Daily Driver Business Credit Card

Daily Driver Business Credit Cards – 2% Cash Back or 2x Points or Miles on Everything

ByGail Kellner Last Updated:

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Running a small business means every little bit counts. A “daily driver” card that earns at least 2% cash back (or 2x points or miles) on every purchase is a great choice because you don’t have to worry about categories or merchant codes—it just works.

A daily driver should be the first credit card you get and if you want to maximize your rewards, you can add a triple play credit card. Triple play credit cards earn 3% cash back (or 3x points or miles) or more on at least three categories. Check out a list of triple play business credit cards with no annual fee here. Next, consider adding a category king credit card to your wallet. Category king cards earn 5% cash back or more on at least one category.

Read more: Introducing the 1-2-3 Cash Back System to Maximize Your Rewards

But first, let’s focus on daily driver business credit cards. Here are our top picks.

Daily Driver Business Credit Cards

Capital One Spark Cash Plus 

Capital One Spark Cash Plus
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Our Rating: 4.8

★★★★★☆

Capital One Spark Cash Plus

Welcome Offer

$2,000 Cash Back

Est. Value

$2,000

Annual Fee

$150

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on other purchases.

Capital One Spark Cash Plus is an excellent choice for high-spend businesses with excellent credit. There is a sky-high welcome offer, although you will have to spend $30,000 in the first three months to earn it. Keep in mind this is a charge card, not a credit card, so you will have to pay your balance in full every month. However, you’ll earn 2% cash back on every purchase with no caps. If you spend $150,000 a year on your card, Capital One will refund the annual fee.

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • unlimited 2% cash back

Cons

  • Annual fee
  • Requires good credit
  • Pay your balance at the end of the month
App StatusDateCredit ScoreBureauCredit Limit
Approved11/01/2023
790
Not Provided
---

The American Express Blue Business Cash™ Card

American Express Blue Business Cash Card
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Our Rating: 4.6

★★★★★☆

The American Express Blue Business Cash™ Card

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

No annual fee

APR

17.99% – 25.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.

The American Express Blue Business Cash™ Card has a lot going for it. You get a straight 2% cash back on eligible purchases, up to $50,000 per calendar year, then 1%. There’s a decent welcome offer and no annual fee. You can also get 0% intro APR on purchases for the first 12 months from date of account opening, then 17.99% - 25.99% variable APR.

Terms Apply.

1% cash back
All eligible purchases
1% cash back on eligible purchases after spending $50,000.
2% cash back
All eligible purchases
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/20/2023
690
Not Provided
---
Approved08/23/2023
746
Experian
$10,000
Approved08/23/2023
752
TransUnion
$10,000
Approved08/23/2023
753
Equifax
$10,000
Approved09/12/2023
823
Experian
$5,000
Approved01/20/2024
717
Experian
$10,000
Approved01/20/2024
739
Equifax
$10,000
Approved01/20/2024
741
TransUnion
$10,000
Approved02/23/2023
680
Experian
$2,000

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express
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Our Rating: 4.5

★★★★★☆

The Blue Business® Plus Credit Card from American Express

Welcome Offer (Terms Apply)

Earn 15,000 Membership Rewards® points

Est. Value

Up to $300

Annual Fee

No annual fee

APR

17.99% – 25.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 2x points on everyday business purchases such as office supplies or client dinners. 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

The Blue Business® Plus Credit Card from American Express is great for business owners who don’t spend more than $50,000 annually. It’s similar to The American Express Blue Business Cash™ Card except that you earn points instead of cash back.

If you travel occasionally, this card can help you collect points that you can use to transfer to travel partners. Transferring points to travel partners can get you the most value for your points.

Terms Apply.

1x points
On all other eligible purchases
1x points on other purchases.
2x points
All eligible purchases
Earn 2x points on everyday business purchases such as office supplies or client dinners. 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2x points
  • 0% Intro APR

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2024
821
Equifax
$12,800
Approved04/06/2024
830
TransUnion
$12,800
Approved04/06/2024
841
Experian
$12,800
Denied12/11/2023
753
Not Provided
---

Capital One Venture X Business 

Capital One Venture X Business
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Our Rating: 4.9

★★★★★☆

Capital One Venture X Business

Welcome Offer

150,000 Miles

Est. Value

Up to $2,625

Annual Fee

$395

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn 10x miles on hotels and car rentals booked through Capital One Travel. Earn 5x miles on flights and vacation rentals booked through Capital One Travel. Earn an unlimited 2x miles on every purchase.

The Capital One Venture X Business is another pay-in-full card with a fantastic welcome offer and a base rate of 2x miles on every purchase. You can get a $300 travel credit which effectively makes the annual fee just $95. Cardholders also get 10,000 bonus miles every year on their cardmember anniversary. Using both of those benefits makes the annual fee worth it. You also get unlimited complimentary access to Capital One Lounges and 1,300+ lounges worldwide, including Priority PassTM lounges. You can also get up to $120 credit for TSA PreCheck® or Global Entry.

