Best Business Cards of July 2026

Miles and points can easily save you thousands of dollars in travel expenses and enable you to enjoy luxurious experiences that you otherwise might not be able to afford. A good travel credit card (or a few) is a tool that all financially responsible travelers should be using. However, knowing which travel credit card(s) to apply for can be confusing. To help you prioritize your credit card sign-ups, we update this page every month to include what we believe are the top credit card offers on the market.

🏆 Best for High Business Spend

Capital One Venture X Business

Annual Fee: $395

150,000Bonus Miles

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.

The Venture X business credit card offers robust rewards and benefits tailored to entrepreneurs and small businesses (plus, many travel perks for those who want to hit the skies and see the world).

🚀 Learn How to Apply 👀 Read Our Take

Best for 2X on business spending

Capital One Venture Business

Annual Fee: $95

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening

Flat 2X on every business purchase, transferable miles, and $220 in credits against a $95 annual fee. For most small business owners who want a single, reliable travel card, this is it.

🚀 Learn How to Apply 👀 Read Our Take

🏆 Best Luxury Business Card

The Business Platinum Card® from American Express

Annual Fee: $895

Rates & Fees|Terms Apply

As High As 300,000Bonus Points

Apply to find out your offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The Business Platinum card is a premium business credit card offering a range of exclusive travel and business benefits, including airport lounge access, annual airline fee credits, and 5X Membership Rewards points on flights and prepaid hotels through American Express Travel®. With a higher annual fee, this card is designed for businesses looking to elevate their travel experience and enjoy a suite of luxury perks.

🚀 Learn How to Apply 👀 Read Our Take

🏆 Best Premium Chase Business Card

Sapphire Reserve for Business℠

Annual Fee: $795

200,000Bonus Points

LIMITED TIME OFFER

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

Between high-value credits, lounge access, and Chase's new Points Boost redemptions, this card is targeting business owners and frequent travelers alike. And unlike the personal version, you'll get bonus points for flights and hotels booked directly and solid points back on ads, too. If you're a frequent flyer (and fan of business travel cards), this newbie more than deserves your attention.

🚀 Learn How to Apply 👀 Read Our Take

🏆 Best Business Card with $0 Annual Fee

Ink Business Unlimited® Credit Card

Annual Fee: $0

$1,000 Bonus Cash BackBonus Points

LIMITED TIME OFFER

Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.

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🏆 Best for Flexible Bonus Earning

American Express® Business Gold Card

Annual Fee: $375

Rates & Fees|Terms Apply

As High As 200,000Bonus Points

Apply to find out your offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The Amex Business Gold Card is a flexible business credit card that lets you choose two categories in which to earn extra rewards, such as travel, advertising, or technology, making it a versatile choice for businesses with varying spending needs. With valuable benefits such as purchase protection and access to the American Express business ecosystem, this card is designed to help businesses maximize their rewards and manage expenses efficiently.

🚀 Learn How to Apply 👀 Read Our Take

🏆 Best For Office Supply Purchases

Ink Business Cash® Credit Card

Annual Fee: $0

$1,000Bonus Points

LIMITED TIME OFFER

Earn 1,000 when you spend $8,000 on purchases in the first four months after account opening

The Ink Business Cash® Credit Card is an ideal choice for small business owners. With this card, you can earn cash back on a range of business expenses, including office supplies, internet, cable, and phone services, while enjoying valuable perks such as employee cards at no extra cost, making it a practical and cost-effective solution for managing your business finances!

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🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Annual Fee: $95

100,000Bonus Points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.

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IHG One Rewards Premier Business Credit Card

Annual Fee: $99

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

The IHG Rewards Premier Business Credit Card is a powerful tool for business travelers. With this card, you can earn IHG Rewards points on business expenses and take advantage of exclusive perks such as free anniversary night certificates, automatic elite status, and a variety of travel benefits, making it a top choice for those seeking a rewarding business travel experience.

