Best Visa Business Credit Cards of August 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.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Here are the best Visa business credit cards

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink 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

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink 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

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

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

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

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

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

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

Ramp Card

Best for Spend management software

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Best for Spend management software

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

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

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

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

on Chase's website

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

on Chase's website

The New United℠ Business Card

Best for United fliers

Annual fee
$150

Rewards rate
1x-2x

Miles

Intro offer
100,000 Miles + 2,000 PQP

Miles

on Chase's website

The New United℠ Business Card

Best for United fliers

Annual fee
$150

Rewards rate
1x-2x

Miles

Intro offer
100,000 Miles + 2,000 PQP

Miles

on Chase's website

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

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

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

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

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

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

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.
Last updated on July 30, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards 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). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.