Chase Ink Business Preferred

Chase • Visa

Annual Fee$95

APR21.24%-26.24%

Sign-Up Bonus90,000 points after $8,000 in 3 months

Credit ScoreGood to Excellent (670+)

Rewards: 3X travel, shipping, internet/cable/phone, advertising (up to $150k/yr), 1X everything

Business

90,000 point welcome bonus
3X on key business categories
Points worth 25% more via Chase Travel
Cell phone protection
Employee cards at no extra cost

Apply Now No foreign txn fee

Amex Business Gold Card

American Express • Amex

Annual Fee$375

APR19.49%-27.49%

Sign-Up Bonus70,000 points after $10,000 in 3 months

Credit ScoreGood to Excellent (670+)

Rewards: 4X on 2 categories where you spend most each month (up to $150k/yr), 1X everything

Business

Auto 4X in top 2 spending categories
Flexible Membership Rewards points
Year-over-year spending insights
Extended warranty protection

Apply Now No foreign txn fee

Business Credit Cards: What to Know in 2026

Business credit cards keep personal and business expenses separate while earning rewards on common business categories like advertising, shipping, internet, and phone services. Many offer significantly higher sign-up bonuses than consumer cards.

The Chase Ink Business Preferred stands out with 90,000 Ultimate Rewards points (worth $1,125+ toward travel) and 3X on key business categories up to $150,000/year. The Amex Business Gold automatically earns 4X on your top two spending categories each month, making it ideal for businesses with variable expense patterns.

Business cards typically do not appear on your personal credit report (unless you default), which means they will not affect your personal credit utilization ratio. This is a strategic advantage for entrepreneurs who want to maintain borrowing capacity for mortgages or other personal loans.

💼 Best Business Credit Cards (2026)

Business Credit Cards: What to Know in 2026

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