| 1 Chase Ink Business UnlimitedScore 7.5 | $1,000 | $0/year | Flat, uncapped 1.5% on everything | Secondary rental coverage | No cap | 690+ credit | 6–2 | 75 % | 50 % |
| 2 U.S. Bank Triple Cash Rewards BusinessScore 7.4 | $750 bonus, 12.5% return | $0 fee + $100 credit | 3% on 4 categories | 0% APR + $100 credit | $200 per-transaction cap | 670+ credit | 5–1 | 83 % | 58 % |
| 3 Capital One Venture BusinessScore 7.3 | 100,000 miles | $95/yr | 2X flat | $50 + $50 + $120/4yr | Uncapped | "Set it and forget it" | 6–1 | 86 % | 67 % |
| 4 BofA Business Advantage Travel RewardsScore 7.2 | 50,000 pts | $0/yr | 1.5x / 3x | 4 coverages | Uncapped, no monthly switching | Good to excellent | 2–2 | 50 % | 50 % |
| 5 American Express Business Gold CardScore 7.2 | 100,000-200,000 pts | $375/yr, steep relative to bundled perks | — | — | — | — | 1–0 | 100 % | 67 % |
| 6Chase Ink Business PreferredScore 7.0 | 100,000 points, worth $1,250+ | $95/year | 3x / 1x | Primary rental + trip insurance | $150K/yr cap on 3x | — | 8–1 | 89 % | 65 % |
| 7Amex Business GoldScore 6.7 | Up to 200,000 pts | $375/yr | 4x | $695+/yr in credits | $150,000/yr cap | 690+ | 3–3–1 | 50 % | 52 % |
| 8Bank of America Business Advantage Customized Cash RewardsScore 6.7 | $500 cash | $0/yr | 3% chosen category, 2% dining | 3 redemption options | $50,000 shared cap | — | 2–1 | 67 % | 33 % |
| 9Amex Blue Business CashScore 6.7 | $250 (up to $500 targeted) | $0/year | 2% | $1,000 / $50,000 | $50,000/yr | Good to excellent | 2–2–1 | 50 % | 53 % |
| 10The Blue Business Plus Credit Card from American ExpressScore 6.7 | 15,000-50,000 pts | — | 2x (~2% baseline) | — | $50,000/yr cap | — | 1–0 | 100 % | 67 % |
| 11The American Express Blue Business Cash CardScore 6.7 | $250-$500 | — | Flat 2% on everything, up to $50K/yr | Buying-power flexibility | — | — | 0–1 | 0 % | 50 % |
| 12Amex Business PlatinumScore 6.6 | Up to 300,000 pts | "The credits act like coupons" | 1x (most spend) | $3,300+/yr | — | 700-720+ credit | 3–3 | 50 % | 44 % |
| 13Chase Ink Business CashScore 6.6 | $1,000 | $0/year | 5% office/internet, 2% gas/dining | 4+ protections | $50,000 combined cap | 690+ | 4–5 | 44 % | 50 % |
| 14Capital One Spark Cash PlusScore 6.6 | $2,000 cash + $500 travel credit | $150/yr | 2% uncapped | Free employee cards + expense tools | Uncapped 2%, no preset limit | 720+ | 4–7 | 36 % | 42 % |
| 15U.S. Bank Triple Cash RewardsScore 6.5 | $750 | — | — | — | — | ~670+ | 1–0 | 100 % | 50 % |
| 16Bank of America Business Advantage Travel RewardsScore 6.4 | 50,000 points | $0/yr | 1.5X flat / up to 2.62X | 4 insurance benefits | $20K+ balance for top rate | — | 0–2 | 0 % | 33 % |
| 17Bank of America Business Advantage Unlimited Cash RewardsScore 6.4 | $500 bonus | $0 fee / 1.5% base | Up to 2.62% | 7-cycle 0% intro APR | Sister card offers a 3% category pick | 750+ credit, built for BofA customers | 0–3 | 0 % | 22 % |
| 18American Express Blue Business CashScore 6.3 | $250 ($500 targeted) | $0 annual fee, no conditions | 2% | 12mo 0% APR + Expanded Buying Power | $50,000/year cap | — | 0–1 | 0 % | 17 % |
| 19Amex Blue Business PlusScore 6.3 | 15,000 points | $0 fee / 2x to $50K | 2x points to $50K | General terms | $50,000 cap | Great starter card for new businesses | 2–4 | 33 % | 39 % |
| 20BofA Business Advantage Customized Cash RewardsScore 6.1 | $500 | $0/yr | 3% + 2% | 7 billing cycles | $50,000/yr | 680+ | 0–2 | 0 % | 17 % |
| 21Chase Ink Business PremierScore 6.1 | $1,000 | $195/year — the priciest Ink card | 2% under $5K, 2.5% on $5K+ purchases | 0% foreign transaction fee | $5,000 minimum per purchase | 720+ credit | 1–4 | 20 % | 30 % |
| 22U.S. Bank Business Altitude PowerScore 5.6 | 75,000 pts | "Outsized annual fee given its rather limited perks" | 2X (~2%) | Priority Pass Digital | $5,000/quarter | 720+ credit | 1–4 | 20 % | 27 % |
| 23BofA Business Advantage Unlimited Cash RewardsScore 5.6 | $500 | $0/yr | 1.5% | "Solid choice for simple, easy-to-manage cash back" | No cap | ~750+ | 0–3 | 0 % | 11 % |