Best Business Credit Cards of June 2023
Find a small-business credit card that rewards your company’s spending.
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The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your business goals faster. The best business card for your company? That depends on your spending habits and priorities. Consider those as you choose between business credit cards with features like cash back rewards, travel points and perks and long 0% intro APR periods.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express, as well as corporate cards from Ramp and Brex.
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.
The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your business goals faster. The best business card for your company? That depends on your spending habits and priorities. Consider those as you choose between business credit cards with features like cash back rewards, travel points and perks and long 0% intro APR periods.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express, as well as corporate cards from Ramp and Brex.
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.
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Best Business Credit Cards From Our Partners
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | Best for Cash back: Flat-rate rewards, no annual fee | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | Best for Cash back: Bonus categories | $0 | 1%- Cashback | $750 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | Best for Cash back: Heavy spenders | $150 | 2%- Cashback | $1,000 | Apply now on Capital One's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website | Best for Intro APR + AmEx points | $0 | 1x- Points | 15,000 Points | Apply now on American Express' website |
Ink Business Preferred® Credit Card Apply now on Chase's website | Best for Overall travel rewards + big sign-up offer | $95 | 1x- Points | 100,000 Points | Apply now on Chase's website |
Ink Business Premier℠ Credit Card Apply now on Chase's website | Best for Cash back: Large purchases | $195 | 2%- Cashback | $1,000 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website | 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 |
The Business Platinum Card® from American Express Apply now on American Express' website | Best for Luxury travel rewards | $695 | 1x- Points | 120,000 Points | Apply now on American Express' website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | Best for Travel rewards: No annual fee | $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 | Best for Fair credit | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
Ramp Card Apply now on Ramp's website | Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website | Best for Sign-up bonus (cash back) | $0 | 1.5%- Cashback | $500 | Apply now on Capital One's website |
American Express Blue Business Cash™ Card Apply now on American Express' website | Best for Business credit card for new businesses | $0 | 1%- Cashback | $250 | Apply now on American Express' website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | Best for 0% intro APR | $0 | 1%- Cashback | $500 | Apply now on US Bank's website |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website | Best for Hotel business card (free nights + flexible rewards) | $125 | 2x- Points | 75,000 Points | Apply now on American Express' website |
The Hilton Honors American Express Business Card Apply now on American Express' website | Best for Hotel business credit card (overall) | $95 | 3x- Points | 150,000 Points | Apply now on American Express' website |
United℠ Business Card Apply now on Chase's website | Best for Airline business credit card | $0 intro for the first year, then $99 | 1x- Miles | 50,000 Miles | Apply now on Chase's website |
Brex Card Apply now on Brex's website | Best for Generous rewards with no personal guarantee | $0 | 1x- Points | 10,000 Points | Apply now on Brex's website |
IHG® Rewards Premier Business Credit Card Apply now on Chase's website | Best for Hotel business credit card (sign-up bonus + free nights) | $99 | 3x- Points | 165,000 Points | Apply now on Chase's website |
Our pick for
Cash back: Flat-rate rewards, no annual fee
on Chase's website
on Chase's website
$0
1.5%
Cashback
$750
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.
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.
Pros
No annual fee
Intro APR period
No reward caps
New cardholder bonus offer
Cons
No bonus categories
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
Cash back: Bonus categories
on Chase's website
on Chase's website
$0
1%-5%
Cashback
$750
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the Ink Business Cash® Credit Card is worth a look.
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the Ink Business Cash® Credit Card is worth a look.
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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
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.
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
Cash back: Heavy spenders
on Capital One's website
on Capital One's website
$150
2%-5%
Cashback
$1,000
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.
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.
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
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
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
Our pick for
Intro APR + AmEx points
on American Express' website
on American Express' website
$0
1x-2x
Points
15,000
Points
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.
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.
Pros
You'll get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-26.24% 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 American Express Blue Business Cash™ Card.
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.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24%-26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
Our pick for
Overall travel rewards + big sign-up offer
on Chase's website
on Chase's website
$95
1x-3x
Points
100,000
Points
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.
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.
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.
