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 top small-business credit cards that may align with your needs include:
- 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®.
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.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
🤓 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 top small-business credit cards that may align with your needs include:
- 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®.
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.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
🤓 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
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
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
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.- 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
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
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
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. - 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
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
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.- 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
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
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
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.- 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
Our pick for
Businesses with annual spend below $50K
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
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.- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why 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
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
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
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
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
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.- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
⏱️ New elevated offer
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
A chameleon of a business card, the
American Express® Business Gold Card
bonus rewards automatically adjust based on your spending so you earn 4X points on your top two spending categories each month (up to $150,000 in combined spending annually). Eligible categories include advertising, software, gas stations, restaurants, transit and wireless service. Only purchases made in the U.S. qualify for bonus categories.- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Our pick for
Travel points + welcome offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
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 for travel expenses and a variety of business categories. - Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Airport lounge access + travel credits
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
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.- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
No preset spending limit
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
This business charge card has no preset spending limit and 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 Travel℠.
(There's a big welcome bonus, too.)- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Welcome offer + annual travel credit
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This luxury travel card's perks include airport lounge access and an annual travel credit that easily offset the annual fee.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
View Rates & Fees
Our pick for
Travel rewards (flat-rate)
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
Corporate card (no personal guarantee)
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
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 and automatic receipt matching. Plus, there's no credit check or personal guarantee.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires excellent credit
The
Capital One Spark Cash Select
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Intro APR period (purchases)
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Hotel business card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
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 bonus offer and more, and it's hard to go wrong. - WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Airline business credit card
United℠ Business Card
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
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
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.
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Our pick for
4X points on travel (up to $150K)
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
You'll have to look hard to find another business credit card that gives you 4X points on up to $150,000 in combined travel expenses annually. And you can earn even more if you book via U.S. Bank's Reward Center. There's also a nice welcome offer and no annual fee for the first year.
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Explore details like welcome offers, reward rates and intro APR periods below, or click the card's name to read our full review. Before applying, confirm details on the issuer’s website.
Best credit cards for small businesses
- American Express® Business Gold Card: Best for bonus categories that sync with your spending.
- The American Express Blue Business Cash™ Card: Best for businesses with annual spend below $50K.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for no foreign transaction fees.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured: Best for seured business credit card.
- The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
- Brex Card: Best for startups with venture backing.
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- Capital on Tap Business Credit Card: Best for fair credit.
- Capital One Spark Cash Plus: Best for business charge card for heavy spenders.
- Capital One Spark Cash Select: Best for unlimited 1.5% cash back.
- Capital One Spark Miles for Business: Best for travel reards (flat-rate).
- Capital One Venture X Business: Best for welcome offer + annual travel credit.
- Ink Business Cash® Credit Card: Best for up to 5% cash back in bonus categories.
- Ink Business Preferred® Credit Card: Best for travel points + welcome offer.
- Ink Business Unlimited® Credit Card: Best for cash-back business credit card.
- Ink Business Premier® Credit Card: Best for no preset spending limit.
- Marriott Bonvoy Business® American Express® Card: Best for hotel business card.
- Ramp Card: Best for corporate card (no personal guarantee).
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for intro APR period (purchases and balance transfers).
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for 4X points on travel (up to $150K).
