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 Triple Cash Rewards Visa® Business Card
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.
80+ 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.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 Triple Cash Rewards Visa® Business Card
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.
80+ 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.Find the right credit card for your business
Answer a few quick questions, and we’ll match you to personalized card recommendations.
Here are the best business credit cards
Here are the best business credit cards
Sort By
2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Cash-back business credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Up to 5% cash back in bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
The Blue Business® Plus Credit Card from American Express
Best for Business card for new businesses
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for Business card for new businesses
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for Business charge card for heavy spenders
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for Businesses with annual spend below $50K
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Cash back boost (up to 75% more)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Cash back boost (up to 75% more)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Travel points + welcome offer
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
The Business Platinum Card® from American Express
Best for Airport lounge access + travel credits
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
The Business Platinum Card® from American Express
Best for Airport lounge access + travel credits
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Ink Business Premier® Credit Card
Best for No preset spending limit
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ New bonus offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Venture X Business
Best for Welcome offer + annual travel credit
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ New bonus offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Capital One Spark Miles for Business
Best for Travel rewards (flat-rate)
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
Best for Corporate card (no personal guarantee)
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR period (purchases)
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
3 Free Night Awards
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Marriott Bonvoy Business® American Express® Card
Best for Hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
3 Free Night Awards
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
Apply now
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
The New United℠ Business Card
Best for Airline business credit card
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
Apply now
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best 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
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best 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
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
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 Triple Cash Rewards Visa® Business Card: Best for intro APR period (purchases and balance transfers).
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for 4X points on travel (up to $150K).
- The New 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:
4.9
.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 Triple Cash Rewards Visa® Business Card
, 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
17.49%-25.49% Variable APR
.Ink Business Unlimited® Credit Card
Best for: Cash-back business credit card
NerdWallet star rating:
4.9
.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 17.49%-23.49% Variable APR
. U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for: 4X points on travel (up to $150K)
NerdWallet star rating:
4.5
.Should you get the
U.S. Bank Business Altitude® Connect Visa Signature® Card
? 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 when redeemed for travel, 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 when using your card. 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 18.99%-25.99% Variable APR
.Capital One Spark Cash Plus
Best for: Business charge card for heavy spenders
NerdWallet star rating:
4.9
.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's travel booking site.
$
150
.N/A
. Capital One Venture X Business
Best for: Welcome offer and annual travel credit
NerdWallet star rating:
4.9
.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's travel booking site 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. For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site, 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
. The New United℠ Business Card
Best for: Airline business credit card
NerdWallet star rating:
4.9
.Should you get
The New 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 and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.
$
$0 intro for the first year, then $150
.None.
The ongoing APR is 20.49%-28.99% Variable APR
. Capital One Spark Cash Select
Best for: Unlimited 1.5% cash back
NerdWallet star rating:
4.6
.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 Triple Cash Rewards Visa® Business Card
.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's travel booking site.
$
0
. None.
The ongoing APR is 17.49%-23.49% Variable APR
. Ink Business Preferred® Credit Card
Best for: Travel points + welcome offer
NerdWallet star rating:
4.8
.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 20.24%-26.24% Variable APR
. Marriott Bonvoy Business® American Express® Card
Best for: Hotel business card for free nights, flexible rewards
NerdWallet star rating:
5
.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 Visa Signature® Card
.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 19.99%-28.99% Variable APR
. Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating:
4.6
.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 17.49%-25.49% Variable APR
. The Business Platinum Card® from American Express
Best for: Airport lounge access + travel credits
NerdWallet star rating:
4.5
.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
).Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. Terms Apply.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 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. 1X points on other eligible purchases. Terms Apply.
$
695
.None.
The ongoing APR is 18.49%-27.49% Variable APR
. The American Express Blue Business Cash™ Card
Best for: Intro APR + up to 2% cash back
NerdWallet star rating:
4.5
.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 17.49%-27.49% Variable APR
. U.S. Bank Triple Cash Rewards Visa® Business Card
Best for: Intro APR period
NerdWallet star rating:
4.4
.Should you get the
U.S. Bank Triple Cash Rewards Visa® Business Card
? 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 $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas 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 purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
$
0
.0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
. Ink Business Premier® Credit Card
Best for: No preset spending limit
NerdWallet star rating:
4.7
.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 18.49%-26.49%
.Capital One Spark Miles for Business
Best for: Travel rewards (flat-rate)
NerdWallet star rating:
4.7
.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's booking site, 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's travel booking site.
$
95
.None.
The ongoing APR is 25.24% Variable APR
. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Best for: Cash back boost (up to 75%)
NerdWallet star rating:
4.6
.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 17.49%-27.49% 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 17.49%-27.49% Variable APR
. American Express® Business Gold Card
Best for: Bonus categories that sync with your spending
NerdWallet star rating:
4.3
.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 Visa Signature® Card
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 18.49%-27.49% Variable APR
.Ramp Card
Best for: Corporate card (no personal guarantee)
NerdWallet star rating:
4.3
.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.Earn a one-time $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
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 | 18.49 %. | 27.49 %. |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 17.49 %. | 27.49 %. |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | 17.49 %. | 27.49 %. |
Brex Card | N/A. | N/A. |
Capital One Spark Cash Plus | N/A. | N/A. |
Capital One Spark Cash Select | 17.49 %. | 23.49 %. |
Capital One Spark Miles for Business | 25.24 %. | N/A. |
Capital One Venture X Business | N/A. | N/A. |
Capital on Tap Business Credit Card | 17.49 %. | 57.49 %. |
Ink Business Cash® Credit Card | 17.49 %. | 25.49 %. |
Ink Business Preferred® Credit Card | 20.24 %. | 26.24 %. |
Ink Business Unlimited® Credit Card | 17.49 %. | 23.49 %. |
Ink Business Premier® Credit Card | 18.49 %. | 26.49 %. |
Marriott Bonvoy Business® American Express® Card | 19.99 %. | 28.99 %. |
Ramp Card | N/A. | N/A. |
The American Express Blue Business Cash™ Card | 17.49 %. | 27.49 %. |
The Blue Business® Plus Credit Card from American Express | 17.49 %. | 27.49 %. |
The Business Platinum Card® from American Express | 18.49 %. | 27.49 %. |
U.S. Bank Business Altitude® Connect Visa Signature® Card | 18.99 %. | 25.99 %. |
U.S. Bank Triple Cash Rewards Visa® Business Card | 17.99 %. | 26.99 %. |
The New United℠ Business Card | 20.49 %. | 28.99 %. |
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 business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
