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Best Business Credit Cards for Startups, New Businesses of August 2024

By Kelsey Sheehy, Rosalie Murphy
Last updated on July 18, 2024
Edited byRyan Lane
Fact checked and reviewed

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business credit cards for startups offer flexible financing for new businesses. The best card for you will depend on whether you're looking to launch or grow your operations.
Here are our top business credit card picks for new businesses:
If you just want to establish or build business credit, it’s hard to go wrong with a card that offers flat-rate cash back and no annual fee like the
Ink Business Unlimited® Credit Card
. Otherwise, review our complete list of picks below to find benefits that meet your new business’s needs — for instance, earning an extra-high rewards rate on spending at office supply stores.
Business credit card issuers prioritize your personal credit history over factors like time in business or annual revenue, so if you have good or excellent personal credit, your startup can likely choose from the best small-business credit cards. If you don’t, there are some cards for new business owners with no credit as well.
Note: 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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business credit cards for startups offer flexible financing for new businesses. The best card for you will depend on whether you're looking to launch or grow your operations.
Here are our top business credit card picks for new businesses:
If you just want to establish or build business credit, it’s hard to go wrong with a card that offers flat-rate cash back and no annual fee like the
Ink Business Unlimited® Credit Card
. Otherwise, review our complete list of picks below to find benefits that meet your new business’s needs — for instance, earning an extra-high rewards rate on spending at office supply stores.
Business credit card issuers prioritize your personal credit history over factors like time in business or annual revenue, so if you have good or excellent personal credit, your startup can likely choose from the best small-business credit cards. If you don’t, there are some cards for new business owners with no credit as well.
Note: 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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Here are the best credit cards for startups and new businesses from our partners

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

New small businesses (spending less than $50,000 per year)

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Setting up an office

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Sign-up bonus

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

0% intro APR

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card (no personal guarantee or credit check)

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Charge card for startups

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

AmEx Membership Rewards

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Overall cash-back card for startups

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Incorporated startups with fair credit

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5
$0

1.5%

N/A

Apply now

on Capital on Tap's website

Easy-to-manage bonus categories

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Business travel card for startups

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

New small businesses (spending less than $50,000 per year)

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Setting up an office

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Sign-up bonus

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

0% intro APR

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card (no personal guarantee or credit check)

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Charge card for startups

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

AmEx Membership Rewards

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Overall cash-back card for startups

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Incorporated startups with fair credit

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5
$0

1.5%

N/A

Apply now

on Capital on Tap's website

Easy-to-manage bonus categories

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Business travel card for startups

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Discover business products tailored to your needs

Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.

Fundera by NerdWallet

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Our pick for

New small businesses (spending less than $50,000 per year)

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
You'll earn 2% on your first $50,000 in spending each year and 1% on any spending beyond that threshold. There's also a long intro APR period and a decent welcome offer. Terms apply.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.7/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Setting up an office

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
You'll earn up to 5% cash back at office supply stores and on Internet, cable and phone bills. Plus, you can net one of the biggest welcome offers available for a cash-back card and take advantage of a long 0% APR intro period.

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Sign-up bonus

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
120,000 Points
The
Ink Business Preferred® Credit Card
delivers with a generous welcome offer and a high rewards rate on travel, advertising, shipping and telecom.

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
120,000 Points

Our pick for

0% intro APR

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

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
In addition to a long 0% intro APR period on purchases, this card boasts a big welcome offer and up to 3% cash back in certain bonus categories.

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

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Corporate card (no personal guarantee or credit check)

Brex Card

Read Review
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Venture-backed startups can qualify for this corporate card with as little as $50,000 in a business bank account (non-funded startups need $1 million). You can apply with an EIN only, and there's no personal guarantee.

Brex Card

NerdWallet rating 

3.2/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

Our pick for

Charge card for startups

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200
Heavy spending startups with secure cash flow can increase their purchase power — and their cash back – with the
Capital One Spark Cash Plus
. This charge card has no preset limit, but it doesn't allow you to carry a balance. There's also a huge welcome offer if you can qualify.

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

AmEx Membership Rewards

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Rack up AmEx Membership rewards with 2X points on all purchases (up to $50,000 each year) and 1X points after that. The welcome offer and intro APR period sweeten the pot. Terms apply.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Overall cash-back card for startups

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
A no-brainer cash back business card that deliver unlimited, flat-rate rewards alongside a stellar welcome offer and long intro APR period.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

Incorporated startups with fair credit

Capital on Tap Business Credit Card