Best Business Credit Cards for 2019

Looking for the business credit card that will offer you the best rewards for purchases you routinely make? There are a wide range to choose from that let you earn while you spend. Maybe you travel often and want to earn free miles, spend on office supplies and want cash back or want reward points for all of your purchases. Whichever is the case, there’s a card for you.

Business owners need to do their research. Here we have chosen our five best business credit cards for 2019 to help you come up with the best fit for you.

Spark Miles from Capital One

The Spark Miles business rewards credit card has an annual fee of $59 (waived for the first year). You earn two times the miles on every purchase you make for your business. The rewards never expire and there is no limit to the amount you are able to accumulate. The miles can be redeemed in a number of ways including as cash back, making travel-related purchases or through gift cards.

Additionally, the enrollment offer gives you 50,000 bonus miles when you spend $4,500 on purchases within the first three months of having the card.

Other benefits include free employee cards, no foreign transaction fees, purchase security and extended protection.

Spark Cash from Capital One

The annual fee for this cash-back rewards card is $59 (waived for the first year).

As for rewards, you earn 2% cash back on all purchases for your business. Rewards never expire, there are no caps on them and they can be redeemed as gift cards, travel or cash back.

When opening a Spark Cash credit card account, you can get a bonus of $500 if you spend $4,500 within the first 90 days.

Other benefits include no foreign transaction fees, travel and emergency assistance and an auto rental collision damage waiver.

Business Platinum Card from American Express

This is a charge card with an annual fee of $450. You are required to pay your balance in full each month.

Points are earned as follows.

  • On purchases under $5,000, you earn one point for each dollar spent.
  • On purchases of $5,000 or more, you earn 1.5 points per dollar spent.
  • Book your travel through the American Express® travel website and you earn two points per dollar spent.

Note there is a cap of 1 million points per year.

As for promotions, if you spend $10,000, you receive 50,000 membership reward points. If you spend an additional $10,000 within your first three months of having the card, you earn another 25,000 points. Points are worth one cent when used on travel and 0.6 cents when redeemed for gift cards or as a credit on your statement.

In addition to points, some of the other benefits include a $200 airline fee credit, a 50% airline bonus, access to a range of global airport lounges, car rental, free Boingo internet, no foreign transaction fees and a concierge service. This is a great card for frequent travelers.

Chase Ink Cash Card

This cash-back rewards credit card has no annual fee and an introductory APR of 0% for the first 12 months.

It offers the following rewards:

  • 5% cash back on purchases at office supply stores or those linked to mobile phones, cable TV, internet and landlines up to $25,000.
  • Earn  2% on purchases of gas and dining out up to $25,000.
  • Earn 1% back on all other purchases with no limit.

Points can be used for travel, gift cards or cash back.

The enrollment bonus for the Chase Ink Cash Card gives you $300 cash back if you make $3,000 worth of purchases in the first 90 days of opening your account.

Other benefits include employee cards at no additional cost, purchase protection, lost luggage reimbursement, and travel accident insurance.

Review and compare more business credit cards

Each of these cards provides rewards, enrollment bonuses and other benefits. Once you determine what your needs are, you can compare these cards and other offers at to our business credit card page. It has reviews and the information you need on annual fees, interest rates, introductory rate offers and other key comparisons.