Best Visa Business Credit Cards of April 2026
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.
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Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Unlimited cash back + intro APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Ink Business Cash® Credit Card
Best for Category-specific cash back + intro APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
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
Capital One Venture X Business
Best for Luxury travel rewards
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Ink Business Preferred® Credit Card
Best for Sign-up bonus
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ramp Card
Best for Spend management software
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
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
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest fliers
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
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
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
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
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
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
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
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Cash Back - Points
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- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
- Bad (<629)
- No credit check
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Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Unlimited cash back + intro APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This card pays a solid, flat cash-back rate on all spending. It also comes with a generous sign-up bonus and an intro APR offer.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This card pays a solid, flat cash-back rate on all spending. It also comes with a generous sign-up bonus and an intro APR offer.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Ink Business Cash® Credit Card
Best for Category-specific cash back + intro APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
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
This card pays up to 5% cash back on the first $25,000 spent on business basics, like office supply stores and Internet bills. Plus, you'll get a solid 0% APR intro period.
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
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
This card pays up to 5% cash back on the first $25,000 spent on business basics, like office supply stores and Internet bills. Plus, you'll get a solid 0% APR intro period.
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
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
Capital One Venture X Business
Best for Luxury travel rewards
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This luxury travel card's perks include airport lounge access and an annual travel credit that helps easily offset the annual fee.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This luxury travel card's perks include airport lounge access and an annual travel credit that helps easily offset the annual fee.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Ink Business Preferred® Credit Card
Best for Sign-up bonus
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This card offers one of the best sign-up bonuses available on any credit card. It also pays ongoing rewards for travel expenses and a variety of business categories.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This card offers one of the best sign-up bonuses available on any credit card. It also pays ongoing rewards for travel expenses and a variety of business categories.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ramp Card
Best for Spend management software
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
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's corporate charge card offers standout software that offers spending controls, automatic receipt matching and integration with accounting software. Plus, there's no credit check or personal guarantee (but you’ll have to pay off the balance on this corporate card in full each month).
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
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's corporate charge card offers standout software that offers spending controls, automatic receipt matching and integration with accounting software. Plus, there's no credit check or personal guarantee (but you’ll have to pay off the balance on this corporate card in full each month).
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
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
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest fliers
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
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
This card makes up for its annual fee with a high rewards rate on purchases with Southwest, plus perks like in-flight Wi-Fi credits and a free first checked bag for you and up to eight passengers. There’s also a big sign-up bonus.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
Rates & Fees
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
This card makes up for its annual fee with a high rewards rate on purchases with Southwest, plus perks like in-flight Wi-Fi credits and a free first checked bag for you and up to eight passengers. There’s also a big sign-up bonus.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
Rates & Fees
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
World of Hyatt Business Credit Card
Best for Hotel business credit card
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
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
This card is designed for business owners who frequent Hyatt hotels enough to use the benefits of elite status and accelerated earning opportunities.
- 80,000 Bonus Points after you spend $10,000 on purchases in your first 3 months from account opening.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Rates & Fees
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
This card is designed for business owners who frequent Hyatt hotels enough to use the benefits of elite status and accelerated earning opportunities.
- 80,000 Bonus Points after you spend $10,000 on purchases in your first 3 months from account opening.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Rates & Fees
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
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
This card offers cash back on every purchase. It may be an option for business owners who are still building their credit, since you may qualify with a FICO score of 670 or higher. But it’s not available to sole proprietors, excluding many business owners.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
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
This card offers cash back on every purchase. It may be an option for business owners who are still building their credit, since you may qualify with a FICO score of 670 or higher. But it’s not available to sole proprietors, excluding many business owners.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
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
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
This corporate credit card comes with sophisticated spend management software — you can create employee cards with custom budgets, track spending, pair receipts with expenses and automatically categorize transactions. It may be a good choice if your employees travel often, since you’ll earn the highest rewards rates on spending at restaurants and hotels.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
This corporate credit card comes with sophisticated spend management software — you can create employee cards with custom budgets, track spending, pair receipts with expenses and automatically categorize transactions. It may be a good choice if your employees travel often, since you’ll earn the highest rewards rates on spending at restaurants and hotels.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
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
Coast is a fuel card, and it may be a good choice if your business operates a fleet of vehicles and your employees often need to get gas. Coast offers expense management tools similar to Ramp and BILL Divvy — you can set limits and track spending on each employee card — plus 2 to 7 cents off each gallon of gas and 1% back on all other spending. The card doesn’t require a personal guarantee.
- 4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
- 1% cashback on all non-fuel purchases.
- $25,000/year protection against fuel fraud losses.
- Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
- Average savings of 10% when switching from another payment method based on customer survey.*
- Get real-time alerts on suspicious fuel transactions.
- Lock to fuel only or unlock additional purchase categories with precise spend controls.
- Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
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 is a fuel card, and it may be a good choice if your business operates a fleet of vehicles and your employees often need to get gas. Coast offers expense management tools similar to Ramp and BILL Divvy — you can set limits and track spending on each employee card — plus 2 to 7 cents off each gallon of gas and 1% back on all other spending. The card doesn’t require a personal guarantee.
- 4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
- 1% cashback on all non-fuel purchases.
- $25,000/year protection against fuel fraud losses.
- Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
- Average savings of 10% when switching from another payment method based on customer survey.*
- Get real-time alerts on suspicious fuel transactions.
- Lock to fuel only or unlock additional purchase categories with precise spend controls.
- Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
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
Jump to
Other picks: Visa business credit cards
What is a Visa business credit card?
What are Visa business credit card benefits?
Should you get a Visa business credit card?
Does Visa offer business debit cards?
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.
Secured business credit cards are rare, but they can be a valuable tool for business owners with FICO scores below the good or excellent range (below 690). You can qualify for the Valley Visa® Secured Business Credit Card even if you have limited credit history by putting down a security deposit equal to 110% of your credit line. Using your card and making on-time payments can help build your credit so that you can qualify for other products down the line.
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. If you transfer balances to this card within 90 days of opening it, you’ll pay 0% APR on those balances for 13 billing cycles. Unfortunately, it doesn’t offer any ongoing rewards, like cash back or points.
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 itself. Instead, Visa business credit cards come from third parties — like Chase, Capital One, hotel chains or airlines — and operate on Visa's payment network.
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. It includes the benefits listed above, plus a roadside assistance phone line, some auto insurance coverage on rental cars and warranties on some items purchased with the card.
- Visa Signature Business Credit Card: Visa Signature perks include the above, plus roadside assistance, a lost luggage reimbursement and other travel 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 are determined by the issuer. They may or may not include Visa’s perks on top of their own. If they don’t, in some cases it may be because your card offers its own variation of that feature. You can look at your cardholder agreement to find out which type of Visa business card you have and if Visa-specific benefits are included.
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 which of these two networks your card relies on; you should be able to use Visa and Mastercard business credit cards virtually everywhere you need to (with Costco being the notable exception).
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 right now. Historically, these brands have been less widely accepted than Visa and Mastercard — especially abroad — but both are getting more and more popular.
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. You can issue these cards to issue fixed amounts of cash to your employees — for instance, if you need to give someone a per diem while on a business trip — or to empower them to make transactions on your behalf. Bento for Business and U.S. Bank both offer prepaid card programs that run on the Visa card network.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.