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.
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.
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.
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.
Here are the best Discover business credit card alternatives from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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% | $200 | Apply now on Capital on Tap's website |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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% | $200 | 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.
I'M INTERESTED IN:
Our pick for
Sign-up bonus
Ink Business Unlimited® Credit Card
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
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
- 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
- Member FDIC
Our pick for
Long 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
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
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
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Up to 2% cash back + no annual fee
The American Express Blue Business Cash™ Card
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
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
- 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, 18.49% - 26.49%, 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 up to $50,000 per calendar year, then 1%. 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
No foreign transaction fees
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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
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
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Our pick for
Unlimited 2% cash back + boost on big purchases
Ink Business Premier® Credit Card
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
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
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Good credit
Capital One Spark Cash Select for Good Credit
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
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
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
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
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
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
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
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
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
This is the business version of the issuer's excellent no-annual-fee travel card. 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 17.24%-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 April 19, 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.