- United℠ Business Card: Best for airline business travel card.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
Wells Fargo Signify Business Cash℠ Card
Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating:
5
.Should you get the
Wells Fargo Signify Business Cash℠ Card
? If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card checks virtually every box. High rewards rate? Check. No annual fee? Check. Intro APR period? Check. Welcome offer? Check. In fact, it's hard to find something not to like about the Signify Business Cash, which is the only business credit card on our list to offer unlimited 2%
cash back on all purchases with no annual fee. The American Express Blue Business Cash™ Card
earns 2% but only up to the first $50,000 in purchases each year (terms apply). It also has a much smaller welcome offer compared to the Signify Business Cash Card. And other 2% back business cards like the Ink Business Premier® Credit Card
have high annual fees ($195
). The only argument against the Signify Business Cash is that you can earn a higher rewards rate with cards like the Ink Business Cash® Credit Card
and the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
, but only on spending that aligns with the bonus categories offered by those cards. Even then, there's a strong case for adding the Signify Business Cash card to your lineup as a complement to either of those cards.Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
Unlimited
2%
cash back on purchases. $
0
.0% intro APR for 12 months from account opening on purchases, then
17.74%-25.74% Variable APR
.Ink Business Unlimited® Credit Card
Best for: Cash-back business credit card
NerdWallet star rating:
5
.Should you get the
Ink Business Unlimited® Credit Card
? This is an excellent business card if you want simple rewards, a big signup bonus and flexible redemption options. Cash back is earned as Chase Ultimate Rewards, which can be redeemed for a statement credit or travel, among other things. And if you carry other Chase cards in your wallet, like the Ink Business Preferred® Credit Card
or the Chase Sapphire Preferred® Card, you can transfer your Ultimate Rewards to net a higher redemption rate. Plan to spend less than $50,000 per year? Give The American Express Blue Business Cash™ Card
a look. It has a slightly higher rewards rate, but has an annual cap on the highest rewards.Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn unlimited 1.5% cash back on every purchase made for your business
.$
0
.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR
. U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: 4X points on travel (up to $150K)
NerdWallet star rating:
5
.Should you get the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
? U.S. Bank's business travel card hits that sweet spot between basic, no-annual-fee travel cards that offer minimal rewards and high-end travel cards with annual fees that match. The Business Altitude Connect's travel reward rate is unmatched, even by luxury travel cards, and includes expenses like gas and EV charging stations, as well as hotels, airfare and rental cars. And its annual fee is low: $0 intro for the first year, then $95
. While the Business Altitude Connect does have some added perks, including a rideshare credit and Priority Pass digital membership with four free visits per year, it doesn't confer elite status or travel credits. And you can't transfer points to external travel partners, which could make your points go farther. If those things are important to you, check out the Ink Business Preferred® Credit Card
or the Capital One Venture X Business
.Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
$0 intro for the first year, then $95
.None.
The ongoing APR is 19.24%-26.24% Variable APR
.Capital One Spark Cash Plus
Best for: Business charge card for heavy spenders
NerdWallet star rating:
5
.Should you get the
Capital One Spark Cash Plus
? This card is best for businesses with big expenses and the cash flow to match. You’ll earn 2
% cash back with no caps and receive a generous welcome bonus: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
You can also get your $150
annual fee refunded every year you spend at least $150,000. If you’re spending at that level, the Ink Business Premier® Credit Card
is also worth a look. This card has a more attainable welcome bonus and earns 2.5% back on large purchases ($5,000 or more). The Capital One Spark Cash Plus
is a charge card, so you need to pay your balance in full each month. (See rates and fees.) Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
$
150
.N/A
. Capital One Venture X Business
Best for: Welcome offer and annual travel credit
NerdWallet star rating:
5
.Should you get the
Capital One Venture X Business
? This beefed-up travel card is a great option for road warriors and frequent fliers who can't stomach the annual fee of other luxury travel cards, like The Business Platinum Card® from American Express
. For a more modest annual fee — $395
vs. $695
— the Venture X Business still offers premium perks, like a $300 annual travel credit on bookings through Capital One Travel and complimentary access to Priority Pass and Capital One airport lounges. (See rates and fees.) The Business Platinum Card® from American Express
does have a few more bells and whistles than the Venture X Business, but also a lower base rewards rate. Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
$
395
. N/A
. United℠ Business Card
Best for: Airline business credit card
NerdWallet star rating:
5
.Should you get the
United℠ Business Card
? If you regularly fly with United, this card is a smart add to your business wallet. You can get perks like free checked bags, United Club passes, bonus miles each anniversary and an annual travel credit. Terms apply. But business owners who fly with multiple airlines will be better served by a general business travel card, like the Ink Business Preferred® Credit Card
or the Capital One Spark Miles for Business
, which offer more ways to redeem your rewards.Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. 1x mile on all other purchases.
$
99
.None.
