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8 Best Business Credit Cards for Startups of August 2022

Last updated on August 11, 2022

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The best business credit cards for startups and new businesses offer spending power coupled with benefits that deliver financial flexibility or boost your bottom line, like a long 0% APR introductory period or cash back tied to travel or certain purchases.
Card issuers prioritize your personal credit history so even new businesses can choose from the best small-business credit cards if you have good credit. There are business credit cards for startups with no credit, as well, including secured business credit cards.
Some of our selections for the best business credit cards for startups can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Here are 8 business credit cards for startups from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

American Express Blue Business Cash™ Card

Apply now

on American Express' website

5.0/5

Best for Best overall

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Capital One Spark Cash Select - $500 Cash Bonus

Apply now

on Capital One's website

4.6/5

Best for Flat-rate cash-back rewards

$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash-back bonus categories, sign-up bonus

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Travel rewards + big sign-up offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.9/5

Best for Travel rewards (no annual fee)

$0

1.5x-3x

Points

30,000

Points

Apply now

on Bank of America's website

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

4.7/5

Best for 0% intro APR offer

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Ramp Card

Apply now

on Ramp's website

4.1/5

Best for Corporate card for startups

$0

1.5%

Cashback

$0

Apply now

on Ramp's website

The Hilton Honors American Express Business Card

Apply now

on American Express' website

5.0/5

Best for Hotel credit card

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

Our pick for

Best overall

Read Review
Apply now

on American Express' website

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

Flat-rate cash-back rewards

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Select - $500 Cash Bonus

4.6
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent

Pros

  • No annual fee
  • High rewards rate
  • No reward caps

Cons

  • Requires good/excellent credit

Our pick for

Cash-back bonus categories, sign-up bonus

Read Review
Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$750
Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Our pick for

Travel rewards + big sign-up offer

Read Review
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Our pick for

Travel rewards (no annual fee)

Read Review
Apply now

on Bank of America's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

3.9
NerdWallet rating 
Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent

Pros

  • No annual fee
  • New cardholder bonus offer
  • Intro APR period
  • No reward caps
  • No foreign transaction fees

Cons

  • Requires excellent credit

Our pick for

0% intro APR offer

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

4.7
NerdWallet rating 
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases and balance transfers

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

Our pick for

Corporate card for startups

Read Review
Apply now

on Ramp's website

Ramp Card

4.1
NerdWallet rating 
Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
300850poor - excellent

Pros

  • No annual fee or foreign transaction fees.
  • Simple, straightforward rewards.
  • No personal guarantee or credit check.
  • Direct integrations with popular tools and card-level spending controls and alerts.

Cons

  • Balance must be paid in full each month.
  • Not available to sole proprietors or unincorporated businesses.

Our pick for

Hotel credit card

Read Review
Apply now

on American Express' website

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points
Recommended Credit Score
690-850good - excellent

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

FULL LIST OF EDITORIAL PICKS: BEST SMALL-BUSINESS CREDIT CARDS FOR STARTUPS AND NEW BUSINESSES

Select the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Best overall 
The
American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also no annual fee. Read our review.
Our pick for: Flat-rate cash-back rewards
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards. Businesses that expect to spend $50,000 or more in their first six months should look to the
Capital One Spark Cash Plus
, which offers a higher bonus and rewards rate (for a higher annual fee). Read our review.
Our pick for: Cash-back bonus categories, sign-up bonus
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: Travel rewards + big sign-up offer
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Travel rewards (no annual fee)
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Read our review.
Our pick for: 0% intro APR offer 
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 16.24%-25.24% Variable APR
— all with a $
0
annual fee. Read our review.
Our pick for: Corporate card for startups
The
Ramp Card
's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers unlimited cash-back rewards and card-level spending controls with no annual fee. Read our review.
Our pick for: Hotel credit card
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards, automatic elite status with Hilton and 10 free visits to select airport lounges each year (a rare perk for hotel cards). Rather than automatically granting a free night each year, like most hotel cards with annual fees, you have to spend at least $15,000 per calendar year to earn a free weekend night. Terms apply. Read our review. 
Our pick for: Fair credit
The rewards rate on the
Capital One® Spark® Classic for Business
isn't going to wow anyone; there's no sign-up bonus and the APR is high. What makes this card valuable is that it's available to business operators with fair credit (a FICO score between 630-689), who don't have a lot of options in business credit cards — and it has no annual fee. Read our review.
Our pick for: Startups with no credit, bad credit
If you can afford to put a lot of money down, the
First National Bank Business Edition® Secured Mastercard® Credit Card
may be a good choice for bad-credit borrowers. The secured business credit card requires a credit check (personal credit) and security deposit (between $2,200 and $110,000 in multiples of $50) which dictates your credit limit. Your deposit earns interest and card activity is reported to Dun & Bradstreet, one of the three main business credit bureaus, so on-time payments will help build your business credit score. This card charges a $
39
annual fee. Read our review.

Can startups get business credit cards?

Startups with no established credit history can still get a business credit card because most issuers require a personal guarantee, which says if your business can’t repay the debt, you will. If you have good personal credit, you should have no issue opening a business credit card for your new business.
If you have no personal credit history or bad credit, you can still get a business credit card, though you will have fewer options and may need to start with a secured card.

Can you get a business credit card with an LLC?

Your new business’s structure won’t stop you from getting most small-business credit cards. Most business credit cards are available to LLCs, sole proprietors and corporations alike, though incorporated businesses with several million in revenue should weigh the differences between corporate credit cards and small-business credit cards to find the best fit.

How do small businesses establish credit?

A small-business credit card, used wisely, can help you build your business credit. Why does that matter? A strong business credit score can help you establish trade lines and secure a business loan for your startup.

How to get a business credit card for a new business

  • Know your credit score. To qualify for most business credit cards, you’ll need to have good to excellent personal credit (typically a FICO score of 690 or above). If your personal credit is thin or poor, business credit cards for bad credit are available. You can get a free credit score from many sources, including NerdWallet.
  • Look at your spending to find the best card. For example, if you or your employees travel often, consider a card with hotel or flight rewards. New businesses without months of receipts can look at future costs, such as opening an office. A card with bonus cash back on office supplies could make sense in that case. If you’ll use your card like a startup business loan, a long 0% APR introductory offer may be the right choice.
  • Check for fees. Every dollar counts for a startup, so you may prefer a business credit card that helps cover your expenses — instead of adding to them. Some cards charge annual fees, which may be hundreds of dollars. If the rewards outweigh that cost, paying a fee may be worth it. But there are also a number of business credit cards with no annual fee to choose from.
  • Gather your application materials. To get a business credit card, you’ll need to provide basic information about yourself, such as your name and Social Security number, and your new business. A formal business structure isn’t required for most cards. But in some instances — for example, if you want a corporate card for startups — you’ll need to provide company details like an employer identification number.
  • Use your card responsibly. Once you get your new business credit card, you can start spending. Many issuers offer free cards for employees, if you have any, and you’ll get any rewards tied to their purchases. If this is your first business credit card, work to build business credit by establishing good habits, such as keeping your spending low (20% to 30% of your credit limit) and making on-time payments.
To view rates and fees of the
American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Hilton Honors American Express Business Card
, see this page.
Last updated on August 11, 2022

To recap our selections...

8 Best Business Credit Cards for Startups of August 2022

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.