Discover doesn't offer business credit cards to new users. The issuer previously offered the
Discover it® Business Card
, but you can no longer apply for this card. If you’re a fan of Discover’s products, though, you can choose from business credit cards with similar features.Most of our Discover business credit card alternatives below are cash-back business credit cards. They also come with other perks Discover's card was known for, like no annual fee and no foreign transaction fees — plus some it lacked, like sign-up bonuses or 0% APR balance transfer periods. While none offers Discover's first-year rewards match, you may find a card that's an even better fit for your business.
All of our selections for the best business credit cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
Some of our selections for the best business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards available from our partners, followed by the full list of our picks.
Discover doesn't offer business credit cards to new users. The issuer previously offered the
Discover it® Business Card
, but you can no longer apply for this card. If you’re a fan of Discover’s products, though, you can choose from business credit cards with similar features.Most of our Discover business credit card alternatives below are cash-back business credit cards. They also come with other perks Discover's card was known for, like no annual fee and no foreign transaction fees — plus some it lacked, like sign-up bonuses or 0% APR balance transfer periods. While none offers Discover's first-year rewards match, you may find a card that's an even better fit for your business.
All of our selections for the best business credit cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
Some of our selections for the best business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards available from our partners, followed by the full list of our picks.
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Here are the best Discover business credit card alternatives
Here are the best Discover business credit card alternatives
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2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Sign-up bonus
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Long intro APR
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
The American Express Blue Business Cash™ Card
Best for Up to 2% cash back + no annual fee
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for No foreign transaction fees
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
30,000
Points
Apply now
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for No foreign transaction fees
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
30,000
Points
Apply now
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Ink Business Premier® Credit Card
Best for Unlimited 2% cash back + boost on big purchases
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap Business Credit Card
Best for Fair credit
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
NerdWallet's editorial picks: Best alternatives to Discover business credit cards
Ink Business Unlimited® Credit Card
Best for: Sign-up bonus
NerdWallet star rating: 5.0
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Learn more and apply.U.S. Bank Triple Cash Rewards Visa® Business Card
Best for: Long intro APR
NerdWallet star rating: 5.0
The
U.S. Bank Triple Cash Rewards Visa® Business Card
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
— all with a $0
annual fee. Learn more and apply.The American Express Blue Business Cash™ Card
Best for: Up to 2% cash back + no annual fee
NerdWallet star rating: 5.0
The American Express Blue Business Cash™ Card
cash-back offer has two parts: 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. Terms Apply.
(See rates and fees). The cap on bonus rewards reduces its appeal to high-spending entrepreneurs, but those with lesser expenses would be hard-pressed to find a richer flat rewards rate on a card with a $0
annual fee. Rewards are automatically credited to your statement each month. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: No foreign transaction fees
NerdWallet star rating: 3.7
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. Learn more and apply.Ink Business Premier® Credit Card
Best for: Unlimited 2% cash back
NerdWallet star rating: 4.9
The
Ink Business Premier® Credit Card
card, Chase's newest business credit card, offers a solid standard cash-back rate of 2
% plus a significant sign-up bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Its $195
annual fee is the highest on this list, but it may be worth it for big-spending business owners. The cash-back rate jumps to 2.5% on purchases of $5,000 or more. Learn more and apply.Capital On Tap
Best for: Fair credit
NerdWallet star rating: 3.8
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers 1.5%
cash back on all purchases, no annual fee and the potential for a low APR. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors, which excludes most businesses. Learn more and apply.Does Discover offer business credit cards?
No, Discover does not currently offer business credit cards. The issuer previously had such cards, including for the
Discover it® Business Card
, but is not accepting new applications at this time. You’ll need to look to other issuers for a flat-rate cash back business credit card. Fortunately, there are plenty of options. American Express, Bank of America, Capital One, Chase and other credit card companies all have business credit cards that offer combinations of the perks Discover provided small-business owners.
Can you use a personal Discover credit card for your business?
As long as the card issuer allows it, you can use a personal credit card for your business. Check your cardholder agreement for acceptable uses.
If you’re a solopreneur who needs to consolidate business credit card debt, the
Discover it® Cash Back
may be worth a look. It offers a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.24%-27.24% Variable APR
. Intro periods on balance transfer business credit cards are rare, while personal cards are more likely to offer them.Other than that, there are several important advantages business credit cards offer versus personal cards:
- Business credit cards tend to have higher credit limits.
- They may offer larger sign-up bonuses and extra cash back on categories related to business spending, like gas and office supplies.
- They can help you build your business credit score.
- You can often get free employee credit cards for your team to use on your behalf.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.Last updated on March 26, 2025
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. Learn how NerdWallet rates credit cards.
