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Best Business Credit Cards of April 2024

Find a small-business credit card that rewards your company’s spending.
By Kelsey Sheehy
Last updated on April 12, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 21 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.
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.
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

$750

Apply now

on Chase's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Businesses with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

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

Apply now

on Bank of America's website

4.7/5

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

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Bonus categories that sync with your spending

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel points + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

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

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for No preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

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

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

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

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal guarantee)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

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

Apply now

on Bank of America's website

3.8/5

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

3.9/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's 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 Intro APR period (purchases and balance transfers)

$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

5.0/5

Best for Hotel business card

$125

2x-6x

Points

150,000

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

75000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 4X points on travel (up to $150K)

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on US Bank's website

Rates & Fees

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for Best for Secured business cards

$39

N/A

N/A

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

$750

Apply now

on Chase's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Businesses with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Business card for new businesses

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Business charge card for heavy spenders

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

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

Apply now

on Bank of America's website

4.7/5

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

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Bonus categories that sync with your spending

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel points + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

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

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for No preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

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

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

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

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal guarantee)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

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

Apply now

on Bank of America's website

3.8/5

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

3.9/5

Best for Fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited 1.5% cash back

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's 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 Intro APR period (purchases and balance transfers)

$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

5.0/5

Best for Hotel business card

$125

2x-6x

Points

150,000

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

75000

Miles

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 4X points on travel (up to $150K)

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on US Bank's website

Rates & Fees

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for Best for Secured business cards

$39

N/A

N/A

Discover business products tailored to your needs

Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.

Fundera by NerdWallet

I'M INTERESTED IN:

Our pick for

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

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

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
$750

Our pick for

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$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.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

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 

4.6/5
Apply now

on American Express' website

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

Our pick for

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
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
$350

Our pick for

Business charge card for heavy spenders

Capital One Spark Cash Plus

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 

5.0/5
Apply now

on Capital One's website

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

Our pick for

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

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Earn an extra 25% to 75% cash back on every purchase when you couple the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
with a Bank of America business checking account and enroll in the bank's Preferred Rewards for Business program.

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

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Our pick for

Bonus categories that sync with your spending

American Express® Business Gold Card