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Best Business Credit Cards of December 2024

By Kelsey Sheehy
Last updated on December 6, 2024
Edited by Ryan Lane
Fact checked and reviewed
Need help finding a business credit card? Use our guide to compare options and find the best business credit card for cash back, travel rewards and more. Plus, get advice from NerdWallet's business credit card experts to help choose and use your business card.
Credit card, mobile phone, and coin

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.

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.

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

No preset spending limit

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

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

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

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

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

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

Unlimited 1.5% cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Business travel card

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

Business charge card

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

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

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

50,000

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

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®

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

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 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

No preset spending limit

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

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

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

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

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

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

Unlimited 1.5% cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Business travel card

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

Business charge card

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

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

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

50,000

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

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®

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

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

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

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

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

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

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

No preset spending limit

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ 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

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

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

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

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

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website