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.
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.
Visa’s cards can have built-in perks for business owners, including roadside assistance and extended warranties. However, the issuer determines your card’s overall rewards, interest rate and fees. The best approach is to choose a card based on all its features, not its payment network. But if you’re looking for Visa-specific benefits, you can review your business card agreement to see whether they’re included.
Here are our top picks for business credit cards that use Visa.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, 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.
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.
Visa’s cards can have built-in perks for business owners, including roadside assistance and extended warranties. However, the issuer determines your card’s overall rewards, interest rate and fees. The best approach is to choose a card based on all its features, not its payment network. But if you’re looking for Visa-specific benefits, you can review your business card agreement to see whether they’re included.
Here are our top picks for business credit cards that use Visa.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best Visa business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Unlimited cash back + intro APR Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Sign-up bonus Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Southwest fliers Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 4.8/5 | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
United fliers United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Hotel business credit card World of Hyatt Business Credit Card Apply now on Chase's website | 4.9/5 | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
Category-specific cash back + intro APR 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 |
Luxury travel rewards Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Spend management software Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Spent management software + cash back on travel BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Unlimited cash back + intro APR Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Sign-up bonus Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Southwest fliers Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 4.8/5 | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
United fliers United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Hotel business credit card World of Hyatt Business Credit Card Apply now on Chase's website | 4.9/5 | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
Category-specific cash back + intro APR 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 |
Luxury travel rewards Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Spend management software Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Spent management software + cash back on travel BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
I'M INTERESTED IN:
Our pick for
Unlimited cash back + intro APR
Ink Business Unlimited® Credit Card
Read Review
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
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
- Member FDIC
Our pick for
Sign-up bonus
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
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 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Southwest fliers
Southwest® Rapid Rewards® Performance Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
Pros
- High rewards rate
- Anniversary perk
- No reward caps
Cons
- High annual fee
- Rewards have limited flexibility
Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
Pros
- High rewards rate
- Anniversary perk
- No reward caps
Cons
- High annual fee
- Rewards have limited flexibility
This card makes up for its annual fee with a high rewards rate on purchases with Southwest and its Rapid Rewards partners, plus the money you spend on digital advertising and internet, cable and phone services. 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 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Our pick for
United fliers
United℠ Business Card
Read Review
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
Cardholders earn rewards on everyday spending, like dining, gas stations and transit, that they can use toward United flights. A sign-up bonus and no annual fee for the first year sweeten the deal.
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Our pick for
Hotel business credit card
World of Hyatt Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Cons
- Requires good/excellent credit
- Has annual fee
- No intro APR
- No free anniversary night
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Cons
- Requires good/excellent credit
- Has annual fee
- No intro APR
- No free anniversary night
This card is designed for business owners who frequent Hyatt hotels enough to use the benefits of elite status and accelerated earning opportunities.
- 60,000 Bonus Points after you spend $5,000 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
Our pick for
Category-specific cash back + intro APR
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- 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 $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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 at gas stations and restaurants 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Luxury travel rewards
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- Lounge membership
- High rewards rate
- Welcome offer
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 unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- 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 through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- 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
View Rates & Fees
Our pick for
Fair credit
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
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
N/A
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
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 17.99% to 43.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Spend management software
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
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).
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- 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.
Our pick for
Spent management software + cash back on travel
BILL Divvy Corporate Card
Read Review
Apply now
on BILL Spend & Expense's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Not available to sole proprietors.
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Not available to sole proprietors.
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.
Ink Business Unlimited® Credit Card
Best for: Unlimited cash back + intro APR
NerdWallet rating:
5
The
Ink Business Unlimited® Credit Card
pays a competitive 1.5
% cash back on all your spending. It might be a good choice if you have some big expenses coming up that you want to pay down over time, since it comes with 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR
. It also offers a generous sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
With no annual fee, there's no reason not to keep this card in your wallet for the long run. Learn more and apply.Ink Business Cash® Credit Card
Best for: Category-specific cash back + intro APR
NerdWallet rating:
4.8
The
Ink Business Cash® Credit Card
is a great choice for new business owners who are outfitting their offices for the first time thanks to its cash-back rewards: 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 at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn
. You'll also get an intro APR period: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
. And the sign-up bonus isn't bad either: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Learn more and apply.Southwest® Rapid Rewards® Performance Business Credit Card
Best for: Southwest loyalists
NerdWallet rating:
4.8
The
Southwest® Rapid Rewards® Performance Business Credit Card
is a workhorse among airline credit cards: Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.
Those rewards should more than offset the $199
annual fee. Plus, there's a big sign-up bonus for new cardholders: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Learn more and apply.United℠ Business Card
Best for: United loyalists
NerdWallet rating:
5
The
United℠ Business Card
lets you leverage your business spending toward United flights: 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. 1x mile on all other purchases.
You'll also get a free first checked bag on each flight and priority boarding privileges. The annual fee is $99
. Learn more and apply.World of Hyatt Business Credit Card
Best for: Hotel business credit card
NerdWallet rating:
4.9
Hyatt isn't as big as its competitors, but the
World of Hyatt Business Credit Card
is worth a look for business owners who spend a lot of time on the road. You can earn a lot of points on Hyatt spending, and those points have a high value compared with rival programs, plus you'll earn bonus points on your top three non-Hyatt spending categories each quarter. There's also a sign-up bonus, automatic elite status and more. Learn more and apply.Capital One Venture X Business
Best for: Luxury travel rewards
NerdWallet rating:
5
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else: Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the $395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.Ink Business Preferred® Credit Card
Best for: Sign-up bonus
NerdWallet rating:
4.7
The
Ink Business Preferred® Credit Card
offers one of the biggest sign-up bonuses in the game: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Beyond that, it has a respectable rewards rate, especially on travel: 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 - with no limit to the amount you can earn
. Make sure you'll use it enough to offset the $95
annual fee, though. Learn more and apply.Costco Anywhere Visa® Business Card by Citi
Best for: Costco shoppers
NerdWallet rating:
4.4
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.
Capital On Tap Business Credit Card
Best for: Fair credit
NerdWallet rating:
3.8
The
Capital on Tap Business Credit Card
issued by WebBank offers a competitive 1.5
% unlimited cash back with no annual fee. It also might be easier to qualify for than some cash-back competitors — Capital On Tap may approve borrowers with fair credit scores (typically considered a FICO score between 630 and 689). One key drawback: This card isn't available to sole proprietors. Learn more and apply.Ramp Card
Best for: Spend management software + flat-rate cash back
NerdWallet rating:
2.8
The
Ramp Card
stands out for its spend management platform — it comes with software that offers spending controls on employee cards, receipt matching, integrations with your accounting software and much more. The card doesn't require a personal guarantee, though you'll need at least $25,000 in the bank to qualify. And while the Ramp Card
earns rewards, the rate varies by customer and is determined by Ramp. Learn more and apply.BILL Divvy Corporate Card
Best for: Spent management software + cash back on travel
NerdWallet rating:
2.7
The
BILL Divvy Corporate Card
is linked to a spend management platform, too. Like Ramp, BILL's software comes with customizable spending controls, unlimited virtual cards and integrations with accounting software This card's rewards are potentially more lucrative, especially if your employees travel often: Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
Learn more and apply.Coast
Best for: Fleet cards
This card is not rated by NerdWallet.
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.
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.
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.
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.
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.
Last updated on December 10, 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 more about how we rate business credit cards.
