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.
Best business cards for startups
- American Express® Business Gold Card: Best for advertising + software.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best for new business owners with bad credit.
- Brex Card: Best corporate card for startups.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for cash-back rewards + no foreign transaction fees.
- Capital One® Spark® Classic for Business: Best for sole proprietors with fair credit.
- Capital on Tap Business Credit Card: Best for startups with fair credit.
- Ink Business Cash® Credit Card: Best for up to 5% back on office supplies, internet and phone.
- Ink Business Preferred® Credit Card: Best for travel rewards + big sign-up offer.
- Ink Business Unlimited® Credit Card: Best overall card for new businesses.
- The American Express Blue Business Cash™ Card: Best for 2% back on up to $50K annually.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for travel, gas + EV charging (up to 4X points).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 0% APR period + 3% back on bonus categories.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back on all purchases.
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.
Best business cards for startups
- American Express® Business Gold Card: Best for advertising + software.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best for new business owners with bad credit.
- Brex Card: Best corporate card for startups.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for cash-back rewards + no foreign transaction fees.
- Capital One® Spark® Classic for Business: Best for sole proprietors with fair credit.
- Capital on Tap Business Credit Card: Best for startups with fair credit.
- Ink Business Cash® Credit Card: Best for up to 5% back on office supplies, internet and phone.
- Ink Business Preferred® Credit Card: Best for travel rewards + big sign-up offer.
- Ink Business Unlimited® Credit Card: Best overall card for new businesses.
- The American Express Blue Business Cash™ Card: Best for 2% back on up to $50K annually.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for travel, gas + EV charging (up to 4X points).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 0% APR period + 3% back on bonus categories.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back on all purchases.
Here are the best credit cards for startups and new businesses
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Best Small Business Credit Card 2025 Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
No preset spending limit Capital One Spark Cash Plus | 4.9/5 | $150 | 2%-5% Cashback | $2,000 | |
Up to 5% back on office supplies, internet and phone Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
2% back on up to $50K annually The American Express Blue Business Cash™ Card | 4.5/5 | $0 | 1%-2% Cashback | $250 | |
Travel rewards + big sign-up offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.8/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
0% APR period + 3% back on bonus categories U.S. Bank Triple Cash Rewards Visa® Business Card | 4.4/5 | $0 | 1%-3% Cashback | $750 | |
Corporate card for startups Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Cash-back rewards + no foreign transaction fees Capital One Spark Cash Select | 4.6/5 | $0 | 1.5%-5% Cashback | $500 | |
Startups with fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Advertising + software American Express® Business Gold Card | 4.3/5 | $375 | 1x-4x Points | 100,000 Points | |
Travel, gas + EV charging (up to 4X points) U.S. Bank Business Altitude® Connect Visa Signature® Card | 4.5/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | |
I'M INTERESTED IN:
Our pick for
Overall card for new businesses
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
No preset spending limit
Capital One Spark Cash Plus
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
- 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 purchasing power that adapts to your business. 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 Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $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
View Rates & Fees
Our pick for
Up to 5% back on office supplies, internet and phone
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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 at gas stations and restaurants 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
2% back on up to $50K annually
The American Express Blue Business Cash™ Card
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap