7 Best Business Credit Cards for Startups of January 2022

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 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.

Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

No Annual Fee

Terms Apply

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Earn an annual $200 cash bonus every year you spend $200,000 or more

Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile

Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

Add employee cards for free, and earn unlimited 2% cash back from their purchases

$150 annual fee

Spark Cash Plus has no APR because your balance is due in full every month

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases

With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

No Annual Fee

Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

0% introductory APR for 12 months on purchases

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

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

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

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.

Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.

6x points at hotels participating in the Marriott Bonvoy™ program.

4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.

Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.

Terms apply.

Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.

Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.

Use the power of the Plum Card to buy big for your business.

No Foreign Transaction Fees.

Terms & Restrictions Apply.