The ongoing APR is 21.24%-28.24% Variable APR
. Capital One Spark Cash Select
Best for: Unlimited 1.5% cash back
NerdWallet star rating:
4.9
.Should you get the
Capital One Spark Cash Select
? Simplicity is the name of the game for this business credit card. There's no annual fee, you earn 1.5
% back on all purchases (with no caps or restrictions) and there is no foreign transaction fee if you use your card abroad. (See rates and fees.) That makes the Capital One Spark Cash Select
an easy card to carry, though not necessarily the most lucrative. You can net a bigger welcome offer and/or higher rewards rate with other cash back cards. If your business spends big in certain areas, like gas, office supplies or advertising, consider a card with bonus categories, like the Ink Business Cash® Credit Card
or the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
.Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
$
0
. None.
The ongoing APR is 17.99%-23.99% Variable APR
. Ink Business Preferred® Credit Card
Best for: Travel points + welcome offer
NerdWallet star rating:
4.7
.Should you get the
Ink Business Preferred® Credit Card
? This is one of our favorite business travel cards and is a good fit for companies that spend primarily on flights, hotels and rental cars. Make sure you can hit the spending requirement for the welcome bonus, as that adds a ton of value to this card. The Ink Business Preferred® Credit Card
’s main drawback: You don’t get extras like lounge access and travel credits. The Business Platinum Card® from American Express
is chock full of premium travel perks if that’s what you’re after, but has a monster of an annual fee.Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
. $
95
.None.
The ongoing APR is 20.49%-26.49% Variable APR
. Marriott Bonvoy Business® American Express® Card
Best for: Hotel business card for free nights, flexible rewards
NerdWallet star rating:
4.9
.Should you get the
Marriott Bonvoy Business® American Express® Card
? The free anniversary night benefit is reason enough to add this card to your business wallet. But the card’s ongoing usefulness depends on how often you have business travel that includes a hotel stay. If the answer is often, you can rack up a lot of points — and flex your elite status — with the Marriott Bonvoy Business® American Express® Card
. Otherwise, opt for a general travel card like the Ink Business Preferred® Credit Card
or U.S. Bank Business Altitude™ Connect World Elite Mastercard®
.Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.
$
125
.None.
The ongoing APR is 20.24%-29.24% Variable APR
. Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating:
4.8
.Should you get the
Ink Business Cash® Credit Card
? Businesses that primarily spend on office supplies and telecom services will get the most value out of this card, provided you won’t blow through the $25,000 cap. If your spending is more varied, look to a flat-rate cash-back business card instead, like the Ink Business Unlimited® Credit Card
or Wells Fargo Signify Business Cash Card.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 card purchases with no limit to the amount you can earn
. $
0
.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
. The Business Platinum Card® from American Express
Best for: Airport lounge access + travel credits
NerdWallet star rating:
4.8
.Should you get
The Business Platinum Card® from American Express
? This card is built for business owners who spend more time in an airport than an office. Yes, it has a beast of an annual fee. But it includes some serious travel perks, including access to multiple airport lounge networks and automatic hotel elite status, plus credits for airline fees, wireless bills and trusted traveler programs. The sum total of these benefits easily offsets the annual fee — assuming you actually use them. If you’re not sure, opt for a business travel card with a more manageable annual fee. The Capital One Venture X Business
offers a flexible annual travel credit and airport lounge access, among other perks, for a much lower annual fee ($395
).Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Terms Apply.
$
695
.None.
The ongoing APR is 18.74%-27.74% Variable APR
. The American Express Blue Business Cash™ Card
Best for: Intro APR + up to 2% cash back
NerdWallet star rating:
4.7
.Should you get
The American Express Blue Business Cash™ Card
? Consider this card if you need to finance a major purchase or have other big upfront costs. It’s also a great option for entrepreneurs who want to earn a high cash-back rate without worrying about bonus categories. But the card's highest rewards (2%) only apply to the first $50,000 in spending each year — a relatively low cap for many business owners. The Wells Fargo Signify Business Cash Card, on the other hand, earns 2% back on all spending, offers a similar intro APR period and a much larger welcome bonus.Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.
