Best Visa Business Credit Cards of June 2025
Choose a business card based on all its features, not its payment network. But if you’re looking for Visa-specific benefits, Chase, Ramp and some Capital One cards operate on the Visa network.
Apply nowBest Visa Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card on Chase's website |  BEST SMALL BUSINESS CREDIT CARD OF 2025 | $0 | 1.5% Cashback | $750 | on Chase's website | |
| Pros
Cons
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 Ink Business Preferred® Credit Card on Chase's website | Sign-up bonus | $95 | 1x-3x Points | 90,000 Points | on Chase's website | |
| Pros
Cons
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 Southwest® Rapid Rewards® Performance Business Credit Card on Chase's website | Southwest fliers | $199 | 1x-4x Points | 80,000 Points | on Chase's website | |
| Pros
Cons
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 The New United℠ Business Card on Chase's website | United fliers | $0 intro for the first year, then $150 | 1x-2x Miles | 75,000 Miles + 2,000 PQP Miles | on Chase's website | |
| Pros
Cons
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 World of Hyatt Business Credit Card on Chase's website | Hotel business credit card | $199 | 1x-9x Points | 60,000 Points + Explorist status Points | on Chase's website | |
| Pros
Cons
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 Ink Business Cash® Credit Card on Chase's website | Category-specific cash back + intro APR | $0 | 1%-5% Cashback | $350 | on Chase's website | |
| Pros
Cons
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 Capital One Venture X Business on Capital One's website | Luxury travel rewards | $395 | 2x-10x Miles | 150000 | on Capital One's website | |
| Pros
Cons
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 Capital on Tap Business Credit Card on Capital on Tap's website | Fair credit | $0 | 1.5% | N/A | on Capital on Tap's website | |
| Pros
Cons
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 Ramp Card on Ramp's website | Spend management software | $0 | 1%-1.5% Cashback | $250 | on Ramp's website | |
| Pros
Cons
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 BILL Divvy Corporate Card on BILL Spend & Expense's website | Spent management software + cash back on travel | $0 | 1x-7x Points | N/A | on BILL Spend & Expense's website | |
| Pros
Cons
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 Coast Fleet Card on Coast's website | Fleet fuel card | Monthly fee of $4 per active user | 1¢-10¢ | N/A | on Coast's website | |
| Pros
Cons
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Here are the best Visa business credit cards
2025 BEST CREDIT CARD
SMALL BUSINESS
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Unlimited cash back + intro APR
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
on Chase's website
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Sign-up bonus
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
on Chase's website
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$199
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest fliers
Annual fee
$199
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
on Chase's website
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
The New United℠ Business Card
Best for United fliers
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
75,000 Miles + 2,000 PQP
Miles
on Chase's website
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000 Points + Explorist status
Points
on Chase's website
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000 Points + Explorist status
Points
on Chase's website
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Category-specific cash back + intro APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
on Chase's website
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150000
Offer ending soon
on Capital One's website
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Venture X Business
Best for Luxury travel rewards
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150000
Offer ending soon
on Capital One's website
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
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
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
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
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
Best for Spend management software
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
BILL Divvy Corporate Card
Best for Spent management software + cash back on travel
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Annual fee
Monthly fee of $4 per active user
Rewards rate
1¢-10¢
Intro offer
N/A
on Coast's website
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
Coast Fleet Card
Best for Fleet fuel card
Annual fee
Monthly fee of $4 per active user
Rewards rate
1¢-10¢
Intro offer
N/A
on Coast's website
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
Other picks: Visa business credit cards
The following business credit cards are not available through NerdWallet. Before applying, confirm details on the issuer's website.
Costco Anywhere Visa® Business Card by Citi
Best for: Costco shoppers
NerdWallet rating: 4.2
Costco warehouse locations and gas stations are the rare merchants that only accept Visa, not Mastercard, Discover or AmEx. This card not only supports those purchases, but also earns rewards — 4% on eligible gas and EV charging, 3% on restaurants and eligible travel (including Costco Travel), 2% cash back on purchases from Costco and Costco.com and 1% on everything else. You’ll need a Costco membership to apply, but the card doesn’t charge an additional annual fee. Learn more about Costco business credit cards
Valley Visa® Secured Business Credit Card
Best for: Secured business credit card
This card is not rated by NerdWallet.
PNC Visa Business Credit Card
Best for: Balance transfers
This card is not rated by NerdWallet.
The PNC Visa Business Credit Card is one of relatively few balance transfer business credit cards
What is a Visa business credit card?
Visa is a payment network that processes credit card transactions. It does not issue small-business credit cards
What are Visa business credit card benefits?
Credit card issuers can choose to include certain Visa-backed benefits with their products. The perks you might receive depend on which of three tiers your Visa card falls within.
On all its business credit cards, Visa offers a zero liability policy, which means you’re not responsible for unauthorized transactions using your cards. (This is common across most business credit cards.) Your card issuer can also choose to include Visa-powered discounts on spending with brands like Microsoft, Mailchimp and FreshBooks
Additional features vary by tier:
- Visa Business Credit Card: This is the first of
Visa’s three credit card tiers - Visa Signature Business Credit Card:
Visa Signature perks - Visa Infinite Business: This is Visa’s premium offering, typically with the highest credit limits. On top of the above benefits, these cards may offer airport lounge access, a credit for TSA Global Entry or Pre-Check and trip cancellation benefits.
Ultimately, card benefits like reward rates and sign-up bonuses
Should you get a Visa business credit card?
Every credit card is affiliated with a payment network. Visa is among the most widely accepted around the U.S., along with Mastercard. It likely won’t make a difference
The other two payment networks are American Express and Discover. American Express offers credit cards directly to business owners instead of working with a card issuer as an intermediary, but there are no Discover business credit cards
Business Visa, Mastercard and American Express cards will all probably be accepted nearly everywhere your business makes purchases. It’s best to choose the business credit card that offers the most competitive rewards program and the lowest fees for your business, regardless of what payment network it relies on.
Does Visa offer business debit cards?
Visa also supports some prepaid business debit cards