Best Credit Cards for Construction and Contractors of April 2026
Store cards from home improvement retailers offer contractor-specific credit card perks, while other top cards for construction professionals give you more spending power and reward you for all types of purchases.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
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250+ small-business products reviewed and rated by our team of experts.
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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.
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question 1 of 4
What’s most important to you in a new business card?
1%-5% 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 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
2x-5x 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. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Miles
Intro offer
50,000 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.
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
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 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
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 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
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 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, 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.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
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
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
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
1x-5x Earn 5x total points on Lyft rides through 9/30/27. 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.
Points
Intro offer
100,000 Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100k 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
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k 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
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k 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
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
1%-5% 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 Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
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
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
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
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
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
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
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
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.
2%-5% 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 Business Travel.
Cashback
Intro offer
$2,000 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 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
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
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
1x-7x 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.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
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
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
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.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
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Why trust 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.
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Best credit cards for construction and contractors
Here are our complete picks, in alphabetical order:
Capital One Spark Cash: Best for no preset spending limit + unlimited 2% cash back (see
Ink Business Cash® Credit Card: Best for up to 5% cash back + sign-up bonus.
Ink Business Premier® Credit Card: Best for 2.5% cash back on purchases of $5,000 or more.
Lowe's Business Rewards Card from American Express: Best for Lowe's Business Rewards.
Ramp Card: Best for corporate card + spend management platform.
The American Express Blue Business Cash™ Card: Best for 2% cash back on up to $50,000. Terms apply.
The Business Platinum Card® from American Express: Best for 2X points on construction purchases + luxury travel perks.
The Home Depot® Commercial Account from Citibank: Best for net-60 terms at Home Depot.
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for intro APR period + 3% cash back on gas.
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 cards for contractors based on their independent research and ratings.
2%-5%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 Business Travel.
Cashback
$2,000Earn 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 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
1%-2%Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
$250Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
1%-5%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 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
$750Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
1%-5%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 Travel Center when using your card.
Cashback
$750Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
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.
The Business Platinum Card® from American Express
2X points on construction purchases + luxury travel perks
1x-5x5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases 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.
Points
200,000Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.
Capital One Spark Cash Plus
Best for No preset spending limit + unlimited 2% cash back
2%-5% 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 Business Travel.
Cashback
Intro offer
$2,000 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 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
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
1%-5% 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 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
1%-5% 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 Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
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.
The Business Platinum Card® from American Express
Best for 2X points on construction purchases + luxury travel perks
1x-5x 5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases 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.
Points
Intro offer
200,000 Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
2%-5% 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 Business Travel.
Cashback
Intro offer
$2,000 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 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
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
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
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
1%-5% 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 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
1%-5% 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 Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
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
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
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
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.
The Business Platinum Card® from American Express
Best for 2X points on construction purchases + luxury travel perks
The Business Platinum Card® from American Express
Best for 2X points on construction purchases + luxury travel perks
1x-5x 5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases 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.
Points
Intro offer
200,000 Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
Other top business credit cards for construction and contractors
The following cards are not available through NerdWallet. Our editorial team still recommends them.
NerdWallet star rating: 4.8.
Big one-off purchases are no surprise with construction work. The Ink Business Premier® Credit Card offers a special reward rate for those. You'll earn unlimited 2.5% total cash back on purchases of $5,000 or more (unlimited 2% cash back on all other business purchases). This card does have a $195 annual fee. It's also a pay-in-full charge card. But you do have the option to finance purchases of $500 or more, up to a set limit.
The Lowe's Business Rewards Card from American Express is a great option for contractors who rely on the home improvement store for the bulk of their materials. The card offers a 5% discount on eligible Lowe's purchases, as well as 2% cash back on Lowe's purchases and other business expenses (for instance, office supplies and cell phone service). You'll get cash back as Lowe's Business Rewards points, which you can redeem for a statement credit or gift cards.
Lowe's has other business cards, including a commercial account with net-60 terms. But these options are less rewarding than the Lowe's Business Rewards Card from American Express.
NerdWallet has not rated this product.
If Home Depot is your hardware store of choice, it has two business card options for you. Between them, we prefer The Home Depot® Commercial Account. It's a pay-in-full option that offers 2% back for invoices you pay within 20 days. Otherwise, you can get net-60 terms.
The chain also has a revolving credit card, the Pro Xtra Credit Card. Its rewards are "perks" tied to the Home Depot's loyalty program (Pro Xtra). You might save money with these special benefits. But you definitely will by utilizing the 2% back option on the commercial card.
Alternative financing options for construction businesses
Flex your purchase power wisely. Don’t use a construction business credit card to finance large purchases, such as machinery, unless you’re in a position to pay the balance off quickly. The interest charges will hit your bottom line.
Instead, use your business credit card for everyday expenses and items you can pay off within the 0% APR period (if your card has one). And look to small-business loans to fund more substantial purchases.
Business line of credit: Lines of credit are similar to business credit cards — you can draw from either as needed, up to a set credit limit. Business lines of credit may offer more funding than even the highest-limit business credit cards — up to $250,000 or more — and often at lower interest rates. But you won’t earn perks like cash back or have your interest waived for any period of time. Business owners can tap into a line of credit to smooth out the dips and dives in their regular cash flow.
Equipment financing: You can use an equipment loan to purchase everything from office equipment to construction machinery to heavy-duty vehicles. Equipment loans typically carry an interest rate of 8% to 30%, making them a more affordable option for financing machinery purchases, especially if you have a FICO credit score of 630 or higher.
All information about the Lowe's Business Rewards Card from American Express has been collected independently by NerdWallet.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
The information about the Ink Business Premier® Credit Card has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
Last updated on January 6, 2026
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.
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