Here are 14 business credit cards from our partners
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
American Express Blue Business Cash™ Card
Our pick for
Cash back: Bonus categories
on Chase's website
Our pick for
Cash back: Flat-rate rewards, no annual fee
on Chase's website
Our pick for
Cash back: Heavy spenders
on Capital One's website
Our pick for
Sign-up bonus (cash back)
on Capital One's website
Capital One Spark Cash Select - $500 Cash Bonus
on Capital One's website
Our pick for
Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
Our pick for
Overall travel rewards + big sign-up offer
on Chase's website
Our pick for
Luxury travel rewards
The Business Platinum Card® from American Express
Our pick for
Travel rewards: No annual fee
on Bank of America's website
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's website
Our pick for
Travel rewards: Flat-rate rewards
on Capital One's website
Capital One Spark Miles for Business
on Capital One's website
Our pick for
0% intro APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Our pick for
Hotel business card for free nights, flexible rewards
Marriott Bonvoy Business® American Express® Card
Our pick for
Hotel business credit card, sign-up bonus
The Hilton Honors American Express Business Card
Our pick for
No personal guarantee
on Ramp's website
FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS
OTHER RESOURCES
Who can get a small-business credit card?
Why get a business credit card?
How to get a business credit card
- 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.
How to compare business credit cards
Annual fee
Rewards structure
- 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.
- 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
Ongoing APR
Financing options
Free cards for employees
Expense management tools
Perks
How to get the most value out of your small-business card
Pay with your credit card whenever possible
Lock down that sign-up bonus
Know when your introductory 0% APR ends
Deduct interest and fees on your taxes
To recap our selections...
14 Best Business Credit Cards of August 2022
- American Express Blue Business Cash™ Card: Best for Overall business credit card
- Ink Business Cash® Credit Card: Best for Cash back: Bonus categories
- Ink Business Unlimited® Credit Card: Best for Cash back: Flat-rate rewards, no annual fee
- Capital One Spark Cash Plus: Best for Cash back: Heavy spenders
- Capital One Spark Cash Select - $500 Cash Bonus: Best for Sign-up bonus (cash back)
- The Blue Business® Plus Credit Card from American Express: Best for Intro APR + AmEx points
- Ink Business Preferred® Credit Card: Best for Overall travel rewards + big sign-up offer
- The Business Platinum Card® from American Express: Best for Luxury travel rewards
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for Travel rewards: No annual fee
- Capital One Spark Miles for Business: Best for Travel rewards: Flat-rate rewards
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 0% intro APR
- Marriott Bonvoy Business® American Express® Card: Best for Hotel business card for free nights, flexible rewards
- The Hilton Honors American Express Business Card: Best for Hotel business credit card, sign-up bonus
- Ramp Card: Best for No personal guarantee