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Best Business Credit Cards of March 2024

Find a small-business credit card that rewards your company’s spending.
By Kelsey Sheehy
Last updated on March 14, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 20 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your goals faster. You don’t need a business credit score, formalized business structure or even business revenue for most cards. Approval largely depends on personal credit history, so even freelancers and folks with an occasional side gig can qualify.
Consider where your business spends the most — telecom, advertising, travel, etc. — as you compare business cards that offer flat-rate cash back or travel points to those with higher rewards for certain categories. A combination of business credit cards may be the best way for your company to maximize perks, rewards and welcome offers, which are often more generous than what’s available with a personal credit card.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your goals faster. You don’t need a business credit score, formalized business structure or even business revenue for most cards. Approval largely depends on personal credit history, so even freelancers and folks with an occasional side gig can qualify.
Consider where your business spends the most — telecom, advertising, travel, etc. — as you compare business cards that offer flat-rate cash back or travel points to those with higher rewards for certain categories. A combination of business credit cards may be the best way for your company to maximize perks, rewards and welcome offers, which are often more generous than what’s available with a personal credit card.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Here are the best business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash-back business credit card

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel points + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Welcome offer + annual travel credit

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Businesses with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

5.0/5

Best for No preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

Best for Travel rewards (flat-rate)

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airport lounge access + travel credits

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal guarantee)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for No annual fee business travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Intro APR period (purchases and balance transfers)

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel business card

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline business credit card

$99

1x-2x

Miles

100,000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Bonus categories that sync with your spending

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 4X points on travel (up to $150K)

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on US Bank's website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash-back business credit card

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel points + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Welcome offer + annual travel credit

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Businesses with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

5.0/5

Best for No preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

Best for Travel rewards (flat-rate)

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airport lounge access + travel credits

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal guarantee)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for No annual fee business travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Intro APR period (purchases and balance transfers)

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel business card

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline business credit card

$99

1x-2x

Miles

100,000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Bonus categories that sync with your spending

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 4X points on travel (up to $150K)

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on US Bank's website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Apply now

on Chase's website

If your business spends heavily on office supplies, gas, restaurants or internet, cable and phone service, the
Ink Business Cash® Credit Card
is worth a look.

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Business charge card for heavy spenders

Capital One Spark Cash Plus

Apply now

on Capital One's website

Big spenders can net a massive welcome bonus, plus an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The
Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Our pick for

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Our pick for

Travel points + welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards for travel expenses and a variety of business categories.

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Our pick for

Cash back boost (up to 75% more)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

Earn an extra 25% to 75% cash back on every purchase when you couple the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
with a Bank of America business checking account and enroll in the bank's Preferred Rewards for Business program.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

Our pick for

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

This luxury travel card's perks include airport lounge access and an annual travel credit that easily offset the annual fee.

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Our pick for

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Come for the intro APR offer; stay for the cash back rewards.
The American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Our pick for

No preset spending limit

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

This business charge card has no preset spending limit and pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
(There's a big welcome bonus, too.)

Ink Business Premier℠ Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Apply now

on Capital One's website

The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.

Capital One Spark Miles for Business

NerdWallet rating 

4.8/5
Apply now

on Capital One's website

Our pick for

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at
$695
a year.

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Our pick for

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls and automatic receipt matching. Plus, there's no credit check or personal guarantee.

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Our pick for

No annual fee business travel card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid choice for business owners who want a travel card with robust ongoing rewards but no annual fee.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

Our pick for

Fair credit

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

The
Capital on Tap Business Credit Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns
1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR.

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

Our pick for

Unlimited 1.5% cash back

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

The
Capital One Spark Cash Select for Excellent Credit
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.

Capital One Spark Cash Select for Excellent Credit

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Our pick for

Intro APR period (purchases and balance transfers)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Our pick for

Hotel business card

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus offer and more, and it's hard to go wrong.

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Our pick for

Airline business credit card

United℠ Business Card

Apply now

on Chase's website

Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.

