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If you're a small business owner, you know that every little bit helps, especially if your work is rather seasonal. When you're in between busy periods, extra savings definitely come in handy and often makes a big difference.

This is why you should consider getting a business credit card. Get some great rewards for making purchases for your business, increase your savings, and get that little bit of extra wiggle room you've been craving for your business.

Or, depending on the card you decide to go with, reward yourself for all your hard work with what you earned. The choice is yours.

There are also some great features that only come with a business card, such as:

  • protection from employee card abuse,
  • access to business and expense management tools, and
  • extended payment options.

There are plenty of great small business cards out there, so here are some of our favourites.

Best business credit cards for 2020

At a glance – for all the best business cards for 2020, look no further.

CategoryCredit CardCurrent Welcome Bonus Offer
Best business credit cardCIBC Aventura Visa Card for BusinessUp to 35,000 points
Best travel business card for free hotel staysMarriott Bonvoy™ Business American Express Card50,000 points (terms)
Best business card for purchasing essentialsAmerican Express Business Edge™ CardUp to 42,000 points (terms)
Best no annual fee business credit cardBMO CashBack® Business Mastercard®*Up to 6% cash back (terms)

Review all 10 top business credit cards here.

Best business credit card

For the best business card you can get, the is a good option.

Why? It's all in the rewards. First, you'll get a welcome bonus worth up to 35,000 points – 20,000 after your first purchase, and another 15,000 after spending $3,000 in the first 4 months.

You'll also get some high earn rates on all of your purchases:

  • 2 points per $1 on travel purchased through CIBC Rewards,
  • 1.5 points per $1 spent on gas and other travel spending, and
  • 1 point per $1 on all other purchases.

Use your CIBC Reward points for flights using the Aventura Airline Rewards chart, book any travel through CIBC Rewards, or get things like merchandise, gift cards, and even statement credits.

Best business credit card for hotel stays

Find yourself frequently staying at hotels? The can help cover these costs.

It starts with a great welcome bonus – up to 50,000 Marriott Bonvoy points when you spend $1,500 in the first 3 months.

And piling up points doesn't end with the welcome bonus – keep earning points with these great earn rates:

  • 5 points per $1 spent at Marriott properties,
  • 3 points per $1 spent on gas, restaurants, and other travel purchases, and
  • 2 points per $1 everywhere else.

And it doesn't end there. With this card comes great Marriott perks as well:

  • automatic Silver Elite Status,
  • a free night voucher for a hotel stay worth up to 35,000 points,
  • upgrade to Gold Elite status when you spend $30,000 per year, and
  • 15 Elite Night Credits each calendar year that can be used towards attaining the next level of Elite status.

These perks are really what makes this card stand out over other business travel cards. Use the free nights and points to lower your business costs, or treat yourself to a little getaway paid for by your business spending.

And with super flexible points that can be used for free hotel nights, transfer to over 40 airline partners, or book cars and flights directly through Marriott Bonvoy, there's a great way to use your points.

Either way, this is a great card to carry. All for an annual fee of $150.

Best business card for purchasing essentials

For purchasing basic business essentials like office supplies, or paying phone bills and gas, the is a card to take a closer look at.

Why this one? You'll earn points at high rates on these items:

  • 3 points per $1 on office supplies, electronics, gas, rides, and restaurants, and
  • 1 point per $1 on all other purchases.

On top of these earn rates is a great welcome bonus. Earn 30,000 bonus points after spending $5,000 in the first 3 months. And, every month you spend $3,000 in the first year, you'll earn an additional 1,000 bonus points, up to 12,000 points earned.

All while collecting points in the Amex Membership Rewards program, one of the most flexible rewards programs available. You'll be able to use your points for a wide range of redemption options, some of which include:

  • Fixed Points Travel program, point value of 1.75 cents,
  • transfer to Marriott Bonvoy, point value of 1.16 cents,
  • redeem for any travel booking, point value of 1 cent, and
  • statement credits, point value of 0.7 cents.

Just note that transfer to airline partners isn't allowed with the points collected with this card.

It's a great, flexible rewards card for purchasing business essentials.

Best no annual fee business credit card

Want to earn business rewards with no annual fee? Our choice is the .

While no business credit cards without annual fees made the top 10, this card is our top no fee choice because of its great cash back earn rates on your business essentials:

  • 1.75% cash back at Shell stations,
  • 1.5% cash back at other gas stations, office supplies, and recurring phone and internet payments, and
  • 0.75% cash back on all other purchases.

Plus, in the first 4 months you'll earn 6% cash back on gas stations, office supplies, and recurring phone and internet bills, on the first $2,085 in spending on these categories.

For no fees and cash back, it's a great package for your business expenses.

Compare Business Credit Cards

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