Tue. Jan 31st, 2023

Top 10 Business credit cards in 2022

When choosing a business card, you might be tempted to not consider the rewards and perks associated, and rather look at how big the underlying brand is. This results in you losing some cool rewards that could have otherwise reduced your business expenses in about a half. For this reason, we have considered and picked the best business cards that offer valuable rewards and benefits of so many kinds. Whether it’s a sole proprietorship business you’re running or you have not-too many employees you manage, then take note of your business’s needs and spending to find out which kind of business card mentioned below is right for you.

1. The Hilton Honors American Express Business Card

First we look at the Hilton Honors Business Card from American Express which offers a variable APR rate on purchases of 17.24% to 26.24%, based on your credit worthiness and other factors as determined at the time of account opening. You earn a welcome offer of 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership as well as more than 20 times additional points on purchases in the Hilton portfolio consisting of gas stations, hotels, resorts, shipping, flights booked with Annex travels, and more.

Additionally, users get to enjoy complimentary Hilton Honors Gold Status and Weekend night Reward after $15,000 purchases per year. It has a $95 associated fee billed annually and a welcome bonus of 130,000 points.

Apply for your card via https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors-american-express-business-credit-card-amex/42732/

2. United℠ Business Card

It offers you a welcome bonus of 75,000 miles after you spend $5,000 on purchases in the first 3 months after your account is open. Plus, $0 introductory annual fee for the first year, then $99 from then on. It combines a  5,000-mile bonus each anniversary when you have both the United℠ Business Card and a personal United® credit card.

Additionally, you earn 2 miles per $1 sent on United® purchases including office store supplies, dining, gas and commute. as well as $1 on all other purchases. As it often rewards dedicated customers and is a big fan of anniversaries, it offers $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.

Apply via https://creditcards.chase.com/business-credit-cards/united/united-business-card

3. Delta SkyMiles® Reserve Business American Express Card

The rewards associated with this credit card consists of 3X miles per dollar on all eligible Delta purchases, 1X mile on all other purchases. complimentary access into Delta Sky Club® where you can relax before your Delta flight, two Delta Sky Club One-Time Guest Passes each year and complimentary access to The Centurion® Lounge or Escape Lounge.

Additionally, you earn an extra half mile per dollar on eligible purchases the rest of the year after you spend $150,000 on your Card. Also with their Status Boost®, you earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 which gets you to the Medallion Status.

The card has a $550 fee billed annually and a welcome bonus of 110,000 miles.

Apply via https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/delta-skymiles-reserve/42732/

4. Marriott Bonvoy Business® American Express® Card

This credit card offers 6x points at hotels participating in the Marriott Bonvoy™ program, 4x points at U.S. gas stations, 4x points for purchases made at restaurants worldwide, 4x points on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping and 2x points on all other eligible purchases, plus 7% discount off standard rates for reservations and 1 Free Night Award every year after your Card renewal month including an additional Free Night Award after you spend $60K in a year.

The card has a $125 fee billed annually and a welcome bonus of 125,000 points.

Apply via https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/42732/

5. Delta SkyMiles® Platinum Business American Express Card

It has some tempting reward rates there are in the market; 3 Miles on every dollar spent, 1.5 miles per dollar on single eligible purchases of $5,000 or more, and up to 50,000 additional miles per year. A possible chance of receiving a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card, Delta Sky Club® Access and 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases.

The card has a $250 fee billed annually and a welcome bonus of 100,000 miles.

Apply via https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-platinum/42732/

6. Southwest® Rapid Rewards® Premier Business Credit Card

Features of this Business Credit Card includes 3X points on Southwest® purchases, 2X points on Rapid Rewards® hotel and car rental partners, 2X points on rideshare, 1 point per $1 spent on all other purchases and 2 EarlyBird Check-In® each year. The total bonus is estimated to be $918 and an annual fee of $99.

Apply via https://creditcards.chase.com/a1/southwest/NAEPBizPremier722

7. Delta SkyMiles® Gold Business American Express Card

This credit card offers rewards rate on 2 Miles per dollar spent on eligible purchases made directly with Delta, $100 off your next Delta flight after spending $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel and 1x miles per dollar on all purchases. Also pay no foreign transaction fees when you travel overseas and $0 introductory annual fee for the first year, then $99.

Apply via https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/42732/

8. The Blue Business® Plus Credit Card from American Express

It offers 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners, 15,000 Membership Rewards® points after spending $3,000 in eligible purchases on the Card within 3 months of Card Membership and 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% – 22.74% and a completely zero annual fee.

Apply via https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/42732/

9. Southwest® Rapid Rewards® Performance Business Credit Card

Enjoy 4X points on Southwest® purchases, 3X points on Rapid Rewards® hotel and car rental partners, 2X points on rideshare, 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.

Additionally, the card charges $199 and offers you 80,000 points after you spend $5,000 on purchases in the first 3 months and 9,000 bonus points after your Cardmember anniversary.

Apply via https://creditcards.chase.com/a1/southwest/NAEPBizPremier722

10. The Plum Card® from American Express

Finally, the American express card charges $250 annual fee and offers 1.5% Early Pay Discount and a period of 60 days to pay back with no interest after meeting the minimum payment requirement and possesses no Foreign Transaction Fees.

Apply via https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-plum-card-amex/42732/

In Conclusion

After comparing these business credit cards based on their cash backs, travel rewards, intro APRs and all general features, each has a category it functions the most. The two that caught our eyes are the Southwest® Rapid Rewards® Premier Business Credit Card which is best for business trips and the United℠ Business Card great for office management and expenses and the Delta SkyMiles® Credit Cards from American Express, through their branches and partnerships with several hotels, resorts travel airlines offer combinations of awesome rewards and perks for in-country business travels.

Sources:

https://www.creditkarma.com/credit-cards/business-credit-cards

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