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.
- A personal credit card will not build your business credit history. Business and personal credit are two separate things. A sole proprietor can have excellent personal credit but no business credit history. Opening a business credit card is one way to establish and build your business credit history — which may make it easier to get a business loan or line of credit in the future — as a sole proprietor.
- But a personal card will definitely affect your personal credit. When you use a personal credit card, issuers report lots of information to the three personal credit bureaus. If you put a bunch of business expenses on this card, that could affect your personal debt-to-income and credit utilization ratios — which in turn could affect your credit score. With business credit cards, on the other hand, credit card companies typically only report late payments to consumer credit bureaus.
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.
- A personal credit card will not build your business credit history. Business and personal credit are two separate things. A sole proprietor can have excellent personal credit but no business credit history. Opening a business credit card is one way to establish and build your business credit history — which may make it easier to get a business loan or line of credit in the future — as a sole proprietor.
- But a personal card will definitely affect your personal credit. When you use a personal credit card, issuers report lots of information to the three personal credit bureaus. If you put a bunch of business expenses on this card, that could affect your personal debt-to-income and credit utilization ratios — which in turn could affect your credit score. With business credit cards, on the other hand, credit card companies typically only report late payments to consumer credit bureaus.
Here are the best sole proprietorship business credit card
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Sign-up bonus Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 | $95 | 1x-3x Points | 120,000 Points | Apply now on Chase's website |
Cash back on office spending Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Intro APR + cash back rewards + Intro APR + cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Premium travel perks and rewards The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Travel rewards U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Secured card to build your personal credit Capital One Platinum Secured Credit Card Apply now on Capital One's website Rates & Fees | 4.8/5 | $0 | N/A | N/A | Apply now on Capital One's website Rates & Fees |
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Sign-up bonus Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 | $95 | 1x-3x Points | 120,000 Points | Apply now on Chase's website |
Cash back on office spending Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Intro APR + cash back rewards + Intro APR + cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Premium travel perks and rewards The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Travel rewards U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Secured card to build your personal credit Capital One Platinum Secured Credit Card Apply now on Capital One's website Rates & Fees | 4.8/5 | $0 | N/A | N/A | Apply now on Capital One's website Rates & Fees |
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Our pick for
Sign-up bonus
Ink Business Preferred® Credit Card
on Chase's website
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Ink Business Preferred® Credit Card
NerdWallet rating