Here are the best small business credit cards:

Best for flat-rate rewards

Capital One® Spark® Cash for Business
Apply Now on Capital One's secure site

Capital One® Spark® Cash for Business

Apply Now on Capital One's secure site

Best for 0% APR period

Ink Business Cash℠ Credit Card
Apply Now on Chase's secure site

Ink Business Cash℠ Credit Card

Apply Now on Chase's secure site

Best for airport lounge access

The Business Platinum® Card from American Express OPEN
Apply Now on American Express's secure site

The Business Platinum® Card from American Express OPEN

Apply Now on American Express's secure site

Best for fair credit

Capital One® Spark® Classic for Business
Apply Now on Capital One's secure site

Capital One® Spark® Classic for Business

Apply Now on Capital One's secure site

Our pick for

Flat-rate rewards




Benefits

Flat-rate rewards cards are a bit like khakis: a little boring, but they go with everything. When you pair this 2% cash-back card with a tiered rewards card, you’ll always earn more than the “1% back on everything else” that most cards promise. If you’re a one-credit-card type of entrepreneur, a flat-rate card like this will likely offer better long-term value than a tiered rewards card.

After the first year, you’ll break even on the annual fee only if you put more than $4,750 on the card per year. If you plan to spend less, consider a no-annual-fee card instead.
With unlimited 2% cash back, the Capital One® Spark® Cash for Business is a great deal on its own and can be a powerful complement to the other cards in your wallet.

Our pick for

0% APR period




Benefits

Credit cards with 0% APR periods are always crowd-pleasers, but for small businesses, they’re especially valuable. If you need to make a major inventory purchase, this $0-annual-fee card lets you float that debt interest-free for a while while earning great cash-back rewards. Also nice: You can get additional cards for employees at no cost and set spending limits on those cards.

You’ll miss out on the card’s most valuable rewards if your business doesn’t spend much at office supply stores or on telecommunications services.
With the longest 0% APR period among small business credit cards on NerdWallet, the Ink Business Cash℠ Credit Card is ideal for businesses trying to smooth out their cash flow.

Our pick for

Airport lounge access




Benefits

Business travelers know there’s nothing quite like getting a free meal, a quiet place to rest and maybe even a shower at an airport lounge during a long layover. The Business Platinum® Card from American Express OPEN provides access to more than 1,000 of these exclusive clubs worldwide, including Centurion lounges, Delta Sky Clubs, Airspace Lounges and Priority Pass Select lounges. You’ll also get a $200 credit for airline incidentals, such as checked baggage fees.

The $450 annual fee is steep, so it’s not a good fit for businesses with low operating expenses. But the fee is tax-deductible as a business expense, which makes it a little easier to stomach. Also be aware that this is a charge card, meaning you have to pay it in full each month.
For business travelers who spend a lot of time in the air, or waiting in airport lounges, The Business Platinum® Card from American Express OPEN can be a bargain even at $450 a year.

Our pick for

Fair credit




Benefits

As long as you pay your balance in full every month, this card is a whole lot cheaper than many of the high-interest loans and other short-term financing offers marketed to entrepreneurs with fair credit. You earn cash-back rewards on your spending, too. With on-time payments, you can work toward strengthening your personal credit and business credit.

The ongoing APR is 23.99% Variable APR, which is relatively high, so it’s not a good card for carrying debt.
If you have fair credit and can pay in full every month, the Capital One® Spark® Classic for Business might be the most affordable way for you to borrow money for your business.

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

Last update Jan. 27, 2017.

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.