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14 Best Business Credit Cards of August 2022

Written by Kelsey Sheehy
Edited by Mary M. Flory
Last updated on August 10, 2022

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The best business credit cards offer rewards, perks and bonuses — like cash back, major points on travel and 0% intro APR periods — that help you reach your business goals faster. Plus, if the card is used only for business expenses, its interest and fees can be tax-deductible.
Here are our picks for best small-business credit cards, along with information on how to apply for them and what makes them different from consumer cards. 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 14 business credit cards from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

American Express Blue Business Cash™ Card

Apply now

on American Express' website

5.0/5

Best for Overall business credit card

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash back: Bonus categories

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash back: Flat-rate rewards, no annual fee

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for Cash back: Heavy spenders

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

Capital One Spark Cash Select - $500 Cash Bonus

Apply now

on Capital One's website

4.6/5

Best for Sign-up bonus (cash back)

$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.8/5

Best for Intro APR + AmEx points

$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

5.0/5

Best for Overall travel rewards + big sign-up offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

5.0/5

Best for Luxury travel rewards

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

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

Apply now

on Bank of America's website

3.9/5

Best for Travel rewards: No annual fee

$0

1.5x-3x

Points

30,000

Points

Apply now

on Bank of America's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

4.9/5

Best for Travel rewards: Flat-rate rewards

$0 intro for the first year, then $95

2x

Points

50,000

Points

Apply now

on Capital One's website

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

Apply now

on US Bank's website

4.7/5

Best for 0% intro APR

$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

4.1/5

Best for Hotel business card for free nights, flexible rewards

$125

2x-6x

Points

125,000

Points

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

5.0/5

Best for Hotel business credit card, sign-up bonus

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

Ramp Card

Apply now

on Ramp's website

4.1/5

Best for No personal guarantee

$0

1.5%

Cashback

$0

Apply now

on Ramp's website

Our pick for

Overall business credit card

Read Review
Apply now

on American Express' website

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
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.

Our pick for

Cash back: Bonus categories

Read Review
Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$750
Recommended Credit Score
690-850good - excellent
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look.

Our pick for

Cash back: Flat-rate rewards, no annual fee

Read Review
Apply now

on Chase's website

Ink Business Unlimited® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Recommended Credit Score
690-850good - excellent
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.

Our pick for

Cash back: Heavy spenders

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
Big spenders can net a massive welcome bonus:
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
On top of that, there’s 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.

Our pick for

Sign-up bonus (cash back)

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Select - $500 Cash Bonus

4.6
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.

Our pick for

Intro APR + AmEx points

Read Review
Apply now

on American Express' website

The Blue Business® Plus Credit Card from American Express

4.8
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
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.

Our pick for

Overall travel rewards + big sign-up offer

Read Review
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
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 in a variety of categories.

Our pick for

Luxury travel rewards

Read Review
Apply now

on American Express' website

The Business Platinum Card® from American Express

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
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.

Our pick for

Travel rewards: No annual fee

Read Review
Apply now

on Bank of America's website

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

3.9
NerdWallet rating 
Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
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 fee.

Our pick for

Travel rewards: Flat-rate rewards

Read Review
Apply now

on Capital One's website

Capital One Spark Miles for Business

4.9
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.

Our pick for

0% intro APR

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

4.7
NerdWallet rating 
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
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.

Our pick for

Hotel business card for free nights, flexible rewards

Read Review
Apply now

on American Express' website

Marriott Bonvoy Business® American Express® Card

4.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
125,000 Points
Recommended Credit Score
690-850good - excellent
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 sign-up bonus and more, and it's hard to go wrong.

Our pick for

Hotel business credit card, sign-up bonus

Read Review
Apply now

on American Express' website

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points
Recommended Credit Score
690-850good - excellent
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.

Our pick for

No personal guarantee

Read Review
Apply now

on Ramp's website

Ramp Card

4.1
NerdWallet rating 
Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
300850poor - excellent
The Ramp Card skips the credit check and personal guarantee, making it a good option for business owners with poor credit but strong revenue. Perks include unlimited cash-back rewards and no annual fee.

FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Overall business credit card
The
American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also no annual fee. Read our review.
Our pick for: Cash back — bonus categories
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: Cash back — flat-rate rewards + no annual fee
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Read our review. 
Our pick for: Cash back — heavy spenders
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.
Our pick for: Overall travel rewards + big sign-up offer
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Travel rewards — flat-rate rewards
The
Capital One Spark Miles for Business
is basically a business version of the popular
Capital One Venture Rewards Credit Card
. You earn 2 miles per dollar on all purchases, and miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. Read our review.
Our pick for: Travel rewards — luxury rewards and perks
Like the consumer version of this card,
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Read our review.
Our pick for: Travel rewards — no annual fee
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Read our review.
Our pick for: Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
is a near-twin to the
American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Read our review.
Our pick for: 0% intro APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 16.24%-25.24% Variable APR
— all with a $
0
annual fee. Read our review.
Our pick for: Airline business credit card
The
United℠ Business Card
is a stand-out option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. A sign-up bonus, plus no annual fee for the first year, sweeten the pot. Read our review.
Our pick for: Airline business credit card with lounge access
If your business has you on the road a lot, you'll appreciate the airport lounge access on the
Delta SkyMiles® Reserve Business American Express Card
, which includes both Delta's own Sky Clubs and American Express's Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Terms apply. Read our review.
Our pick for: Hotel business credit card
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards, automatic elite status with Hilton and 10 free visits to select airport lounges each year (a rare perk for hotel cards). Rather than automatically granting a free night each year, like most hotel cards with annual fees, you have to spend at least $15,000 per calendar year to earn a free weekend night. Terms apply. Read our review. 
Our pick for: Hotel business card for free nights, flexible rewards 
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 offer and more, and it's hard to go wrong. Terms apply. Read our review.
Our pick for: No personal guarantee
The
Ramp Card
's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers unlimited cash-back rewards and card-level spending controls with no annual fee. Read our review.

