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. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money.
Best business credit cards of January 2025
- American Express® Business Gold Card: Best for bonus categories that sync with your spending.
- The American Express Blue Business Cash™ Card: Best for businesses with annual spend below $50K.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured: Best for seured business credit card.
- The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
- Brex Card: Best for corporate card (no personal guarantee).
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- Capital One Spark Cash: Best for no foreign transaction fee (see rates and fees).
- Capital One Spark Cash Plus: Best business charge card (no preset spending limit).
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Capital One Spark Miles for Business: Best for travel reards (flat-rate).
- Capital One Venture X Business: Best for business travel card.
- Ink Business Cash® Credit Card: Best for up to 5% cash back in bonus categories.
- Ink Business Preferred® Credit Card: Best for travel points + welcome offer.
- Ink Business Unlimited® Credit Card: Best for cash-back business credit card.
- Ink Business Premier® Credit Card: Best business card card for large purchases ($5K or higher).
- Marriott Bonvoy Business® American Express® Card: Best for hotel business card.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for intro APR period (purchases and balance transfers).
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for 4X points on travel (up to $150K).
- United℠ Business Card: Best for airline business travel card.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money.
Best business credit cards of January 2025
- American Express® Business Gold Card: Best for bonus categories that sync with your spending.
- The American Express Blue Business Cash™ Card: Best for businesses with annual spend below $50K.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured: Best for seured business credit card.
- The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
- Brex Card: Best for corporate card (no personal guarantee).
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- Capital One Spark Cash: Best for no foreign transaction fee (see rates and fees).
- Capital One Spark Cash Plus: Best business charge card (no preset spending limit).
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Capital One Spark Miles for Business: Best for travel reards (flat-rate).
- Capital One Venture X Business: Best for business travel card.
- Ink Business Cash® Credit Card: Best for up to 5% cash back in bonus categories.
- Ink Business Preferred® Credit Card: Best for travel points + welcome offer.
- Ink Business Unlimited® Credit Card: Best for cash-back business credit card.
- Ink Business Premier® Credit Card: Best business card card for large purchases ($5K or higher).
- Marriott Bonvoy Business® American Express® Card: Best for hotel business card.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for intro APR period (purchases and balance transfers).
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for 4X points on travel (up to $150K).
- United℠ Business Card: Best for airline business travel card.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Cash-back business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
No preset spending limit Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Business card for new businesses The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Businesses with annual spend below $50K The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Bonus categories that sync with your spending American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.3/5 | $375 | 1x-4x Points | 100,000 Points | Apply now on American Express' website Rates & Fees |
Unlimited 1.5% cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.6/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Travel points + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.8/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
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 | 4.6/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Airport lounge access + travel credits The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.5/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Business travel card Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 4.9/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Travel rewards (flat-rate) Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.7/5 | $0 intro for the first year, then $95 | 2x-5x Miles | 50,000 Miles | Apply now on Capital One's website Rates & Fees |
Intro APR period (purchases) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Hotel business card Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Business charge card Ink Business Premier® Credit Card Apply now on Chase's website | 4.7/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
No foreign transaction fees Capital One Spark Cash Apply now on Capital One's website Rates & Fees | 4.7/5 | $0 intro for the first year, then $95 | 2%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
4X points on travel (up to $150K) U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Airline business credit card United℠ Business Card Apply now on Chase's website | 4.7/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
I'M INTERESTED IN:
Our pick for
Cash-back business credit card
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This is an excellent business card if you want simple rewards, a big sign-up 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.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
No preset spending limit
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
This card is best for businesses with big expenses and the cash flow to match. There's no preset spending limit and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Up to 5% cash back in bonus categories
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
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.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- 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. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Business card for new businesses
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
You get a great reward rate, a long intro APR period and no annual fee. Plus, you’ll earn Membership Rewards points, which you can redeem for travel (1 point = $1) or as a statement credit for a slightly lower value.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Businesses with annual spend below $50K
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
You get a long intro APR period and high cash-back rate without worrying about bonus categories. But the card's highest rewards (2%) only apply to the first $50,000 in spending each year — a relatively low cap for many business owners.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
You'll earn 4X points on your top two eligible bonus categories each month, up to $150,000 in combined spend annually. And your bonus categories adjust automatically based on your spending. The biggest downside? The annual fee.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Our pick for
Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Simplicity is the name of the game for this business credit card. There's an excellent flat cash-back rate, no annual fee and no foreign transaction fees — a rare feature for a cash-back card and a major plus if you purchase inventory overseas.
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Travel points + welcome offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
This is one of our favorite business travel cards, thanks to its low annual fee, high rewards rate and outstanding welcome offer. While you don’t get extras like lounge access or travel credits, you do get one of the best point redemption rates in the industry.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Cash back boost (up to 75% more)
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
If you have a Bank of America business checking account, this card is a no-brainer. The rewards boost for Preferred Rewards for Business members turns the standard cash-back rate 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.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.