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13 Best Business Credit Cards in December 2024

Lauren NicholsonWritten by
Lauren Nicholson
Written by
Glen Luke Flanagan
Edited by
Robin Ratcliff
Edited by
Julie Sherrier
Updated on:
Content was accurate at the time of publication.
We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Whether your business is well-established or just getting off the ground, you can use a business credit card to achieve your goals and improve your bottom line. Our picks for the best business credit cards can help you turn everyday expenses into cash back, offset a big purchase with a sign-up bonus and build business credit. You can even use small business credit cards to get travel perks like car rental insurance or airport lounge access on your next business trip.

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.
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Best small business credit cards in December 2023

Winner - best small business credit card

Ink Business Preferred® Credit Card

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
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on Chase's secure site

1x – 3x points
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR20.74% - 26.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Valuable sign-up bonus
  • Flexible Ultimate Rewards® points
  • Rewards on common business purchases
  • Travel and purchase protections
  • Additional employee cards at no extra cost
  • Annual fee
  • Requires excellent credit for approval

The Ink Business Preferred® Credit Card is our pick for the best small business credit card. It earns rewards on common business purchases and offers travel and purchase protections. Plus, it also comes with a competitive sign-up bonus valued at $1,000 ($1,250 if you redeem the points for travel through Chase’s travel portal). Earning and redeeming flexible Ultimate Rewards points will help you offset the card’s $95 annual fee.

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Small business credit card for new business

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card The American Express Blue Business Cash™ Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
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on American Express's secure site
Rates & Fees
|Terms Apply

1 – 2% cash back

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back is redeemable for statement credits.

Intro Purchase APR0% on purchases for 12 months from date of account opening
Annual FeeNo annual fee
Regular Purchase APR17.74% - 25.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • Automatic cash back rewards
  • Intro APR
  • Purchase protection¹
  • Flexible credit limit for large expenses
  • Cap on rewards earnings
  • Low welcome offer compared to other business cards
  • Foreign transaction fees

The American Express Blue Business Cash™ Card is our pick for best credit card for new businesses. If you’re strapped for cash while you get your business up and running, you’ll love earning cash back rewards on every purchase. Plus, redeeming your rewards is easy — you can apply your cash back as a statement credit.

Along with no annual fee, there’s also a welcome offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. It also offers an introductory APR — you’ll get 0% on purchases for 12 months from date of account opening. After that, the APR is 17.74% - 25.74% variable.

*To see rates & fees for The American Express Blue Business Cash™ Card, please click here.
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • 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.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply

Easiest small business credit card to get

FNBO Business Edition® Secured Mastercard® Credit Card*

FNBO Business Edition® Secured Mastercard® Credit Card FNBO Business Edition® Secured Mastercard® Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

0.3
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on First National Bank Of Omaha's secure site

High credit limit

Get approved for a high credit limit based on how much you put in your security deposit.

Intro Purchase APRN/A
Annual Fee$39
Regular Purchase APR25.99%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-660
Limited / Poor / Fair
Get Your Free Credit Score
  • Customize your credit limit
  • Earn interest on your security deposit
  • Car rental insurance
  • Annual fee
  • Security deposit required
  • Foreign transaction fee

The FNBO Business Edition® Secured Mastercard® Credit Card is easy to get, since it’s accessible to business owners with limited / poor / fair credit. Cardholders must submit a security deposit that will serve as 110% of their credit line and pay a $39 annual fee. With regular, on-time payments, small business owners can boost their credit score and apply for one of the unsecured cards on this list.

  • Credit limit up to $100,000
  • $39 annual fee
  • 25.99% APR
*The information related to the FNBO Business Edition® Secured Mastercard® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – no personal guarantee

Ramp Visa Corporate Card*

Ramp Visa Corporate Card Ramp Visa Corporate Card
Learn More
on Celtic Bank's secure site

1.5% cash back

1.5% cash back on all card spend.

Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APRN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • No personal credit check or guarantee
  • $0 annual fee
  • Cash back on every purchase
  • Access to accounting and expense management software
  • Stringent approval process
  • Must pay off card in full every month

Cash back rewards and access to best-in-class accounting software make the Ramp Visa Corporate Card the best business credit card without a personal guarantee. It’s an excellent choice if you’re an established business owner and want a high-level overview of your spending — just make sure you can afford to pay off the card in full every month.

