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.
- Best cash-back business card: Wells Fargo Signify Business Cash℠ Card.
- Best business travel card: Capital One Venture X Business.
- Best business card for intro APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
🤓 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.
- Best cash-back business card: Wells Fargo Signify Business Cash℠ Card.
- Best business travel card: Capital One Venture X Business.
- Best business card for intro APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
🤓 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 for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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 | $2,000 ⏱️ New bonus offer | 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 | 4.6/5 | $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 |
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) Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
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 |
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 |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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 | $2,000 ⏱️ New bonus offer | 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 | 4.6/5 | $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 |
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) Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
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 |
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 |
I'M INTERESTED IN:
Our pick for
Cash-back business credit card
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Up to 5% cash back in bonus categories
Ink Business Cash® Credit Card
on Chase's website
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
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
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Business card for new businesses
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Business charge card for heavy spenders
Capital One Spark Cash Plus
⏱️ 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
⏱️ 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
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees