7 Business Credit Cards the Entreprenista Community Loves

Business credit cards can help your company in various ways. One of the top benefits is that they allow you to earn rewards you can reinvest in your business. Beyond that, many also unlock benefits like rental car coverage, statement credits, and even airport lounge access. While the value can be immense, getting the most out of a card hinges on choosing the right one for your needs. 

At Entreprenista, we’re dedicated to supporting every stage of your business journey through top-tier resources, media opportunities, and our community. Since credit cards can play such an important role in business growth, we’ve surveyed our members to uncover those they trust and rely on most. Whether you’re looking for a low-cost card to start earning rewards or a premium card with all the perks, read on to find an Entreprenista-approved option below!

1. Chase Ink Business Cash® Credit Card 

TLDR: The perfect card for bootstrapped entrepreneurs who want to get the most out of every dollar spent. 

Key card specs: 

• Annual fee: $0
• ‍Welcome promos: 
  
  • Promo APR: 0% intro APR on purchases for 12 months, then the variable APR will be 17.24% to 25.24%
  • Welcome offer: Earn $900 in cash back after you spend $6,000 on purchases within the first three months
• APRs:
  
  • Purchase APR: 17.24% to 25.24%, variable
  • Balance transfer APR: 17.24% to 25.24%, variable
  • Cash advance APR: 28.99%, variable
• Other fees:
  
  • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater
  • Cash advance fee: $15 or 5% of the advance amount, whichever is greater
  • Foreign transaction fee: 3% of the amount
  • Late payment fee: $40

Rewards:

• Earn 5% cash back on the first $25,000 you spend per year on purchases at office supply stores and on internet, cable, and phone services 
• Earn 2% cash back on the first $25,000 you spend per year on purchases at gas stations and restaurants
• Earn 1% cash back on all other purchases

Notable benefits:

• Employee cards: Free employee cards and the ability to set customized limits.
• Auto rental coverage: Up to $60,000 in primary coverage when renting vehicles with an MSRP of $125,000 or less for business purposes.
• Roadside assistance: Roadside emergency service.
• Purchase protection: Covers new qualifying purchases against damage and theft for 120 days and up to $10,000 per item.
• Extended warranty: Extend the manufacturer’s warranty by an additional year. 
• Payment plans: Break up purchases into payments with fixed fees. 

Why Entreprenistas will love it:

The Chase Ink Business Cash card offers a great deal of value, and all without an annual fee. You can earn 5% cash back (up to $1,250 per year) on purchases at office supply stores and with various service providers (cable, internet, and phone). Plus, you can earn 2% cash back (up to $500 per year) on purchases at gas stations and restaurants, and 1% back on everything else. 

A $900 cash back bonus is also available if you spend $6,000 in the first three months of having the card, which is real money you can use to cover business expenses. Then, the 12-month, 0% intro APR on purchases provides some breathing room if you need to finance expenses during the first year. Free employee cards and built-in auto and purchase benefits only sweeten the deal.

This is the main card we’ve used at Entreprenista since day one of bootstrapping the company. We love the cash back rewards and always reinvest them in our business. 

2. Chase Ink Business Unlimited® Credit Card

TLDR: Best for simple, flat-rate rewards on all business purchases. No categories, no reward caps, just steady cash back whenever you swipe your card. 

Key card specs: 

• Annual fee: $0
• Welcome promos: 
  
  • Promo APR: 0% intro APR on purchases for 12 months, then a variable rate of 17.24% to 23.24% will apply
  • Welcome offer: Earn $900 in cash back after you spend $6,000 on purchases within the first three months
• APRs:
  
  • Purchase APR: 17.24% to 23.24%, variable
  • Balance transfer APR: 17.24% to 23.24%, variable
  • Cash advance APR: 28.99%, variable
• Other fees:
  
  • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater
  • Cash advance fee: $15 or 5% of the advance amount, whichever is greater
  • Foreign transaction fee: 3% of the amount
  • Late payment fee: $40

Rewards:

• Earn 1.5% cash back on all business purchases 

Notable benefits: 

• Employee cards: Free employee cards and the ability to set customized limits.
• Auto rental coverage: Up to $60,000 in primary coverage when renting vehicles with an MSRP of $125,000 or less for business purposes.
• Roadside assistance: Roadside emergency service.
• Purchase protection: Covers new qualifying purchases against damage and theft for 120 days, up to $10,000 per item.
• Extended warranty: Extends the manufacturer’s warranty by an additional year. 
• Payment plans: Break up purchases into payments with fixed fees.

Why Entreprenistas will love it:

At first glance, the Chase Ink Business Unlimited’s rewards might appear underwhelming. However, the 1.5% cash back on all purchases is worth considering since most credit cards (especially those with no annual fee) tend to only pay 1% cash back on all purchases. 

Pair this with a card like the Chase Ink Business Cash card, and you can maximize rewards on high-earning categories while still earning a competitive rate on the rest of your business purchases. And if you spend $6,000 in the first three months, you’ll unlock $900 cash back, which can offer a little boost to your cash flow. 

3. Capital One Spark 2% Cash

TLDR: A good pick for founders earning steady revenue who want flat, no-fuss 2% cashback that can add up fast. 

Key card specs: 

• Annual fee:  $95, $0 for the first year
• Welcome promos: 
  
  • Promo APR: None
  • Welcome offer: Earn a $1,000 cash bonus after you spend $10,000 on purchases within the first 3 months
• APRs:
  
  • Purchase APR: 24.99%, variable
  • Balance transfer APR: 24.99%, variable
  • Cash advance APR: 30.99%, variable
• Other fees:
  
  • Balance transfer fee: None
  • Cash advance fee: $5 or 5% of the advance amount, whichever is greater
  • Foreign transaction fee: None
  • Late payment fee: $39

Rewards:

• 5% cash back on hotels and rental cars booked through Capital One 
• 2% cash back on all other business purchases 

‍

Notable benefits:

• Employee cards: Free employee cards and the ability to set customized limits. 
• Roadside assistance: Get help with roadside emergencies that require towing, tire changes, and jumpstarts. 
• Extended warranty: Extend the warranty on items you purchase with your card. 

Why Entreprenistas will love it:

Capital One’s Spark 2% Cash card has an annual fee of $95 after the first year, but the value can quickly outweigh the cost. You’ll earn 5% cash back on hotels and rental cars booked through Capital One (great for those who take frequent business trips), and a competitive 2% cash back on all other business purchases. The 2% cash back on all purchases stands out, as many cards offer just 1% on miscellaneous purchases. New cardholders can also earn a $1,000 cash bonus after spending $10,000 in the first three months. Plus, employee cards are free, and with no foreign transaction fees, you can shop abroad without racking up extra costs. 

4. Capital One Spark 2X Miles for Business

TLDR: Best for the entrepreneur who travels often and wants a low-cost card that accumulates miles and travel perks.

Key card specs: 

• Annual fee: $95, $0 for the first year
• Welcome promos: 
  
  • Promo APR: None
  • Welcome offer: Earn 50,000 miles after you spend $4,500 on purchases within the first three months
• APRs:
  
  • Purchase APR: 24.99%, variable
  • Balance transfer APR: 24.99%, variable
  • Cash advance APR: 30.99%, variable
• Other fees:
  
  • Balance transfer fee: None
  • Cash advance fee: $5 or 5% of the advance amount, whichever is greater
  • Foreign transaction fee: None
  • Late payment fee: Up to $39

Rewards:

• 5x miles on hotels and rental cars booked through Capital One
• 2x unlimited miles on all business purchases

Notable benefits:

• Employee cards: Free employee cards and the ability to set customized limits. 
• Hertz Five-Star Status: Enjoy a wider selection of rental cars and skip the counter at select locations. 
• Trusted Traveler Program credit: Get a credit of $120 for TSA PreCheck or Global Entry every four years. 
• Lifestyle Collection benefits: When you book a hotel from the Lifestyle Collection, enjoy early check-ins, $50 experience credits, late checkouts, room upgrades, and more. 

Why Entreprenistas will love it:

If you like the last card but would rather earn miles than cash, the Capital One Spark 2x Miles for Business is a solid pick. You’ll earn 5x miles on hotels and rental cars booked through Capital One and 2x miles on all other business purchases. This card makes it easy to earn travel rewards without worrying about categories. 

You can also earn 50,000 miles after spending just $4,500 on purchases within the first three months, which is a nice way to jumpstart your miles balance. Plus, the free employee cards and no foreign transaction fees will make it easy to grow your team and spend abroad, while the extra travel benefits help you stretch your miles further.

5. American Express® Business Gold Card

TLDR: A great pick for entrepreneurs who want travel perks, credits, and flexible rewards that adapt to their spending habits. 

Key card specs: 

• Annual fee: $375 for the initial card, $95 for the first five employee cards, and then $95 per card after that
• Welcome promos: 
  
  • Promo APR: None
  • Welcome offer: As high as 100,000 points after you spend $15,000 on purchases within three months (welcome offers vary; you must apply to find out if you qualify)
• APRs:
  
  • Purchase APR: 17.99% to 28.74%, variable
  • Balance transfer APR: None
  • Cash advance APR: None
• Other fees:
  
  • Balance transfer fee: None
  • Cash advance fee: None
  • Foreign transaction fee: None
  • Late payment fee: $39 or 2.99% of a past due or pay in full amount, whichever is greater

Rates and fees

Rewards:

• 4x points on up to $150,000 in purchases per year from the two categories where your business spends the most each billing cycle, from the following six:
  
  • U.S. media providers for advertising in select media
  • U.S. purchases from software and cloud system providers or electronic goods retailers
  • U.S. purchases at restaurants
  • U.S. purchases at gas stations
  • U.S. transit purchases
  • U.S. monthly wireless telephone service charges
• 3x points on flights and prepaid hotels booked on AmexTravel.com
• 1x points on all other eligible purchases

Notable benefits:

• Up to $395 in annual credits: Up to $20 per month in credits for purchases at FedEx, GrubHub, and office supply stores, and a $12.95 credit for a Walmart+ monthly membership.
• Benefits at the Hotel Collection: Get $100 hotel credits and room upgrades when you book multiple-night stays with the Hotel Collection through AmexTravel.com. 
• Luggage insurance: When luggage is lost, damaged, or stolen during a trip, get reimbursed for up to $1,250 per carry-on and $500 per checked bag, up to $10,000 per trip.

Auto rental coverage: Secondary coverage for damage and theft when renting vehicles for business purposes is available. 

• Trip delay insurance: Get reimbursed for up to $300 per trip if a trip is delayed more than 12 hours for covered reasons. 

Why Entreprenistas will love it:

The American Express Business Gold is a premium-tier card with a lineup of rewards and benefits that can make it a profitable investment year after year. 

You’ll get 4x points on up to $150,000 in annual spending across the two categories where your business spends the most each month. That flexibility means your rewards adapt to your business habits instead of locking you into fixed categories. Plus, you’ll get 3x points on all the flights and prepaid hotels you book through AmexTravel.com. Add in travel perks, a large welcome offer, purchase protections, and valuable annual credits, and this card can more than pay for itself. 

Tip: For Entrepreneurs who leverage digital advertising to drive sales for their business, this is an excellent choice to use, as you can earn 4x points on those purchases (up to $150,000).

Toni Toomey, Entreprenista member and Founder of Honeysuckle, says this is her favorite business credit card for a variety of reasons. Most notably, the 100,000-point welcome offer after spending $15,000 in the first three months. She also likes that the points are transferable to several airline partners, and the bonus categories make earning pretty easy. 

6. Chase Sapphire Reserve for Business℠ 

TLDR: The perfect card for frequent traveling high earners who want competitive rewards and premium perks.

Key card specs: 

• Annual fee: $795
• Welcome promos: 
  
  • Promo APR: None
  • Welcome offer: Earn 200,000 points after you spend $30,000 on purchases within the first six months
• APRs:
  
  • Purchase APR: 18.24% to 26.24%, variable
  • Balance transfer APR: None
  • Cash advance APR: None
• Other fees:
  
  • Balance transfer fee: None
  • Cash advance fee: $15 or 5% of the transaction amount, whichever is greater
  • Foreign transaction fee: None
  • Late payment fee: $40 or 2% of the payment amount, whichever is greater

Rewards:

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides through 9/30/27
• 4x points on directly booked flights and hotels
• 3x points on social media and search engine advertising purchases
• 1x points on all other purchases

Notable benefits:

• Employee cards: Free employee cards and the ability to set customized limits.
• Over $2,500 in annual value: Get annual credits for travel, stays with The Edit, Lyft, Google Workspace, and more. 
• Airport lounge access: Get access to Chase Sapphire Lounges and 1,300+ lounges available with a Priority Pass Select membership.
• Auto rental coverage: Up to $75,000 in primary coverage when renting vehicles for business purposes.
• Baggage delay insurance: When baggage is delayed over six hours, you can get reimbursed up to $100 per day for up to five days.
• Lost luggage reimbursement: When luggage is lost, damaged, or stolen during a trip, get reimbursed for up to $3,000 per traveler.
• Comprehensive travel protection: Get emergency evacuation coverage, emergency medical and dental coverage, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. 

Why Entreprenistas will love it:

The Chase Sapphire Reserve packs serious perks for business owners on the move. You can earn 8x points by booking travel through Chase Travel, the highest reward rate on this list. Plus, Lyft rides earn you 5x points through September 2027, and direct bookings of flights and hotels earn you 4x points. 

But it’s not all about travel. Entreprenistas investing in social media and search engine ads will appreciate earning 3x points in those categories. And the welcome bonus is also impressive: 200,000 points after spending $30,000 in the first six months.

Add in $2,500+ in annual value and all the travel benefits, and this card can earn you far more than its annual fee will cost you. 

7. The Business Platinum Card® from American Express

TLDR: Best for high-earning entreprenistas who want elite travel benefits, serious earning potential, and thousands in annual credits. 

Key card specs: 

• Annual fee: $895
• Welcome promos: 
  
  • Promo APR: None
  • Welcome offer: As high as 200,000 points after you spend $20,000 in purchases within the first three months (welcome offers vary; you must apply to find out if you qualify)
• APRs:
  
  • Purchase APR: 17.99% to 28.74%, variable
  • Balance transfer APR: None
  • Cash advance APR: None
• Other fees:
  
  • Balance transfer fee: None
  • Cash advance fee: None
  • Foreign transaction fee: None
  • Late payment fee: $39 or 2.99% of any past due or Pay in Full amount, whichever is greater

Rates and fees

Rewards:

• 5x points on flights booked through AmexTravel.com and prepaid hotels booked through American Express Travel. 
• 2x points on cruises, AmexTravel.com purchases, purchases of $5,000 or more, and up to $2 million of eligible purchases from the following business types:
  
  • U.S. construction material and hardware suppliers
  • U.S. electronic goods retailers and software and cloud system providers U.S. shipping providers
• 1x points on other eligible purchases. 
• 35% airline bonus (up to 1,000,000 points per year) if you use Pay with Points for flights booked through Amex Travel 

‍

Notable benefits:

• Employee cards: Employee cards with no annual fee are available.
• Over $3,500 in annual value: Annual value includes credits for hotels, airline fees, CLEAR Plus, Indeed, Adobe, Dell Technologies, and more. 
• Airport lounges: Gain access to Centurion Lounges, Priority Pass Select lounges, and other select partner lounges, plus 10 Delta Sky Club visits.   
• Premium hotel member status: Enjoy Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status.
• Auto rental coverage: Secondary coverage for damage to or theft of a rental vehicle in covered territory.
• Trip insurance: Get reimbursed for non-refundable expenses when a trip is canceled or interrupted, up to $10,000 per trip and $20,000 per card every 12 months. Plus, get up to $500 in reimbursements for an eligible trip that is delayed more than six hours for covered reasons.
• Baggage insurance: Coverage for up to $2,000 for checked baggage (and up to $3,000 for both checked and carry-on baggage) per traveler, up to $10,000 per trip. 

Why Entreprenistas will love it:

The Business Platinum Card from American Express stands out for its high annual value of over $3,500, competitive travel rewards, and niche reward categories. While the credits and perks can justify the annual fee on their own, you’ll get the most out of the card if you frequently book travel through American Express and spend large amounts on construction materials, hardware, electronics, software, or shipping.

On top of that, the bonuses are hefty. You can get a welcome bonus as high as 200,000 points if you spend $20,000 within the first three months. Then, a 35% airline bonus (up to 1,000,000 points per year) is available if you pay with points when booking flights through AmEx Travel. 

In short, the Business Platinum card is a great fit for jet-setting founders who travel frequently for work and want to travel comfortably. If you find yourself working from the airport every month, this card is for you. 

Finding the Right Card For Your Business

Every Entreprenista’s journey looks different, and so do your business expenses and needs. Finding a good-fit card comes down to figuring out where you spend the most, which perks you’ll actually use, and how much you want to invest right now. That may lead you to start with a competitive no-annual-fee card, invest in a premium card loaded with travel and lifestyle perks, or even stack multiple cards that maximize returns on different expenses. 

When reviewing your business expenses, be sure to consider how much you spend in different categories, along with whether any of your purchases could be covered by card member benefits. While annual fees can be off-putting at first, they can quickly be offset when you’re actually using a card’s perks. 

I’d love to hear which card you pick, and I’m also here if you need a sounding board when making your choice. You can send me an email at courtney@entreprenista.com or DM me on our community platform. 

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Offer details are accurate as of the publication date, but may change at any time.