Best Business Credit Cards of April 2026
We evaluated close to 70 business credit cards to find the best options for small businesses. Compare our top picks by their features, rewards and other business-friendly benefits.
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Best business credit cards
Here are our complete picks, in alphabetical order:
- American Express® Business Gold Card: Best for bonus categories that sync with your spending.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash-back boost (up to 75%).
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best for bad credit.
- Capital One Spark Cash: Best for no foreign transaction fee (see
- Capital One Spark Cash Plus: Best business charge card (no preset spending limit).
- Capital One Spark Cash Select: Best unlimited 1.5% cash back (see
- Capital One Spark Miles for Business: Best flat-rate travel rewards.
- Capital One Venture X Business: Best business travel card.
- Ink Business Cash® Credit Card: Best for up to 5% cash back in bonus categories.
- Ink Business Preferred® Credit Card: Best for bonus category travel rewards.
- Ink Business Unlimited® Credit Card: Best overall business credit card.
- Marriott Bonvoy Business® American Express® Card: Best hotel business card.
- Ramp Card: Best corporate card.
- Sapphire Reserve for Business℠: Best for welcome offer.
- The American Express Blue Business Cash™ Card: Best for new businesses.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx membership points.
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for intro APR period + no cap on bonus categories.
- Wells Fargo Signify Business Cash® Card: Best for unlimited 2% cash back.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business credit cards based on their independent research and ratings.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall business credit card
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Capital One Spark Cash Plus
Best for No preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash
Best for No foreign transaction fees
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
The American Express Blue Business Cash™ Card
Best for New businesses
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for AmEx membership points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Ink Business Cash® Credit Card
Best for Office supplies and telecom
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Capital One Venture X Business
Best for Business travel card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR period
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Cash-back boost (up to 75% more)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$500
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
The Business Platinum Card® from American Express
Best for Airport lounge access + travel credits
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ramp Card
Best for Corporate card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
Ink Business Preferred® Credit Card
Best for Bonus category travel rewards
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
American Express® Business Gold Card
Best for Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Capital One Spark Miles for Business
Best for Flat-rate travel rewards
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
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Sapphire Reserve for Business℠
Best for Welcome offer
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Marriott Bonvoy Business® American Express® Card
Best for Hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
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Cash Back - Points
- Miles
- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
- Bad (<629)
- No credit check
Sort by:
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Showing 0 out of 18 cards
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall business credit card
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Our top choice. This excellent business card pairs simple rewards, a big sign-up bonus and flexible redemption options. Cash back is earned as Chase Ultimate Rewards, which can be redeemed for a statement credit or travel, among other things.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Our top choice. This excellent business card pairs simple rewards, a big sign-up bonus and flexible redemption options. Cash back is earned as Chase Ultimate Rewards, which can be redeemed for a statement credit or travel, among other things.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Capital One Spark Cash Plus
Best for No preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
This pay-in-full charge card is best for businesses with big expenses and the cash flow to match. There's no preset spending limit, and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
This pay-in-full charge card is best for businesses with big expenses and the cash flow to match. There's no preset spending limit, and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash
Best for No foreign transaction fees
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
The Spark Cash stands out among cash-back business cards for two reasons: its high reward rate and the lack of foreign transaction fees. While there is an annual fee, which is waived for the first year, the eventual cost is worth it for businesses that regularly purchase inventory from vendors overseas. But if your business spends less than $20,000 annually, the Capital One Spark Cash Select may be a better long-term fit. It has a slightly lower cash-back rate (1.5%) but has no annual fee (and also does not charge a foreign transaction fee).
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
The Spark Cash stands out among cash-back business cards for two reasons: its high reward rate and the lack of foreign transaction fees. While there is an annual fee, which is waived for the first year, the eventual cost is worth it for businesses that regularly purchase inventory from vendors overseas. But if your business spends less than $20,000 annually, the Capital One Spark Cash Select may be a better long-term fit. It has a slightly lower cash-back rate (1.5%) but has no annual fee (and also does not charge a foreign transaction fee).
- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
The American Express Blue Business Cash™ Card
Best for New businesses
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card offers a lot for businesses just starting out. There's a $0 annual fee, long intro APR period and relatively easy-to-achieve welcome bonus. Its highest rewards (2%) do have a low cap (the first $50,000 in eligible spending each year), though. That may make it less of a fit for more established businesses.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card offers a lot for businesses just starting out. There's a $0 annual fee, long intro APR period and relatively easy-to-achieve welcome bonus. Its highest rewards (2%) do have a low cap (the first $50,000 in eligible spending each year), though. That may make it less of a fit for more established businesses.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for AmEx membership points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card mirrors The American Express Blue Business Cash™ Card. Except instead of cash back, you’ll earn Membership Rewards points. AmEx has more rewarding options for points fans, like the American Express® Business Gold Card. But you have to spend in certain categories to get that card's best rate. Plus, it has a hefty annual fee. We'll take the simplicity of The Blue Business® Plus Credit Card from American Express instead.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card mirrors The American Express Blue Business Cash™ Card. Except instead of cash back, you’ll earn Membership Rewards points. AmEx has more rewarding options for points fans, like the American Express® Business Gold Card. But you have to spend in certain categories to get that card's best rate. Plus, it has a hefty annual fee. We'll take the simplicity of The Blue Business® Plus Credit Card from American Express instead.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Ink Business Cash® Credit Card
Best for Office supplies and telecom
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
This card offers a top-tier rewards rate on office supply stores and telecom services. But only on your first $25,000 each year in eligible purchases. It's a great choice if you won’t blow past that cap. If you will, consider the U.S. Bank Triple Cash Rewards Visa® Business Card instead. Its rewards rate is lower, but there's no limit on bonus category cash back.
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas 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
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
This card offers a top-tier rewards rate on office supply stores and telecom services. But only on your first $25,000 each year in eligible purchases. It's a great choice if you won’t blow past that cap. If you will, consider the U.S. Bank Triple Cash Rewards Visa® Business Card instead. Its rewards rate is lower, but there's no limit on bonus category cash back.
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas 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
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Capital One Venture X Business
Best for Business travel card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This beefed-up travel card is a great option for folks who can't stomach the annual fee of other luxury travel cards. You still get premium perks, like airport lounge access and an annual travel credit to use on bookings through Capital One Business Travel.
- 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 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- 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 made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- 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
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This beefed-up travel card is a great option for folks who can't stomach the annual fee of other luxury travel cards. You still get premium perks, like airport lounge access and an annual travel credit to use on bookings through Capital One Business Travel.
- 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 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- 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 made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- 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
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One has cash-back business cards with higher reward rates — but not without annual fees. If that's a sticking point for you, consider this card. It has a great flat rate and no foreign transaction fees.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One has cash-back business cards with higher reward rates — but not without annual fees. If that's a sticking point for you, consider this card. It has a great flat rate and no foreign transaction fees.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR period
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The U.S. Bank Triple Cash Rewards Visa® Business Card has a wealth of benefits, including uncapped bonus-category cash back. But its intro APR period is the standout feature. It's not only long, but also applies to purchases and balance transfers. That's rare.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The U.S. Bank Triple Cash Rewards Visa® Business Card has a wealth of benefits, including uncapped bonus-category cash back. But its intro APR period is the standout feature. It's not only long, but also applies to purchases and balance transfers. That's rare.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Cash-back boost (up to 75% more)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$500
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
If you have a Bank of America business checking account, this card is a no-brainer. There's a rewards boost for Preferred Rewards for Business members. If you qualify for the highest membership tier, it increases the standard cash-back rate to 2.62%. The card is less compelling if Bank of America isn't your primary business bank.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
If you have a Bank of America business checking account, this card is a no-brainer. There's a rewards boost for Preferred Rewards for Business members. If you qualify for the highest membership tier, it increases the standard cash-back rate to 2.62%. The card is less compelling if Bank of America isn't your primary business bank.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
The Business Platinum Card® from American Express
Best for Airport lounge access + travel credits
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
This card is for business owners who spend more time in an airport than an office. It includes serious travel perks, including access to multiple airport lounge networks and automatic hotel elite status. Plus, you get credits for airline fees, wireless bills and trusted traveler programs. But its beast of an annual fee may make it difficult to get your money's worth.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
