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.
Best business credit cards of November 2024
- 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 Plus: Best for business charge (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 for no preset spending limit.
- 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.
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.
Best business credit cards of November 2024
- 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 Plus: Best for business charge (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 for no preset spending limit.
- 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.
Here are the best business credit cards
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Business charge card (no preset limit) Capital One Spark Cash Plus | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | |
Business card for new businesses The Blue Business® Plus Credit Card from American Express | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | |
Businesses with annual spend below $50K The American Express Blue Business Cash™ Card | 4.7/5 | $0 | 1%-2% Cashback | $250 | |
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 | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bonus categories that sync with your spending American Express® Business Gold Card | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | |
Travel points + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Airport lounge access + travel credits The Business Platinum Card® from American Express | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | |
No preset spending limit Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Business travel card Capital One Venture X Business | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | |
Travel rewards (flat-rate) Capital One Spark Miles for Business | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | |
Unlimited 1.5% cash back Capital One Spark Cash Select | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | |
Intro APR period (purchases) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 5.0/5 | $0 | 1%-3% Cashback | $750 | |
Hotel business card Marriott Bonvoy Business® American Express® Card | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | |
Airline business credit card United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
4X points on travel (up to $150K) U.S. Bank Business Altitude™ Connect World Elite Mastercard® | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 3.2/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Business charge card (no preset limit) Capital One Spark Cash Plus | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | |
Business card for new businesses The Blue Business® Plus Credit Card from American Express | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | |
Businesses with annual spend below $50K The American Express Blue Business Cash™ Card | 4.7/5 | $0 | 1%-2% Cashback | $250 | |
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 | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bonus categories that sync with your spending American Express® Business Gold Card | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | |
Travel points + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Airport lounge access + travel credits The Business Platinum Card® from American Express | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | |
No preset spending limit Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Business travel card Capital One Venture X Business | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | |
Travel rewards (flat-rate) Capital One Spark Miles for Business | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | |
Unlimited 1.5% cash back Capital One Spark Cash Select | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | |
Intro APR period (purchases) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 5.0/5 | $0 | 1%-3% Cashback | $750 | |
Hotel business card Marriott Bonvoy Business® American Express® Card | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | |
Airline business credit card United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
4X points on travel (up to $150K) U.S. Bank Business Altitude™ Connect World Elite Mastercard® | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 3.2/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
I'M INTERESTED IN:
Our pick for
Up to 5% cash back in bonus categories
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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 charge card (no preset limit)
Capital One Spark Cash Plus
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- 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
Capital One Spark Cash Plus
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- 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 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
Business card for new businesses
The Blue Business® Plus Credit Card from American Express
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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, 17.99% - 25.99%, 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
The American Express Blue Business Cash™ Card
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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, 17.99% - 25.99%, 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.
- 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.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Cash back boost (up to 75% more)
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit