1.The Business Platinum Card® from American Express
American Express
- 5%Membership Rewards points on flights and prepaid hotels booked via AmexTravel.com
- 1.5%Membership Rewards points on eligible purchases in key business categories
Earn 200,000 Membership Rewards® points after spending $20,000 in eligible purchases within the first 3 months of card membership.
Earn 5X Membership Rewards® points on flights and prepaid hotels booked via AmexTravel.com, and 1.5X points on eligible purchases in key business categories and large transactions of $5,000 or more.
17.74%-28.49% Variable APR
The Business Platinum Card from American Express stands out as the top choice because it offers unparalleled travel rewards and extensive benefits tailored for high-spending businesses. With 5X points on flights and prepaid hotels, along with significant statement credits, it provides exceptional value for frequent travelers.
Pros:
- Extensive airport lounge access
- Up to $1,000+ in annual statement credits
Cons:
- High annual fee
- Requires significant spending to maximize benefits
- 1.5%Cash back on every business purchase
Earn a $750 bonus after you spend $6,000 on purchases in the first 3 months from account opening.
Earn unlimited 1.5% cash back on every business purchase.
16.74%-24.74% Variable APR
What sets the Ink Business Unlimited apart is its straightforward cash back structure, making it ideal for businesses that prefer simplicity. With unlimited 1.5% cash back on all purchases and a generous welcome bonus, it offers great value without the complexity of rotating categories.
Pros:
- No annual fee
- Simple cash back structure
Cons:
- Lower rewards rate compared to premium cards
- Limited bonus categories
3.Capital One Venture X Business
Capital One
- 10%Miles on hotels and rental cars booked through Capital One Business Travel
- 5%Miles on flights booked via Capital One Travel
- 2%Miles on every other purchase
Earn 150,000 miles after spending $30,000 in the first 3 months.
Earn unlimited 2X miles on every purchase, 10X on hotels/rental cars, and 5X on flights booked via Capital One Travel.
The Capital One Venture X Business card shines for its premium travel rewards, offering an impressive 10X miles on hotels and rental cars booked through Capital One. With a substantial welcome bonus and valuable travel credits, it is designed for businesses that prioritize travel and rewards.
Pros:
- High rewards on travel bookings
- Annual travel credit
Cons:
- High annual fee
- Requires significant spending to unlock full benefits
4.American Express® Business Gold Card
American Express
- 4%Points on the top two eligible spending categories
- 3%Points on flights and prepaid hotels booked via AmexTravel.com
- 1XPoints on other eligible purchases
Earn 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months.
Earn 4X points on the top two eligible spending categories each month (on up to $150k combined spend annually), 3X on flights/prepaid hotels via AmexTravel.com.
17.74%-28.49% Variable APR
The American Express Business Gold Card is a premium option for businesses with concentrated spending in specific categories, allowing cardholders to earn 4X points on their top two categories each month. This flexibility in rewards makes it a strong contender for businesses looking to maximize their rewards potential.
Pros:
- High rewards on select categories
- Flexible rewards redemption options
Cons:
- Annual fee
- Requires strong credit
5.Capital One Spark Cash Plus
Capital One
- 2%Cash back on all business purchases
- 5%Cash back on hotels and rental cars booked through Capital One Travel
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Earn unlimited 2% cash back on all business purchases and 5% on hotels/rental cars booked through Capital One Travel.
The Capital One Spark Cash Plus card is designed for high-spending businesses, offering unlimited 2% cash back on all purchases. With a substantial welcome bonus and additional cash bonuses for high spending, it provides excellent value for businesses that make significant purchases.
Pros:
- Unlimited 2% cash back
- Significant welcome bonus
Cons:
- Annual fee
- Requires high spending to maximize benefits
Final Words
As you explore the best business credit cards this February 2026, remember that the right card can enhance your spending power and offer valuable perks tailored to your needs. Take time to compare your options and choose a card that aligns with your business strategy for maximum benefits.
Frequently Asked Questions
The welcome bonus for The Business Platinum Card® from American Express is Earn 200,000 Membership Rewards® points after spending $20,000 in eligible purchases within the first 3 months of card membership.
With the Ink Business Unlimited® Credit Card, you earn unlimited 1.5% cash back on every business purchase. This straightforward cash back structure makes it easy to maximize your rewards with no spending categories to track.
The Capital One Venture X Business card offers unlimited 2X miles on every purchase, 10X on hotels and rental cars, and 5X on flights booked via Capital One Travel. This diverse earning rate allows you to accumulate miles quickly across various spending categories.
Business credit cards often come with benefits such as higher credit limits, rewards programs tailored for business expenses, and expense tracking tools. They can also help improve your business's credit score if managed properly.
Yes, many business credit cards have annual fees that can vary significantly. It's essential to weigh the benefits and rewards against the cost to determine if the card is worth it for your business.
When selecting a business credit card, consider factors such as the annual fee, rewards structure, interest rates, and any additional perks like travel benefits or expense management tools. Align these features with your business spending patterns for optimal value.
The application process for business credit cards typically involves providing details about your business, including its legal structure, revenue, and personal information of the owner. Be prepared to submit financial documents and undergo a credit check.