This card is for business owners who spend more time in an airport than an office. It includes serious travel perks, including access to multiple airport lounge networks and automatic hotel elite status. Plus, you get credits for airline fees, wireless bills and trusted traveler programs. But its beast of an annual fee may make it difficult to get your money's worth.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ramp Card
Best for Corporate card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp offers one of the most accessible corporate cards out there. Users can create unlimited virtual and physical cards, create custom controls for each and track spending across departments and projects. Cash back doesn't hurt, either.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- 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.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp offers one of the most accessible corporate cards out there. Users can create unlimited virtual and physical cards, create custom controls for each and track spending across departments and projects. Cash back doesn't hurt, either.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- 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.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
There are so many reasons to like this card. For starters, it is the only major business credit card with unlimited 2% cash rewards on purchases and no annual fee. It also has a long intro APR period and solid sign-up bonus.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
There are so many reasons to like this card. For starters, it is the only major business credit card with unlimited 2% cash rewards on purchases and no annual fee. It also has a long intro APR period and solid sign-up bonus.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
Ink Business Preferred® Credit Card
Best for Bonus category travel rewards
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This is one of our favorite business travel cards, thanks to its low annual fee, high rewards rate and outstanding welcome offer. While you don’t get extras like lounge access or travel credits, you do get one of the best point redemption rates in the industry.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This is one of our favorite business travel cards, thanks to its low annual fee, high rewards rate and outstanding welcome offer. While you don’t get extras like lounge access or travel credits, you do get one of the best point redemption rates in the industry.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
American Express® Business Gold Card
Best for Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
AmEx enthusiasts can earn lots of Membership Rewards with this card. You'll get 4X points on your top two eligible bonus categories each month, up to $150,000 in combined spend annually. And your bonus categories adjust to your spending. The big downside? The steep annual fee.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
AmEx enthusiasts can earn lots of Membership Rewards with this card. You'll get 4X points on your top two eligible bonus categories each month, up to $150,000 in combined spend annually. And your bonus categories adjust to your spending. The big downside? The steep annual fee.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Capital One Spark Miles for Business
Best for Flat-rate travel rewards
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
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Consider this card if you want a simple, inexpensive business travel card. You'll still get solid rewards rate and a few travel perks, including a statement credit for Global Entry or TSA Precheck fees. Plus, you can redeem your miles as a statement credit against travel purchases. That gives you maximum flexibility.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Consider this card if you want a simple, inexpensive business travel card. You'll still get solid rewards rate and a few travel perks, including a statement credit for Global Entry or TSA Precheck fees. Plus, you can redeem your miles as a statement credit against travel purchases. That gives you maximum flexibility.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Sapphire Reserve for Business℠
Best for Welcome offer
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Chase's luxury business travel card boasts sky-high reward rates on travel, especially if you book through Chase. But its ultimate value — especially given the steep annual fee — depends on whether you'll use its bevy of coupon-like credits.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Chase's luxury business travel card boasts sky-high reward rates on travel, especially if you book through Chase. But its ultimate value — especially given the steep annual fee — depends on whether you'll use its bevy of coupon-like credits.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Marriott Bonvoy Business® American Express® Card
Best for Hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
If you're a Marriott loyalist, this card is a smart pick. You get a free night award each card anniversary. Plus, you can rack up a lot of points — and flex your elite status — at Marriott properties. But points are best used for Marriott stays. Consider other hotel business credit cards if you're not a Marriott stan.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
If you're a Marriott loyalist, this card is a smart pick. You get a free night award each card anniversary. Plus, you can rack up a lot of points — and flex your elite status — at Marriott properties. But points are best used for Marriott stays. Consider other hotel business credit cards if you're not a Marriott stan.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Jump to
Other great small-business credit cards
How we chose the best business credit cards
Which business credit cards we consider
How we keep our picks up to date
How to choose a business credit card
Benefits and drawbacks of business cards
How to apply for a business credit card
Other great small-business credit cards
The following cards are not available through NerdWallet. We still recommend them if they fit your business's needs.
This card is a great choice if you can't qualify for other business cards due to a low personal credit score. A secured card will still let you establish credit in your company's name.
Bank of America
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
NerdWallet Rating
4.4
Annual Fee
$0
This card is currently not available to apply for through NerdWallet.
How we chose the best business credit cards
NerdWallet's editorial team evaluates business credit cards on more than a dozen factors. These include:
- Annual fee.
- Welcome bonus.
- Rewards rate.
- Bonus categories.
- Intro APR period.
Business cards need to earn at least 4.5 stars to make our list. We also consider cards below that number if they're the best in their category (secured business cards, for example). And not every highly rated card makes it by default. For instance, we may omit a 5-star corporate card that most businesses won't qualify for.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
Which business credit cards we consider
NerdWallet's editorial team has rated around 70 business credit cards for 2026. We focus on cards widely available to business owners. This typically means options from major issuers, like American Express, Bank of America, Capital One, Chase and U.S. Bank. But we also consider smaller issuers, like Capital on Tap, and corporate cards, like Brex and Ramp.
We research regional and niche cards as well. These cards don't always make our lists due to their limited availability. Still, these cards might meet your business's needs. For instance, balance transfer offers are much more common among smaller issuers. We include these options on relevant pages so you find the best solution possible.
Our team has covered or considered the following cards in 2025 and 2026 (listed alphabetically by name):
A
Atmos™ Rewards Visa Signature® Business card. Amazon Business American Express Card. Amazon Business Prime American Express Card. American Express® Blue Business Cash Card. American Express Blue for Business Plus. American Express® Business Gold Card. American Express Business Platinum. American Express Plum. AtoB Unlimited Fuel Card.
B
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Bank of America Platinum Plus for Business. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. BILL Divvy Corporate Card. BILL Divvy Reserve Card. Brex Card.
C
Capital on Tap Business Credit Card. Capital One Spark Cash. Capital One Spark Cash Plus. Capital One Spark Cash Select. Capital One® Spark® Classic for Business. Capital One Spark Miles for Business. Capital One® Spark® Miles Select for Business. Capital One Venture X Business. Charity Charge Nonprofit Business Card. Charity Charge Nonprofit Secured Business Card. Chase Ink Business Preferred. Chase Ink Business Premier. Chase Ink Cash. Chase Ink Business Unlimited. Chase United Business. Citi AAdvantage Business. Coast Fleet Card. Corpay World Elite Mastercard®. Costco Anywhere Visa® Business Card by Citi.
D
Delta SkyMiles® Gold Business American Express Card. Delta SkyMiles® Platinum Business American Express Card. Delta SkyMiles® Reserve American Express Card. Devote Visa® Commercial Credit card.
E
Edward Jones Business Plus Mastercard®. Expensify Visa® Commercial Card.
F
FairFigure Card. First Citizens Bank Low-Interest Business Credit Card. First Citizens Premium Rewards Business Card. First Entertainment Visa Platinum Business Card. First National Bank Business Edition® Secured Mastercard® Credit Card. Fuelman Mixed Fleet Card.
H
Hawaiian Airlines® Business Mastercard®. Hello Alice Small Business Secured Mastercard®. Hilton Honors American Express Business Card. Huntington Voice Business Credit Card℠.
I
IHG One Rewards Premier Business Credit Card. IO Card.
J
JetBlue Business Card.
L
Lili BusinessBuild Card.
M
M&T Bank Business Credit Card. Marriott Bonvoy Business® American Express® Card. Metro Business Builder Visa Credit Card.
N
Navy Federal Go Biz Rewards credit card.
P
Pacific Premier Bank Business Edition Secured Visa Card. PNC Visa® Business Credit Card.
R
Ramp Card. Revenued Business Card Visa Commercial Credit Card. Rho Corporate Card. Rippling Corporate Card.
S
Sapphire Reserve for Business. Security Service Power Business MasterCard®. Shell Small Business Card. Shopify Credit. Southwest® Rapid Rewards® Performance Business Credit Card. Southwest® Rapid Rewards® Premier Business Credit Card. Square Credit Card. State Farm Business Cash Rewards Visa Signature® Card. Stripe Corporate Card. Suncoast Credit Union Business Secured Visa.
T
TD Business Solutions Credit Card. Truist Business Card. Truist Business Cash Rewards Card. Truist Business Travel Rewards Card. Truist Business Premium Visa Infinite Card.