$
0
.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Intro APR period
NerdWallet star rating:
5
.Should you get the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
? Opt for this card if you need to finance a larger purchase or refinance existing credit card debt. It’s also one of our top picks for business gas credit cards, offering 3% back at gas stations and restaurants to keep you fueled and fed while you’re on the road. You also earn that bonus rate at office supply stores and with cell phone providers. If your business spending is varied, or simply concentrated elsewhere, consider a more general cash back business card, like Wells Fargo Signify Business Cash Card or the Ink Business Unlimited® Credit Card
.Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
$
0
.0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 18.24%-27.24% Variable APR
. Ink Business Premier® Credit Card
Best for: No preset spending limit
NerdWallet star rating:
4.5
.Should you get the
Ink Business Premier® Credit Card
? Businesses with frequent, big-ticket expenses will get the most value out of this charge card thanks to the cash-back boost (2.5% on purchases of $5,000 or more) and lack of a preset spending limit. But if you don’t make big purchases, it’s hard to justify the annual fee in a sea of stellar no annual fee business cards. Instead, look to the Ink Business Cash® Credit Card
to earn up to 5% back in select bonus categories or the Ink Business Unlimited® Credit Card
for a flat 1.5
% back on all your purchases.Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
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 Travel℠.
$
195
.None.
The Flex for Business Variable APR is 18.74%-26.74%
.Capital One Spark Miles for Business
Best for: Travel rewards (flat-rate)
NerdWallet star rating:
4.5
.Should you get the Need more flexibility when booking travel? Opt for the
Capital One Spark Miles for Business
? Go with the Capital One Spark Miles for Business
if you don’t mind booking the bulk of your travel through Capital One Travel, since that’s how you’ll earn the most rewards. This business travel card is also a good pick if you’re due to sign up, or renew, your Global Entry or TSA Precheck — you’ll get a credit if you pay for it with your Capital One Spark Miles for Business
card. (See rates and fees.)
Ink Business Preferred® Credit Card
, which offers up to 3x points on travel, regardless of where you book it. Just note: You’ll net a lower reward rate on some nontravel purchases. And the Ink Business Preferred® Credit Card
won’t reimburse you for trusted traveler programs.Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Unlimited 5X per dollar miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
$
95
.None.
The ongoing APR is 25.74% Variable APR
. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Best for: Cash back boost (up to 75%)
NerdWallet star rating:
4.4
.Should you get the
Business Advantage Unlimited Cash Rewards Mastercard®
? If you have a Bank of America business checking account, the Business Advantage Unlimited Cash Rewards Mastercard®
is almost a no-brainer. Its rewards boost for Preferred Rewards for Business members turns the standard cash-back rate (1.5%
) into 2.62% if you qualify for the highest tier. The card is less compelling if Bank of America isn't your primary business bank. Instead, check out the Wells Fargo Signify Business Cash Card, which offers the same rewards rate but with a longer intro APR period and more than double the welcome offer.Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
Members of Bank of America's Preferred Rewards progam can earn up to 2.62% on all purchases. Terms apply. $
0
. 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.74%-27.74% Variable APR
. The Blue Business® Plus Credit Card from American Express
Best for: Business card for new businesses
NerdWallet star rating:
4.4
.Should you get
The Blue Business® Plus Credit Card from American Express
? If you like The American Express Blue Business Cash™ Card
, but wish it offered more redemption options, this is your card. You get the same great reward rate and intro APR period, still with no annual fee. But you’ll earn Membership Rewards points, which you can redeem for travel (1 point = $1), instead of straight cash back. While you can redeem points as a statement credit, you’ll lose some value. Another point to consider: This card has a foreign transaction fee, and AmEx isn’t as widely accepted abroad, making this a poor choice for regular international business travel. The Ink Business Preferred® Credit Card
or Capital One Spark Miles for Business
would be a better option.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. Terms Apply.
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 apply.
