There are many ways to generate credit card points including putting your organic spending on credit cards, utilizing buying groups, and credit card sign-up bonuses. Another way you may not think of is to apply for some of the best small business credit cards on the market. You may not think you’re a business owner but it’s highly likely you can qualify with just a little bit of creativity.

What I appreciate about business credit cards in the travel credit card rewards game is how lucrative the signup bonuses and earning structures on these cards are. In some cases, you can earn more than 100,000 bonus points after meeting the minimum spending requirement. In addition, you can continue earning points by aligning your business credit card spending with the bonus categories on these cards. With this context, let’s highlight the best small business credit cards you can consider applying for next.

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Best Small Business Credit Cards

Amex Blue Business Plus

• Earning Structure: 2X Amex Membership Rewards points on all purchases
• Annual Fee: $0
• Details: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

American Business Gold

• Earning Structure: 4X points in your top 2 categories each billing cycle: (1) airfare booked directly with the airline; (2) U.S. advertising; (3) U.S. computer hardware, software, and cloud computing purchases; (4) U.S. gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) U.S. restaurants; and (6) U.S. shipping services
• Annual Fee: $0
• Details: Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months of c card membership

Amex Business Platinum

• Earning Structure: 5X points on flights and prepaid hotels on amextravel.com, and 1.5X points at US construction material & hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million of these purchases per calendar year.
• Annual Fee: $695
• Details: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your card within the first 3 months of card membership

Capital One Spark Miles for Business

• Earning Structure: 2X Spark miles on all purchases
• Annual Fee: $95
• Details: Earn a 50,000 miles bonus when you spend $4,500 in the first 3 months

Chase Ink Business Cash

• Earning Structure: 5% cash back on the first $25,000 spent each account anniversary year on combined purchases at office supply stores; internet, cable, and phone services
• Annual Fee: $0
• Details: Earn $900 cash back after spending $6,000 in the first 3 months from account opening

Chase Ink Business Preferred

• Earning Structure: 3X points on the first $150,000 spent in combined purchases each account anniversary year shipping; social media and search engine advertising; travel; internet, cable, and phone services
• Annual Fee: $95
• Details: Earn 100,000 bonus points after spending $15,000 in the first 3 months from account opening

Chase Ink Business Unlimited

• Earning Structure: 1.5% cash back on all purchases
• Annual Fee: $0
• Details: Earn $900 cash back after spending $6,000 in the first 3 months from account opening

Hyatt Business Credit Card

• Earning Structure: 4X points on Hyatt purchases, 2X points on fitness club and gym memberships
• Annual Fee: $199
• Details: Earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening

Common Best Small Business Credit Cards Questions

Can you use an EIN to get a credit card?

You can apply for a corporate card with just an EIN and approval is determined by your company’s financial history and business credit score per this article.

What is a good credit score for a business credit card?

You need a credit score of 700 or higher to get the best business credit cards per this article.

Can my small business get a credit card?

Business owners can qualify for a small business credit card by providing their business and personal information and undergoing a credit check to get approved per this article.

Do you need an LLC for a business credit card?

You don’t have to have a registered LLC or corporation in order to apply for a business credit card per this article.

Conclusion on the Best Small Business Credit Cards

Amex Blue Business Plus, American Business Gold, Amex Business Platinum, Capital One Spark Miles for Business, Chase Ink Business Cash, Chase Ink Business Preferred, Chase Ink Business Unlimited, and Hyatt Business Credit Card are some of the best small business credit cards on the market today.

What are your best small business credit cards? Please let me know in the comments or by sending me an email on my contact page.

Disclaimer: If you click and sign up for a credit card through certain links on this site or any of my related social media platforms, I may make a commission from that click-through.  The editorial content on this page and the user comments are not provided by any of the companies mentioned and have not been reviewed, approved, or otherwise endorsed by any of these entities. The opinions expressed here are mine alone.