United℠ Business Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Startups with venture backing

Brex Card

Apply now

on Brex's website

The
Brex Card
doesn't require a personal guarantee and you can apply with an EIN only. This corporate charge card also has a decent welcome bonus and earns up to 7x rewards (terms apply).

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Our pick for

Bonus categories that sync with your spending

American Express® Business Gold Card

Apply now

on American Express' website

A chameleon of a business card, the
American Express® Business Gold Card
bonus rewards automatically adjust based on your spending so you earn 4X points on your top two spending categories each month (up to $150,000 in combined spending annually). Eligible categories include advertising, software, gas stations, restaurants, transit and wireless service. Only purchases made in the U.S. qualify for bonus categories.

American Express® Business Gold Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Our pick for

4X points on travel (up to $150K)

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

Apply now

on US Bank's website

You'll have to look hard to find another business credit card that gives you 4X points on up to $150,000 in combined travel expenses annually. And you can earn even more if you book via U.S. Bank's Reward Center. There's also a nice welcome offer and no annual fee for the first year.

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

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

NerdWallet's editorial picks: Best small-business credit cards

Our full list of the best small-business credit cards includes the
Ink Business Unlimited® Credit Card
,
Capital One Spark Cash Select for Excellent Credit
,
American Express® Business Gold Card
and the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
, among other options for cash back, travel rewards and more.
Explore details like welcome offers, reward rates and intro APR periods below, or click the card's name to read our full review. Before applying, confirm details on the issuer’s website.

Ink Business Premier℠ Credit Card

Best for: No preset spending limit
NerdWallet star rating:
5
.
Should you get the
Ink Business Premier℠ Credit Card
?
Businesses with frequent, big-ticket expenses will get the most value out of this charge card thanks to the cash-back boost (2.5% or purchases of $5,000 or more) and lack of a preset spending limit. But if you don’t make big purchases, it’s hard to justify the annual fee in a sea of stellar no annual fee business cards. Instead, look to the
Ink Business Cash® Credit Card
to earn up to 5% back in select bonus categories or the
Ink Business Unlimited® Credit Card
for a flat
1.5
% back on all your purchases.

The Business Platinum Card® from American Express

Best for: Airport lounge access + travel credits
NerdWallet star rating:
5
.
Should you get
The Business Platinum Card® from American Express
?
This card is built for business owners who spend more time in an airport than an office. Yes, it has a beast of an annual fee. But it includes some serious travel perks, including access to multiple airport lounge networks and automatic hotel elite status, plus credits for airline fees, wireless bills and trusted traveler programs. The sum total of these benefits easily offsets the annual fee — assuming you actually use them. If you’re not sure, opt for a business travel card like the
Ink Business Preferred® Credit Card
, which has a much more manageable annual fee.

American Express® Business Gold Card

Best for: Bonus categories that sync with your spending
NerdWallet star rating:
5
.
Should you get the
American Express® Business Gold Card
?
The biggest selling point of the
American Express® Business Gold Card
is the card's bonus categories: advertising, software, gas stations, restaurants, transit and wireless service (only purchases made in the U.S. qualify). You'll earn 4X points on your top two bonus categories each month, up to $150,000 in combined spend annually. And your bonus categories adjust automatically based on your spending. The
American Express® Business Gold Card
's biggest downside? The annual fee:
$375
(terms apply). While that's steep, it may be worth it. If you max out your bonus categories each year, for example, you'll net at least $5,700 worth of AmEx Membership Rewards. But if you're barely recouping the annual fee, there are better options out there, including the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
and
Ink Business Preferred® Credit Card
, which have similar bonus categories but much lower annual fees. Analyze your spending and run the numbers (this calculator can help) to determine if the juice is worth the squeeze.

Capital One Spark Cash Plus

Best for: Business charge card for heavy spenders
NerdWallet star rating:
5
.
Should you get the
Capital One Spark Cash Plus
?
This card is best for businesses with big expenses and the cash flow to match. You’ll earn
2
% cash back with no caps and receive a generous welcome bonus:
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
You can also get your $
150
annual fee refunded every year you spend at least $150,000. If you’re spending at that level, the
Ink Business Premier℠ Credit Card
is also worth a look. This card has a more attainable welcome bonus and earns 2.5% back on large purchases ($5,000 or more). The
Capital One Spark Cash Plus
is a charge card, so you need to pay your balance in full each month. (See rates and fees.)

Marriott Bonvoy Business® American Express® Card

Best for: Hotel business card for free nights, flexible rewards
NerdWallet star rating:
5
.
Should you get the
Marriott Bonvoy Business® American Express® Card
?
The free anniversary night benefit is reason enough to add this card to your business wallet. But the card’s ongoing usefulness depends on how often you have business travel that includes a hotel stay. If the answer is often, you can rack up a lot of points — and flex your elite status — with the
Marriott Bonvoy Business® American Express® Card
. Otherwise, opt for a general hotel card like the
Ink Business Preferred® Credit Card
or
Capital One Spark Miles for Business
.

Capital One Venture X Business

Best for: Welcome offer and annual travel credit
NerdWallet star rating:
5
.
Should you get the
Capital One Venture X Business
?
This beefed-up travel card is a great option for road warriors and frequent fliers who can't stomach the annual fee of other luxury travel cards, like the
The Business Platinum Card® from American Express
. For a more modest annual fee — $
395
vs. $
695
— the Venture X Business still offers premium perks, like a $300 annual travel credit on bookings through Capital One Travel and complimentary access to Priority Pass and Capital One airport lounges.
The Business Platinum Card® from American Express
does have a few more bells and whistles than the Venture X Business, but also a lower base rewards rate. (See rates and fees.)

Capital One Spark Cash Select for Excellent Credit

Best for: Unlimited 1.5% cash back
NerdWallet star rating:
5
.
Should you get the
Capital One Spark Cash Select for Excellent Credit
?
Simplicity is the name of the game for this business credit card. There's no annual fee, you earn
1.5
% back on all purchases (with no caps or restrictions) and there is no foreign transaction fee if you use your card abroad. (See rates and fees.) That makes the
Capital One Spark Cash Select for Excellent Credit
an easy card to carry, though not necessarily the most lucrative. You can net a bigger welcome offer and/or higher rewards rate with other cash back cards. If your business spends big in certain areas, like gas, office supplies or advertising, consider a card with bonus categories, like the
Ink Business Cash® Credit Card
or the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Best for: Balance transfer business card
NerdWallet star rating:
5
.
Should you get the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
?
Opt for this card if you need to finance a larger purchase or refinance existing credit card debt — it’s one of the few balance transfer cards for businesses. It’s also one of our top picks for business gas credit cards, offering 3% back at gas stations and restaurants to keep you fueled and fed while you’re on the road. You also earn that bonus rate at office supply stores and with cell phone providers. If your business spending is varied, or simply concentrated elsewhere, consider a more general cash back business card, like
The American Express Blue Business Cash™ Card
or the
Ink Business Unlimited® Credit Card
.

Ink Business Cash® Credit Card

Best for: Up to 5% cash back
NerdWallet star rating:
5
.
Should you get the
Ink Business Cash® Credit Card
?
Businesses that primarily spend on office supplies and telecom services will get the most value out of this card, provided you won’t blow through the $25,000 cap. If your spending is more varied, look to a flat-rate cash-back business card instead, like the
Ink Business Unlimited® Credit Card
or
The American Express Blue Business Cash™ Card
.

Ink Business Unlimited® Credit Card

Best for: Cash-back business credit card
NerdWallet star rating:
5
.
Should you get the
Ink Business Unlimited® Credit Card
?
This is an excellent business card if you want simple rewards, a big signup bonus and flexible redemption options. Cash back is earned as Chase Ultimate Rewards, which can be redeemed for a statement credit or travel, among other things. And if you carry other Chase cards in your wallet, like the
Ink Business Preferred® Credit Card
or the Chase Sapphire Preferred® Card, you can transfer your Ultimate Rewards to net a higher redemption rate. Plan to spend less than $50,000 per year? Give
The American Express Blue Business Cash™ Card
a look. It has a slightly higher rewards rate, but has an annual cap on the highest rewards.

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

Best for: 4X points on travel (up to $150K)
NerdWallet star rating:
5
.
Should you get the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
?
U.S. Bank's business travel card hits that sweet spot between basic, no-annual-fee travel cards that offer minimal rewards and high-end travel cards with annual fees that match. The Business Altitude Connect's travel reward rate is unmatched, even by luxury travel cards, and includes expenses like gas and EV charging stations, as well as hotels, airfare and rental cars. And its annual fee is low:
$0 intro for the first year, then $95
. While the Business Altitude Connect does have some added perks, including a rideshare credit and Priority Pass digital membership with four free visits per year, it doesn't confer elite status or travel credits. And you can't transfer points to external travel partners, which could make your points go farther. If those things are important to you, check out the
Ink Business Preferred® Credit Card
or the
Capital One Venture X Business
.

United℠ Business Card

Best for: Airline business credit card
NerdWallet star rating:
5
.
Should you get the
United℠ Business Card
?
If you regularly fly with United, this card is a smart add to your business wallet. You can get perks like free checked bags, United Club passes, bonus miles each anniversary and an annual travel credit. Terms apply. But business owners who fly with multiple airlines will be better served by a general business travel card, like the
Ink Business Preferred® Credit Card
or the
Capital One Spark Miles for Business
, which offer more ways to redeem your rewards.

Ink Business Preferred® Credit Card

Best for: Travel points + welcome offer
NerdWallet star rating:
4.9
.
Should you get the
Ink Business Preferred® Credit Card
?
This is one of our favorite business travel cards and is a good fit for companies that spend primarily on flights, hotels and rental cars. Make sure you can hit the spending requirement for the welcome bonus, as that adds a ton of value to this card. The
Ink Business Preferred® Credit Card
’s main drawback: You don’t get extras like lounge access and travel credits.
The Business Platinum Card® from American Express
is chock full of premium travel perks if that’s what you’re after, but has a monster of an annual fee.

The American Express Blue Business Cash™ Card

Best for: Intro APR + up to 2% cash back
NerdWallet star rating:
4.9
.
Should you get
The American Express Blue Business Cash™ Card
?
Consider this card if you need to finance a major purchase or have other big upfront costs. It’s also a great option for entrepreneurs who want to earn a high cash-back rate without worrying about bonus categories. But if you spend big in specific categories, like office supplies or telecom, you can earn more with with the
Ink Business Cash® Credit Card
. And there are better, more lucrative travel rewards cards if that’s what you’re after.

Capital One Spark Miles for Business

Best for: Travel rewards (flat-rate)
NerdWallet star rating:
4.8
.
Should you get the
Capital One Spark Miles for Business
?
Go with the
Capital One Spark Miles for Business
if you don’t mind booking the bulk of your travel through Capital One Travel, since that’s how you’ll earn the most rewards. This business travel card is also a good pick if you’re due to sign up, or renew, your Global Entry or TSA Precheck — you’ll get a credit if you pay for it with your
Capital One Spark Miles for Business
card. (See rates and fees.) Need more flexibility when booking travel? Opt for the
Ink Business Preferred® Credit Card
, which offers up to 3x points on travel, regardless of where you book it. Just note: You’ll net a lower reward rate on some nontravel purchases. And the
Ink Business Preferred® Credit Card
won’t reimburse you for trusted traveler programs.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®

Best for: Cash back boost (up to 75%)
NerdWallet star rating:
4.7
.
Should you get the
Business Advantage Unlimited Cash Rewards Mastercard®
?
If you have a Bank of America business checking account, the
Business Advantage Unlimited Cash Rewards Mastercard®
is almost a no-brainer. Its rewards boost for Preferred Rewards for Business members turns the standard cash-back rate (
1.5%
) into 2.62% if you qualify for the highest tier. The card is less compelling if Bank of America isn't your primary business bank. Instead, check out the
Ink Business Unlimited® Credit Card
which offers the same rewards rate but with a longer intro APR period and more than double the welcome offer.

