Excellent Small Business Credit Cards of 2026

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350+ hours spent by experts reviewing cards

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	5.0 /5	$0	1.5%-5% Cashback	$750	Apply now on Chase's website Rates & Fees
The American Express Blue Business Cash™ Card	Excellent for 0% intro APR and no annual fee	4.5 /5	$0	1%-2% Cashback	$250	Apply now on American Express' website Rates & Fees
Capital One Spark Cash Plus	Excellent for Heavy spenders	4.8 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
The Blue Business® Plus Credit Card from American Express	Excellent for New businesses	4.4 /5	$0	1x-2x Points	15,000 Points	Apply now on American Express' website Rates & Fees
Capital One Spark Cash		4.7 /5	$0 intro for the first year, then $95	2%-5% Cashback	$1,000	Apply now on Capital One's website Rates & Fees
Ink Business Cash® Credit Card	Excellent for Cash back bonuses and no annual fee	4.7 /5	$0	1%-5% Cashback	$750	Apply now on Chase's website Rates & Fees
The Business Platinum Card® from American Express	Excellent for Bonus categories that sync with your spending	5.0 /5	$895	1x-5x Points	200,000 Points	Apply now on American Express' website Rates & Fees
Ramp Card		4.7 /5	$0	1%-1.5% Cashback	$1,000	Apply now on Ramp's website

Credit card Credit card	Best for Best for	NerdWallet rating NerdWallet rating	Annual fee Annual fee	Rewards rate Rewards rate	Intro offer Intro offer	Learn more Learn more
Ink Business Unlimited® Credit Card	2026 BEST CREDIT CARD SMALL BUSINESS	5.0 /5	$0	1.5%-5% Cashback	$750	Apply now on Chase's website Rates & Fees
The American Express Blue Business Cash™ Card	Excellent for 0% intro APR and no annual fee	4.5 /5	$0	1%-2% Cashback	$250	Apply now on American Express' website Rates & Fees
Capital One Spark Cash Plus	Excellent for Heavy spenders	4.8 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
The Blue Business® Plus Credit Card from American Express	Excellent for New businesses	4.4 /5	$0	1x-2x Points	15,000 Points	Apply now on American Express' website Rates & Fees
Capital One Spark Cash		4.7 /5	$0 intro for the first year, then $95	2%-5% Cashback	$1,000	Apply now on Capital One's website Rates & Fees
Ink Business Cash® Credit Card	Excellent for Cash back bonuses and no annual fee	4.7 /5	$0	1%-5% Cashback	$750	Apply now on Chase's website Rates & Fees
The Business Platinum Card® from American Express	Excellent for Bonus categories that sync with your spending	5.0 /5	$895	1x-5x Points	200,000 Points	Apply now on American Express' website Rates & Fees
Ramp Card		4.7 /5	$0	1%-1.5% Cashback	$1,000	Apply now 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

5.0

Read expert review

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

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

The American Express Blue Business Cash™ Card

4.5

Read expert review

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

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

4.8

Read expert review

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

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

The Blue Business® Plus Credit Card from American Express

4.4

Read expert review

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

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

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

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

Chase Ink Business Cash Credit Card Credit Card

4.7

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

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

The Business Platinum Card® from American Express

5.0

Read expert review

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Apply now

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

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

Rates & Fees

Ramp Card

4.7

Read expert review

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$1,000

Apply now

on Ramp's website

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

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

Ink Business Unlimited® Credit Card

Best for Unlimited cash back on purchases for your business

5.0

Read expert review

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

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

The American Express Blue Business Cash™ Card

Best for 0% intro APR and no annual fee

4.5

Read expert review

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

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

Capital One Spark Cash Plus

Best for Heavy spenders

4.8

Read expert review

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

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

The Blue Business® Plus Credit Card from American Express

Best for New businesses

4.4

Read expert review

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

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

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

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

Ramp Card

4.7

Read expert review

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$1,000

Apply now

on Ramp's website

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

Ink Business Cash® Credit Card

Best for Cash back bonuses and no annual fee

4.7

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

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

The Business Platinum Card® from American Express

Best for Bonus categories that sync with your spending

5.0

Read expert review

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Apply now

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

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

Rates & Fees

Last updated on March 19, 2026

8 Excellent Small Business Credit Cards of 2026

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card

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

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

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Capital One Venture X Business

Capital One Venture X Business

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

BILL Divvy Corporate Card

BILL Divvy Corporate Card

Capital One Spark Cash

Capital One Spark Cash

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Capital on Tap Business Credit Card

Capital on Tap Business Credit Card

Ramp Card

Ramp Card

Brex Card

Brex Card

Excellent Small Business Credit Cards

Ink Business Unlimited® Credit Card

Best for Unlimited cash back on purchases for your business

Ink Business Unlimited® Credit Card

Best for Unlimited cash back on purchases for your business

The American Express Blue Business Cash™ Card

Best for 0% intro APR 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

Capital One Spark Cash Plus

Best for Heavy spenders

The Blue Business® Plus Credit Card from American Express

Best for New businesses

The Blue Business® Plus Credit Card from American Express

Best for New businesses

Capital One Spark Cash

Capital One Spark Cash

Ramp Card

Ramp Card

Ink Business Cash® Credit Card

Best for Cash back bonuses and no annual fee

Ink Business Cash® Credit Card

Best for Cash back bonuses and no annual fee

The Business Platinum Card® from American Express

Best for Bonus categories that sync with your spending

The Business Platinum Card® from American Express

Best for Bonus categories that sync with your spending