ADVERTISEMENT: products from our partners
8 Excellent Small Business Credit Cards of 2024
Your business may be small, but your credit card rewards don't have to be. Check out these business credit cards, some of which are from our partners, to find better bonuses and rewards. Compare these deals, some of which are from our partners, to find the one for you.
Show summary
NerdWallet's Excellent Small Business Credit Cards of 2024
Ink Business Unlimited® Credit Card: Best for Unlimited cash back on purchases for your business
The Blue Business® Plus Credit Card from American Express: Best for new businesses
Ink Business Cash® Credit Card: Best for cash back bonuses and no annual fee
The American Express Blue Business Cash™ Card: Best for 0% intro APR and no annual fee
Capital One Spark Cash Plus: Best for heavy spenders
American Express® Business Gold Card: Best for bonus categories that sync with your spending
The Business Platinum Card® from American Express: Best for airport lounge access and travel credits
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more)
Excellent Small Business Credit Cards From Our Partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
| Excellent for Unlimited cash back on purchases for your business | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply Now on Chase's website on Chase's website | |
 The Blue Business® Plus Credit Card from American Express Apply Now on American Express' website on American Express' website | Excellent for new businesses | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply Now on American Express' website on American Express' website |
| Excellent for cash back bonuses and no annual fee | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply Now on Chase's website on Chase's website | |
 The American Express Blue Business Cash™ Card Apply Now on American Express' website on American Express' website | Excellent for 0% intro APR and no annual fee | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply Now on American Express' website on American Express' website |
| Excellent for heavy spenders | $150 | N/A | N/A | Apply Now on Capital One's website on Capital One's website | |
 American Express® Business Gold Card Apply Now on American Express' website on American Express' website | Excellent for bonus categories that sync with your spending | $375 | 0% intro APR on purchases for 6 months from the date of account opening | 19.49%-28.49% Variable APR | Apply Now on American Express' website on American Express' website |
 The Business Platinum Card® from American Express Apply Now on American Express' website on American Express' website | Excellent for airport lounge access and travel credits | $695 | N/A | 19.49%-28.49% Variable APR | Apply Now on American Express' website on American Express' website |
 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply Now on Bank of America's website on Bank of America's website | Excellent for cash back boost (up to 75% more) | $0 | 0% intro APR on Purchases for 9 billing cycles | 18.49%-28.49% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Excellent for: Unlimited cash back on purchases for your business
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
Recommended Credit Score
- 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
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Excellent for: new businesses
Apply Now
on American Express' website
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
Recommended Credit Score
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Excellent for: cash back bonuses and no annual fee
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
Recommended Credit Score
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Excellent for: 0% intro APR and no annual fee
Apply Now
on American Express' website
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
Recommended Credit Score
- 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, 18.49% - 26.49%, 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 up to $50,000 per calendar year, then 1%. 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Excellent for: heavy spenders
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Excellent for: bonus categories that sync with your spending
Apply Now
on American Express' website
on American Express' website
Annual fee
$375
Intro APR
0% intro APR on purchases for 6 months from the date of account opening
Regular APR
19.49%-28.49% Variable APR
Recommended Credit Score
- 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.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
- 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 now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Excellent for: airport lounge access and travel credits
Apply Now
on American Express' website
on American Express' website
Annual fee
$695
Intro APR
N/A
Regular APR
19.49%-28.49% Variable APR
Recommended Credit Score
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Excellent for: cash back boost (up to 75% more)
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
Recommended Credit Score
- Get a $300 online statement credit after you make at least $3,000 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Apply Now
on Bank of America's website
on Bank of America's website