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
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 Ultimate Rewards®
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: Large purchases
on Chase's website
on Chase's website
$195
2%-5%
Cashback
$1,000
This card 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 Ultimate Rewards. (There's a big welcome bonus, too.)
This card 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 Ultimate Rewards. (There's a big welcome bonus, too.)
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
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC
Our pick for
Travel rewards: Flat-rate rewards
on Capital One's website
on Capital One's website
$0 intro for the first year, then $95
2x-5x
Points
50,000
Points
The Capital One Spark Miles for Business is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.
The Capital One Spark Miles for Business is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.
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.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Our pick for
Luxury travel rewards
on American Express' website
on American Express' website
$695
1x-5x
Points
120,000
Points
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.
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.
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.
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.
- View Rates & Fees
Our pick for
Travel rewards: No annual fee
on Bank of America's website
on Bank of America's website
$0
1.5x
Points
30,000
Points
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.
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.
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.
Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% 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.
Our pick for
Fair credit
on Capital on Tap's website
on Capital on Tap's website
$0
1.5%
$200
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.
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.
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
1.5% rewards on all spend, no caps or restrictions
Earn $200 cashback when you spend $15,000 in the first 3 months.
$0 annual fee
No foreign exchange fees
Applying has no impact on credit score
APRs range from 17.74% to 35.99% variable
Unlimited cards for your employees
Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Corporate card (no personal guarantee)
on Ramp's website
on Ramp's website
$0
1.5%
Cashback
N/A
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'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.
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
Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
No annual fee or foreign transaction fees.
No personal credit check or personal guarantee required.
Issue unlimited virtual cards and physical cards for each employee.
Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $75,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Sign-up bonus (cash back)
on Capital One's website
on Capital One's website
$0
1.5%-5%
Cashback
$500
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.
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.
Pros
No annual fee
High rewards rate
No reward caps
Cons
Requires good/excellent credit
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 if your card is lost or stolen
Our pick for
Business credit card for new businesses
on American Express' website
on American Express' website
$0
1%-2%
Cashback
$250
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.
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.
Pros
You get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-26.24% 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.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24%-26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
Our pick for
0% intro APR
on US Bank's website
on US Bank's website
$0
1%-3%
Cashback
$500
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.
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.
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
Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No limit on total cash back earned.
Rewards never expire.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
No annual fee.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- View Rates & Fees
Our pick for
Hotel business card (free nights + flexible rewards)
on American Express' website
on American Express' website
$125
2x-6x
Points
75,000
Points
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.
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.
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.
Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.
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Our pick for
Hotel business credit card (overall)
on American Express' website
on American Express' website
$95
3x-12x
Points
150,000
Points
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.
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.
Pros
High rewards rate
Automatic elite status
Luxury perks
Cons
Has annual fee
No free anniversary night
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.
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Our pick for
Airline business credit card
on Chase's website
on Chase's website
$0 intro for the first year, then $99
1x-2x
Miles
50,000
Miles
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.
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.
Pros
Free checked bag
Lounge membership
Anniversary perk
Cons
Has annual fee
Rewards have limited flexibility
Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC
Our pick for
Generous rewards with no personal guarantee
on Brex's website
on Brex's website
$0
1x-7x
Points
10,000
Points
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).
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).
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
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Our pick for
Hotel business credit card (sign-up bonus + free nights)
on Chase's website
on Chase's website
$99
3x-26x
Points
165,000
Points
You'll be hard-pressed to find a better welcome offer, never mind the free nights, travel perks and elite status benefits. This card is a no-brainer if you frequent IHG properties like Holiday Inn, Crowne Plaza, Kimpton and Intercontinental.
You'll be hard-pressed to find a better welcome offer, never mind the free nights, travel perks and elite status benefits. This card is a no-brainer if you frequent IHG properties like Holiday Inn, Crowne Plaza, Kimpton and Intercontinental.
Pros
High rewards rate
Automatic elite status
Anniversary perks
No foreign transaction fee
Cons
Has annual fee
Rewards have limited flexibility
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier Business card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
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.
Best for: Overall business credit card
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.
Best for: Cash back — bonus categories
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 American Express Blue Business Cash™ Card.
Best for: Cash back — flat-rate rewards + no annual fee
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.
