Best Business Charge Cards of April 2026
Business charge cards don't have set spending 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 business charge cards
Here are our complete picks, in alphabetical order:
- BILL Divvy Corporate Card: Best for spend management tools.
- Brex Card: Best charge card for startups (no personal guarantee).
- Capital One Spark Cash Plus: Best overall business charge card.
- Ink Business Premier® Credit Card: Best for bonus cash back on big purchases.
- Ramp Card: Best for corporate charge card.
- Sapphire Reserve for Business℠: Best for business travel charge card with flexible payments.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business charge cards based on their independent research and ratings.
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
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
Best for Corporate charge card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
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
Capital One Venture X Business
Best for Business travel charge card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Sapphire Reserve for Business℠
Best for Business travel charge card with flexible payments
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
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
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
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
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
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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
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
This pay-in-full charge card is best for businesses with big expenses and the cash flow to match. There's no preset spending limit, and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
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
This pay-in-full charge card is best for businesses with big expenses and the cash flow to match. There's no preset spending limit, and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
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
Best for Corporate charge card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
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
This corporate charge card comes with business-friendly features like spending controls and receipt matching, and it’s easier to qualify for than other corporate charge cards. Plus, there’s no personal guarantee or credit check.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
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
This corporate charge card comes with business-friendly features like spending controls and receipt matching, and it’s easier to qualify for than other corporate charge cards. Plus, there’s no personal guarantee or credit check.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
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
Capital One Venture X Business
Best for Business travel charge card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
The Venture X Business is a terrific option for frequent travelers thanks to its sign-up bonus, annual travel credit, anniversary bonus and airport lounge access. The annual fee is much lower than the Chase Sapphire Reserve, too.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
The Venture X Business is a terrific option for frequent travelers thanks to its sign-up bonus, annual travel credit, anniversary bonus and airport lounge access. The annual fee is much lower than the Chase Sapphire Reserve, too.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Sapphire Reserve for Business℠
Best for Business travel charge card with flexible payments
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
This card works a lot like the other option from Chase on this list (the Ink Business Premier® Credit Card). It's a pay-in-full charge card, but you can finance eligible purchases as well. Beyond that, this card stands out for its luxury business travel perks and massive welcome offer. You'll pay a high annual fee for those benefits, though.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
This card works a lot like the other option from Chase on this list (the Ink Business Premier® Credit Card). It's a pay-in-full charge card, but you can finance eligible purchases as well. Beyond that, this card stands out for its luxury business travel perks and massive welcome offer. You'll pay a high annual fee for those benefits, though.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
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
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
The potential for a high credit limit (up to $15 million) and a robust spend management platform set the BILL Divvy Corporate Card apart from other corporate charge cards.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
The potential for a high credit limit (up to $15 million) and a robust spend management platform set the BILL Divvy Corporate Card apart from other corporate charge cards.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
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
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 is designed specifically for startups and delivers its higher rewards on ride shares, software subscriptions, Apple product purchases and select travel. Because it is a corporate card, there is no personal guarantee or credit check.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
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 is designed specifically for startups and delivers its higher rewards on ride shares, software subscriptions, Apple product purchases and select travel. Because it is a corporate card, there is no personal guarantee or credit check.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
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
Jump to
Other great business charge cards
What is a business charge card?
Business credit cards vs. business charge cards
Is a corporate card the same as a business charge card?
Who can get a business charge card?
Who should get a business charge card?
Business charge cards: Pros and cons
Other great business charge cards
The following cards are not available through NerdWallet. We still recommend them if they fit your business's needs.
This business charge card delivers with a generous welcome offer, a high initial spending limit and a better cash-back rate for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠. You have to pay your balance in full each month, but there is an option to finance certain purchases, up to a set limit. Read our full review.
What is a business charge card?
A business charge card is a type of credit card that doesn’t let you carry a balance. Instead, you have to pay your entire bill by the day your statement is due.
