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Does Discover Offer Business Credit Cards?

Discover isn’t currently accepting applications for business credit cards. Consider these options instead.
By Rosalie Murphy
Last updated on May 7, 2024
Edited byRyan Lane
Fact checked and reviewed

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.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

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.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best Discover business credit card alternatives from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Sign-up bonus

$0

1.5%

Cashback

$750

Apply now

on Chase's website

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Long intro APR

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

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

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on Bank of America's website

3.8/5

Best for No foreign transaction fees

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited 2% cash back + boost on big purchases

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

4.0/5

Best for Good credit

$0

1.5%-5%

Cashback

N/A

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Sign-up bonus

$0

1.5%

Cashback

$750

Apply now

on Chase's website

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

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Long intro APR

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

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

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

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

Apply now

on Bank of America's website

3.8/5

Best for No foreign transaction fees

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited 2% cash back + boost on big purchases

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

4.0/5

Best for Good credit

$0

1.5%-5%

Cashback

N/A

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

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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Our pick for

Sign-up bonus

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

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

Long intro APR

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

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

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases and balance transfers

Cons

  • Requires good/excellent credit
  • Low rate outside 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

Up to 2% cash back + no annual fee

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

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

No foreign transaction fees

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

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Pros

  • No annual fee
  • New cardholder bonus offer
  • No reward caps
  • No foreign transaction fees

Cons

  • Requires excellent credit

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

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Our pick for

Unlimited 2% cash back + boost on big purchases

Ink Business Premier® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

Pros

  • High rewards rate
  • New cardholder bonus offer
  • No foreign transaction fees

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Purchases that don’t qualify for Flex for Business must be paid in full every month

Ink Business Premier® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

Our pick for

Good credit

Capital One Spark Cash Select for Good Credit

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
N/A

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period

Cons

  • No bonus offer

Capital One Spark Cash Select for Good Credit

NerdWallet rating 

4.0/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
N/A

Our pick for

Fair credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

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

Pros

  • Earn unlimited 1.5% cash back on all purchases
  • 24/7 customer service

Cons

  • Not available to sole proprietors, charities or nonprofits
  • Must enroll in automatic payments

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
N/A

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 Business Triple Cash Rewards World Elite Mastercard®

Best for: Long intro APR
NerdWallet star rating: 5.0
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% 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 One Spark Cash Select for Good Credit

Best for: Good credit
NerdWallet star rating: 4.6
Capital One offers two versions of its Spark Cash Select card with different sign-up benefits: The
Capital One Spark Cash Select for Excellent Credit
comes with a welcome bonus, whereas the
Capital One Spark Cash Select for Good Credit
offers an intro APR period, then a
21.24%-29.24% Variable APR
after that. (See rates and fees.) Opt for the
Capital One Spark Cash Select for Good Credit
if your credit is good, but not excellent (typically a FICO score between 690 and 719), or if you're planning to spend big and prefer paying your purchases off interest free instead of getting a bonus for them. 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. One important note: This card is not available to sole proprietors, which excludes the majority of 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%-28.24% 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.
Last updated on May 7, 2024

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.
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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.