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Business Categories Overview

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Business Cards are credit cards designed specifically with the businesses in mind.  They often provide cash back on business items, as well as support systems built specifically for businesses to manage their expenses.  Additionally, the best cards won't charge for additional cards for y our employees.  These cards are a great tool to help earn free trips for your employees or cut costs in the store room.

There are a number of great business cards on the market that cater to specific business profiles - for instance, the Chase Ink Plus card provides fantastic travel benefits for your reps. Many Business Cards will also offer an easy interface to analyze precisely how you're spending money, so you can gain actionable insights from your company spending habits using the card.  We've laid out the benefits of each business card to make it easiest for you to find the right one for you.

Chase Ink Bold Business Charge Card

Chase Ink Bold Business Charge Card
Preferred
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  • Earn 50,000 bonus points after you spend $5,000 in the first 3 months
  • No interest charges because it's a pay in full charge card
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • Transfer points at full value to participating travel programs
  • Direct access to a live service advisor 24/7

Spark Miles Business Credit Card

Spark Miles Business Credit Card
Preferred
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  • Earn 2 miles per dollar on every purchase, every day
  • Get 10,000 bonus miles - just spend $1,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • Enjoy exclusive, award-winning customer service

Ink Cash Business Credit Card

  • Earn $200 bonus cash back after spending $3,000 in first 3 months 
  • 5% cash back on the first $25,000 spent annually on common operational necessities 
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 6 months on purchases and balance transfers
  • No annual fee

Spark Select Business Credit Card

  • Save money—pay off purchases over time with our lowest intro APR
  • Pay no annual fee—spend money on your business, not on your card
  • Earn travel rewards—earn 1 mile per dollar on all purchases
  • Fly on any airline with no blackout dates or seat restrictions
  • Enjoy no annual fee

Citi Executive / AAdvantage World Elite MasterCard

  • Admirals Club® membership privileges for you and your immediate family 
  • 10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases in the first 4 months of cardmembership
  • Enhanced airport experience
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases 
  • Earn 1 AAdvantage® mile per $1 spent on all other purchases

Spark Classic Business Credit Card

  • Build business credit with responsible use with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
  • Reedem your cash rewards at anytime 
  • Separate business expenses from personal expenses
  • Enjoy no annual fee

Discover Business Miles Card

  • Double Miles on your first $5,000 in gas and travel each year
  • Double Miles through our exclusive online shopping mall
  • 1 Mile for every $1 you spend on all other purchases
  • Unrestricted travel booked through any airline, travel agent or online travel site

Citi / AAdvantage American Express Card

  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases in the first 4 months of cardmembership
  • Redeem your AAdvantage® miles for award travel on American Airlines, American Eagle and the AmericanConnection® carrier for as little as 25,000 AAdvantage® miles
  • No blackout dates on award travel on American Airlines, American Eagle and the AmericanConnection® carrier
  • No Preset Spending Limit

Citi Platinum Select / AAdvantage World MasterCard

  • 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months 
  • Your first checked bag is free
  • Priority Boarding with Group 1 privileges
  • 25% savings on eligible in-flight purchases 
  • $100 American Airlines Flight Discount every cardmembership year with qualifying purchases
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • Earn 10% of your redeemed AAdvantage® miles back

Discover It for Business Miles Credit Card

  • 0% intro APR on purchases for 6 months
  • Industry-leading Miles Rewards Program
  • Double Rewards for Shopping through Discover Mall
  • Unrestricted Travel Booking

OPEN SimplyCash Business Card

  • 5% cash back at U.S. office supply stores
  • 5% cash back on services from U.S. wireless telephone service providers
  • 3% cash back on gasoline at U.S. stand-alone gas stations
  • 1% cash back on other eligible purchases
  • Purchases above $12,000 in each category per reward year will earn only 1% cash back

Discover It for Business Credit Card

  • Competitive Cash Back Rewards
  • 0% Introductory APR on all purchases for 6 months
  • Earn 5-20% cash back by shopping with Discover Online
  • No Annual Fee

CitiBusiness / AAdvantage World MasterCard

  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases in the first 3 months of card membership 
  • Great creature comforts
  • Double Miles on American Airlines purchases
  • Renew your annual card membership and earn a 5% AAdvantage mileage bonus based upon eligible purchases made during the cardmembership year
  • Additional employee cards at no additional cost

Spark Cash Select Business Credit Card

  • Get a 50% bonus on the cash back you earn throughout the year
  • Earn 1% cash back on every purchase, every day
  • Redeem your cash rewards anytime
  • There's no limit to the amount of cash you can earn
  • Cash rewards don't expire

Spark Cash Business Credit Card

  • Earn 2% cash back on every purchase, every day
  • Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • Enjoy award-winning small business customer service

Spark Miles Select Business Credit Card

  • Get a 50% bonus on the miles you earn throughout the year
  • Earn 1 mile per dollar on every purchase, every day
  • Fly on any airline with no blackout dates or seat restrictions
  • There's no limit to the amount of miles you can earn
  • Miles don't expire

Ink Classic Business Card

  • Reward yourself with 20,000 bonus points after you spend $3,000 in the first 3 months 
  • Earn 5X points per dollar on the first $25,000 spent annually in select business categories
  • Redeem points for travel, experiences, gift cards, merchandise, and more through Ultimate Rewards
  • Free Additional cards for your employees
  • 0% Intro APR for the first 6 months on purchases and balance transfers 
  • No Annual Fee

OPEN Business Gold Rewards Card

  • 3X points on airfare
  • 2X points on purchases in the U.S. for advertising in select media, gasoline at U.S. stand-alone gas stations, and shipping
  • 1X points on other purchases
  • Points are earned only on eligible purchases. Bonus points limitations apply.
  • Earn points even faster to get more rewards for your business

American Express Centurion Card AKA the Black Card

  • The Amex Centurion, AKA the Black Card, is made from anodized titanium.
  • It's a charge card with no interest rate (since you must pay off the balance in full each billing period), no pre-set spending limit, and no foreign transaction fees. 
  • Requires a one-time initiation fee of $5,000 and a $2,500 annual fee – the highest fees of any credit card on the market.
  • Earns Membership Rewards points, one point per dollar spent.
  • Includes numerous exclusive, concierge-style perks like guaranteed tables at three-star restaurants, priority bookings at luxury hotels, and invitations to private cultural events.
  • In order to maintain Centurion membership, a cardholder is expected to make and pay off at least $250,000 worth of purchases a year.

Discover Business Card

  • 5% Cashback Bonus on your first $2,000 in office supplies and 2% on your first $2,000 in gas each year
  • 5% to 20% Cashback Bonus through our exclusive online shopping mall
  • Cashback Bonus® means real cash rewards on every purchas
  • Free Employee Cards with real-time customizable spending limits
  • Complete fraud protection with a $0 fraud liability guarantee and 24/7 fraud monitoring

CitiBusiness ThankYou Card

  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership
  • Earn 3 ThankYou® points for every $1 spent on eligible business categories
  • Earn 1 ThankYou® point for every $1 spent