8 Triple Play Business Credit Cards

Business credit cards that offer at least 3% cash back or 3x points or miles in three or more categories are both rare and valuable. We call these cards triple play credit cards. A triple play card is a good addition to your wallet after you already have a daily driver business card: a card that earns 1.5% or 2% on everything. Use the triple play card for the categories for the 3% or 3x rewards categories, and the daily driver for everything else.

To maximize your credit card rewards, you can also consider adding a category king business credit card to your wallet. Category king cards earn 5% cash back or 5x points or miles on at least one category.

But first, let’s take a look at the triple play credit cards below.

Triple Play Business Credit Cards

Ink Business Preferred® Credit Card

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Our Rating: 4.7

★★★★★☆

Ink Business Preferred® Credit Card

Welcome Offer

Earn 90,000 bonus points

Est. Value

Up to $1,125

Annual Fee

$95

APR

21.24%-26.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases.

The Ink Business Preferred® Credit Card pays 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. There’s also an excellent welcome offer, and your points are worth 25% more when you redeem them for travel through Chase Travel^SM.

1x points

On all other eligible purchases

Earn 1 point per $1 on all other purchases

3x points

All eligible purchases

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Pros

Welcome offer
No foreign transaction fee
Earns Chase Ultimate Rewards points
Earn up to 3x points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/04/2023	760	Not Provided	---
Approved	09/26/2023	746	Experian	$5,500
Approved	09/26/2023	764	TransUnion	$5,500
Approved	09/26/2023	798	Equifax	$5,500
Approved	12/27/2023	710	Not Provided	$14,500
Approved	07/03/2023	755	Experian	$14,500
Approved	09/21/2023	816	Not Provided	---
Approved	01/06/2024	825	Experian	$10,000
Approved	01/06/2024	845	Equifax	$10,000
Approved	01/06/2024	845	TransUnion	$10,000
Approved	10/31/2023	788	Experian	$63,000
Approved	10/31/2023	804	TransUnion	$63,000

Ink Business Cash® Credit Card

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Our Rating: 4.8

★★★★★☆

Ink Business Cash® Credit Card

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400

Est. Value

$750

Annual Fee

APR

18.49% – 24.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

The Ink Business Cash® Credit Card has an excellent welcome offer. You also earn elevated rewards on several business categories. There’s also no annual fee. It’s a perfect credit card for small businesses that won’t go over the rewards cap.

1% cash back

On all other eligible purchases

Earn 1% cash back on all other purchases.

2% cash back

Dining

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

2% cash back

Gas

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

5% cash back

Select Categories

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

Pros

Welcome offer
No annual fee
Up to 5% cash back
Earns Chase Ultimate Rewards points

Cons

Foreign transaction fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	12/13/2023	781	Experian	$3,000
Approved	12/13/2023	805	TransUnion	$3,000
Approved	12/13/2023	811	Equifax	$3,000
Approved	01/03/2023	753	Experian	---
Approved	07/04/2023	755	Experian	$3,500
Approved	07/04/2023	791	Equifax	$3,500
Approved	07/04/2023	815	TransUnion	$3,500
Approved	01/06/2023	757	TransUnion	$5,000
Approved	01/06/2023	763	Equifax	$5,000
Approved	01/06/2023	764	Experian	$5,000
Approved	01/12/2024	810	TransUnion	$4,000
Denied	08/10/2023	763	Experian	---

American Express® Business Gold Card

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Our Rating: 4.5

★★★★★☆

American Express® Business Gold Card

Welcome Offer (Terms Apply)

Earn 100,000 Membership Rewards® points

Est. Value

Up to $2,000

Annual Fee

$375

APR

18.99% – 27.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 4x Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1x points on other eligible purchases. Terms Apply.

American Express® Business Gold Card is for business owners who spend a lot in at least two of the following categories:

Purchases at US media providers for advertising in select media (online, TV, radio)
U.S. purchases made from electronic goods retailers and software & cloud system providers
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases at gas stations
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

You’ll earn 4x points on the two categories you spend the most money on the first $150,000 in combined purchases from these categories each calendar year, then 1x points thereafter. You’ll also earn 3x points on flights and prepaid hotels booked on amextravel.com. There are also some credits that you may find useful, such as up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal). There’s also up to $20 in statement credits monthly (up to $240 in annual savings) after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores (enrollment required).

Terms Apply.

1x points

On all other eligible purchases

1X is earned for other eligible purchases.

3x points

Airfare

Earn 3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.

3x points

Hotels

Earn 3X Membership Rewards® points on prepaid hotels booked on amextravel.com using your Business Gold Card.

4x points

Select Categories

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Pros

Welcome offer
No foreign transaction fee
Up to 4X Points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/01/2024	760	Not Provided	---
Approved	07/15/2023	709	Equifax	---
Approved	07/15/2023	715	Equifax	---
Approved	07/15/2023	719	TransUnion	---
Approved	07/15/2023	724	Experian	---
Approved	07/15/2023	726	TransUnion	---
Approved	01/10/2024	797	Experian	---
Approved	10/13/2023	682	Equifax	---
Approved	10/13/2023	721	Experian	---
Approved	10/13/2023	732	TransUnion	---
Approved	06/06/2023	780	Not Provided	---
Approved	01/22/2024	725	Experian	---

Marriott Bonvoy Business® American Express® Card

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Our Rating: 4.4

★★★★★☆

Marriott Bonvoy Business® American Express® Card

Welcome Offer (Terms Apply)

Earn 5 Free Night Awards,

Est. Value

5 Free Night Awards

Annual Fee

$125

APR

20.49% – 29.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 6x Marriott Bonvoy points on eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases at U.S. gas stations, restaurants worldwide, U.S. shipping purchases, and on wireless telephone services purchased directly from U.S. service providers. Earn 2x points on all other eligible purchases. Terms Apply.

Marriott Bonvoy Business® American Express® Card is great for business travelers who prefer to stay at Marriott hotels. Not only do you get elevated rewards at hotels participating in the Marriott Bonvoy® program, but you earn elevated rewards on many common business expenses such as U.S. shipping and U.S. cell phone service. There are also no foreign transaction fees.

Terms Apply.

2x points

On all other eligible purchases

Earn 2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases.

4x points

Cell phone service

Earn 4x points on wireless telephone services purchased directly from U.S. service providers.

4x points

Select Categories

Earn 4x points on U.S. purchases for shipping.

4x points

Dining

Earn 4x points for purchases made at restaurants worldwide.

4x points

Gas

Earn 4x points for purchases made at U.S. gas stations.

6x points

Hotels

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

Pros

Welcome offer
No foreign transaction fee
Up to 6x points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/03/2023	819	Experian	$10,000
Approved	12/04/2023	757	Equifax	$3,000
Approved	12/04/2023	773	Experian	$3,000
Approved	12/04/2023	794	TransUnion	$3,000

U.S. Bank Triple Cash Rewards Visa® Business Card

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Our Rating: 4.5

★★★★★☆

U.S. Bank Triple Cash Rewards Visa® Business Card

Welcome Offer

$750

Est. Value

$750

Annual Fee

APR

18.49% – 27.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. Earn 3% cash back on eligible purchases at restaurants, gas stations and EV charging stations, office supply stores and cell phone service providers. Earn 1% cash back on other eligible purchases.

The U.S. Bank Triple Cash Rewards Visa® Business Card has a generous welcome offer and rewards in many categories that businesses depend on. It also has a $100 credit for recurring software subscriptions such as QuickBooks or FreshBooks. And if you’re still getting started or expanding, you will appreciate the 0% intro APR offer on purchases for the first 12 months, then 18.49% - 27.49% variable APR.

1% cash back

On all other eligible purchases

1% cash back on all other eligible purchases.

3% cash back

Cell phone service

Earn 3% cash back on eligible purchases at cell phone service providers.

3% cash back

Office Supplies

Earn 3% cash back on eligible purchases at office supply stores.

3% cash back

Dining

Earn 3% cash back on eligible purchases at restaurants.

3% cash back

Gas

Earn 3% cash back on eligible purchases at gas stations and EV charging stations.

5% cash back

Hotels

Earn 5% cash back on prepaid hotels booked directly in the Travel Rewards Center.

5% cash back

Rental Cars

Earn 5% cash back on prepaid car rentals booked directly in the Travel Rewards Center.

