Having a dedicated small business credit card has so many rewards and benefits that there’s really no reason not to have one. You can earn points on your day to day expenses, and will usually receive itemized expense reports every quarter, which is helpful for bookkeeping and accounting.
Reviews of the Top Business Rewards Cards
Starwood Preferred Guest® Credit Card from American Express
The Starwood Preferred Guest® Credit Card from American Express credit card is hands down the best deal. You earn rewards on this credit card by accumulating Starpoints, where a $1 purchase gives you 1 Starpoint. The real payoff is if you are a big spender; if you spend $30,000 in one year, you get upgraded to Starwood Gold status, and you get 3 Starpoints for every $1 spent!
Starpoints can be redeemed for free nights at hotels, or free airplane tickets. Participating Starwood Hotels include: Sheraton, W Hotels, Le Meridien, Luxury Collection, Westin, and St. Regis. A free night at a hotel ranges from as low as 2000 Starpoints to 10000 Starpoints, depending on the luxury level of the hotel.
A domestic roundtrip airline ticket will run you 25,000 Starpoints. Carriers that accept Starpoints include: Alaska Airlines, American Airlines, British Airways, Continental, Delta, Japan Airlines, Northwest, Qantas, US Airways, and United Airlines (see all Starwood Airlines). Simply logon to your account at SPG.com and you can convert your Starpoints to miles points on all major airlines.
The great thing is that when you convert Starpoints to frequent flyer miles, AMEX will automatically give you a 5,000 point bonus, meaning that you really need only 20,000 Starpoints to get a free plane ticket.
For a limited time, Starwood is running a FREE 10,000 Starpoints credit card sign-up bonus offer.
Sign up, make a purchase, and you will be credited with 10,000 Starpoints. 10,000 points is enough for 3-4 nights at a Category 1 Hotel (ie Four Points Sheraton), or 1 free night at a Category 5 Hotel (Westin & W Hotel). Or if you’re ambitious, 10,000 more points and get yourself a free domestic plane ticket.
The only drawback on this card is that there is a $45 annual fee (waived your first year!), but if you actively use this credit card, the points that you accumulate are well worth the $45. In addition, if you’re an aggressive bargain hunter, there are reports that you can waive the fee after the first year by calling American Express customer service and complaining about the fee. Twist their arm a little by threatening to cancel, and they *may* accommodate you depending on your spending levels.
SimplyCash® Business Card from American Express
The SimplyCash® Business Card from American Express comes in at #2 because they offer 3% cash back on gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases.
Starwood® 3 Free Hotel Nights
Chase 6% Rebate Gas Card

(27 votes, average: 3.56 out of 5)
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