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 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. 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.
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.
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 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. 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.
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.
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Here are the best business charge cards
Here are the best business charge cards
Sort By
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
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
$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
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
$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 charge card
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
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)
Annual fee
$0
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
Annual fee
$0
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
Annual fee
$0
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
NerdWallet's editorial picks: Best business charge cards
Capital One Spark Cash Plus
Best for: Overall business charge card
NerdWallet star rating:
4.9
The
Capital One Spark Cash Plus
is a straightforward business charge card — there’s no option to finance select purchases — that gives you unlimited 2
% cash back on all purchases, with no bonus categories to track or spending caps to worry about. Big spenders can offset the $150
annual fee (and then some) with the stellar bonus offer for new cardholders: 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.
Keep in mind that the annual fee could also be a deductible business expense. (See rates and fees.) Learn more and apply.Ink Business Premier® Credit Card
Best for: Flexible payments
NerdWallet star rating:
4.7
The
Ink Business Premier® Credit Card
has an eye-popping welcome bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
You’ll also get a cash-back bonus on big-ticket 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℠.
Plus, there’s an option to finance qualified purchases of $500 or more, up to a set limit. Learn more and apply.Brex Card
Best for: Charge card for startups
NerdWallet star rating:
5
Brex Card
rewards loyalty, as businesses that use the card exclusively earn the best rewards, including bonuses on startup expenses like recurring software charges and select purchases from Apple. Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors, so business owners don’t have to personally guarantee the debt on the card. And the card has two payment options: daily or monthly. If approved for a Brex card, you get instant access to a virtual card so you can start earning rewards immediately. Learn more and apply.Ramp Card
Best for: Corporate charge card
NerdWallet star rating:
4.3
The
Ramp Card
does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee. Learn more and apply.BILL Divvy Corporate Card
Best for: Spend management tools
NerdWallet star rating:
4.2
The
BILL Divvy Corporate Card
offers solid rewards, particularly to businesses that opt for a weekly payment schedule, paying out up to 7x points on restaurants and 5x points on hotels. But where BILL Divvy Corporate Card
really shines is its spend management platform. Bill offers unlimited employee cards (virtual and physical) and empowers business owners with card-level controls, including the ability to set budgets and automatically categorize spending. Bill's rewards structure is more complicated than most charge cards, though. And while you start accruing points on day one, you can't redeem them during your first year. Learn more and apply.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 theInk 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 theInk Business Unlimited® Credit Cardor theWells 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. TheInk Business Premier® Credit Cardis$195per year, for example, and theCapital One Spark Cash Plushas a$150annual fee (see rates and fees). Most cash-back business credit cards have no annual fee. And comparable business travel credit cards, like theInk Business Preferred® Credit Card, have annual fees of just$95.
Last updated on April 15, 2025
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.
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.