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Some of our partners
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
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.
Excellent Small Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card |  2026 BEST CREDIT CARD SMALL BUSINESS | $0 | 1.5%-5% Cashback | $750 | on Chase's website Rates & Fees | |
 The American Express Blue Business Cash™ Card | Excellent for 0% intro APR and no annual fee | $0 | 1%-2% Cashback | $250 | on American Express' website Rates & Fees | |
 Capital One Spark Cash Plus | Excellent for Heavy spenders | $150 | 2%-5% Cashback | $2,000 | on Capital One's website Rates & Fees | |
 The Blue Business® Plus Credit Card from American Express | Excellent for New businesses | $0 | 1x-2x Points | 15,000 Points | on American Express' website Rates & Fees | |
 Capital One Spark Cash | $0 intro for the first year, then $95 | 2%-5% Cashback | $1,000 | on Capital One's website Rates & Fees | ||
 Ink Business Cash® Credit Card | Excellent for Cash back bonuses and no annual fee | $0 | 1%-5% Cashback | $750 | on Chase's website Rates & Fees | |
 The Business Platinum Card® from American Express | Excellent for Bonus categories that sync with your spending | $895 | 1x-5x Points | 200,000 Points | on American Express' website Rates & Fees | |
 Ramp Card | $0 | 1%-1.5% Cashback | $500 | on Ramp's website |
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Excellent for Unlimited cash back on purchases for your business
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
The American Express Blue Business Cash™ Card
Best for Excellent for 0% intro APR and no annual fee
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Spark Cash Plus
Best for Excellent for Heavy spenders
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
The Blue Business® Plus Credit Card from American Express
Best for Excellent for New businesses
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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
Ink Business Cash® Credit Card
Best for Excellent for Cash back bonuses and no annual fee
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
The Business Platinum Card® from American Express
Best for Excellent for Bonus categories that sync with your spending
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
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
Sort by:
- Default
- NerdWallet rating (High to Low)
- Annual fee (Low to High)
- Rewards rate (High to Low)
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Unlimited cash back on purchases for your business
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
The American Express Blue Business Cash™ Card
Best for 0% intro APR and no annual fee
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Spark Cash Plus
Best for Heavy spenders
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
The Blue Business® Plus Credit Card from American Express
Best for New businesses
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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
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
Ink Business Cash® Credit Card
Best for Cash back bonuses and no annual fee
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
The Business Platinum Card® from American Express
Best for Bonus categories that sync with your spending
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate