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Best Business Credit Cards of December 2022

Written by Kelsey Sheehy
Edited by Mary M. Flory
Last updated on December 7, 2022

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 business goals faster. The best card for your business? That depends on your company’s spending habits and priorities. Consider those as you weigh features like cash back rewards, travel points and perks and long 0% intro APR periods.
NerdWallet evaluated dozens of business credit cards, scoring them on fees, rewards rates, bonus offers and other features. Here are our picks for best small-business credit cards, along with how to compare options and find the best credit card for your business. You’ll find application links for credit cards from our partners, followed by the full list of our picks.
Featured Partner 

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Here are 17 business credit cards from our partners

Sort by

Make selection

Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

American Express Blue Business Cash™ Card

Apply now

on American Express' website

5.0/5

Best for Overall business credit card

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash back: Flat-rate rewards, no annual fee

$0

1.5%

Cashback

$900

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for Cash back: Heavy spenders

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash back: Bonus categories

$0

1%-5%

Cashback

$900

Apply now

on Chase's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.8/5

Best for Intro APR + AmEx points

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Capital One Spark Miles for Business

Apply now

on Capital One's website

4.9/5

Best for Travel rewards: Flat-rate rewards

$0 intro for the first year, then $95

2x

Points

50,000

Points

Apply now

on Capital One's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Overall travel rewards + big sign-up 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

5.0/5

Best for Luxury travel rewards

$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

3.9/5

Best for Travel rewards: No annual fee

$0

1.5x-3x

Points

30,000

Points

Apply now

on Bank of America's website

Capital on Tap Card

Apply now

on Capital on Tap's website

3.8/5

Best for Fair credit

$0

1.5%

$1,200

Apply now

on Capital on Tap's website

Capital One Spark Cash Select - $500 Cash Bonus

Apply now

on Capital One's website

4.6/5

Best for Sign-up bonus (cash back)

$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

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

Apply now

on US Bank's website

4.7/5

Best for 0% intro APR

$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

4.1/5

Best for Hotel business card for free nights, flexible rewards

$125

2x-6x

Points

75,000

Points

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

5.0/5

Best for Hotel business credit card, sign-up bonus

$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

75,000

Miles

Apply now

on Chase's website

Ramp Card

Apply now

on Ramp's website

4.1/5

Best for Corporate card (no personal guarantee)

$0

1.5%

Cashback

$0

Apply now

on Ramp's website

New Business Card! Ink Business Premier℠ Credit Card

Apply now

on Chase's website

4.9/5

Best for Cash back: Large purchases

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Our pick for

Overall business credit card

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

American Express Blue Business Cash™ Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Our pick for

Cash back: Flat-rate rewards, no annual fee

Ink Business Unlimited® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Our pick for

Cash back: Heavy spenders

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
On top of that, there’s 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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
On top of that, there’s 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.

Our pick for

Cash back: Bonus categories

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look.

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look.

Our pick for

Intro APR + AmEx points

The Blue Business® Plus Credit Card from American Express

4.8
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.8/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Our pick for

Travel rewards: Flat-rate rewards

Capital One Spark Miles for Business

4.9
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.

Our pick for

Overall travel rewards + big sign-up offer

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 in a variety of categories.

Ink Business Preferred® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 in a variety of categories.

Our pick for

Luxury travel rewards

The Business Platinum Card® from American Express

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Our pick for

Travel rewards: No annual fee

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

3.9
NerdWallet rating 
Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
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 fee.

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.9/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
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 fee.

Our pick for

Fair credit

Capital on Tap Card

3.8
NerdWallet rating 
Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$1,200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap 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 Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$1,200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap 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.

Our pick for

Sign-up bonus (cash back)

Capital One Spark Cash Select - $500 Cash Bonus

4.6
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.

Capital One Spark Cash Select - $500 Cash Bonus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.6/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.

Our pick for

0% intro APR

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

4.7
NerdWallet rating 
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.

Our pick for

Hotel business card for free nights, flexible rewards

Marriott Bonvoy Business® American Express® Card

4.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy sign-up bonus and more, and it's hard to go wrong.

