Fee: There is no annual fee.

APR: 18.49% to 26.49% variable rate, based on your creditworthiness.

Cash Back: – 2% cash back on all eligible purchases of up to $50,000 per calendar year. 1% cash back on all eligible purchases after $50,000 per calendar year.

Expanded Buying Power:

The amount you can spend above your credit limit is flexible, so it adapts to your use of the Card, your payment history, your credit record, your financial resources, and other factors.

Offer: Earn a $250 statement credit after spending $5,000 in eligible purchases in the first 3 months.

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

American Express Blue Business Plus card 

  • Annual Fee: $0
  • Intro APR: 0% for 12 months from account opening on purchases, then 18.49%–26.49% variable APR.
  • Rewards Rate: 2X points on up to $50,000 in purchases per year, then 1X points.
  • Welcome Bonus: 15,000 points after spending $3,000 on purchases within the first three months from account opening.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Credit Score Needed: 670 or higher.

Amex Blue Business Plus 75K 

The Amex Blue Business Plus 75K refers to a targeted offer for the American Express Blue Business Plus Credit Card, which allows cardholders to earn 75,000 Membership Rewards points after spending $15,000 in purchases within the first 12 months. Cardholders also enjoy the following benefits. Google generation scholarship

  • No annual fee.
  • Earning rate of 2X Membership Rewards points on all purchases, up to $50,000 per calendar year.
  • 1X Membership Rewards points on all other purchases.
  • 0% APR on purchases for the first 12 months.
  • Expanded Buying Power, which allows you to spend above your credit limit.

American Business Blue Business cash  Card Limit 

American Express Blue Business Cash Card has no preset spending limit; however, the spending limit can vary depending on the following factors ¹

  • Use of the card
  • Payment history
  • Credit record
  • Financial resources
  • Other factors

It also has Expanded Buying Power, which allows cardholders to use their cards above their credit limit

5. Capital One Spark Cash Plus

The Capital One Spark Cash Plus offers unlimited 2% cash back on all purchases, with no preset spending limit. This card is perfect for businesses seeking a flexible rewards program with no spending limits.

Capital One Spark Cash Plus Review

  • The Capital One Spark Cash Plus offers a one-time cash bonus of $1,200 once you spend $30,000 in the first three months.
  • The card offers 2% cash back on all purchases with no limits or category restrictions, and 5% cash back on hotels and rental cars booked through Capital One Travel.
  • The card has no preset spending limit, so it can adapt to your needs based on your spending behaviour, payment history, and credit profile.
  • The annual fee is $150, but it will be refunded every year you spend at least $150,000.
  • Rewards won’t expire for the life of the account.
  • Cardholders can earn unlimited 2% cash back from their purchases, as well as from purchases made by employees.
  • There are no foreign transaction fees.
  • The balance must be paid in full every month, and late payments could result in dings to your personal and business credit scores.

Capital One Spark Cash Plus Limit

The Capital One Spark Cash Plus credit card has no preset spending limit. Instead, the amount you can spend will change over time based on your spending behavior, payment history, and credit profile. Other factors may also be considered. This means that the card can adapt to your needs, which makes it suitable for business owners who need to make many expenses.

Capital One Spark Cash Select Offers

  • 5% cash back on all purchases.
  • A one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • No annual fee.
  • No foreign transaction fees.
  • Emergency replacement and cash advance if your card is lost or stolen.
  • Itemized spending reports for easier budgeting and taxes.
  • Ability to assign an account manager for purchases, payments, and transactions.
  • Ability to download purchase records into multiple formats.
  • Safer online payments.

Capital One Spark Login

You can log in to your Capital One Spark Business account by following these steps.