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World of Hyatt Business Credit Card

Annual Fee: $199

60,000Bonus Points

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

The World of Hyatt Business Credit Card is a co-branded hotel rewards credit card affiliated with the World of Hyatt loyalty program. It allows business owners to earn World of Hyatt points on their spending and offers benefits like bonus points on Hyatt stays, automatic elite status, and the ability to earn five tier-qualifying night credits for every $10,000 spent in a calendar year. This makes it an appealing choice for businesses that frequently use Hyatt properties.

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🏆 Best Intro United Business Card

United℠ Business Card

Annual Fee: $150

Up to 110,000Bonus Miles

LIMITED TIME OFFER

Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles when you add an employee card in the first 3 months your account is open.

The United℠ Business Card packs valuable travel perks and big mileage bonuses into a low-friction business card designed for regular United flyers. It offers various travel benefits, including United MileagePlus miles for business spending, two United Club passes annually and priority boarding, making it a valuable choice for business owners who frequently fly with United Airlines.

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Which Card is Right for You?

Finding the perfect business credit card depends on your company’s needs and spending patterns. Are you looking for high cash back on office supplies, travel rewards for business trips, or tools to manage employee expenses? Check out our top business card options and choose the card that best supports your business goals.

Other Ways to Earn

Don’t stop at card rewards—explore additional ways to boost your miles and points potential. Many business cards offer bonus categories, spending programs, and partnerships that can further enhance your rewards and benefits. There are so many ways to get the most out of your business expenses. After all, you're spending the money anyways. There might as well be something in it for you.

Pros and Cons

Pros

Business cards can help streamline your company’s cash flow with flexible payment options and expense tracking tool

Enjoy rewards like cash back, travel benefits, and discounts on business services that can aid your company’s financial health

Many business cards offer detailed reports and analytics, making it easier to manage and monitor your business expenses

Cons

Premium business cards often come with higher annual fees, which can be a drawback if the benefits aren’t fully utilized

Business credit cards usually require a strong credit history, which might be challenging for new or small businesses

FAQs

What benefits do business credit cards offer?

Business credit cards provide various benefits including rewards on purchases, travel perks, expense management tools, and often higher credit limits compared to personal cards.

Can I get a business credit card if my business is new?

Yes, many business credit cards are available for new businesses, though you may need to provide a personal guarantee and have strong personal credit to qualify.

Are business credit cards different from personal credit cards?

Yes, business credit cards are tailored for business expenses and often come with benefits like expense tracking, higher credit limits, and rewards for business-related spending. They also may offer different terms and fees compared to personal cards.

What should I consider when choosing a business credit card?

Consider factors such as the type of rewards (cash back, travel, etc.), annual fees, interest rates, credit limits, and expense management tools. Choose a card that aligns with your business’s spending patterns and financial goals.

Why Trust Daily Drop?

At Daily Drop, our editorial team is made up of seasoned travel and credit card experts who have spent years mastering travel rewards and testing the best strategies firsthand. Founder Nate Buchanan, of Kara and Nate, has personally earned and redeemed millions of points and miles over the past 10+ years, saving tens of thousands of dollars on travel. Our team shares similar hands-on experience, ensuring our recommendations are practical, tested, and built on real-world knowledge. After all, we wouldn’t be Daily Drop if we weren’t practicing what we preach.

Our independent reviews break down rewards, perks, fees, and overall value to help you make informed decisions. We also analyze audience data, considering reader engagement and trends, so our recommendations reflect what actually matters to you.

While we may earn a commission if you apply for a card through our site, our opinions are our own — based solely on expert analysis and firsthand experience, not influenced by any bank, credit card issuer, hotel, airline, or other entity. Our goal is simple: helping you maximize your rewards and travel smarter.

Read our full methodology for more information.

Authors

Written by: McKay Moffitt

Writer

Edited by: Tiffany Eastham

Writer & Editor

Updated:Jun 30, 2026