The best business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your business goals faster. The best business card for your company? That depends on your spending habits and priorities. Consider those as you choose between business credit cards with features like cash back rewards, travel points and perks and long 0% intro APR periods.
All of our picks for the best business cards are chosen by our editorial team, which independently evaluates and rates dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. Here are our picks for best small-business credit cards, along with how to compare options and find the best credit card for your business.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Featured Partner
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- 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
Here are 18 business credit cards from our partners
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back: Flat-rate rewards, no annual fee | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back: Bonus categories | $0 | 1%-5% Cashback | $900 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | 4.2/5 Best for Cash back: Heavy spenders | $150 | 2%-5% Cashback | $1,000 | Apply now on Capital One's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website | 4.9/5 Best for Intro APR + AmEx points | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Overall travel rewards + big sign-up offer | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
New Business Card! Ink Business Premier℠ Credit Card Apply now on Chase's website | 4.9/5 Best for Cash back: Large purchases | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website | 4.7/5 Best for Travel rewards: Flat-rate rewards | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website |
The Business Platinum Card® from American Express Apply now on American Express' website | 5.0/5 Best for Luxury travel rewards | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.9/5 Best for Travel rewards: No annual fee | $0 | 1.5x-3x Points | 30,000 Points | Apply now on Bank of America's website |
Capital on Tap Card Apply now on Capital on Tap's website | 3.8/5 Best for Fair credit | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
Ramp Card Apply now on Ramp's website | 4.1/5 Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | $250 | Apply now on Ramp's website |
Capital One Spark Cash Select - $500 Cash Bonus Apply now on Capital One's website | 4.6/5 Best for Sign-up bonus (cash back) | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website |
American Express Blue Business Cash™ Card Apply now on American Express' website | 5.0/5 Best for Business credit card for new businesses | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | 4.7/5 Best for 0% intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website | 4.1/5 Best for Hotel business card for free nights, flexible rewards | $125 | 2x-6x Points | 75,000 Points | Apply now on American Express' website Rates & Fees |
The Hilton Honors American Express Business Card Apply now on American Express' website | 5.0/5 Best for Hotel business credit card, sign-up bonus | $95 | 3x-12x Points | 165,000 Points | Apply now on American Express' website Rates & Fees |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline business credit card | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Brex Card Apply now on Brex's website | 3.2/5 Best for Generous rewards with no personal guarantee | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Our pick for
Cash back: Flat-rate rewards, no annual fee
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- BEST OFFER EVER: 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.
- 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
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.Our pick for
Cash back: Bonus categories
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Pros
- You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a$0annual fee.
Cons
- The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesses.
- BEST OFFER EVER: 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
- 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
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
If your business spends a significant amount on office supplies, telecommunications, gas and restaurants, the
Ink Business Cash® Credit Card
is worth a look. Our pick for
Cash back: Heavy spenders
Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- 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
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Big spenders can net a massive welcome bonus:
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.
On top of that, there’s an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
is a charge card that doesn't let you revolve a balance.Our pick for
Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Pros
- You'll get an introductory0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR. For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)
Cons
- The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See theAmerican Express Blue Business Cash™ Card.
- 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, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don't want to pay an annual fee.Our pick for
Overall travel rewards + big sign-up offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Pros
- If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.
Cons
- This card's bonus categories aren't a good fit for all business owners. There's an annual fee of$95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.
- 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.
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories. Our pick for
Cash back: Large purchases
New Business Card! Ink Business Premier℠ Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)New Business Card! Ink Business Premier℠ Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There's a big welcome bonus, too.)Our pick for
Travel rewards: Flat-rate rewards
Capital One Spark Miles for Business
Read Review
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Capital One Spark Miles for Business
Read Review
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Pros
- This card earns unlimited 2 miles per dollar on all purchases. Miles can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece. There's a great sign-up bonus, too.