Best for: Cash back — heavy spenders
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 you can double your welcome bonus if you spend $50,000 in the first six months. There’s also a $200 cash bonus if you spend $200,000 or more in a given year. 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.
Best for: Overall travel rewards + big sign-up offer
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.
Best for: Travel rewards — flat-rate rewards
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. 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.
Best for: Travel rewards — luxury rewards and perks
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.
Best for: Travel rewards — no annual fee
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.
Best for: Intro APR + AmEx points
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.
Best for: 0% intro APR
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.
Best for: Airline business credit card
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.
Best for: Airline business credit card with lounge access
Should you get the Delta SkyMiles® Reserve Business American Express Card? Delta loyalists can get a lot of value out of this card, which includes perks like a companion certificate, lounge access, priority boarding, free checked bags and complimentary seat upgrades, to name a few. But these perks are specific to Delta. Want luxury perks that don’t tie you to one airline? Check out The Business Platinum Card® from American Express.
Best for: Hotel business credit card
Should you get The Hilton Honors American Express Business Card? If you want to add a hotel card to your business card roster, The Hilton Honors American Express Business Card is a solid pick that offers a huge welcome offer, automatic elite status and 10 Priority Pass lounge visits per year. Plus, with 6x points at gas stations, this card doubles as a business gas card. You can also earn free nights if you hit certain spending thresholds. Terms apply. If you’ll meet those, and use the other perks (particularly the lounge passes), this is a great card. If you’d rather get automatic free nights, with no spending limits attached, check out another hotel business card.
Best for: Hotel business card for free nights, flexible rewards
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.
Best for: Hotel business card for sign-up bonus, free nights
Should you get the IHG® Rewards Premier Business Credit Card? This card is a must-have if you frequent hotels under the InterContinental Hotel Group umbrella (Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, to name a few). You’ll get one of the best bonus offers on the market, a free anniversary night worth 40,000 points each year and automatic IHG® Rewards Platinum Elite status. This card also offers a statement credit for trusted traveler programs: Up to $100 every four years toward Global Entry, TSA PreCheck® or NEXUS application fee —a perk few hotel business cards include. But the value of this card diminishes if you don’t frequent IHG properties.
Best for: Corporate card (no personal guarantee)
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.
Our pick for: Fair credit
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.
Best for: Cash back: Large purchases
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.
Best for: Generous rewards with no personal guarantee
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.
» Are you in Canada? See NerdWallet's best business cards for Canada.
Compare interest rates on our best business credit cards
The interest rate on your business credit card is an important factor to consider when comparing business cards. 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.
Minimum APR | Maximum APR | |
---|---|---|
American Express Blue Business Cash™ Card | 18.24%. | 26.24%. |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 18.24%. | 28.24%. |
Brex Card | N/A. | N/A. |
Capital One Spark Cash Plus | N/A. | N/A. |
Capital One Spark Cash Select for Excellent Credit | 17.99%. | 23.99%. |
Capital One Spark Miles for Business | 25.74%. | N/A. |
Capital on Tap Business Credit Card | 17.74%. | 35.99%. |
Delta SkyMiles® Reserve Business American Express Card | 20.74%. | 29.74%. |
IHG® Rewards Premier Business Credit Card | 20.74%. | 27.74%. |
Ink Business Cash® Credit Card | 17.99%. | 23.99%. |
Ink Business Preferred® Credit Card | 20.74%. | 25.74%. |
Ink Business Unlimited® Credit Card | 17.99%. | 23.99%. |
Ink Business Premier℠ Credit Card | 18.99%. | 26.99%. |
Marriott Bonvoy Business® American Express® Card | 20.74%. | 29.74%. |
Ramp Card | N/A. | N/A. |
The Blue Business® Plus Credit Card from American Express | 18.24%. | 26.24%. |
The Business Platinum Card® from American Express | 19.24%. | 27.24%. |
The Hilton Honors American Express Business Card | 20.74%. | 29.74%. |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 18.99%. | 27.99%. |
United℠ Business Card | 21.49%. | 28.49%. |
Who can get a small-business credit card?
Everyone from a CEO to a gig worker can apply for a small-business credit card. 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 a small-business credit card to help manage business-related expenses, earn rewards and grow their enterprise