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

By Kelsey Sheehy, Rosalie Murphy
Last updated on May 10, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 14 minutes

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. If you just want to establish or build business credit, it’s hard to go wrong with a business credit card with flat-rate cash back and no annual fee. The
Ink Business Unlimited® Credit Card
is a good example.
Otherwise, look for benefits that meet your new business’s needs. Facing big startup costs? Consider an option with no preset spending limit or one that lets you pay down expenses without interest. Planning a marketing push or stocking up on supplies for a new office? Look for a cash-back card that pays higher rates on those kinds of spending to maximize your rewards.
Your new business’s lack of history shouldn’t deter you from applying. Business credit card issuers prioritize your personal credit history over factors like time in business or annual revenue. Your startup can likely choose from the best small-business credit cards if you have good or excellent personal credit. 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. If you just want to establish or build business credit, it’s hard to go wrong with a business credit card with flat-rate cash back and no annual fee. The
Ink Business Unlimited® Credit Card
is a good example.
Otherwise, look for benefits that meet your new business’s needs. Facing big startup costs? Consider an option with no preset spending limit or one that lets you pay down expenses without interest. Planning a marketing push or stocking up on supplies for a new office? Look for a cash-back card that pays higher rates on those kinds of spending to maximize your rewards.
Your new business’s lack of history shouldn’t deter you from applying. Business credit card issuers prioritize your personal credit history over factors like time in business or annual revenue. Your startup can likely choose from the best small-business credit cards if you have good or excellent personal credit. 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

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

4.9/5
$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

5.0/5
$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

100,000

Points

Apply now

on Chase's website

0% intro APR

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

Apply now

on US Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

3.7/5
$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Startups with venture funding

Brex Card

Apply now

on Brex's website

3.1/5
$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

4.6/5
$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

3.9/5
$0

1.5%

$200

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

4.8/5
$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 US 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 US 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

4.9/5
$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

5.0/5
$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

100,000

Points

Apply now

on Chase's website

0% intro APR

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

Apply now

on US Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

3.7/5
$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Startups with venture funding

Brex Card

Apply now

on Brex's website

3.1/5
$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

4.6/5
$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

3.9/5
$0

1.5%

$200

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

4.8/5
$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 US 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 US 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.

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I'M INTERESTED IN:

Our pick for

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

The American Express Blue Business Cash™ Card

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 

4.9/5
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

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 

5.0/5
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

Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 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
100,000 Points

Our pick for

0% intro APR

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

Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
One of the few business credit cards to offer a 0% intro APR period on balance transfers, this card also 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 US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

Our pick for

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp requires a business bank account balance of $75,000. But if you can meet that, this corporate charge card might be easier to qualify for than similar options as it doesn't require venture backing or a personal credit check. There's no personal guarantee, either.

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Our pick for

Startups with venture funding

Brex Card

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 

3.1/5
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

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

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 

4.6/5
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

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

Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
You don't need stellar credit to qualify for this business card, which earns
1.5%
on all purchases. Applicants with with a FICO score of 670 or higher can typically qualify.

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200

Our pick for

Easy-to-manage bonus categories

American Express® Business Gold Card