  • Go to the Capital One sign-in page.
  • Enter your username and password.
  • Click on “Sign In” to access your account.
  • From your account, you can view your account balance, pay bills, transfer money and more. Login

Capital One Business Credit card

Business Credit Cards offered by Capital One includes:-

  • Venture X Business: Offers 150,000 bonus miles once you spend $30,000 in the first three months.
  • Spark Cash Plus: Offers a cash bonus of $1,200 once you spend $30,000 in the first three months.
  • Spark 2% Cash Back Business Card: Offers unlimited 2% cash back on every purchase.
  • Venture X Business Card: Offers unlimited 2X miles on every purchase.
  • Spark 1.5% Cash Back Business Credit Card: Offers unlimited 1.5% cash back for your business on every purchase.
  1.  The Business Platinum Card® from American Express

The Business Platinum Card® from American Express offers 5X points on flights and hotels booked through Amex, with a $200 airline fee credit and a $100 credit towards Global Entry or TSA PreCheck. This card is designed for luxury business travel.

The American Express Business Platinum Card offers several benefits, including:-

  • $189 CLEAR Plus Credit for security clearance.
  • Fine Hotels + Resorts Program for perks like daily breakfast and 4 pm check-out.
  • Fee Credit for Global Entry or TSA PreCheck.
  • No foreign transaction fees.
  • Marriott Bonvoy Gold Elite status.
  • Hilton Honors Gold status.
  • Premium car rental privileges.
  • Platinum Travel Service for custom itineraries.
  • Trip Delay Insurance and Trip Cancellation and Interruption Insurance.
  • Points redemption for gift cards, flights, and more through the Membership Rewards program.

American Business Express Gold

  • Earn 70,000 points after spending $10,000 in eligible purchases on the Business Gold Card in the first three months.
  • Earn 4X Membership Rewards points on the 2 categories where your business spends the most in each billing cycle from 6 categories.
  • No preset spending limit.
  • Essential features and benefits for your business.
  • Cell phone protection.
  • $240 Flexible Business Credit
  • $155 Walmart+ Membership Credit
  • Pay Over Time

Amex Platinum Business Vs Personal

Here are key similarities and differences between the Amex Platinum and the Amex Business Platinum cards:-

Similarities:

  • Both cards have an annual fee of $695.
  • Both cards earn Membership Rewards points with access to the same transfer partners.
  • Both cards have lounge access, elite hotel status and no foreign transaction fees.
  • Both cards offer up to $200 credit for airline fees and up to $189 annual statement credit for a CLEAR®.
  • Both cards offer travel and shopping protections.

Differences:

  • The Amex Platinum card offers 80,000 Membership Rewards points after spending $8,000 on eligible purchases within the first six months of card membership, while the Amex Business Platinum card offers 150,000 bonus Membership Rewards points after you spend $20,000 on eligible purchases in your first three months of card membership.
  • The Amex Platinum card offers a prepaid hotel booking credit, Uber credit, Saks Fifth Avenue credit, digital entertainment credit and Equinox credit, while the Amex Business Platinum card offers a 35% airline point bonus, Dell statement credit, Adobe statement credit, Indeed credit and monthly wireless credits.
  • The Amex Platinum card earns 5 points per dollar on airfare purchased directly with airlines, while the Business Platinum card is great for business owners who regularly make large purchases with the card.

American Express Business Card

American Express offers a variety of business credit cards,

  • Business Gold Card:

– 4X Membership Rewards points on the two categories where your business spends the most each billing cycle.

– Up to $395 annual statement credits.

– Flexible spending capacity with no preset spending limit.

– Pay Over Time Option with interest.

– 3X points on flights and prepaid hotels booked through.

– Available in Rose Gold.

Other offerings include:

– Business Blueprint: cash flow management.

– Business Checking: earn Membership Rewards points.

– One AP: automate accounts payable process.