The Blue Business® Plus Credit Card from American Express

Best for: Business card for new businesses
NerdWallet star rating:
4.6
.
Should you get the
The Blue Business® Plus Credit Card from American Express
?
If you like
The American Express Blue Business Cash™ Card
, but wish it offered more redemption options, this is your card. You get the same great reward rate and intro APR period, still with no annual fee. But you’ll earn Membership Rewards points, which you can redeem for travel (1 point = $1), instead of straight cash back. While you can redeem points as a statement credit, you’ll lose some value. Another point to consider: This card has a foreign transaction fee, and AmEx isn’t as widely accepted abroad, making this a poor choice for regular international business travel. The
Ink Business Preferred® Credit Card
or
Capital One Spark Miles for Business
would be a better option.

Capital on Tap Business Credit Card

Our pick for: Fair credit
NerdWallet star rating:
3.9
.
Should you get the
Capital on Tap Business Credit Card
?
This card is a great option for business owners with fair credit. The issuer says applicants with a FICO score of 670 or higher have the best chance of approval. Most other business credit cards require a personal FICO score of at least 690. If you have good-to-excellent credit, you might qualify for Capital on Tap’s super low interest rates. But you could also get better rewards and a bigger signup bonus with a number of other cards, including the
Ink Business Unlimited® Credit Card
or the
The Blue Business® Plus Credit Card from American Express
. Note: The
Capital on Tap Business Credit Card
is not available to sole proprietors.

Bank of America® Business Advantage Travel Rewards World Mastercard®

Best for: No annual fee business travel card
NerdWallet star rating:
3.8
.
Should you get the
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
?
This card is a smart choice if you want a travel card and already do your business banking with Bank of America. Cardholders who qualify for the bank’s Preferred Rewards for Business program can earn up to 2.62 points per dollar spent — a base rate that beats even the best business cards. Not a Bank of America customer? The case is less clear cut. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid starter card, with no annual fee and straightforward rewards. But for a relatively small annual fee, you can net a massive welcome bonus — and more valuable rewards — with the
Ink Business Preferred® Credit Card
.

Ramp Card

Best for: Corporate card (no personal guarantee)
NerdWallet star rating:
3.7
.
Should you get the
Ramp Card
?
Incorporated businesses with strong financials should look to Ramp if you want a business card with no personal guarantee. The card isn’t flashy; you’ll get simple, straightforward rewards plus business-friendly benefits like receipt matching, spending controls and expense management tools. If you want a corporate card that maximizes potential rewards, consider
Brex Card
instead, which earns up to 7 points per dollar in certain bonus categories.

Brex Card

Best for: Corporate card for startups
NerdWallet star rating:
3.1
.
Should you get the
Brex Card
?
Well-funded startups looking for a corporate card will find a lot to like with the
Brex Card
, especially when coupled with the Brex Cash account. The
Brex Card
features real-time expense tracking, spending controls and the potential to earn big rewards in select categories. Since this is a corporate card, it’s not available to sole proprietors. Prefer a card with flat-rate rewards? Check out the
Ramp Card
. Not married to a corporate card? Net a big welcome bonus and big rewards with the
Ink Business Cash® Credit Card
.

Compare more business credit cards

🤓 Nerdy Tip

There are a number of benefits to having a business credit card, from building your business credit score to earning lucrative rewards, but late fees and interest charges can quickly chip away at the value of those perks. Careful, considered usage can help ensure you get the maximum value out of your small-business card.

