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Best Business Credit Cards of August 2024

Find a small-business credit card that rewards your company’s spending.
By Kelsey Sheehy
Last updated on July 24, 2024
Edited byRyan Lane
Fact checked and reviewed

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. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money. Some of the best business credit cards include:
While all of our picks for small-business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those that are available from our partners. You can jump to our full editorial picks section for our complete list of best business credit cards, including those not available through NerdWallet.

🤓 Nerdy Tip

You can get a business credit card without having a business. Approval largely depends on personal credit history — not business credit score, business structure or even business revenue for most cards — so even freelancers and folks with an occasional side gig can qualify.

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. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money. Some of the best business credit cards include:
While all of our picks for small-business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those that are available from our partners. You can jump to our full editorial picks section for our complete list of best business credit cards, including those not available through NerdWallet.

🤓 Nerdy Tip

You can get a business credit card without having a business. Approval largely depends on personal credit history — not business credit score, business structure or even business revenue for most cards — so even freelancers and folks with an occasional side gig can qualify.

Here are the best business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

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 card for new businesses

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Business charge card for heavy spenders

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Travel points + welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

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

Unlimited 1.5% cash back

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

Intro APR period (purchases)

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Hotel business card

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

75000

Miles

Apply now

on Chase's website

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

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

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 card for new businesses

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Business charge card for heavy spenders

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Travel points + welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

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

Unlimited 1.5% cash back

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

Intro APR period (purchases)

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Hotel business card

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

75000

Miles

Apply now

on Chase's website

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

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

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
$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

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Read Review
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 

4.8/5
Apply now

on Chase's website

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

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 

4.4/5
Apply now

on American Express' website

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

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 

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

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Read Review
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 

4.7/5
Apply now

on American Express' website

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

Our pick for

Cash back boost (up to 75% more)

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

Read Review
Apply now

on Bank of America's website

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