Business Credit Cards

Money & Travel

Business Credit Cards That Reward Your Company’s Spending

Compare two leading U.S. business credit cards designed to reward common company expenses, support expense management and help business owners separate commercial spending from personal purchases.

Business rewards Employee expense management Travel benefits
BLAK BEIGE BUSINESS GUIDE Manage spending.
Earn rewards.
Find a card that fits your business.
The business problem

Business Spending Can Become Difficult to Track

Mixing business and personal transactions can complicate bookkeeping, employee expense management and financial reporting. A suitable business credit card can bring eligible company purchases into one account while allowing the business to earn rewards on spending it was already planning to make.

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Separate Expenses

Keep eligible business purchases separate from personal spending to make transaction tracking and record keeping easier.

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Earn Business Rewards

Earn points on eligible advertising, travel, technology, communications and other qualifying business purchases.

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Manage Team Spending

Employee cards and account-management tools can help businesses monitor purchases and set appropriate controls.

Our featured choices

Two Leading U.S. Business Credit Cards

One offers strong travel and business rewards with a moderate annual fee. The other rewards businesses whose largest expenses shift between several eligible spending categories.

Premium business choice
Issued by American Express

American Express® Business Gold Card

A premium rewards card for established businesses with significant spending across eligible advertising, technology, restaurant, fuel, transit and wireless-service categories.

Annual fee $375
Best suited to Higher spenders
  • 4X Membership Rewards® points in the two eligible categories where the business spends most each billing cycle
  • 4X earning applies to the first $150,000 in combined eligible purchases each calendar year, then 1X
  • Eligible categories include select U.S. advertising purchases
  • Eligible U.S. technology, software and cloud purchases may qualify
  • 3X points on eligible flights and prepaid hotels booked through AmexTravel.com
  • 1X point on other eligible purchases
  • Employee cards and expense-management tools are available
  • No foreign transaction fees
View Card Details on American Express

Approval, eligibility, rates and terms are determined by American Express.

Make your decision

Which Business Credit Card Could Suit You?

The right choice depends on your largest expense categories, annual spending, travel requirements and ability to obtain enough value to justify the annual fee.

Consider Chase Ink Business Preferred if:

  • You want a lower annual fee
  • Your business spends on digital advertising
  • You regularly pay for shipping or business travel
  • You want employee cards without an additional card fee
  • You want access to participating travel transfer partners

Consider Amex Business Gold if:

  • Your business has significant annual expenditure
  • Your largest spending categories change from month to month
  • You spend heavily on eligible technology or advertising purchases
  • You book eligible travel through AmexTravel.com
  • You can use enough benefits to justify the higher annual fee
Side-by-side comparison

Compare the Main Features

This comparison is an educational starting point. Confirm current rates, benefits, eligible categories and complete terms directly with the issuer before applying.

Feature Chase Ink Business Preferred American Express Business Gold
Annual fee $95 $375
Highest core reward rate 3X points across specified eligible business and travel categories 4X points in the two highest eligible spending categories each billing cycle
Enhanced-rewards spending cap First $150,000 in combined qualifying purchases each account anniversary year First $150,000 in combined qualifying purchases each calendar year
General purchases 1X point on other eligible purchases 1X point on other eligible purchases
Advertising rewards 3X on eligible social-media and search-engine advertising purchases Advertising with select U.S. media providers is one of the eligible 4X categories
Travel rewards 3X on eligible travel purchases 3X on eligible flights and prepaid hotels booked through AmexTravel.com
Employee cards Available at no additional cost Available, but certain employee-card types may carry additional fees
Foreign transaction fee None None charged by American Express
Best overall fit Growing businesses wanting broad value with a moderate annual fee Higher-spending businesses able to maximize its eligible categories
Beyond rewards

How a Business Credit Card Can Help

A well-managed card can support financial organization, but it should remain part of a wider bookkeeping and cash-flow system.

1

Clearer Business Records

A dedicated account creates a separate transaction history for eligible company purchases.

2

Employee Spending Controls

Employee-card features can help a business monitor team purchases and establish suitable spending limits.

3

Rewards on Planned Expenses

The business may earn rewards when paying for eligible expenses that were already included in its budget.

4

Account Reporting Tools

Statements, transaction records and eligible accounting integrations can make expense reviews more efficient.

Before applying

Business Credit Card Selection Checklist

Review the card as a financial product—not simply as a way to obtain points or an introductory offer.

1

Analyze Your Expenses

Use recent business statements to identify your largest genuine spending categories.

2

Calculate Annual Value

Estimate realistic rewards and usable benefits, then subtract the annual fee and other possible costs.

3

Review Employee Needs

Check employee-card pricing, spending controls, alerts and responsibility for authorized-user transactions.

4

Understand Repayment

Review the purchase APR, payment terms, late fees and consequences of carrying a balance.

5

Check Eligibility

Confirm the issuer’s business, identity, income and credit-related application requirements.

6

Read the Full Terms

Reward categories, benefits, fees and offers can change. Read the current issuer terms before submitting an application.

Protect Your Business Cash Flow

Rewards may lose their value if the business pays substantial interest or late fees. Avoid increasing spending solely to earn points. Consider using a business credit card only for budgeted expenses and paying the statement balance in full and on time whenever possible.

Frequently asked questions

Business Credit Card Questions Answered

What is a business credit card?
A business credit card is designed for business-related spending. Depending on the product, it may provide rewards, employee cards, transaction reporting and expense-management features. The business and account owner remain responsible for using and repaying the account according to its terms.
Can a sole proprietor apply for a business credit card?
Sole proprietors and freelancers may be eligible for some business credit cards. Applicants must provide truthful information about their identity, business type, income and activities. Approval is always determined by the issuer.
Which featured card has the lower annual fee?
Chase Ink Business Preferred currently lists a $95 annual fee. American Express Business Gold currently lists a $375 annual fee. Verify the latest rates and fees before applying.
Which card is better for digital advertising expenses?
Both cards can reward certain advertising purchases, but the definitions differ. Chase includes eligible advertising purchases made with social-media sites and search engines in its 3X categories. American Express includes purchases with select U.S. media providers for advertising as one of its potential 4X categories. Review each issuer’s category definitions carefully.
Do business credit cards affect personal credit?
The effect can depend on the issuer, application process, account structure and how the account is managed. An application or accepted account may affect personal or business credit. Review the issuer’s disclosures before applying.
Should personal expenses be placed on a business card?
A business card should generally be used for legitimate business expenses and in accordance with the account agreement. Keeping personal and business transactions separate can also make record keeping easier.
Are employee purchases the business owner’s responsibility?
The primary account holder and business are generally responsible for authorized-user transactions. Establish clear internal spending rules, monitor activity and use available controls before distributing employee cards.
Can rewards and benefits change?
Yes. Issuers may change reward categories, spending caps, credits, offers, fees and other terms. Always check the current official product page and cardmember agreement.
Compare before applying

Choose a Card That Matches Your Business Spending

Review the latest offers, qualification requirements, rates and complete terms directly on each card issuer’s official website.

Editorial disclosure: BLAK BEIGE provides educational information to help readers compare financial products. Product details, offers, benefits and eligibility requirements may change. Verify all current information directly with the relevant card issuer.

Important: This content is for general informational purposes and does not constitute financial, credit, accounting, tax or legal advice. Credit approval is subject to the issuer’s criteria. Rates, fees, restrictions, limitations and exclusions apply.

Chase Ink Business Preferred® is issued by JPMorgan Chase Bank, N.A. American Express® Business Gold Card is issued by American Express. BLAK BEIGE is not a bank, lender, credit broker or credit-card issuer.

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