Compare all five business cards in Cardwell’s catalog. Business cards remain separate from personal-card recommendations.
Guide updated September 16, 2026 · Verify current offers with the issuer
Unlimited 1.5% cash back on every business purchase.
Why it made this list: Simple flat-rate business cash back with no annual fee.
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5% on office supply and internet, cable and phone up to $25,000 combined yearly, plus 2% at gas stations and restaurants.
Why it made this list: No-fee business rewards with strong office and telecom categories.
3x on the first $150,000 combined yearly in travel, shipping, internet, cable, phone, and eligible social or search advertising.
Why it made this list: Transferable points for businesses spending on travel, shipping, telecom and digital ads.
2x Membership Rewards points on the first $50,000 in eligible purchases each calendar year, then 1x.
Why it made this list: Simple Membership Rewards earning with no annual fee or category tracking.
2% cash back on the first $50,000 in eligible purchases each calendar year, then 1%.
Why it made this list: Straightforward business cash back that is automatically credited to the statement.
Start with the categories your business actually pays each month, such as office supplies, phone service, advertising, shipping, travel, or mixed purchases. A high bonus rate is useful only when a meaningful share of spending is eligible.
A rewards card works best when the balance is paid under its terms. If the business needs time to pay for a planned purchase, compare introductory APR length and repayment capacity separately from points or cash back.
A dedicated business card can make expense records easier to review. Before choosing, check employee-card availability, spending controls, account-management tools, liability terms, and how the card fits your bookkeeping process.
On $2,000 a month in eligible business purchases, a hypothetical flat 1.5% return is $360 a year, versus $480 at 2%, before fees and caps. A category card can improve that return only when the merchant and expense qualify.
List office supplies, telecom, advertising, shipping and travel separately. Higher rates can share one combined cap; each category cannot claim the full cap independently. Employee expenses may use the same limit. Keep personal and business spending separate.
Check eligibility and obligations with the issuer. Business products can have terms and protections that differ from consumer cards. A points strategy may not suit someone who needs predictable cash back.
Select Business and enter telecom or advertising only where applicable. →
Issuer requirements vary, and some sole proprietors may be allowed to apply using information permitted by the issuer. Cardwell does not determine eligibility, so review the application requirements directly with the issuer.
Mixing expenses can make record keeping and tax preparation harder and may conflict with issuer terms. Keep business and personal spending separate and ask a qualified tax professional about your situation.
Cash back is easier to value and use. Points may fit a business that travels and is willing to manage redemption options. Choose based on actual spending, travel, and administrative effort.