However, because it’s a corporate credit card and doesn’t require a personal guarantee, the Ramp Visa Corporate Card has stricter eligibility requirements than the other cards on this list.

  • Earn 1.5% cash back on every purchase
  • No annual fee, card replacement fees, late fees or interest
  • Unlimited corporate cards
  • Actionable insights and reporting, including a dashboard for company expenses
  • Automated accounting
*The information related to the Ramp Visa Corporate Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – balance transfer

U.S. Bank Business Platinum Card*

U.S. Bank Business Platinum Card U.S. Bank Business Platinum Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
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N/A. After that, a 17.24% to 26.24% APR applies.

N/A. After that, a 17.24% to 26.24% APR applies.

Intro Purchase APR0% intro APR on purchases for 18 billing cycles
Annual Fee$0
Regular Purchase APR17.24% to 26.24%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Long intro APR for balance transfers and purchases
  • No rewards program
  • Foreign transaction fees
  • Limited benefits

If you need time to pay off debt on another business credit card, consider applying for the U.S. Bank Business Platinum Card. This card has a N/A — one of the longest intro APRs on the market for a business credit card. It can give you breathing room to pay off the card and build your business credit. After the intro period, the APR on balance transfers is 17.24% to 26.24%.

Pro tip: The U.S. Bank Business Platinum Card also offers a 0% intro APR on purchases for 18 billing cycles, making it a solid choice for business owners who need to finance a big-ticket item. After the intro period, the APR on purchases is 17.24% to 26.24%.
  • Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24% to 26.24%.
  • U.S. Bank Business Platinum Card
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
  • Great Offer from U.S. Bank, a 2024 World's Most Ethical Company® - Ethisphere Institute
  • Terms and conditions apply
*The information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business travel card

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

1x – 5x points
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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 per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Intro Purchase APRN/A
Annual Fee$695
Regular Purchase APR18.74% - 27.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $1,000+ worth of credits for travel and business purchases
  • Valuable welcome offer
  • Access to world’s largest network of airport lounges
  • Travel protections
  • $695 annual fee
  • Limited acceptance compared to Visa and Mastercard

We recommend The Business Platinum Card® from American Express for frequent business travelers who want great benefits and travel credits. More than $1,000 in travel and business credits make this card worth its steep $695 annual fee for frequent flyers. However, those who only travel occasionally should consider other business travel cards.

*To see rates & fees for The Business Platinum Card® from American Express, please click here.
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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 per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Small business credit card – cash back + 0% intro APR

Ink Business Unlimited® Credit Card

Ink Business Unlimited<sup>®</sup> Credit Card Ink Business Unlimited<sup>®</sup> Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Chase's secure site

1.5% cash back

Earn unlimited 1.5% cash back on every purchase made for your business.

Intro Purchase APR0% Intro APR on Purchases for 12 months
Annual Fee$0
Regular Purchase APR17.99% - 23.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Cash back on all purchases
  • Intro APR on purchases
  • Valuable sign-up bonus
  • $0 annual fee
  • Additional employee cards at no extra cost
  • Foreign transaction fees
  • Requires good / excellent credit for approval

The Ink Business Unlimited® Credit Card is best for small business owners looking for a card with flexibility, a simple rewards structure and an intro APR. You’ll earn unlimited 1.5% cash back on every purchase made for your business, so you won’t have to worry about different earning categories or spending caps.

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Small business gas credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*

Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
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1 – 3% cash back

Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

Intro Purchase APR0% Introductory APR on purchases for the first 9 billing cycles
Annual Fee$0
Regular Purchase APR17.99% - 27.99% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Sign-up bonus
  • Customizable cash back
  • Foreign transaction fees
  • Spending cap on highest cash back rate

Our pick for best business gas credit card is the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. You’ll earn a high rate of cash back on the first $50,000 you spend in the category of your choice, including gas. Plus, this card is worth keeping in your wallet for other business expenses, since you’ll earn cash back on every purchase.

  • Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases. 
  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. 
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. 
  • No annual fee 
  • Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire. 
  • To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same. 
  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% - 27.99% Variable APR will apply. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card - fair credit

Capital One Spark Classic for Business*

Capital One Spark Classic for Business Capital One Spark Classic for Business
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
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Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Fair
Get Your Free Credit Score
  • Qualify with fair credit
  • $0 annual fee*
  • Earn cash back on every purchase
  • Foreign transaction fees: $0*
  • Additional employee cards at no extra cost*
  • Limited rewards program
  • High APR*

If you’re looking for the best business credit card for fair credit, we recommend the Capital One Spark Classic for Business. It’s our pick because it offers competitive cash back rates while remaining accessible to business owners with fair credit. Further, you won’t be on the hook for an annual fee — this card charges $0* — and there’s no need to worry about foreign transaction fees, as there are $0*.

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
*The information related to the Capital One Spark Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – low ongoing APR

PNC Visa® Business Credit Card*

PNC Visa® Business Credit Card PNC Visa® Business Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.3
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Low ongoing purchase APR of 17.24% to 27.24% Variable

Low ongoing purchase APR of 17.24% to 27.24% Variable.

Intro Purchase APRIntroductory 0% APR for purchases for the first 13 billing cycles following account opening
Annual Fee$0
Regular Purchase APR17.24% to 27.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Low APR
  • $0 annual fee
  • Intro APR on balance transfers
  • No rewards program
  • Limited benefits
  • Foreign transaction fee: 3%

We recommend the PNC Visa® Business Credit Card if you’re looking for a business credit card with low interest rates. Its low ongoing purchase APR makes it a solid choice for business owners who need to carry a balance from month to month. Plus, you’ll save on fees, as it offers a $0 annual fee.

  • 0% intro APR on balance transfers for 13 months, after which a 17.24% to 27.24% Variable APR applies
  • Set spending limits on employee cards
  • No annual fee
*The information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card for airline miles

United℠ Business Card

United℠ Business Card United℠ Business Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.5
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on Chase's secure site

1x – 2x miles
2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.
Intro Purchase APRN/A
Annual Fee$99
Regular Purchase APR21.49% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earn miles on every purchase
  • Travel benefits
  • Valuable sign-up bonus
  • Foreign transaction fee: $0
  • Annual fee
  • Travel benefits limited to United

Consider the United℠ Business Card if you want to redeem airline miles and travel perks for your next business trip. You’ll earn MileagePlus® miles with every purchase you make, and receive a host of travel benefits, like a free checked bag and priority boarding on United. Plus, you can take this card abroad without worrying about paying foreign transaction fees, since the card charges $0 in exchange fees.

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Member FDIC

Small business credit card for hotel rewards

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card The Hilton Honors American Express Business Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

3x – 12x points
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Terms & Limitations Apply.
Intro Purchase APRN/A
Annual Fee$195
Regular Purchase APR20.24% - 29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $195 annual fee
  • Foreign transaction fee: None
  • Welcome offer
  • Generous rewards rates
  • Elite status benefits (enrollment required)
  • Potentially high APR
  • Rewards limited to Hilton

The Hilton Honors American Express Business Card is a great fit for frequent business travelers and Hilton loyalists. Cardholders get high rewards rates on everyday purchases for a $195 annual fee. Plus, business owners can enjoy complimentary Hilton Honors Silver status benefits on their next business trip just for having the card (enrollment required).

*To see rates & fees for The Hilton Honors American Express Business Card, please click here.
  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • Terms apply.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Business Advantage Unlimited Cash Rewards Secured credit card, FNBO Business Edition® Secured Mastercard® Credit Card, Ramp Visa Corporate Card, U.S. Bank Business Platinum Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Capital One Spark Classic for Business and PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Lauren Nicholson

Expertise: Credit cards
Education: New York University

Lauren Nicholson is a staff writer at LendingTree, where she focuses on credit cards.

Before joining LendingTree, she worked in the education sector as a college counselor and marketing associate. Lauren is passionate about using clear, concise language to empower readers in times of transition, whether they’re making decisions about their finances or their education.

Lauren has a master’s degree in English from New York University.

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