Geeky Insights:

Best Business Credit Cards - June 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

Best for: Big Travel Perks + lounge access

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Overall Rating:
(4.1/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 100% - 100% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.1)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
100% - 100%
Rewards Rate
1 - 5 points / $1
Rewards Bonus
75,000 points
Reward Details:
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
Geeky Insight:
+ SHOW MORE DETAILS

Best for: No Annual Fee + Cash Back Rewards

Discover it® Business Card

Discover it® Business Card

Overall Rating:
(4.7/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: 5%
  • Regular APR: 12.99% - 20.99% (Variable Rate)
Compare Card Apply Now on Discover Bank's website
Overall Rating
(4.7)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
12.99% - 20.99%
Rewards Rate
1.5% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn unlimited 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.
Geeky Insight:
  • Download transactions easily into Quicken, QuickBooks, and Excel.
  • Add employee cards with spending limits and earn rewards for all their purchases.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Fraud Protection and Free Social Security Number Alerts.
+ SHOW MORE DETAILS

Best for: high flat-rate rewards + introductory 0% APR

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Overall Rating:
(4.0/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: N/A
  • Regular APR: 13.24% - 19.24% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.0)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
13.24% - 19.24%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
None
Reward Details:
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • Terms Apply
Geeky Insight:
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
+ SHOW MORE DETAILS

Best for: Southwest Loyalist + bonus points after your cardmember anniversary

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Overall Rating:
(4.9/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Regular APR: 15.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Chase's website
Overall Rating
(4.9)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
40,000 points
Reward Details:
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
Geeky Insight:
  • No foreign transaction fees.
+ SHOW MORE DETAILS

Best for: High rewards rate

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Overall Rating:
(4.6/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.6)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
3 - 12 points / $1
Rewards Bonus
125,000 points
Reward Details:
  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.
Geeky Insight:
+ SHOW MORE DETAILS

Best for: Frequent American Airlines travelers

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Overall Rating:
(4.5/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 15.99% - 24.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.5)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.99% - 24.99%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
70,000 miles
Reward Details:
  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Geeky Insight:
  • No Foreign Transaction Fees
+ SHOW MORE DETAILS

Best for: Businesses that want ongoing rewards

Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

Overall Rating:
(4.9/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.9)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
2 - 6 points / $1
Rewards Bonus
75,000 points
Reward Details:
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
Geeky Insight:
+ SHOW MORE DETAILS

Best for: High rewards rate + no annual fee

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Overall Rating:
(4.8/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: N/A
  • Regular APR: 13.24% - 19.24% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.8)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
13.24% - 19.24%
Rewards Rate
1 - 2% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • Terms Apply
Geeky Insight:
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
+ SHOW MORE DETAILS

Best Business Credit Cards Recap

Overall Rating

Best For

Rewards Bonus

Rewards Rate

Annual Fee

(4.1)

Big travel perks + lounge access

75,000 points
1 - 5 points / $1
$595
(4.7)

No annual fee + cash back rewards

None
1.5% Cash Back
$0
(4.0)

High flat-rate rewards + introductory 0% APR

None
1 - 2 points / $1
$0
(4.9)

Southwest loyalist + bonus points after your cardmember anniversary

40,000 points
1 - 2 points / $1
$99
(4.6)

High rewards rate

125,000 points
3 - 12 points / $1
$95
(4.5)

Frequent American Airlines travelers

70,000 miles
1 - 2 miles / $1
$0
(4.9)

Ongoing rewards in different categories + big intro bonus

75,000 points
2 - 6 points / $1
$125
(4.8)

High rewards rate + no annual fee

None
1 - 2% Cash Back
$0

OTHER GEEKY PICKS

From Our Editors

Best for: Delta Loyalist With No Annual Fee

The Delta SkyMiles® Platinum Business American Express Card gets you a free checked bag each time you fly Delta. You also get 20% back on certain in-flight purchases, including food, alcoholic beverages and entertainment. If you’re prone to spending money on such things, these perks will certainly help you save. But since those costs probably pale in comparison to everyday spending categories such as gas and groceries, you shouldn’t overestimate the importance of these benefits.

Best Business Credit Cards of June 2020

Gain some clarity on the best business credit cards with our geeky insight.

Best for: Big Travel Perks + lounge access

Rewards Rate

1 - 2 points / $1

Rewards Bonus

75,000 points

Annual Fee

$595

Rewards Details:

  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply

Geek Point Of View:

Best for: No annual fee + cash back rewards

Rewards Rate

1.5% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Earn unlimited 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.

Geek Point Of View:

APPLY ON THE LINK BELOW:

Best for: High flat-rate rewards + introductory 0% APR

Rewards Rate

1 - 2 points / $1

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • Terms Apply

Geek Point Of View:

Best for: Frequent Southwest Flyers

Rewards Rate

1 - 2 points / $1

Rewards Bonus

40,000 points

Annual Fee

$99

Rewards Details:

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.

Geek Point Of View:

Best for: Business Owners who travel + High rewards rate

Rewards Rate

3 - 12 points / $1

Rewards Bonus

125,000 points

Annual Fee

$95

Rewards Details:

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.

Geek Point Of View:

Best for: Frequent American Airlines flyers

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

70,000 miles

Annual Fee

$0

Rewards Details:

  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

Geek Point Of View:

Best for: Ongoing rewards in different categories + big intro bonus

Rewards Rate

2 - 6 points / $1

Rewards Bonus

75,000 points

Annual Fee

$125

Rewards Details:

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.

Geek Point Of View:

Best for: High rewards rate + no annual fee

Rewards Rate

1 - 2% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • Terms Apply

Geek Point Of View:

When you apply for a business credit card, is approval based on your personal credit score?

Coming soon…

What is a business credit score?

Coming soon…