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.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Here are the best Discover business credit card alternatives

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Sign-up bonus

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Sign-up bonus

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

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

Best for Long intro APR

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

Best for Long intro APR

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

on American Express' website

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

on American Express' website

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

on Bank of America's website

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

on Bank of America's website

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

on Chase's website

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

on Chase's website

Capital on Tap Business Credit Card

Best for Fair credit

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Best for Fair credit

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

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.

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.
Notes from card issuers
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
Last updated on July 3, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards 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). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.