If you’ve been looking for a fast way to rack up a huge stash of points for your next trip, business cards are where it’s at. Many of them come with huge welcome offers – which can be worth thousands in travel – plus valuable perks that make the annual fees well worth it. Business cards are also easier to qualify for than most people realize.
➡️ Check out all of my favorite cards sorted by category
Let’s go over all of the business cards with the highest offers.
Capital One Venture X Business
Current Offer: Earn 150,000 Capital One Miles after spending $30,000 in the first three months.
Annual Fee: $395
Why It’s Great: Enjoy annual perks like a $300 travel credit, 10,000 bonus miles each year starting with your first account anniversary, airport lounge access, and TSA PreCheck/Global Entry credits, travel protections, and more. It has the lowest fee of any premium travel card.
The Business Platinum Card® from American Express
Current Offer: Earn 150,000 Membership Rewards® points after spending $20,000 in the first three months. Amex sometimes has targeted offers, so you may find a higher offer by searching in an incognito browser or through an email or mailer.
Annual Fee: $695
Why It’s Great: Premium benefits like airport lounge access, elite hotel status, TSA PreCheck/Global Entry credits, 5x points on flights and hotels via Amex Travel, and other statement credits and travel perks.
Sapphire Reserve for Business℠
Current Offer: 200,000 Ultimate Rewards points after spending $30,000 within the first six months (not three, like the previous two cards).
Annual Fee: $795
Why It’s Great: This new card brings all the luxury perks of the personal Sapphire Reserve to a business card. $500 statement credit for The Edit, 8x points on Chase Travel, airport lounge access, DoorDash promos, bonus points on business categories like social media and advertising, and more.
Capital One Spark Cash Plus
Current Offer: Earn $2,000 cash back after spending $30,000 in the first three months. This cash back can be converted into Capital One Miles if you have a Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, or Venture X Business card.
Annual Fee: $150
Why It’s Great: Earn unlimited 2% back on all purchases. No need to worry about maximizing certain spending categories.
Ink Business Preferred® Credit Card
Current Offer: Earn 90,000 Ultimate Rewards points after spending $8,000 in the first three months.
Annual Fee: $95
Why It’s Great: You’ll earn 3x points on top business categories like shipping, travel, and advertising (on the first $150,000 spent), plus solid travel protections. It’s a good way to earn more Ultimate Rewards points for a low fee.
Ink Business Preferred’s Siblings
These cards don’t have the highest welcome offers, but they’re worth mentioning because they have no annual fee:
- Ink Business Unlimited® Credit Card: $750 cash back after spending $6,000 in the first three months.
- Ink Business Cash® Credit Card: Up to $750 cash back with tiered spending thresholds – $3,000 in the first three months, $6,000 in the first six months.
Applying for Business Credit Cards
If you earn money outside of a regular W-2 job, no matter how small, you’re likely eligible for a business credit card. Sold a few items on Marketplace this year? Eligible. Walk your neighbor’s dog for some extra cash? Eligible. Do freelance work on the side? Definitely eligible.
The truth is, there are lots of ways to qualify for a business card, even if your “business” is just a side hustle or a small gig.
Here are some common examples, though this list isn’t all-inclusive:
- Owning a rental property
- Photography
- Tutoring
- Babysitting or daycare
- Rideshare driving
- Food delivery
You can learn more about qualifying and applying for business cards in this post.
Final Thoughts
If you’re looking for serious value, the Capital One Venture X Business has the perfect mix of a huge offer and a manageable annual fee. The Amex Business Platinum is another solid choice with a big offer, but a higher fee. If you’re looking for something with a low fee, you can’t go wrong with the Ink Business Preferred. No matter what you choose, business cards with the highest offers are a helpful part of your points and miles strategy, keeping your 5/24 number low while earning a ton of points.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.