Amex Platinum Benefits

The American Express Platinum Card offers several benefits,

  • Lounge Access: Complimentary access to more than 1,400 airport lounges.
  • Fine Hotels + Resorts: Complimentary benefits and room upgrades at luxury properties.
  • Concierge: 24/7 travel and lifestyle concierge services.
  • Hotel Elite Status: Complimentary upgrade to elite tiers of hotels’ loyalty programs.
  • Travel Credit: Annual credit for air ticket purchases.
  • Dining Credit: Credit for dining at participating restaurants.
  • Entertainment Credit: Credit for entertainment expenses.
  • Travel Insurance: Complimentary travel insurance.
  • Rewards Points: Elevated Membership Rewards program with points. Transferable to airline partners.
  • Airport Lounge Access: Access to 1,400+ airport lounges across 140 countries.
  • Amazon Prime Subscription Credit: Credit for monthly or annual Amazon Prime subscription.
  1. Ramp Card

The Ramp Card is also a Business Credit card in the USA that offers 1.5% cash back on all purchases, with no category restrictions or spending limits. This card is designed for corporate businesses, with customizable rewards programs and expense management tools.

Ramp Card is a corporate card and expense management platform designed for businesses. It offers a range of features, including:-

  • Unlimited 1.5% cash back on all purchases.
  • No fees or interest.
  • Real-time expense tracking and reporting.
  • Customizable spending limits and approvals.
  • Integration with accounting software like QuickBooks and Xero
  • Mobile app for easy expense tracking and receipt upload.
  • Virtual cards for online purchases.
  • Physical cards for in-person purchases.
  • Rewards and benefits tailored to business needs.

Ramp Card aims to provide a simple, transparent, and cost-effective alternative to traditional corporate cards and expense management solutions.

  1. IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card is among Business Credit Cards in the USA  ideal for businesses that frequently stay at IHG hotels, offering 10X points on IHG purchases and a free night stay after spending $10,000 in a calendar year.

IHG One Rewards Premier Credit Card 

Below are the essential details IHG One Rewards Premier Credit Card

  • New card members can earn 140,000 bonus points after spending $3,000 on purchases in the first three months.
  • Cardholders can earn up to 26 times the points for purchases at IHG hotels and resorts.
  • Cardholders also get 5X points for travel, dining and gas stations and 3X points for all other purchases.
  • Platinum Elite Status comes with the card, which can be used to earn points toward free nights.
  • No foreign transaction fees are charged on this card.
  • Travel protection includes trip cancellation, travel accident insurance and lost luggage reimbursement.
  • Purchase protection includes coverage for damage or theft and extended warranty protection.
  • Fraud protection is also included, and cardholders can be notified of unusual purchases by text, email or phone call.

Chase IHG Credit Card

  • Cardholders can earn up to 26 times the points for purchases at IHG hotels and resorts.
  • Cardholders also get 5X points for travel, dining and gas stations and 3X points for all other purchases.
  • Platinum Elite Status comes with the card, which can be used to earn points toward free nights.
  • No foreign transaction fees are charged on this card.
  • Travel protection includes trip cancellation, travel accident insurance and lost luggage reimbursement.
  • Purchase protection includes coverage for damage or theft and extended warranty protection.
  • Annual fee is $99.
  1. United℠ Business Card

Here are some details about the United℠ Business Card.

  • New cardholders can earn 75,000 bonus miles after $5,000 worth of qualifying purchases in the first three months.
  • 7x miles are earned on United flights and 2x miles on other United purchases, dining and hotel stays.
  • 2x miles are earned at gas stations, office supply stores and on local transit and commuting.
  • 1x mile is earned on all other purchases.
  • Cardholders get access to United Club, 2 United Club one-time passes per year and a free first-checked bag.
  • Cardholders also get 25% back on United in-flight and Club premium drink purchases and a $100 United travel credit.
  • The annual fee is $0 for the first year and $99 for the following years.
  • Variable APR is 21.99%–28.99%.
  1. U.S. Bank Business Altitude

The U.S. Bank Business Altitude™ Connect World Elite Mastercard® offers 5X points on travel and shipping, with a 50,000-point bonus after spending $5,000 in the first 3 months. This card is designed for businesses with high travel and shipping expenses.

For The Future

We have carefully evaluated the factors you should consider before choosing a business credit card in the USA, you can optimize your rewards earnings, streamline expenses, and drive growth for your company. All the cards reviewed in this post are Top Business Credit Cards in the USA.

Each of these top business credit cards offers unique reward structures and benefits, catering to various business needs and expenses.

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