U
United Club℠ Business Card. U.S. Bank Business Altitude® Connect Visa Signature® Card. U.S. Bank Business Altitude™ Power World Elite Mastercard®. U.S. Bank Business Leverage® Visa Signature® Card. U.S. Bank Business Platinum Card. U.S. Bank Business Shield™ Visa® Card. U.S. Bank Commercial Rewards Card. U.S. Bank Triple Cash Rewards Visa® Business Card. UBS Cash Rewards Card. Umpqua Bank Visa Business Card.
V
Valley Bank Visa® Secured Business Credit Card.
W
Wells Fargo Signify Business Cash℠. WEX Fleet FlexCard. World of Hyatt Business Credit Card. Wyndham Rewards® Earner℠ Business Credit Card.
How we keep our picks up to date
NerdWallet has a full-time team of small-business writers and editors. Here's how they monitor this page — and the overall business credit card space:
- Reviewing information for all cards regularly. We do a full audit annually. But we also update card details and underlying star ratings as soon as details change. We have a dedicated data quality and compliance team that helps with this.
- Surveying card issuers. We ask for information that matters to business owners, but may not be publicly available. For instance, our most recent questionnaire dug into whether employee card spending counts toward welcome bonuses. (FYI, it doesn't for U.S. Bank.)
- Gauging online sentiment. We lurk on Reddit and other social channels to see what people say about their business credit cards. Our team frequently interviews business owners. We always ask them what business card they have and why.
- Following news and trends. New research about business card usage and card launches are big events for us. We rely on daily Google Alerts, emails from PR reps, AI-assisted web scraping and more to stay informed.
Find the right business card for you
Check out our editorial team's top picks by feature, benefit, business type and issuer:
Type of card:
Primary benefit:
Business type:
Issuer or payment network:
How do you choose a business credit card?
Your business's spending and goals should dictate your choice of business credit card. A simple cash-back option with no annual fee is a great choice for most companies. (It's also a good default if you're facing decision fatigue.) Other decision factors include:
Good-to-excellent personal credit is the main requirement for most business credit cards. If your FICO score is below 690, look to secured business cards or options for fair credit. The Capital One® Spark® Classic for Business, for instance, may be a fit in such instances. .
Business revenue and time in business may influence your initial credit limit. Otherwise, they don't play a large role in approval. That's great for new businesses and very small businesses. They can get a business card with no annual revenue as long as the owner has strong personal credit.
Corporate cards are the exception. Approval for those does depend on revenue, time in business and cash-on-hand. Most corporate card issuers don't even check your personal credit. You may be able to get these cards with only an EIN. Eligibility is typically limited to registered businesses (LLCs, corporations, partnerships, etc.). Sole proprietors are not eligible for most corporate cards.
Business card rewards fall into two categories: cash back or points/miles. Some cards, like the Ink Business Unlimited® Credit Card, award your cash back as points. You can then redeem them as a statement credit or via the card's travel portal (often at a higher rate). This is the best of both worlds.
Some business cards elevate rewards for specific categories — like advertising, gas or shipping. These options can be lucrative if you spend a lot in those areas. Just take note of any spending caps on those bonus categories.
Software discounts, airport lounge access and statement credits can increase a card's value. Take stock of how realistic it is you'll use such perks when comparing options.
Business card sign-up bonuses can add a ton of value to cards — if you can meet the spend requirements. Those can range from $6,000 to $30,000, depending on the card. Make sure you can clear the bonus requirements of any card you choose.
Eyeing equipment upgrades or need to float startup costs? Opt for a business card with a 0% intro APR period to save on costly interest charges.
Watch for foreign transaction fees if you travel abroad or buy inventory overseas. At 2%-3% of your purchase, such fees can cancel out any rewards you earn. Consider annual fees, late fees and other charges as well.
Business card applications can trigger a hard inquiry on your credit. But besides that, most only impact your personal credit score if you don't pay your bills.
Capital One is a notable outlier.
Most Capital One business cards reports all activity to personal and commercial credit bureaus. (The Capital One Spark Cash Plus and Capital One Venture X Business are exceptions.)
How much of your available credit you use plays a major role in your personal credit score. Even if you pay your bills off on time, high credit utilization on even one card can lower your score. That can make it harder to qualify for everything from a mortgage to a cell phone plan.