Pros

Welcome offer
No annual fee
Up to 3% cash back

Cons

Foreign transaction fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/27/2023	765	Experian	$3,000
Approved	04/27/2023	774	TransUnion	$3,000
Approved	04/27/2023	779	Equifax	$3,000
Approved	05/12/2023	800	Not Provided	$13,000
Approved	04/05/2023	780	Equifax	$10,000
Approved	05/01/2023	750	TransUnion	$25,000
Denied	10/02/2023	746	Experian	---
Denied	10/02/2023	752	TransUnion	---
Denied	10/02/2023	753	Equifax	---

U.S. Bank Business Altitude Connect World Elite Mastercard®

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Our Rating: 4.5

★★★★★☆

U.S. Bank Business Altitude Connect World Elite Mastercard®

Welcome Offer

60,000 points

Est. Value

$600

Annual Fee

$0 for the first year, $95 per year thereafter

APR

19.49% – 26.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5x points on hotels and car rentals when booked directly through the Rewards Center. Earn 4x points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend. Earn 2x points on dining, takeout, restaurant delivery, and cell phone service. Earn 1x points on other purchases.

The U.S. Bank Business Altitude Connect World Elite Mastercard® has a great welcome offer. You also earn elevated rewards on several business purchases including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spending. That’s a pretty high spending cap. It has a reasonable annual fee, no foreign transaction fees, and good travel benefits.

1x points

On all other eligible purchases

Earn 1x point on all other purchases.

2x points

Cell phone service

Earn 2x points on cell phone service.

2x points

Dining

Earn 2x points on dining, takeout and restaurant delivery.

4x points

Travel

Earn 4x points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend.

4x points

Gas

Earn 4x points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend.

5x points

Hotels

Earn 5x points on hotels when booked directly through the Rewards Center.

5x points

Rental Cars

Earn 5x points on car rentals when booked directly through the Rewards Center.

Pros

Welcome offer
No foreign transaction fee
Four airport lounge visits
Up to 5x points

Cons

High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/18/2023	779	TransUnion	$14,000
Approved	06/12/2023	802	TransUnion	$18,700

Costco Anywhere Visa® Business Card By Citi

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Our Rating: 4.0

★★★★☆

Costco Anywhere Visa® Business Card By Citi

Welcome Offer

None

Est. Value

None

Annual Fee

$0 (requires Costco membership)

APR

19.99% – 27.99% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter. Earn 3% cash back on restaurants, eligible travel, including Costco Travel. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

The Costco Anywhere Visa® Business Card By Citi offers cash back rewards in several categories, but the rewards on gas combined with the competitive prices for gas at Costco gas stations make it a standout. There is no welcome offer, and gas and EV charging rewards are limited to the first $7,000 per year. However, $7,000 a year is $583 a month, and most people don’t spend that much on gas. Another caveat is that whatever rewards you earn can only be redeemed once a year, in February, at Costco.

1% cash back

On all other eligible purchases

Earn unlimited 1% on all other purchases

2% cash back

Select Categories

Earn unlimited 2% on all other purchases from Costco and Costco.com

3% cash back

Travel

Earn 3% cash back on eligible travel, including Costco Travel

3% cash back

Dining

Earn unlimited 3% on restaurants

4% cash back

Gas

Earn 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter.

Pros

No annual fee
No foreign transaction fee
Up to 4% cash back

Cons

No welcome bonus
High APR
Requires good credit
Requires Costco membership

No data available.

GM Business Card/Marcus by Goldman Sachs®

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Our Rating: 3.0

★★★☆☆

GM Business Card/Marcus by Goldman Sachs®

Welcome Offer

Get $750 in Bonus Earnings

Est. Value

$750

Annual Fee

APR

18.74% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: 5% earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GM Dealers. 3% earnings on purchases at gas stations, restaurants and office supply stores. 1% earnings on all other purchases.

The GM Business Card/Marcus by Goldman Sachs® Is great for business owners with a fleet of GM vehicles. There is a welcome offer and it earns great rewards. We also like that there’s no annual fee and no foreign transaction fees. However, you can only redeem your rewards for purchasing or leasing a new GM vehicle.

1% cash back

On all other eligible purchases

Get 1% cash back on all other purchases

3% cash back

Office Supplies

Get 3% earnings at office supply stores

3% cash back

Dining

Get 3% earnings at restaurants

3% cash back

Gas

Get 3% earnings at gas stations

5% cash back

Select Categories

Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GM Dealers

Pros

Welcome offer
No annual fee
No foreign transaction fee
Up to 5% cash back

Cons

High APR
Requires good credit
Limited redemption options (one)

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/30/2023	680	Equifax	$12,000
Denied	12/29/2023	750	Not Provided	---
Denied	01/20/2024	733	Equifax	---

Summary

Business cards that pay 3% or more in at least three categories are unique and valuable. Choose the card that pays elevated rewards in the categories where you spend the most money. Pair it with a daily driver card and enjoy the extra cash.