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.1/5
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy sign-up bonus and more, and it's hard to go wrong.

Our pick for

Hotel business credit card, sign-up bonus

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.

The Hilton Honors American Express Business Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.

Our pick for

Airline business credit card

United℠ Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.

United℠ Business Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.

Our pick for

Corporate card (no personal guarantee)

Ramp Card

4.1
NerdWallet rating 
Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? 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, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.

Ramp Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.1/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? 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, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.

Our pick for

Cash back: Large purchases

New Business Card! Ink Business Premier℠ Credit Card

4.9
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.)

New Business Card! Ink Business Premier℠ Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.)

FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Overall business credit card
The
American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also no annual fee. Read our review.
Our pick for: Cash back — bonus categories
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: Cash back — flat-rate rewards + no annual fee
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Read our review. 
Our pick for: Cash back — heavy spenders
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.
Our pick for: Overall travel rewards + big sign-up offer
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Travel rewards — flat-rate rewards
The
Capital One Spark Miles for Business
is basically a business version of the popular
Capital One Venture Rewards Credit Card
. You earn 2 miles per dollar on all purchases, and miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. Read our review.
Our pick for: Travel rewards — luxury rewards and perks
Like the consumer version of this card,
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Read our review.
Our pick for: Travel rewards — no annual fee
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Read our review.
Our pick for: Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
is a near-twin to the
American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Read our review.
Our pick for: 0% intro APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 17.74%-26.74% Variable APR
— all with a $
0
annual fee. Read our review.
Our pick for: Airline business credit card
The
United℠ Business Card
is a stand-out option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. A sign-up bonus, plus no annual fee for the first year, sweeten the pot. Read our review.
Our pick for: Airline business credit card with lounge access
If your business has you on the road a lot, you'll appreciate the airport lounge access on the
Delta SkyMiles® Reserve Business American Express Card
, which includes both Delta's own Sky Clubs and American Express's Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Terms apply. Read our review.
Our pick for: Hotel business credit card
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards, automatic elite status with Hilton and 10 free visits to select airport lounges each year (a rare perk for hotel cards). Rather than automatically granting a free night each year, like most hotel cards with annual fees, you have to spend at least $15,000 per calendar year to earn a free weekend night. Terms apply. Read our review. 
Our pick for: Hotel business card for free nights, flexible rewards
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Read our review.
Our pick for: Corporate card (no personal guarantee)
The
Ramp Card
is easier to obtain than other corporate cards, which often require annual revenue in the millions. Ramp is available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. Read our review.
Our pick for: Fair credit
The
Capital on Tap Card
offers
1.5
% cash back on all purchases, no annual fee and the potential for a low APR. And it's available to business owners with fair credit:
Capital on Tap Card
says applicants with a FICO score of 670 or higher have the best chance of approval. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Read our review.

New Business Card! Ink Business Premier℠ Credit Card

Our pick for: Cash back: Large purchases
Chase's newest business credit 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 also a generous welcome bonus.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

OTHER RESOURCES

Who can get a small-business credit card?

Everyone from a CEO to a gig worker can apply for a small-business credit card. You don't need to be incorporated or have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply for a small-business credit card to help manage business-related expenses, earn rewards and grow their enterprise.

Why get a business credit card?

A business card is a great tool to separate your business and personal finances and establish your business credit history. When you use the card only for business spending, its interest and fees can be tax-deductible business expenses. And business credit cards offer rewards, perks and bonuses that rival (and in many cases surpass) those on consumer credit cards.

How to get a business credit card

Applying for a business credit card is pretty straightforward. Business credit card applications typically ask for the following:
  • Business name. No formal business name? Just use your name.
  • Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
  • Employer identification number or Social Security number.
  • Industry. This can be a broad category like retail, medical or professional services, or something more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
  • Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
  • Time in business, revenue and expenses.
  • Personal guarantee. Virtually all small-business credit card applications require a personal guarantee. This means you’re personally responsible for the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.
Business credit cards, like consumer cards, consider your personal credit history to determine approval, interest rates and credit limits. Applying for a business card may ding your personal credit score, but only a little and only for a short time. If your personal credit history is thin or poor, bad-credit business credit cards are available.
How long does it take to get a business credit card? While some business credit cards advertise near-instant approval, you may need to wait a couple of weeks for your card if your credit isn't excellent.

How to compare business credit cards

First, take stock of your business’s spending habits to determine what type of card best suits your needs. Need to finance a big purchase? Consider a business card with a 0% APR period. Spend a lot of time on the road? Look for a card with cash back or travel rewards.
Once you narrow down the type of card, evaluate and compare the following features to find the best card for your business.

Annual fee

Weigh the annual fee against any rewards you could earn from using the card. If you spend $200,000 a year on a card with a 2% rewards rate, for example, that's $4,000 a year in rewards (and far more than even the highest annual fee). Plus, annual fees are also deductible business expenses.
Opposed to paying a fee? Many of our picks for best business credit cards have no annual fee.

Rewards structure

If you opt for a rewards credit card, you'll have two choices to make. The first is whether you want a flat-rate card or a bonus-category card:
  • Flat-rate cards pay you the same rewards on every purchase, regardless of what you buy or where. If you want simplicity, or your business's expenses tend to run the gamut, a flat-rate card is your best bet.
  • Bonus-category cards pay a higher rewards rate in certain categories and a lower base rate on everything else. A bonus-category card is an excellent choice if you spend a lot of money in just a few areas. Typical bonus categories for business credit cards include things like office supplies, travel, telecommunications, advertising and shipping.
The second choice is whether you want your rewards as cash back or points.
  • Cash-back cards pay you back a certain percentage of every purchase. Flat-rate cards tend to offer 1% to 2% back — spend $1,000 on something, get $10 to $20 back. Bonus-category cards go as high as 5%. Cash back is most commonly redeemed as a credit against your account.
  • Points cards give you points or miles for each dollar you spend. These rewards can usually be redeemed for travel, though you may have other options, such as merchandise or cash back.

Introductory APR period

Some business credit cards offer a 0% interest rate for the first year, or longer. This can be of great benefit if you have a major business-related purchase you're looking to finance.

Ongoing APR

Interest charges can easily eat up the value of your rewards, so prioritize a lower ongoing APR if you're going to carry a balance from month to month. If you plan to pay your credit card bill in full each month, then the ongoing APR doesn't have to be a major factor in your decision.

Financing options

Some small-business credit cards offer special financing options, such as a discount if you pay early or the ability to set up installment plans to pay off specific charges. These can be useful if your business is seasonal or subject to irregular cash flow.

Free cards for employees

If you're earning rewards, you'll want to get as much company spending on the card as possible. Many issuers allow you to get additional cards at no extra cost for employees who are authorized to spend money on behalf of the business. You also may be able to set spending limits or other restrictions on employee cards.

Expense management tools

Some cards come with programs that allow you to match photos of receipts to your card purchases in-app. Many also offer itemized end-of-year statements that help at tax time.

Perks

If your business has you traveling a lot, look for a card that can make your trip more comfortable. Co-branded airline and hotel cards offer special status and upgrades. Some cards give you access to airport lounges. Others provide travel insurance or rental car coverage for peace of mind.

How to get the most value out of your small-business card

Pay with your credit card whenever possible

For entrepreneurs who pay in full every month and don't overspend, using a rewards credit card for everything makes those points, miles or cash back add up fast. Avoid paying with a credit card when a convenience charge is added, if possible.

Lock down that sign-up bonus

To get your card's sign-up bonus, you typically need to make a few thousand dollars' worth of purchases in the first few months after opening the account. Check your card's terms and track your spending to make sure you don’t miss out.

Know when your introductory 0% APR ends

Read your credit card statements and make a note of when your promotional offer expires to avoid unpleasant surprises.

Deduct interest and fees on your taxes

If you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.
To view rates and fees of the
American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.
To view rates and fees of the
Delta SkyMiles® Reserve Business American Express Card
, see this page.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
Last updated on December 7, 2022

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.

Frequently Asked Questions