Financial Gym's B.F.F. Recommended Business Cards | CreditCards.com

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Our rating:4.7

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Rewards rate

2%: 2% cash back on every purchase
5%: 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Intro offer: $2,000 cash back $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

Annual fee: $150

Regular APR: N/A

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Rates & Fees

Annual Fee: $150
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Our rating:4.3

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Rewards rate

5%: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%: Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro offer: Earn $750 bonus cash back Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Annual fee: $0

Regular APR: 16.74% - 24.74% Variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 2.9
Annual Percentage Rate:: 0.5
Rewards Flexibility:: 3.6
Features:: 2.3
Issuer Customer Experience: 3.6

Highlights

Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months
Regular APR: 16.74% - 24.74% Variable
Intro Balance Transfers APR: N/A

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Our rating:4.0

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Rewards rate

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

Intro offer: Earn $750 bonus cash back Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Annual fee: $0

Regular APR: 16.74% - 24.74% Variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.0

Rating methodology

Rewards Value: 3.3
Annual Percentage Rate: 0.5
Rewards Flexibility: 4.1
Features: 2.3
Issuer Customer Experience: 3.6

Highlights

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
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 Months
Regular APR: 16.74% - 24.74% Variable
Intro Balance Transfers APR: N/A

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Our rating:4.9

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Rewards rate

5X: Earn 5X points on flights and prepaid hotels on AmexTravel.com.
2X: Enhanced! Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X: Earn 1X points on other eligible purchases.

Intro offer: Earn 200,000 Membership Rewards® points Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Annual fee: $895

Regular APR: 17.74% - 28.49% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 1.0
Rewards Flexibility: 3.0
Features: 5.0
Issuer Customer Experience: 5.0

Highlights

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $895
Intro Purchase APR: N/A
Regular APR: 17.74% - 28.49% Variable
Intro Balance Transfers APR: N/A

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Our rating:4.1

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Rewards rate

2X: Earn 2X 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. Terms and limitations apply.

Intro offer: 15,000 Membership Rewards® points 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.

Annual fee: No annual fee

Regular APR: 16.74% - 26.74% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Highlights

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
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.

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 16.74% - 26.74% Variable
Intro Balance Transfers APR: N/A

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Our rating:4.3

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Rewards rate

12X: Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
5X: 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: Earn 3X Points thereafter.

Intro offer: Earn 130,000 Hilton Honors Bonus Points Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Annual fee: $195

Regular APR: 19.49% - 28.49% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
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.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
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.
You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
Terms apply.

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: 19.49% - 28.49% Variable
Intro Balance Transfers APR: N/A

Revenued Business Card

Revenued Business Card

Our rating:2.7

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: None

Regular APR: Factor Based

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.7

Rating methodology

Rewards Value: 1.0
APR: 1.0
Rewards Flexibility: 0.0
Features: 3.0

Highlights

Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
No origination fees, maintenance fees, or draw fees
As your revenue increases, your spending limit increases
Access cash on demand with funds deposited straight into your bank account via the Flex Line
Approvals based on your business revenue and not personal credit
24/7 access to business funding - via mobile app and Visa business card
Rated Excellent on Trustpilot with 800+ reviews

Rates & Fees

Annual Fee: None
Intro Purchase APR: None
Regular APR: Factor Based
Intro Balance Transfers APR: None