Best Business Charge Cards of July 2025

Business charge cards let you spend without credit limits. But you must pay your balance in full each billing cycle. Consider these cards if your company has a large operating budget and consistent cash flow.
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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

on Chase's website

Best Business Charge Cards

Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
Capital One Spark Cash Plus

Capital One Spark Cash Plus

on Capital One's website

Overall business charge card

$150

2%-5%

Cashback

$2,000

on Capital One's website

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
Ramp

Ramp Card

on Ramp's website

Corporate charge card

$0

1%-1.5%

Cashback

$250

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
Ink Business Premier® Credit Card

Ink Business Premier® Credit Card

on Chase's website

Charge card with flexible payments

$195

2%-5%

Cashback

$1,000

on Chase's website

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
Brex

Brex Card

on Brex's website

Charge card for startups (no personal guarantee)

$0

1x-7x

Points

10,000

Points

on Brex's website

Pros

  • No annual fee or foreign transaction fees
  • New cardholder bonus offer
  • No personal guarantee
  • Card-level spending controls

Cons

  • Complicated rewards structure
  • High capital requirement for approval
  • Daily repayment may be required
  • Not available to sole proprietors
BILL Divvy Corporate Card

BILL Divvy Corporate Card

on BILL Spend & Expense's website

Spend management tools

$0

1x-7x

Points

N/A

on BILL Spend & Expense's website

Pros

  • No annual fee
  • Card-level spending controls
  • No personal guarantee
  • Available to sole proprietors

Cons

  • Complicated rewards structure with limits on redemption
  • Rewards rate varies depending on user activity
Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

on Chase's website

Business travel charge card with flexible payments

$795

1x-8x

Points

200,000

Points

on Chase's website

Pros

  • New cardholder bonus offer
  • Annual travel credit
  • Statement credit for Global Entry, TSA PreCheck®
  • Airport lounge access for primary cardholder and guests

Cons

  • High annual fee
  • Complicated rewards
  • Requires excellent credit
  • Purchases that don't qualify for Flex for Business must be paid in full every month
Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
Capital One Spark Cash Plus

Capital One Spark Cash Plus

on Capital One's website

Overall business charge card

$150

2%-5%

Cashback

$2,000

on Capital One's website

Ramp

Ramp Card

on Ramp's website

Corporate charge card

$0

1%-1.5%

Cashback

$250

on Ramp's website

Ink Business Premier® Credit Card

Ink Business Premier® Credit Card

on Chase's website

Charge card with flexible payments

$195

2%-5%

Cashback

$1,000

on Chase's website

Brex

Brex Card

on Brex's website

Charge card for startups (no personal guarantee)

$0

1x-7x

Points

10,000

Points

on Brex's website

BILL Divvy Corporate Card

BILL Divvy Corporate Card

on BILL Spend & Expense's website

Spend management tools

$0

1x-7x

Points

N/A

on BILL Spend & Expense's website

Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

on Chase's website

Business travel charge card with flexible payments

$795

1x-8x

Points

200,000

Points

on Chase's website

Here are the best business charge cards

Capital One Spark Cash Plus

Best for Overall business charge card

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Best for Overall business charge card

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Ramp Card

Best for Corporate charge card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

Clock icon New bonus offer

on Ramp's website

Ramp Card

Best for Corporate charge card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

Clock icon New bonus offer

on Ramp's website

Ink Business Premier® Credit Card

Best for Charge card with flexible payments

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

Ink Business Premier® Credit Card

Best for Charge card with flexible payments

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

Brex Card

Best for Charge card for startups (no personal guarantee)

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Best for Charge card for startups (no personal guarantee)

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Best for Spend management tools

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Best for Spend management tools

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Sapphire Reserve for Business℠

Best for Business travel charge card with flexible payments

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

Sapphire Reserve for Business℠

Best for Business travel charge card with flexible payments

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

Should you get a business charge card or business credit card?

Business charge cards typically have no preset spending limit and must be paid in full every day, week or month, depending on your billing cycle. Business credit cards, on the other hand, have a set credit limit and allow cardholders to carry a balance (with interest charges).
Who should consider a business charge card? Businesses with high recurring costs and regular, reliable cash flow are good candidates for a business charge card. These companies can take advantage of unlimited spending potential without sweating the payment. (Note: Some charge cards let you pay for certain purchases over time.) Charge cards like Brex and Ramp can also be a good fit for incorporated companies that want a corporate charge card with no personal guarantee or annual fee.
Who should consider a business credit card? Companies that need a little flexibility — to finance purchases or cover the gap between revenue and operating expenses — should opt for a business credit card over a charge card. Businesses with lower annual spending (less than $50,000 per year) can also net comparable rewards with a business credit card, minus the annual fee or rigid payment requirements typical of a charge card. The American Express Blue Business Cash™ Card, for example, earns 2% back on the first $50,000 spent each year and has no annual fee.

Business charge cards: Pros and cons

Pros

No preset spending limit.

Higher rewards for higher spending.

Cons

Little to no wiggle room on payments.

High late fees.

High annual fees.

A business charge card can have distinct advantages for entrepreneurs — namely, no cap on spending. But there are trade-offs, including the potential for steep late payment penalties.

Pros

  • No preset spending limit: Businesses looking for a high-limit business credit card won’t be constrained by a credit limit with a business charge card. Note: Corporate charge cards, including Ramp and Brex, do cap your spending limit. And charge cards that allow you to pay over time on select purchases, like the Ink Business Premier® Credit Card, set a credit limit for financed purchases.
  • Higher rewards for higher spending: More purchasing power equals more opportunities to earn rewards. Many of the best business charge cards allow you to rack up unlimited rewards, where other cash-back business credit cards cap what you can earn. And the Ink Business Premier and Spark Cash Plus both give you extra incentive to charge more, with bonuses and cash back boosts for big spending. Want a regular business credit card that doesn’t cap your cash back? Check out the Ink Business Unlimited® Credit Card or the Wells Fargo Signify Business Cash℠ Card.

Cons

  • Limited wiggle room: Business charge cards offer a lot of spending leeway but minimal breathing room if your business has cash flow issues. A late payment can impact your business credit score, and serious delinquencies may also affect your personal credit. Ramp and Brex both automatically debit payments from linked bank accounts, and Brex may zero out your credit limit if a scheduled payment fails. (Note: Ramp and Brex are corporate cards. Missed payments on these cards impact your business credit, not your personal credit.)
  • High late fees: A missed payment on your business charge card can also lead to a hefty late fee — up to 2.99% of your outstanding balance, depending on your card. Miss a payment with a balance of $5,000? That could be a $149.50 late fee. On a $10,000 balance? $299. Most business credit cards charge a flat late fee, which is rarely more than $40.
  • Annual fee: Many of the best business charge cards come with high annual fees. The Ink Business Premier® Credit Card is $195 per year, for example, and the Capital One Spark Cash Plus has a $150 annual fee (see rates and fees ). Most cash-back business credit cards have no annual fee. And comparable business travel credit cards, like the Ink Business Preferred® Credit Card, have annual fees of just $95.  
Last updated on June 30, 2025

Frequently Asked Questions

Business charge cards can be used by companies to purchase inventory, software and other business needs. Charge cards typically have no preset spending limit and require your balance to be paid in full each billing cycle. Most corporate cards are also charge cards, though many have a spending limit that's tied to your business bank account and revenue.
The American Express Blue Business Cash card is a business credit card, not a charge card. Cardholders have a set credit limit and can carry a balance from month to month.

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.