Best Business Credit Cards of November 2025

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 points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Capital One Venture X Business

4.9

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 points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Capital One Spark Miles for Business

4.7

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

Capital One Spark Miles for Business

4.7

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

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$900

Offer Ending Soon

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$900

Offer Ending Soon

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

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

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

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

Ink Business Cash® Credit Card

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$900

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

Ink Business Cash® Credit Card

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$900

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

U.S. Bank Triple Cash Rewards Visa® Business Card

4.5

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

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

U.S. Bank Triple Cash Rewards Visa® Business Card

4.5

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

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

Capital One Spark Cash Plus

4.9

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 Plus

4.9

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

4.7

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

Capital One Spark Cash

4.7

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

Ramp Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$500

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 Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$500

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

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

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≡ Show summary

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.
Brex Card: Best corporate card.
Capital One Spark Cash: Best for no foreign transaction fee (see
rates and fees
).
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
rates and fees
).
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.
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.

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2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall business credit card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$900

Offer Ending Soon

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall business credit card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$900

Offer Ending Soon

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

4.9

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 Plus

Best for No preset spending limit

4.9

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

The American Express Blue Business Cash™ Card

Best for New businesses

4.5

Annual fee

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 American Express Blue Business Cash™ Card

Best for New businesses

4.5

Annual fee

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

Capital One Spark Cash

Best for No foreign transaction fees

4.7

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

Capital One Spark Cash

Best for No foreign transaction fees

4.7

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 Blue Business® Plus Credit Card from American Express

Best for AmEx membership points

4.4

Annual fee

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

The Blue Business® Plus Credit Card from American Express

Best for AmEx membership points

4.4

Annual fee

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

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$900

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

Ink Business Cash® Credit Card

Best for Office supplies and telecom

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$900

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

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Best for Cash-back boost (up to 75% more)

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

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

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Best for Cash-back boost (up to 75% more)

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

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

5.0

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Elevated Offer

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

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.
New! 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. 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™.
New! 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.
New! 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

The Business Platinum Card® from American Express

Best for Airport lounge access + travel credits

5.0

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Elevated Offer

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

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.
New! 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. 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™.
New! 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.
New! 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

Capital One Venture X Business

Best for Business travel card

4.9

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 points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Capital One Venture X Business

Best for Business travel card

Best for Business travel card

4.9

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 points
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

4.7

Annual fee

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 Spark Cash Select

Best for Unlimited 1.5% cash back

4.7

Annual fee

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

American Express® Business Gold Card

Best for Bonus categories that sync with your spending

4.2

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

American Express® Business Gold Card

Best for Bonus categories that sync with your spending

4.2

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

Ink Business Preferred® Credit Card

Best for Bonus category travel rewards

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

Best for Bonus category travel rewards

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Capital One Spark Miles for Business

Best for Flat-rate travel rewards

4.7

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

Capital One Spark Miles for Business

Best for Flat-rate travel rewards

4.7

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

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Intro APR period

4.5

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

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

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Intro APR period

4.5

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

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

Sapphire Reserve for Business℠

Best for Welcome offer

4.7

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

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

Sapphire Reserve for Business℠

Best for Welcome offer

4.7

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

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

5.0

Annual fee

$125

Rewards rate

2x-6x

Points

Intro offer

125,000

Points

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

Marriott Bonvoy Business® American Express® Card

Best for Hotel business card

5.0

Annual fee

$125

Rewards rate

2x-6x

Points

Intro offer

125,000

Points

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

Brex Card

Best for Corporate card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

Best for Corporate card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

get these cards with only an EIN

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Jump to

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.

💳 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

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

Read Review

This card is currently not available to apply for through NerdWallet.

💳 Wells Fargo Signify Business Cash℠ Card

This is the only major business credit card with unlimited 2% cash back on all purchases and no annual fee. Previously, only existing Wells Fargo customers could apply online. The bank changed that in September 2025. Now, this card is far more accessible.

