Best Business Credit Cards of September 2023

Pros

• No annual fee
• Intro APR period
• No reward caps
• New cardholder bonus offer

Cons

• No bonus categories

Pros

• You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a

  $0

  annual fee.

Cons

• The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesses.

Pros

• Earns cash back on primary and employee cards
• Rewards don’t expire
• No foreign transaction fees

Cons

• Balance must be paid in full every month
• Has annual fee
• High spending requirement to hit full welcome bonus, annual bonus offers

Pros

• If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.

Cons

• This card's bonus categories aren't a good fit for all business owners. There's an annual fee of

  $95

  . After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.

Pros

• You'll get an introductory

  0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR

  . For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)

Cons

• The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See the

  The American Express Blue Business Cash™ Card

  .

Pros

• High rewards rate
• New cardholder bonus offer
• No foreign transaction fees

Cons

• Has annual fee
• Requires good/excellent credit
• Purchases that don’t qualify for Flex for Business must be paid in full every month

Pros

• This card earns unlimited 2 miles per dollar on all purchases. Miles can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece. There's a great sign-up bonus, too.

Cons

• The card has an annual fee of

  $0 intro for the first year, then $95

  . After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.

Pros

• No, this card is not cheap, but it comes with an extensive portfolio of benefits that make it well worth the investment for entrepreneurs who are always on the road: 5X points on flights and prepaid hotels on amextravel.com, access to more than 1,400 airport lounges across 140 countries, an up to $200 annual credit for incidental airline fees, plus reimbursement for the application fee for TSA Precheck or Global Entry, and automatic elite status with Marriott and Hilton hotels. That’s not even mentioning the sizable bonus offer for new cardholders. Terms Apply.

Cons

• The

  $695

  annual fee is very steep. Keep in mind, though, that the fee is a deductible business expense.

Pros

• This

  $0

  -annual-fee card earns 1.5 points for every dollar spent, and 3 points per dollar on travel purchases booked through Bank of America®. It also comes with a plum sign-up bonus for a no-fee card.

Cons

• Higher reward rates are available on other cards, and if you spend enough, you might come out ahead on those cards even after paying an annual fee.

Pros

• Earn unlimited 1.5% cash back on all purchases
• Apply without a hard credit check
• 24/7 customer service

Cons

• Not available to sole proprietors, charities or nonprofits
• Must enroll in automatic payments

Pros

• No annual fee or foreign transaction fees
• Simple, straightforward rewards
• No personal guarantee or credit check
• Direct integrations with popular tools and card-level spending controls and alerts

Cons

• Balance must be paid in full each month
• Not available to sole proprietors or unincorporated businesses

Pros

• No annual fee
• High rewards rate
• No reward caps

Cons

• Requires good/excellent credit

Pros

• You get an introductory

  0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR

  . For rewards, you earn 2% cash back on the first $50,000 in purchases each year, and 1% after that. Terms apply.

Cons

• The $50,000 cap on 2% cash back makes this card a poor fit for businesses with high expenses. Prefer Amex points to cash back? See

  The Blue Business® Plus Credit Card from American Express

  .

Pros

• Bonus cash back categories
• No annual fee
• Intro APR period on purchases and balance transfers

Cons

• Requires good/excellent credit
• Low rate outside bonus categories

Pros

• You earn 6 points per dollar at hotels participating in the Marriott Bonvoy program; 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2 points per dollar on all other eligible purchases. Marriott's broad portfolio of hotel brands gives you maximum flexibility in earning and redeeming rewards.

Cons

• The

  $125

  annual fee is a bit on the high side. You'll have to use the perks to get proper value out of the card.

Pros

• High rewards rate
• Automatic elite status
• Luxury perks

Cons

• Has annual fee
• No free anniversary night

Pros

• Free checked bag
• Lounge membership
• Anniversary perk

Cons

• Has annual fee
• Rewards have limited flexibility

Pros

• No annual fee
• New cardholder bonus offer
• Qualify with limited/bad credit
• Bonus categories
• No foreign transaction fees
• No personal guarantee

Cons

• Complicated rewards structure
• High capital requirement for approval
• Daily repayment may be required

Pros

• High rewards rate
• Automatic elite status
• Anniversary perks
• No foreign transaction fee

Cons

• Has annual fee
• Rewards have limited flexibility