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Best Business Credit Cards of December 2023

Find a small-business credit card that rewards your company’s spending.
Last updated on November 28, 2023
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 18 minutes

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. You don’t need a business credit score, formalized business structure or even business revenue for most cards. Approval largely depends on personal credit history, so even freelancers and folks with an occasional side gig can qualify.
Consider where your business spends the most — telecom, advertising, travel, etc. — as you compare business cards that offer flat-rate cash back or travel points to those with higher rewards for certain categories. A combination of business credit cards may be the best way for your company to maximize perks, rewards and welcome offers, which are often more generous than what’s available with a personal credit card.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express.
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.

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. You don’t need a business credit score, formalized business structure or even business revenue for most cards. Approval largely depends on personal credit history, so even freelancers and folks with an occasional side gig can qualify.
Consider where your business spends the most — telecom, advertising, travel, etc. — as you compare business cards that offer flat-rate cash back or travel points to those with higher rewards for certain categories. A combination of business credit cards may be the best way for your company to maximize perks, rewards and welcome offers, which are often more generous than what’s available with a personal credit card.
Here are our picks for best small-business credit cards, which include top options from Chase, Capital One and American Express.
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.

Here are the best business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash-back business credit card

$0

1.5%

Cashback

$900

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back

$0

1%-5%

Cashback

$900

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

4.2/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Business card for points

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Welcome offer + annual travel credit

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

4.9/5

Best for Business charge card

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Travel rewards (flat-rate)

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airport lounge access + travel credits

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.7/5

Best for No annual fee business travel card

$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

3.8/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

4.0/5

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

Rates & Fees

4.6/5

Best for Sign-up bonus (cash back)

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Intro APR + up to 2% cash back

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Balance transfer business card

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.1/5

Best for Hotel business card for free nights, flexible rewards

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel business credit card (overall)

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline business credit card

$0 intro for the first year, then $99

1x-2x

Miles

50,000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.2/5

Best for Corporate card for startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

IHG® One Rewards Premier Business Credit Card

Apply now

on Chase's website

5.0/5

Best for Hotel business credit card (sign-up bonus + free nights)

$99

3x-26x

Points

140,000

Points

Apply now

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.3/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash-back business credit card

$0

1.5%

Cashback

$900

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back

$0

1%-5%

Cashback

$900

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

4.2/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Business card for points

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Welcome offer + annual travel credit

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

4.9/5

Best for Business charge card

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Travel rewards (flat-rate)

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airport lounge access + travel credits

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.7/5

Best for No annual fee business travel card

$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

3.8/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

4.0/5

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

Rates & Fees

4.6/5

Best for Sign-up bonus (cash back)

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Intro APR + up to 2% cash back

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Balance transfer business card

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.1/5

Best for Hotel business card for free nights, flexible rewards

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel business credit card (overall)

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline business credit card

$0 intro for the first year, then $99

1x-2x

Miles

50,000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.2/5

Best for Corporate card for startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

IHG® One Rewards Premier Business Credit Card

Apply now

on Chase's website

5.0/5

Best for Hotel business credit card (sign-up bonus + free nights)

$99

3x-26x

Points

140,000

Points

Apply now

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.3/5

Best for Cash back boost (up to 75% more)

$0

1.5%

Cashback

$300

Apply now

on Bank of America'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
$900
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.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900

Our pick for

Up to 5% cash back

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
If your business spends heavily on office supplies, gas, restaurants or internet, cable and phone service, the
Ink Business Cash® Credit Card
is worth a look.

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900

Our pick for

Business charge card for heavy spenders

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200
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.

Capital One Spark Cash Plus

NerdWallet rating 

4.2/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

Business card for points

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
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 for travel expenses and a variety of business categories.

Ink Business Preferred® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Our pick for

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
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.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Welcome offer + annual travel credit

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
This luxury travel card's perks include airport lounge access and an annual travel credit that easily offset the annual fee.

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Our pick for

Business charge card

Ink Business Premier℠ Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$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.)

Ink Business Premier℠ Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

Our pick for

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Read Review
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.

Capital One Spark Miles for Business

NerdWallet rating 

4.7/5
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

Our pick for

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
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.

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points

Our pick for

No annual fee business travel card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
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.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

NerdWallet rating 

3.7/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Our pick for

Fair credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$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.

Capital on Tap Business Credit Card

NerdWallet rating 

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200

Our pick for

Corporate card (no personal guarantee)

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
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 Card

NerdWallet rating 

4.0/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Our pick for

Sign-up bonus (cash back)

Capital One Spark Cash Select for Excellent Credit

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750
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.

Capital One Spark Cash Select for Excellent Credit

NerdWallet rating 

4.6/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750

Our pick for

Intro APR + up to 2% cash back

The American Express Blue Business Cash™ Card