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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 July 12, 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

120,000

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

$0

0%

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

120,000

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

$0

0%

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
120,000 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
120,000 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

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
0% Cashback
Intro offer
N/A
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).

Ramp Card

NerdWallet rating 

3.6/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
0% 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

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 18.49%-24.49% 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 18.49%-24.49% 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 and an additional 40,000 points when you spend $15,000 in 9 months.
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:
Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent 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
The
World of Hyatt Business Credit Card
starts with automatic elite status at Hyatt properties. Beyond that, it offers a very high rewards rate on Hyatt spending:
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. Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Earn 2 Bonus Points per $1 spent on fitness club and gym memberships and 1 Bonus Point per $1 spent on all other purchases.
You'll get an additional $100 in statement credits for Hyatt stays ($50 each for two different bookings) every year. 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 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:
4.9
The
Ink Business Preferred® Credit Card
offers one of the biggest sign-up bonuses in the game:
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.
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:
3.6
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 $75,000 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