$
0
.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
. American Express® Business Gold Card
Best for: Bonus categories that sync with your spending
NerdWallet star rating:
4.6
.Should you get the
American Express® Business Gold Card
? The biggest selling point of the American Express® Business Gold Card
is the card's bonus categories: advertising, software, gas stations, restaurants, transit and wireless service (only purchases made in the U.S. qualify). You'll earn 4X points on your top two eligible bonus categories each month, up to $150,000 in combined spend annually. And your bonus categories adjust automatically based on your spending. The American Express® Business Gold Card
's biggest downside? The annual fee: $375
(terms apply). While that's steep, it may be worth it. If you max out your bonus categories each year, for example, you'll net at least $5,625 worth of AmEx Membership Rewards (assuming you get 1 cent worth of value for each point). But if you're barely recouping the annual fee, there are better options out there, including the U.S. Bank Business Altitude™ Connect World Elite Mastercard®
and Ink Business Preferred® Credit Card
, which have similar bonus categories but much lower annual fees. Analyze your spending and run the numbers (this calculator can help) to determine if the juice is worth the squeeze.Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Terms Apply.
$375
. Terms apply.0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.74%-27.74% Variable APR
.Ramp Card
Best for: Corporate card (no personal guarantee)
NerdWallet star rating:
2.8
.Should you get the
Ramp Card
? Incorporated businesses with strong financials should look to Ramp if you want a business card with no personal guarantee. The card isn’t flashy; you’ll get simple, straightforward rewards plus business-friendly benefits like receipt matching, spending controls and expense management tools. If you want a corporate card that maximizes potential rewards, consider Brex Card
instead, which earns up to 7 points per dollar in certain bonus categories.None.
Reward rate varies by customer and is determined by Ramp.
$
0
.N/A.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Best for: Secured business credit card
This card has not been rated by NerdWallet.
Should you get the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card? Business owners with thin or poor personal credit have limited choices for small-business credit cards. If you can’t qualify for an unsecured option, this Bank of America card is a great alternative. Since it’s a secured card, you'll need to put down a deposit to serve as your credit limit. But unlike some similar products, this card still offers you rewards — unlimited 1.5% cash back on all purchases — and doesn’t charge an annual fee. Use it responsibly and you can establish business credit, as well as potentially get an upgrade from Bank of America to a non-secured card.
None.
Earn unlimited 1.5% cash back on all purchases.
$0.
N/A.
Business credit cards by issuer
Business credit cards by feature
Business credit cards by interest rate
The interest rate on your business credit card is an important factor to consider when comparing options. Rates have risen steadily over the past year, moving in step with the federal funds rate, increasing costs for business owners who carry a balance.
Most business cards offer an APR range; you need excellent credit (typically a FICO score above 720) to secure the lowest rate. Charge cards like
Capital One Spark Cash Plus
and Brex Card
don't advertise an APR range because these cards require the balance to be paid in full each month.Minimum APR | Maximum APR | |
|---|---|---|
American Express® Business Gold Card | 18.74 %. | 27.74 %. |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 17.74 %. | 27.74 %. |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | 17.74 %. | 27.74 %. |
Brex Card | N/A. | N/A. |
Capital One Spark Cash Plus | N/A. | N/A. |
Capital One Spark Cash Select | 17.99 %. | 23.99 %. |
Capital One Spark Miles for Business | 25.74 %. | N/A. |
Capital One Venture X Business | N/A. | N/A. |
Capital on Tap Business Credit Card | 17.99 %. | 43.99 %. |
Ink Business Cash® Credit Card | 17.74 %. | 25.74 %. |
Ink Business Preferred® Credit Card | 20.49 %. | 26.49 %. |
Ink Business Unlimited® Credit Card | 17.74 %. | 23.74 %. |
Ink Business Premier® Credit Card | 18.74 %. | 26.74 %. |
Marriott Bonvoy Business® American Express® Card | 20.24 %. | 29.24 %. |
Ramp Card | N/A. | N/A. |
The American Express Blue Business Cash™ Card | 17.74 %. | 25.74 %. |
The Blue Business® Plus Credit Card from American Express | 17.74 %. | 25.74 %. |
The Business Platinum Card® from American Express | 18.74 %. | 27.74 %. |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® | 19.24 %. | 26.24 %. |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 18.24 %. | 27.24 %. |
United℠ Business Card | 21.24 %. | 28.24 %. |
Types of business credit cards
What is a business credit card?
Business credit cards are a revolving line of credit that entrepreneurs can use to pay for company expenses. They typically offer rewards like cash back or points, as well as features like free employee cards with spending controls.
