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8 Excellent Small Business Credit Cards of 2023
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.
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NerdWallet's Excellent Small Business Credit Cards of 2023
Ink Business Unlimited® Credit Card: Best for Unlimited cash back on purchases for your business
Ink Business Cash® Credit Card: Best for Cash back bonuses and no annual fee
The Blue Business® Plus Credit Card from American Express: Best for 2X points on the first $50K and no annual fee
Ink Business Preferred® Credit Card: Best for Redeeming points through Chase Ultimate Rewards®
The American Express Blue Business Cash™ Card: Best for 0% intro APR and no annual fee
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
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 | |
| 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 Blue Business® Plus Credit Card from American Express Apply Now on American Express' website on American Express' website | Excellent for 2X points on the first $50K 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 Redeeming points through Chase Ultimate Rewards® | $95 | N/A | 21.24%-26.24% 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 | $395 | 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 | $295 ($375 if application is received on or after 2/1/24) | N/A | 19.49%-27.49% Variable APR | Apply Now on American Express' website on American Express' website |
 Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply Now on Bank of America's website on Bank of America's website | Excellent for | $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 $900 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: 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 $900 bonus cash back after you spend $6,000 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
- 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.
- 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: 2X points on the first $50K 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 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: Redeeming points through Chase Ultimate Rewards®
Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Intro APR
N/A
Regular APR
21.24%-26.24% Variable APR
Recommended Credit Score
- Earn 100k bonus points after you spend $8,000 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
- 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.
- 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.
- 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
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$395
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Apply Now
on American Express' website
on American Express' website
Annual fee
$295 ($375 if application is received on or after 2/1/24)
Intro APR
N/A
Regular APR
19.49%-27.49% Variable APR
Recommended Credit Score
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Now choose from Gold or Rose Gold.
- *Terms Apply
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
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 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 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.
- You can 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% cash back in your selected choice category and up to 3.5% cash back 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.
- 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. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 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
