Top Business Credit Cards Compared
The right business credit card separates personal and business expenses while earning rewards on your biggest spending categories. Here are the top picks for small business owners.
| Feature | Chase Ink Business Preferred Chase | Amex Blue Business Plus American Express |
|---|---|---|
| Annual Fee | $95 | $0 |
| APR | 21.24% - 26.24% | 18.49% - 26.49% |
| Sign-Up Bonus | 90,000 points after $8,000 spend in 3 months | 15,000 points after $3,000 spend in 3 months |
| Base Rewards | 1x on all purchases | 2x on all purchases (up to $50k/yr) |
| Top Categories | 3x travel, shipping, internet, phone, advertising (up to $150k/yr) | 2x on first $50k per year, then 1x |
| Foreign Tx Fee | $0 | $0 |
| Credit Needed | Good - Excellent (700+) | Good (670+) |
Pros & Cons
Chase Ink Business Preferred
Pros
- +Massive 90,000 point sign-up bonus
- +3x on key business categories
- +Points transfer to travel partners
- +Cell phone protection
Cons
- -$95 annual fee
- -$150k annual cap on 3x categories
- -Employee cards earn at lower rate
Amex Blue Business Plus
Pros
- +2x on everything up to $50k
- +No annual fee
- +Pairs with Amex ecosystem
- +No foreign transaction fees
Cons
- -$50k annual cap on 2x
- -Lower sign-up bonus
- -Amex acceptance less universal
Our Recommendation
For most small businesses, the Chase Ink Business Preferred offers the best mix of sign-up bonus and category earning. For no-fee simplicity, the Ink Business Unlimited is a strong choice.