Most business credit cards let you spend up to a predetermined limit, then pay those items off over time with interest. Others have no preset spending limit, but the entire balance must be paid in full each month. Those are considered business charge cards and are best suited to established companies with reliable cash flow.
The terms "business credit card" and "small-business credit card" are often used interchangeably to refer to cards that are available to anyone with business income — gig workers, side hustlers and freelancers included. Approval for these kinds of cards largely depends on an applicant's personal credit history.
Corporate cards, sometimes called company cards, are different. These cards aren't available to sole proprietors, and approval is based on business financials rather than personal credit history. You typically need revenue in the multi-millions to qualify, though some options from fintech companies like Ramp and Brex, have more lenient requirements.
Business credit cards: Benefits and drawbacks
A business credit card can be a great tool to build business credit while earning rewards on things like operating costs and innventory, but they come with some risks, too. Weigh the benefits of a business credit card against any potential drawbacks before applying.
Pros
Build your business credit history.
Earn rewards for business spending.
Keep business and personal expenses separate.
Ability to issue employee cards; manage spending with custom controls.
Higher credit limits and bigger welcome offers than personal credit cards.
0% intro APR periods can be used to finance larger business purchases.
Cons
Most busines cards require a personal guarantee.
You need good/excellent personal credit to qualify.
Interest rates are high compared with business loans and lines of credit.
Business cards have fewer federal protections than consumer credit cards.
How to find the best business credit card for you
When choosing a business credit card, a simple cash-back option with no annual fee is a great choice for most companies. But it can pay to look at your spending to see whether there’s a better fit.
Spend a lot of time on the road? Look for a business card with travel perks like lounge access and preferred status. Spend a lot period? Then a card with an annual fee but a high rewards rate might justify the additional cost. (Plus, annual fees are deductible business expenses.)
If you’re going to carry a balance from month-to-month, prioritize a lower ongoing APR. Some business credit cards even 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.
🤓 Nerdy Tip
Looking to get the most rewards possible? Consider combining multiple business credit cards — like a flat-rate card and one with bonus categories. Having more than one card means you'll need to track more spending (and bills). But card issuers often have complementary options in their portfolios, which can help limit some of the management.What you need to apply for 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. You can get a business credit card without an SSN, but you'll need different identifying info instead.
- 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. If your business has no annual revenue, simply enter "$0."
- 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.
4 tips to maximize business credit card rewards
The American Express Blue Business Cash Card is NerdWallet’s pick for best business credit card of 2024. This card delivers high-value rewards and a lengthy intro APR period, giving businesses added flexibility and purchasing power, and it has no annual fee. That combination of simplicity and value makes the Blue Business Cash one of the best credit cards for new businesses and established companies.
The Blue Business Cash isn't a one-size-fits-all business card, though. Your company's spending habits and priorities should guide your choice for a new business credit card. That might mean a card with a big signup bonus or higher rewards in bonus categories. The best business card for frequent business travelers, for example, may have a higher annual fee but offer lounge access, purchase credits and other perks, major assets if you spend a lot of time in airports.
Business credit cards typically have higher credit limits and bigger sign-up bonuses than personal credit cards. Rewards structures on small-business cards are different, too, particularly the categories that earn bonus rewards.
A business credit card is more likely to earn bonus rewards on shipping or at office-supply stores, for example, than at supermarkets or movie theaters. There are also some differences in consumer protections and credit reporting for business cards vs. personal cards.
In general, you must operate a business to qualify for a small-business credit card, but that business does not have to be incorporated or even have a formal structure, such as a partnership or LLC. If you have a side hustle, freelance or do occassional gig work, you can apply for a small-business card, too.
Be aware, though, that the application will likely ask specific questions about your business — the name (if it has one), what kind of business it is, how much revenue it brings in, and so on.
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.
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.
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.
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
American Express® Business Gold Card
, see this page.To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page. View rates and fees of
Capital One Spark Cash Plus
.View rates and fees of
Capital One Spark Miles for Business
.View rates and fees of
Capital One Spark Cash Select
.The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on
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.