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Best Visa Business Credit Cards of July 2024

Chase, Ramp and some Capital One cards operate on the Visa network.
By Rosalie Murphy
Last updated on June 20, 2024
Edited byRyan 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 from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited cash back + intro APR

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Sign-up bonus

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Southwest® Rapid Rewards® Performance Business Credit Card

Apply now

on Chase's website

4.8/5

Best for Southwest fliers

$199

1x-4x

Points

80,000

Points

Apply now

on Chase's website

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for United fliers

$0 intro for the first year, then $99

1x-2x

Miles

75000

Miles

Apply now

on Chase's website

World of Hyatt Business Credit Card

Apply now

on Chase's website

4.9/5

Best for Hotel business credit card

$199

1x-9x

Points

60,000

Points

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5

Best for Category-specific cash back + intro APR

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Luxury travel rewards

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Spend management software + flat-rate cash back

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5

Best for Spent management software + cash back on travel

$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Unlimited cash back + intro APR

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Sign-up bonus

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Southwest® Rapid Rewards® Performance Business Credit Card

Apply now

on Chase's website

4.8/5

Best for Southwest fliers

$199

1x-4x

Points

80,000

Points

Apply now

on Chase's website

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for United fliers

$0 intro for the first year, then $99

1x-2x

Miles

75000

Miles

Apply now

on Chase's website

World of Hyatt Business Credit Card

Apply now

on Chase's website

4.9/5

Best for Hotel business credit card

$199

1x-9x

Points

60,000

Points

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5

Best for Category-specific cash back + intro APR

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Luxury travel rewards

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Spend management software + flat-rate cash back

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5

Best for Spent management software + cash back on travel

$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

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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
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.

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
100,000 Points
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.

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 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
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.

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
75000 Miles
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.

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
75000 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
This card is designed for business owners who frequent Hyatt hotels enough to use the benefits of elite status and accelerated earning opportunities.

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
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.

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
This luxury travel card's perks include airport lounge access and an annual travel credit that helps easily offset the annual fee.

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
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.

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 + flat-rate cash back

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp's corporate charge card offers a flat-rate cash back, plus 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).

Ramp Card

NerdWallet rating 

3.6/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
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
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.

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