OTHER RESOURCES

Who can get a small-business credit card?

Everyone from a CEO to a full-time freelancer or a sometimes gig worker can apply for a small-business credit card to help manage business-related expenses, earn rewards and grow their enterprise.
You don't need to be incorporated or have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply for small-business credit cards.

Why get a business credit card?

Business cards draw a line between your business and personal finances. When you use the card only for business spending, its interest and fees can be tax-deductible business expenses. And business credit cards offer rewards, perks and bonuses that rival (and in many cases surpass) those on consumer credit cards.

How to get a business credit card

If you’ve ever applied for a consumer credit card, you already know most of the steps toward getting a business credit card. The first step is applying.
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 include personal guarantees, where you agree to be personally liable for the debt accrued. This means you’re responsible for the balances even if your business 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.
How long does it take to get a business credit card? While some business credit cards advertise near-instant approval, you may need to wait a couple of weeks for your card if your credit isn't excellent.

How to compare business credit cards

First, take stock of your business’s spending habits to determine what type of card best suits your needs. Need to finance a big purchase? Consider a card with a 0% APR period. Spend a lot of time on the road? Look for a card with cash back or travel rewards.
Once you narrow down the type of card, evaluate and compare the following features to find the best card for your business.

Annual fee

Weigh the annual fee against any rewards you could earn from using the card. If you spend $200,000 a year on a card with a 2% rewards rate, for example, that's $4,000 a year in rewards (and far more than even the highest annual fee). Plus, annual fees are also deductible business expenses.
Opposed to paying a fee? Many of our picks for best business credit cards have no annual fee.

Rewards structure

If you opt for a rewards credit card, you'll have two choices to make. The first is whether you want a flat-rate card or a bonus-category card:
  • Flat-rate cards pay you the same rewards on every purchase, regardless of what you buy or where. If you want simplicity, or your business's expenses tend to run the gamut, a flat-rate card is your best bet.
  • Bonus-category cards pay a higher rewards rate in certain categories and a lower base rate on everything else. A bonus-category card is an excellent choice if you spend a lot of money in just a few areas. Typical bonus categories for business credit cards include things like office supplies, travel, telecommunications, advertising and shipping.
The second choice is whether you want your rewards as cash back or points.
  • Cash-back cards pay you back a certain percentage of every purchase. Flat-rate cards tend to offer 1% to 2% back — spend $1,000 on something, get $10 to $20 back. Bonus-category cards go as high as 5%. Cash back is most commonly redeemed as a credit against your account.
  • Points cards give you points or miles for each dollar you spend. These rewards can usually be redeemed for travel, though you may have other options, such as merchandise or cash back.

Introductory APR period

Some business credit cards 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.

Ongoing APR

Interest charges can easily eat up the value of your rewards, so prioritize a lower ongoing APR if you're going to carry a balance from month to month. If you plan to pay your credit card bill in full each month, then the ongoing APR doesn't have to be a major factor in your decision.

Financing options

Some small-business credit cards offer special financing options, such as a discount if you pay early or the ability to set up installment plans to pay off specific charges. These can be useful if your business is seasonal or subject to irregular cash flow.

Free cards for employees

If you're earning rewards, you'll want to get as much company spending on the card as possible. Many issuers allow you to get additional cards at no extra cost for employees who are authorized to spend money on behalf of the business. You also may be able to set spending limits or other restrictions on employee cards.

Expense management tools

Some cards come with programs that allow you to match photos of receipts to your card purchases in-app. Many also offer itemized end-of-year statements that help at tax time.

Perks

If your business has you traveling a lot, look for a card that can make your trip more comfortable. Co-branded airline and hotel cards offer special status and upgrades. Some cards give you access to airport lounges. Others provide travel insurance or rental car coverage for peace of mind.

How to get the most value out of your small-business card

Pay with your credit card whenever possible

For entrepreneurs who pay in full every month and don't overspend, using a rewards credit card for everything makes those points, miles or cash back add up fast. Avoid paying with a credit card when a convenience charge is added, if possible.

Lock down that sign-up bonus

To get your card's sign-up bonus, you typically need to make a few thousand dollars' worth of purchases in the first few months after opening the account. Check your card's terms and track your spending to make sure you don’t miss out.

Know when your introductory 0% APR ends

Read your credit card statements and make a note of when your promotional offer expires to avoid unpleasant surprises.

Deduct interest and fees on your taxes

If 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.
For more, see our guide to choosing a business credit card 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
Delta SkyMiles® Reserve Business American Express Card
, see this page.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
Last updated on August 10, 2022

To recap our selections...

14 Best Business Credit Cards of August 2022

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.

Frequently Asked Questions