Wells Fargo

Wells Fargo Signify Business Cash℠ Card

NerdWallet Rating

5.0

Annual Fee

Read Review

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, but which are the best in their category (secured business cards, for example).

⭐ What our star ratings mean

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 close to 70 business credit cards in 2025. 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. Our writers and editors may not fully evaluate these options because of 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.

≡ Full list of business cards

Our team has covered or considered the following cards in 2025 (listed alphabetically by name):

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.

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.

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.

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.

Edward Jones Business Plus Mastercard®. Expensify Visa® Commercial Card.

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.

Hawaiian Airlines® Business Mastercard®. Hello Alice Small Business Secured Mastercard®. Hilton Honors American Express Business Card. Huntington Voice Business Credit Card℠.

IHG One Rewards Premier Business Credit Card. IO Card.

JetBlue Business Card.

Lili BusinessBuild Card.

M&T Bank Business Credit Card. Marriott Bonvoy Business® American Express® Card. Metro Business Builder Visa Credit Card.

Navy Federal Go Biz Rewards credit card.

Pacific Premier Bank Business Edition Secured Visa Card. PNC Visa® Business Credit Card.

Ramp Card. Revenued Business Card Visa Commercial Credit Card. Rho Corporate Card. Rippling Corporate Card.

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.

TD Business Solutions Credit Card. Truist Business Card. Truist Business Cash Rewards Card. Truist Business Travel Rewards Card. Truist Business Premium Visa Infinite Card.

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 Commercial Rewards Card. U.S. Bank Triple Cash Rewards Visa® Business Card. UBS Cash Rewards Card. Umpqua Bank Visa Business Card.

Valley Bank Visa® Secured Business Credit Card.

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 and business type:

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:

1. Eligibility requirements

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

. Eligibility is typically limited to registered businesses (LLCs, corporations, partnerships, etc.). Sole proprietors are not eligible for most corporate cards.

2. Types of rewards

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.

3. Spending categories

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.

4. Extra card perks

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.

5. Welcome bonus

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.

» MORE:

Best business credit card bonus offers

6. Intro APR period

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.

7. Card fees

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.

8. Impact on personal credit score

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.

9. Credit card, charge card or corporate card

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.

10. Employee cards

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.

Types of business credit cards

One blue credit card with a green card behind it.

Cash backSome cash-back cards offer up to 5% back in certain categories. Others offer a flat rate of 1%-2% on all business purchases.

A blue credit card with a golden plane at the bottom and a palm tree at the top.

Travel rewardsRack up points or miles to redeem on future travel. Plus, get perks like lounge access, free hotel stays and statement credits for Global Entry.

Charge cardsBusiness charge cards have no preset spending limit — appealing for large operating budgets. But you must pay your balance in full each month.

Corporate cardsApproval depends on your business financials, not your personal credit. Cards do not require a personal guarantee.

» MORE:

How many business credit cards do you need?

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 a 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.

4 tips to maximize business credit card rewards

1. Lock down that bonusYou typically need to spend $3,000 to $6,000 within three months to earn a welcome bonus (some cards require more).

One blue credit card on a flat surface with coins on both sides.

2. Leverage every perkCash back and travel points are often the tip of the iceberg. Using your card may get you discounts or credits on things like software and travel expenses.

3. Stack multiple business cardsEarn the best rate on all business spending. Use a flat-rate card for everyday purchases and one with bonus categories for costs like gas or advertising.

Paper documents wrapped with a ribbon that has a checkmark on it.

4. Deduct interest and feesIf you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.

Notes from card issuers

To view rates and fees of The American Express Blue Business Cash™ Card, see

To view rates and fees of The Blue Business® Plus Credit Card from American Express, see

To view rates and fees of The Business Platinum Card® from American Express, see

To view rates and fees of the American Express® Business Gold Card, see

To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see