Ranked by net rewards value at $2,000/month business spend. Category earn rates benchmarked at typical SMB spend mix: 30% office supplies/advertising, 25% dining/entertainment, 20% travel, 25% general. Based on published card terms as of June 2026.
At $2k/month with 55% in covered categories: earns ~39,600 UR/year in those categories. Via transfer to Hyatt or other partners at 1.5¢+: $594+/year - $95 fee = $499 net. Welcome bonus typically 90,000 UR ($900+ in travel). Best mid-range business card for businesses with travel + advertising spend.
See all reviews →Auto-selecting 4x on your actual top 2 categories removes the need to track rotating bonuses. At $2k/month with $600 in auto-selected categories: earns 28,800 MR/year in bonus categories. Plus $240 flexible business credit. At $2k+/month consistent spend: fee often justified. Best for businesses with varying spend patterns.
See all reviews →Unlimited 2% everywhere means $480/year at $2k/month. Minus $150 fee = $330 net cash. $200 cash bonus when you spend $200k/year — adds for high-revenue businesses. No preset spending limit. Best for high-spend businesses that want simplicity over category optimization.
See all reviews →At $2k/month = $360/year with zero fee. Pairs with Ink Preferred or Sapphire to unlock transfer partner value. Welcome bonus typically $750 cash back. Best no-fee business card for accessing the Chase UR ecosystem.
See all reviews →2x MR on everything with no fee — comparable to Spark Cash Plus but earns transferable points instead of cash. At $2k/month: 48,000 MR/year (under $50k cap). At 1.8¢/point via airline transfers: $864/year. Best no-fee business card for MR point earners.
See all reviews →Massive credit load: $200 airline, $400 Dell, $360 Indeed, $150 Adobe, $120 wireless = $1,230 in credits if fully used. 35% points back on flight redemptions via Amex. High fee demands high engagement. Best for large businesses that can use all credits.
See all reviews →Choose your 3% business category. Preferred Rewards for Business members get up to 75% bonus — potentially 5.25% on chosen category. Best for BofA business banking clients with Preferred Rewards Business status.
See all reviews →5% on office supply stores and internet/phone — high earn rate in categories most businesses already pay. At $200/month in those categories: $120/year with $0 fee. Pairs with Ink Preferred or Sapphire. Best for businesses with recurring telecom and office supply expenses.
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