Our Editors’ Picks for Best Small Business Credit Cards of 2021

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Last updated on August 4th, 2022

BestCards is known for its robust reviews from those who have spent the time to search the Internet looking for the best credit card products and benefits available to consumers and businesses. But we’re more than just reviews – we provide the insight and analysis on all aspects of credit cards, including discussions of the latest industry developments and trends.

At BestCards, credit card discussions extend well beyond the end of the business day. Our staff are always discussing what to look for in a credit card, and rarely is there a 100% consensus. 

Here are the top small business credit card picks for 2021 from our senior editorial staff, Allan and Cory:

Cory's Small Business Credit Card Picks

The Marriott Bonvoy Business™ American Express® Card is the ideal small business credit card for companies that send employees out into the world on business and want to maximize their rewards on those trips.  The card comes with an impressive welcome bonus of 75,000 bonus Bonvoy points after making just $3,000 in purchases within the first three months and features a huge assortment of bonus categories on purchases.

Businesses earn 6X pointes per dollar spent on eligible purchases at participating Marriott Bonvoy hotels, plus 4X points on dining, gas stations, shipping provider services, and wireless phone services purchased directly from the service providers. All other purchases earn 2X points.

Other benefits of the Marriott Bonvoy Business Card include one free night award every year, 15 Elite Night Credit every account anniversary, Silver Elite status in the Marriot Bonvoy loyalty program, free premium internet at Marriott properties, and more.

Another travel business card, the JetBlue Business Card from Barclays offers small companies the chance to maximize their airline rewards with one of the best carriers in the U.S. for a minimal annual fee.

The JetBlue Card earns an impressive 6X points on JetBlue purchases and 2X on dining and office supply store purchases. The card also comes with a 60,000-point sign-up bonus, with 50,000 points after spending $1,000 in the first 90 days and another 10,000 after an employee makes a first purchase on their additional card within the first 90 days of account opening.

The initial spend requirements are especially easy given that employee cards are complementary, making the card the perfect option for companies that fly often and want to ensure they get the most bang for their buck. Other flight-centric perks include 50% savings on inflight purchases of cocktails and food on JetBlue-operated flights, the first checked bag free for the cardholder and three companions on the same reservation, and a $100 JetBlue Vacations statement credit – not bad for a $99 annual fee!

Not all business credit cards feature complex reward programs or confusing bonus categories. Discover makes rewards simple with their Discover It Range, and its business card offering is no different.

The Discover it® Business Credit Card is a straightforward card designed for small business owners that want a flat-rate cash back rate of 1.5% back on all purchases, which Discover matches after the first year. The Discover Cashback Match is an exceptional bonus – even more so for companies that really plan to make use of their new card.

Add to that a 0% introductory APR on purchases for the first 12 months, no annual fees, and no foreign transaction fees, and the Discover Business card is a reliable, easy-to-use offer any small business can enjoy.

"Do my business card picks make the grade? Check me out on Twitter and let me know!"
Senior Editor

Allan's Top Small Business Card Picks

Divvy’s making waves as an all-in-one digital expense management tool for businesses. By combining its card product and proprietary software, Divvy can help you budget smarter and control your money, including spending from your employees.

That last bit is important. Divvy issues virtual cards, which generate a unique 16-digit card number each time you make an online purchase. This leads to better security and more control, as you can also assign a budget and limit for each virtual card you request. If getting a better handle on your business spending is at the top of your list, Divvy should be there also.

There’s hardly anything Amazon doesn’t sell these days, and businesses can benefit from the giant ecommerce company as much as average consumers. The Amazon Business Prime American Express Card gives you flexibility: either 5% back or 90-day terms on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods Market.

As a standard feature, you’ll earn up to 2% cash back on other purchases, including restaurants, gas stations, and wireless phone services in the U.S. Plus, since you’re a Prime member, you get 2-day shipping on almost anything you’ll be purchasing from the online marketplace.

Chase’s flagship business card product earns 3X points on shipping purchases; advertising purchases made with social media sites and search engines; Internet, cable and phone services purchases; or travel purchases. No matter what type of enterprise you run, chances are you can earn triple points per dollar on your expenses.

However, the cherry on top for this card is its current signup bonus: 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after opening an account. It’s a lofty sum, but for businesses both booming and on the rise, it’s a realistic goal that will net you big in rewards.

"Do you agree with my choices? Every business has unique needs so let me know what you are looking for on social media!"
Managing Edtor

Featured image by Matthew Henry / Burst

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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