2x miles
All eligible purchases
Earn 2 Miles per dollar on every purchase.
5x miles
Select Categories
Earn 5 Miles per dollar on vacation rentals booked through Capital One Travel.
5x miles
Airfare
Earn 5 Miles per dollar on flights booked through Capital One Travel.
10x miles
Hotels
Earn 10 Miles per dollar on hotels booked through Capital One Travel.
10x miles
Rental Cars
Earn 10 Miles per dollar on rental cars booked through Capital One Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Unlimited 2X miles on every purchase

Cons

  • Annual fee
  • Requires good credit
  • Pay-in-full card
App StatusDateCredit ScoreBureauCredit Limit
Approved07/01/2023
752
Not Provided
---
Approved01/11/2024
780
Not Provided
---
Approved11/09/2023
768
Equifax
---
Approved11/09/2023
783
TransUnion
---
Approved11/09/2023
814
Experian
---
Denied12/31/2023
741
TransUnion
---
Denied12/31/2023
775
Equifax
---

Ink Business Premier® Credit Card 

Chase Ink Business Premier
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Our Rating: 4.7

★★★★★☆
Ink Business Premier® Credit Card

Welcome Offer

Earn $1,000 bonus cash back

Annual Fee

$195

APR

Flex for Business variable APR: 19.49% – 27.49% Variable

Credit Req’d

Good, Excellent

Rewards: Unlimited 5% total cash back on travel purchased through Chase TravelSM. Earn 2.5% total cash back on purchases of $5,000 or more. Earn unlimited 2% cash back on all other business purchases.

The Ink Business Premier® Credit Card tops our list because it earns 5% cash back on travel purchased through Chase TravelSM, 2.5% cash back on large purchases of $5,000 or more, and 2% cash back on all other business purchases. There’s a generous welcome offer and employee cards are free. This is a pay-in-full card, so you’ll need to pay your balance every month (but you should be doing that anyway). One quirk of this card is that although it does earn Chase Ultimate Rewards points, you can’t transfer those points to other Chase credit cards.

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more
5% cash back
Travel
Unlimited 5% total cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Annual fee
  • Requires good credit
  • Can't transfer points to other Chase cards or travel partners
App StatusDateCredit ScoreBureauCredit Limit
Approved06/27/2023
690
Experian
$10,000
Approved01/03/2023
755
Not Provided
$20,000
Approved01/03/2023
766
Not Provided
$20,000
Approved01/03/2023
768
Not Provided
$20,000

Wells Fargo Signify Business Cash(SM) Card 

Wells Fargo Signify Business Cash
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Our Rating: 4.5

★★★★★☆

Wells Fargo Signify Business Cash(SM) Card

Welcome Offer

$500

Est. Value

$500

Annual Fee

$0

APR

18.49% to 26.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn an unlimited 2% cash back on all eligible purchases.

The Wells Fargo Signify Business Cash(SM) Card is a new entry from Wells Fargo. There is an excellent welcome offer and a straight 2% cash back on all categories. You can also get a 0% intro APR on purchases for 12 months, then 18.49% to 26.49% variable APR. There is no annual fee, and employee cards are also free. It grants you access to Priority Pass lounges, but lounge fees apply.

2% cash back
All eligible purchases
Earn an unlimited 2% cash back on all eligible purchases

Pros

  • Welcome offer
  • No annual fee
  • Unlimited 2% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/29/2024
745
Experian
$12,000

TD Business Solutions Credit Card 

TD Bank Business Solutions Credit Card
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Our Rating: 4.5

★★★★★☆

TD Business Solutions Credit Card

Welcome Offer

Earn up to $750 in Cash Back value

Est. Value

Up to $750

Annual Fee

$0

APR

19.24%, 24.24% or 29.24% variable Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn 5% Cash Back on all eligible purchases for 6 months or up to $10,000 in spend, up to $500 in Cash Back value, then unlimited 2% cash back on all eligible purchases.

The TD Business Solutions Credit Card is a fantastic business credit card, especially for the first six months (or up to $10,000 in spend) because you’ll earn a whopping 5% cash back on all eligible purchases. After that, you’ll earn 2% cash back on eligible purchases with no limits or caps. This is in addition to the welcome offer, making the total value about $750. You can get cell phone protection when you pay your bill with your credit card, and there’s no annual fee.

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all eligible purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/24/2023
648
Equifax
$3,500
Approved04/24/2023
753
TransUnion
$3,500
Approved04/24/2023
754
Experian
$3,500

Summary

Smart business owners know to put all of their expenses on a credit card for an easy way to make an extra 2% cash back. Remember to pay your balance in full at the end of the month and enjoy the windfall.

Gail Kellner is an editorial assistant and contributing writer for Allcards.com and DoughRoller.net. According to family lore, money was one of her first words (“Mun-ya”) and ever since then, she’s been fascinated with money and investing. She has a B.A. in Psychology from Western CT State University and an M.S. in College Student Personnel from Indiana State University. She lives with her husband, two sons, and various fur-children in Westfield, MA. In her spare time, she writes YA and children’s fiction, reads, and enjoys a good nap.