Which business credit cards report to consumer credit bureaus?
| What is reported to consumer credit bureaus | |
|---|---|
| American Express | Only negative information. |
| Bank of America | Only if your account is not in good standing. |
| Capital One | All activity is reported to consumer credit bureaus (exceptions noted above). |
| Chase | Only if the account is seriously delinquent. |
| U.S. Bank | Only if the account is seriously delinquent. |
| Wells Fargo | Only negative information. |
| Corporate cards like Brex and Ramp do not report to consumer credit bureaus. | |
Business credit cards are a good fit for most businesses. You may start with a low credit limit, especially if your business is newer or has little revenue. But issuers will typically raise your limit after a few on-time payments. While you can carry a balance on a business card, you'll face interest charges on unpaid amounts.
Business charge cards have no preset spending limit and may offer better rewards. But they leave you little wiggle room. You'll need to pay most purchases in full each statement cycle. Consider a charge card if your business has a big budget and steady cash flow.
Corporate cards usually have higher credit limits than traditional business cards. They often don't need a personal guarantee or credit check either. Instead, approvals depend on business financial data, like revenue and bank account balances. Most corporate cards are not available to sole proprietors and other non-registered businesses.
Most business credit cards come with employee cards (tied to the same account) for no extra cost. If you plan to issue such cards, consider what spending controls are at your disposal. Does a card let you set custom spending limits or restrict purchases to certain vendors? Research an issuer's fine print around employee card spending as well. It might not earn rewards or count toward a welcome bonus, for instance.
What are the benefits and drawbacks of business credit cards?
A business credit card can build your business credit and net you rewards on operating costs. But they come with risks, too. Weigh the benefits against potential drawbacks before applying.
Pros 
Build your business credit history.
Earn rewards for business spending.
Keep business and personal expenses separate.
Ability to issue employee cards; manage spending with custom controls.
Cons 
Most business cards require a personal guarantee.
You need good/excellent personal credit to qualify.
Interest rates are high compared with business loans and lines of credit.
Business cards have fewer federal protections than consumer credit cards.
What do you need to apply for a business credit card?
Applying for a business credit card is pretty straightforward. Business credit card requirements typically include:
- Business name. No formal business name? Just use your name.
- Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
- Employer identification number or Social Security number. You can get a business credit card without an SSN, but you'll need different identifying info.
- Industry. This can be broad — like retail, medical or professional services — or more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
- Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
- Time in business, revenue and expenses. If your business has no annual revenue, simply enter "$0."
- Personal guarantee. The majority of small-business credit card applications require a personal guarantee. This means you have to pay the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.
View of Capital One Spark Cash Plus.
View of Capital One Spark Miles for Business.
View of Capital One Spark Cash Select.
Information for the Capital One® Spark® Classic for Business was not reviewed by or provided by Capital One.
Frequently Asked Questions
Business credit cards are revolving lines of credit. They pair that access to capital with rewards on purchases, like cash back or points. Anyone with business income can get a business credit card. That includes gig workers, side hustlers and freelancers. Approval for these cards largely depends on an applicant's personal credit history.
Corporate cards, sometimes called company cards, are different. These cards usually aren't available to sole proprietors. They base approvals on business financials rather than personal credit history. You typically need revenue in the multi-millions to qualify. Options from fintech companies like Ramp and Brex, have more lenient requirements, though.
We picked the Ink Business Unlimited® Credit Card as the best business credit card. It combines straightforward rewards (1.5% on all purchases), a long intro APR period and a generous welcome offer. That marriage of simplicity and value is tough to beat. It makes this card a good fit for new businesses and established companies alike.
Business credit cards support a company's greater level of spending. They have higher credit limits than personal credit cards — plus bigger sign-up bonuses. Rewards structures on small-business cards are different, too. Bonus categories align with common business expenses, like advertising or office supplies. There are also differences in consumer protections and credit reporting.
You don't need a formalized business to get a business credit card. You can apply if you freelance, do gig work or even sell things on Facebook Marketplace. But be aware: You need to use a business card for business purposes only. Otherwise, it may go against your card's terms and conditions.
Everyone from a CEO to a side hustler can get a small-business credit card. You don't need to have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply.
A business card is great tool to separate your business and personal finances and establish business credit history. When you use the card only for business spending, its interest and fees can be tax deductible. Plus, business credit cards can beat the rewards, perks and bonuses of consumer cards.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.