7 Excellent Small Business Credit Cards of 2023

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

Earn $750 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

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 us, and other factors.

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening.

No Annual Fee

Terms Apply

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

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

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

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

Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some

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

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 us and other factors.

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.

No Annual Fee

Terms Apply

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 (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 16.74% to 26.74% 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.