Most charge cards have no preset spending limit. How much you can buy adjusts regularly, depending on your spending habits and the card issuer’s data. That may give you a little more flexibility than a traditional credit card. You can find your current limit in your card’s online dashboard.
Charge cards are designed for big spenders or growing companies. They’re a tool for managing your cash flow, not for financing big purchases that will take time to pay off.
Business credit cards vs. business charge cards
Here are the key differences between traditional business credit cards and charge cards.
| Business credit cards | Business charge cards | |
| Credit limit |
|
|
| Repayment |
|
|
| Who it's best for | Businesses that value flexibility access to credit. | Businesses with high recurring costs and reliable cash flow. |
Is a corporate card the same as a business charge card?
Corporate cards are a type of business charge card. Like other charge cards, they require you to pay your balance in full regularly. But corporate cards usually come with more sophisticated software tools that can help you monitor and control expenses across your company.
Here’s a breakdown of how these options compare:
| Corporate cards | Business charge cards | |
| Credit limit |
|
|
| Repayment |
|
|
| Who cards are issued to | Your company, which does not require a personal guarantee. | You as an individual, which requires a personal guarantee. |
| Who it's best for | Registered businesses that want a company-wide spend management system. | Business owners who want lucrative credit card rewards. |
Who can get a business charge card?
In general, charge cards aren’t easy to qualify for. You’ll need at least one of the following:
- Excellent personal credit. That typically means a personal FICO score of 740 or higher. If your score is lower, shop around for other business cards — and make a plan to keep building your personal credit.
- Strong business revenue. Corporate card applications ask for details about your business’s financials, including your revenue and bank balance. Since these cards don’t require a personal guarantee, issuers want to make sure your business has the cash flow to pay down its balance. If your business is relatively small, start with a cash-back business credit card.
Who should get a business charge card?
You’re a good candidate for a business charge card if:
- You can always pay down your balance. Charge cards require you to pay your balance in full every month. Some corporate cards require weekly or even daily repayment. If your cash flow isn’t strong enough to ensure you can always pay your card in full, avoid charge cards for now.
- You need extra purchasing power. Business charge cards often have no preset spending limit. That’s not the same as “no limit.” Rather, the amount you can spend adjusts. That may let you buy more than a card with a set limit might. Based on your card usage, your credit limit may also grow faster. (Just remember it can decrease, too.)
- You put most of your spending on credit cards. If you’re using a corporate card with built-in expense management tools, using your cards as much as possible will give you maximum visibility into your company’s spending. If your charge card has a high limit, then spending more on it can also earn you more rewards.
- Your employees often spend on behalf of the business. In this case, you should specifically look at corporate charge cards, like Ramp and Brex. These cards usually let you create unlimited virtual cards, limit how they’re used, attach receipts to purchases and total up spending across departments or projects.
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, potentially high limits. But there are trade-offs, including the potential for steep late payment penalties.
Advantages of business charge cards
- No preset spending limit. Businesses looking for spending power won’t be constrained by a set credit limit with a business charge card. Note: 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. Some even give you extra incentive to charge more. For instance, the Capital One Spark Cash Plus will refund your $150 annual fee if you spend $150,000 on the card in a year (see
- Building your business credit. Any business credit card will help build your company’s business credit history. That can help suppliers and lenders see you as reliable.
- Increased efficiency. Corporate cards in particular can help streamline purchasing and accounting processes across your company.
Drawbacks of business charge cards
- 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.)
- Dynamic limits can decrease. It’s possible for your charge card issuer to revise your credit limit downward. This can happen if you use the card rarely or miss a payment, or if the issuer simply wants to reduce its credit risk. If you don’t notice a limit decrease, you risk getting a charge declined or spiking your utilization.
- 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 Sapphire Reserve for Business℠ has an enormous $795 annual fee, for instance. That's mostly due to its travel benefits. But you can get a solid business travel credit cards, like the Ink Business Premier® Credit Card, with an annual fee under $100. Prefer a cash-back option? Most of those have no annual fee at all.
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 writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.