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Does Discover Offer Business Credit Cards?

Discover doesn't offer business credit cards to new users. The cards below may have features similar to Discover — for instance, no annual fee or foreign transaction fee — with better rewards in some cases.
Rosalie Murphy

Written by

Rosalie Murphy
Rosalie Murphy
Ryan Lane

Edited by

Ryan Lane
Ryan Lane

Edited by

Ryan Lane
Last updated on Jan 6, 2026

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What’s most important to you in a new business card?
Rosalie Murphy

Written by

Rosalie Murphy
Rosalie Murphy
Ryan Lane

Edited by

Ryan Lane
Ryan Lane

Edited by

Ryan Lane
Last updated on Jan 6, 2026

Expert verified

Why trust NerdWallet

Advertiser disclosure

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Credit card
Credit card
 		Best for
Best for
 		NerdWallet rating
NerdWallet rating
 		Annual fee
Annual fee
 		Rewards rate
Rewards rate
 		Intro offer
Intro offer
 		Learn more
Learn more
Ink Business Unlimited℠ Credit Card

Ink Business Unlimited® Credit Card
NerdWallet mini logo

2026 BEST CREDIT CARD SMALL BUSINESS

5.0 /5
$0

1.5%-5%

Cashback

$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
U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card

Long intro APR

4.5 /5
$0

1%-5%

Cashback

$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 and balance transfers
  • 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
The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

Up to 2% cash back + no annual fee

4.5 /5
$0

1%-2%

Cashback

$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

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

No foreign transaction fees

4.2 /5
$0

1.5x

Points

50,000

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
Capital on Tap Visa

Capital on Tap Business Credit Card

Fair credit

4.5 /5
$0

1.5%

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
Best of awards Nerdwallet's badge Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Sign-up bonus

Close
Ink Business Unlimited℠ Credit Card

5.0

 
Read expert review
Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$750

External link icon 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

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Long intro APR

Close
U.S. Bank Triple Cash Rewards Visa® Business Card

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$750

External link icon 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 and balance transfers
  • 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

The American Express Blue Business Cash™ Card

Best for Up to 2% cash back + no annual fee

Close
The American Express Blue Business Cash™ Card

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

External link icon 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

Close
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

4.2

 
Read expert review
Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
50,000

Points
External link icon 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

Capital on Tap Business Credit Card

Best for Fair credit

Close
Capital on Tap Visa

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

External link icon 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
Filter by:
  • Circular arrow around dollar sign Cash Back
  • Award trophy Points
  • Credit card with award badge No Annual Fee
  • Zero with a percent sign 0% intro APR
  • Excellent (720+)
  • Good (690+)
  • Fair (630+)
Sort by:
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  • NerdWallet rating (high to low)
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Showing 0 out of 5 cards
Best of awards Nerdwallet's badge Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Sign-up bonus

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited® Credit Card

Best for Sign-up bonus

5.0

 
Read expert review
Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$750

External link icon 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
  • 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
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Rates & Fees

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
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Rates & Fees

Pros

  • High rewards rate
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Long intro APR

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Long intro APR

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$750

External link icon 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 and balance transfers
  • 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
  • Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
  • Earn 3% cash back on eligible purchases at gas 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).
  • 1% cash back on all other eligible purchases.
  • Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
  • Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
  • No limit on total cash back earned.
  • Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
  • Terms and conditions apply.

Rates & Fees

Pros

  • High cash-back bonus rate
  • No cap on bonus rewards
  • Intro APR period on purchases and balance transfers
  • 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
  • Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
  • Earn 3% cash back on eligible purchases at gas 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).
  • 1% cash back on all other eligible purchases.
  • Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
  • Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
  • No limit on total cash back earned.
  • Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
  • Terms and conditions apply.

Rates & Fees

Pros

  • High cash-back bonus rate
  • No cap on bonus rewards
  • Intro APR period on purchases and balance transfers
  • 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

The American Express Blue Business Cash™ Card

Best for Up to 2% cash back + no annual fee

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

Best for Up to 2% cash back + no annual fee

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

External link icon 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
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee

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
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee

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

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Best for No foreign transaction fees

4.2

 
Read expert review
Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
50,000

Points
External link icon 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
  • 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No limit to the amount of points you can earn and points don't expire as long as your account remains open.
  • No annual fee and no international transaction fees.
  • Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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
  • 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No limit to the amount of points you can earn and points don't expire as long as your account remains open.
  • No annual fee and no international transaction fees.
  • Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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

Capital on Tap Business Credit Card

Best for Fair credit

Capital on Tap Visa

Capital on Tap Business Credit Card

Best for Fair credit

4.5

 
Read expert review
Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

External link icon 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
  • 1.5% rewards on all spend, no caps or restrictions
  • $0 annual fee
  • No foreign exchange fees
  • APRs range from 17.24%-79.74% variable
  • Unlimited cards for your employees
  • Capital on Tap Business Credit Cards are issued by WebBank

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
  • 1.5% rewards on all spend, no caps or restrictions
  • $0 annual fee
  • No foreign exchange fees
  • APRs range from 17.24%-79.74% variable
  • Unlimited cards for your employees
  • Capital on Tap Business Credit Cards are issued by WebBank

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

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.
That was a flat-rate cash-back business credit card with no annual fee and no foreign transaction fees. Plenty of other credit card companies have options that offer combinations of the perks Discover provided small-business owners.
One exception is Discover's first-year rewards match. However, a number of lucrative business credit card sign-up bonuses are available.
» MORE: Best business credit card sign-up bonuses

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 17.49%-26.49% 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 January 6, 2026

Methodology

NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.