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6 Excellent Small Business Credit Cards of 2021

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.

NerdWallet's Excellent Small Business Credit Cards of 2021

Excellent for

0% intro APR and no annual fee

American Express® Blue Business Cash Card
Apply now

on American Express's website

American Express Blue Business Cash™ Card

4.7

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Regular APR

13.24% - 19.24% 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.

  • 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 American Express and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Apply Now

on American Express's website

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • 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 American Express and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Apply Now

on American Express's website

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Cash rewards

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

Read full review

Excellent for

2X points on the first $50K and no annual fee

American Express The Blue for Business® Credit Card
Apply now

on American Express's website

The Blue Business® Plus Credit Card from American Express

4.8

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Regular APR

13.24% - 19.24% 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.

  • 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 American Express, and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Apply Now

on American Express's website

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Transfer partners

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

Read full review

Excellent for

Unlimited cash back on purchases for your business

Ink Business Unlimited℠ Credit Card
Apply now

on Chase's website

Ink Business Unlimited® Credit Card

4.6

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

13.24% - 19.24% Variable APR

Recommended Credit Score
  • Earn $750 bonus cash back after you spend $7,500 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.

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

Apply Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • No reward caps

  • New cardholder bonus offer

Cons

  • No bonus categories

Read full review
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Apply now

on Bank of America's website

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

4.0

NerdWallet rating 
Apply now

on Bank of America's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 9 billing cycles

Regular APR

12.24% - 22.24% Variable APR

Recommended Credit Score
  • Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire

  • Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases

  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter

  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.

  • Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you

  • Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.

  • Contactless Cards - The security of a chip card, with the convenience of a tap

Apply Now

on Bank of America's website

Pros

  • No annual fee

  • High rewards rate

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

Cons

  • Requires excellent credit

  • Complicated rewards

  • Foreign transaction fee

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Read full review

Excellent for

Redeeming points through Chase Ultimate Rewards®

Chase Ink Business Preferred Credit Card
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Intro APR

N/A

Regular APR

15.99% - 20.99% Variable APR

Recommended Credit Score
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

  • 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

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

  • $95 Annual Fee

Apply Now

on Chase's website

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Transfer partners

Cons

  • Has annual fee

  • No intro APR offer

Read full review

Excellent for

Cash back bonuses and no annual fee

Chase Ink Business Cash Credit Card Credit Card
Apply now

on Chase's website

Ink Business Cash® Credit Card

4.4

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

13.24% - 19.24% Variable APR

Recommended Credit Score
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

Apply Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • Low rate outside bonus categories

  • Spending caps on bonus rewards

Read full review