Business credit cards by interest rate

The interest rate on your business credit card is an important factor to consider when comparing options. Rates have risen steadily over the past year, moving in step with the federal funds rate, increasing costs for business owners who carry a balance.
Most business cards offer an APR range; you need excellent credit (typically a FICO score above 720) to secure the lowest rate. Charge cards like
Capital One Spark Cash Plus
and
Brex Card
don't advertise an APR range because these cards require the balance to be paid in full each month.

Types of business credit cards

One blue credit card with a green card behind it.
Cash backSome cash back cards offer up to 5% back in certain categories, other offer a flat rate of 1%-2% on all business purchases.
A blue credit card with a golden plane at the bottom and a palm tree at the top.
Travel rewardsRack up points or miles to redeem on future travel and get perks like lounge access, free hotel stays and statement credits for Global Entry.
Cash and coins.
Charge cardsBusiness charge cards have no pre-set spending limit — a draw for busineses with large operating budgets — but you must pay your balance in full each month.
A green credit card.
Corporate cardsApproval is based on your business financials, not your personal credit, and cards do not require a personal guarantee.

Your guide to choosing a business credit card

How to find the best business credit card for you

A simple cash-back business credit card with no annual fee is a great choice for most businesses. But it can pay to look at your spending to see whether there’s a better fit.
Spend a lot of time on the road? Look for a business card with travel perks like lounge access and preferred status. Spend a lot period? Then a card with an annual fee but a high rewards rate might justify the additional cost. (Plus, annual fees are deductible business expenses.)
If you’re going to carry a balance from month-to-month, prioritize a lower ongoing APR. Some business credit cards even offer a 0% interest rate for the first year, or longer. This can be of great benefit if you have a major business-related purchase you're looking to finance.

🤓 Nerdy Tip

Looking to get the most rewards possible? Consider combining multiple business credit cards — like a flat-rate card and one with bonus categories. Having more than one card means you'll need to track more spending (and bills). But card issuers often have complementary options in their portfolios, which can help limit some of the management.

What you need to apply for a business credit card

Applying for a business credit card is pretty straightforward. Business credit card applications typically ask for the following:
  • Business name. No formal business name? Just use your name.
  • Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
  • Employer identification number or Social Security number.
  • Industry. This can be a broad category like retail, medical or professional services, or something more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
  • Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
  • Time in business, revenue and expenses.
  • Personal guarantee. Virtually all small-business credit card applications require a personal guarantee. This means you’re personally responsible for the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.
Business credit cards, like consumer cards, consider your personal credit history to determine approval, interest rates and credit limits. Applying for a business card may ding your personal credit score, but only a little and only for a short time. If your personal credit history is thin or poor, bad-credit business credit cards are available.

4 tips to maximize business credit card rewards

A person looking at a mobile phone.
1. Use your card if possibleUsing a business credit card for all of your purchases makes those points, miles or cash back add up fast. But always pay on time and in full to stop late fees and interest charges from eating away at your rewards.
A calculator with cash next to it.
2. Lock down that bonusYou typically need to spend $3,000 to $6,000 within three months to earn a welcome bonus (some cards require more). Plan ahead and track your spending to ensure you don’t miss out.
Cash with a green percentage sign on the top-right corner.
3. Leverage every perkCash back and travel points are often just the tip of the iceberg. Several cards offer discounts or credits on things like software subscriptions, cell phone services and travel expenses when you pay with your card.
Paper documents wrapped with a ribbon that has a checkmark on it.
4. Deduct interest and feesIf you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.

Business credit cards: frequently asked questions

To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.
To view rates and fees of the
American Express® Business Gold Card
, see this page.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
To view rates and fees of
Capital One Spark Cash Plus
, see this page.
To view rates and fees of
Capital One Spark Miles for Business
, see this page.
To view rates and fees of
Capital One Spark Cash Select for Excellent Credit
, see this page.
Last updated on March 14, 2024

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
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