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Here are your recommended credit cards:

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

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

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

Capital One Spark Miles for Business

Capital One Spark Miles for Business

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

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

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

Capital One Venture X Business

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

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

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

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
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2026 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Ink Business Unlimited® 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

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

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

Brex Card

Annual fee
$0

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

Ramp 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

Capital One Spark Cash Plus

Capital One Spark Cash Plus

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

BILL Divvy Corporate Card

BILL Divvy Corporate Card

Annual fee
$0

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

Capital on Tap Business Credit Card

Annual fee
$0

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 One Spark Cash

Capital One Spark Cash

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
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info icon Recommendations do not guarantee card approval