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Best Visa Business Credit Cards of December 2024

Chase, Ramp and some Capital One cards operate on the Visa network.
By Rosalie Murphy
Last updated on November 18, 2024
Edited by Ryan Lane
Fact checked and reviewed

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best Visa business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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 forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

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

Ink Business Preferred® Credit Card

NerdWallet rating 

4.7/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

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

Southwest® Rapid Rewards® Performance Business Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points

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

United℠ Business Card

NerdWallet rating 

5.0/5
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

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

World of Hyatt Business Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points

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

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Luxury travel rewards

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

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

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

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

Capital on Tap Business Credit Card

NerdWallet rating 

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A

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.

Ramp Card

NerdWallet rating 

2.8/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A

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.

BILL Divvy Corporate Card

NerdWallet rating 

2.7/5
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A

NerdWallet's editorial picks: Visa business credit cards

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 17.99%-23.99% 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 17.99%-25.99% 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 per dollar on hotels and rental cars and 5X miles per dollar 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 per dollar 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.