What is a business charge card?

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.

Is the AmEx Blue Business Cash card a charge card?

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.

Best Business Charge Cards of June 2025

Business charge cards give companies the power to spend without credit limits. But your balance must be paid in full each billing cycle — and the fee for missing a payment can be substantial. Still, if you have a large operating budget and consistent cash flow, opting for a business charge card could net you impressive rewards and bonuses. Here are our picks for the best business charge cards:

Best overall business charge card: Capital One Spark Cash Plus.
Best charge card for startups: Brex Card.
Best charge card for flexible payments: Ink Business Premier® Credit Card.

Business charge cards vs. business credit cards: Which is right for your business?

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.

While all of our picks for best business charge 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.

Best Business Charge Cards

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	Overall business charge card	4.9 /5	$150	2%-5% Cashback	$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

Ramp Card Apply now on Ramp's website	Corporate charge card	4.3 /5	$0	1%-1.5% Cashback	$250	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

Ink Business Premier® Credit Card Apply now on Chase's website Rates & Fees	Charge card with flexible payments	4.7 /5	$195	2%-5% Cashback	$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

Brex Card Apply now on Brex's website	Charge card for startups (no personal guarantee)	5.0 /5	$0	1x-7x Points	10,000 Points	Apply now 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 Apply now on BILL Spend & Expense's website	Spend management tools	4.2 /5	$0	1x-7x Points	N/A	Apply now 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

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	Overall business charge card	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
Ramp Card Apply now on Ramp's website	Corporate charge card	4.3 /5	$0	1%-1.5% Cashback	$250	Apply now on Ramp's website
Ink Business Premier® Credit Card Apply now on Chase's website Rates & Fees	Charge card with flexible payments	4.7 /5	$195	2%-5% Cashback	$1,000	Apply now on Chase's website Rates & Fees
Brex Card Apply now on Brex's website	Charge card for startups (no personal guarantee)	5.0 /5	$0	1x-7x Points	10,000 Points	Apply now on Brex's website
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website	Spend management tools	4.2 /5	$0	1x-7x Points	N/A	Apply now on BILL Spend & Expense's website

Here are the best business charge cards

Capital One Spark Cash Plus

4.9

Best for Overall business charge card

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 Overall business charge card

4.9

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

Ramp Card

4.3

Best for Corporate charge card

Annual fee

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 charge card

4.3

Annual fee

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

Ink Business Premier® Credit Card

4.7

Best for Charge card with flexible payments

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 Charge card with flexible payments

4.7

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

Brex Card

5.0

Best for Charge card for startups (no personal guarantee)

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

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

Brex Card

Best for Charge card for startups (no personal guarantee)

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

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

4.2

Best for Spend management tools

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

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

BILL Divvy Corporate Card

Best for Spend management tools

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

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

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).

corporate charge card

with no personal guarantee or annual fee.

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.

Dig deeper: Pros and cons of business charge cards

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 9, 2025

Meet the editorial team

Kelsey Sheehy

Senior writer | Small business, personal finance

Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.