Cons
- The card has an annual fee of$0 intro for the first year, then $95. After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don't fall into common bonus categories.Our pick for
Luxury travel rewards
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Pros
- No, this card is not cheap, but it comes with an extensive portfolio of benefits that make it well worth the investment for entrepreneurs who are always on the road: 5X points on flights and prepaid hotels on amextravel.com, access to more than 1,400 airport lounges across 140 countries, an up to $200 annual credit for incidental airline fees, plus reimbursement for the application fee for TSA Precheck or Global Entry, and automatic elite status with Marriott and Hilton hotels. That’s not even mentioning the sizable bonus offer for new cardholders. Terms Apply.
Cons
- The$695annual fee is very steep. Keep in mind, though, that the fee is a deductible business expense.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
- View Rates & Fees
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
For business travelers who spend a lot of time on the road, or especially in the air,
The Business Platinum Card® from American Express
can be a bargain even at $695
a year.Our pick for
Travel rewards: No annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid choice for business owners who want a travel card with robust ongoing rewards but no fee.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid choice for business owners who want a travel card with robust ongoing rewards but no fee.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid choice for business owners who want a travel card with robust ongoing rewards but no fee.Pros
- This$0-annual-fee card earns 1.5 points for every dollar spent, and 3 points per dollar on travel purchases booked through Bank of America®. It also comes with a plum sign-up bonus for a no-fee card.
Cons
- Higher reward rates are available on other cards, and if you spend enough, you might come out ahead on those cards even after paying an annual fee.
- Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
- Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
- Earn up to 75% more points 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 an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
- 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.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x Points
Intro offer
30,000 Points
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a solid choice for business owners who want a travel card with robust ongoing rewards but no fee.Our pick for
Fair credit
Capital on Tap Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns 1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR. Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns 1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR. Capital on Tap Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns 1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR. Pros
- Earn unlimited 1.5% cash back on all purchases
- Apply without a hard credit check
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- Applying has no impact on credit score
- APRs range from 9.99% to 34.99%
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Recommended Credit Score
630850average - excellent
670-850 (Average - Excellent)
The
Capital on Tap Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns 1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR. Our pick for
Corporate card (no personal guarantee)
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$250
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$250
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$250
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- $250 when approved, no minimum spend requirement.
- Earn unlimited 1.5% cash back on all purchases.
- No personal guarantee or personal credit check required.
- 30-day charge card running on the Visa network. Payment in full automatically debited from connected business bank account on the same day each month.
- Must spend more than $10,000 per month on corporate cards currently.
- Must have at least $75,000 in a U.S. business bank account to qualify.
- Ramp card is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietors and unregistered businesses are not eligible.
- Direct integrations to streamline accounting, collaboration and expense reporting.
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$250
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
Need a corporate card but don't have millions in annual revenue? Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with poor credit but financials.
Our pick for
Sign-up bonus (cash back)
Capital One Spark Cash Select - $500 Cash Bonus
Read Review
Apply now
on Capital One's website
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.Capital One Spark Cash Select - $500 Cash Bonus
Read Review
Apply now
on Capital One's website
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires good/excellent credit
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 fraud liability if your card is lost or stolen
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Recommended Credit Score
720-850excellent
720-850 (Excellent)
The
Capital One Spark Cash Select - $500 Cash Bonus
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.Our pick for
Business credit card for new businesses
American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Pros
- You get an introductory0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR. For rewards, you earn 2% cash back on the first $50,000 in purchases each year, and 1% after that. Terms apply.
Cons
- The $50,000 cap on 2% cash back makes this card a poor fit for businesses with high expenses. Prefer Amex points to cash back? SeeThe Blue Business® Plus Credit Card from American Express.
- 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, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Come for the intro APR offer; stay for the cash back rewards. The
American Express Blue Business Cash™ Card
is a good fit for entrepreneurs looking for a no-annual-fee, no-fuss cash-back card.Our pick for
0% intro APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards.Our pick for
Hotel business card for free nights, flexible rewards
Marriott Bonvoy Business® American Express® Card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus offer and more, and it's hard to go wrong. Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus offer and more, and it's hard to go wrong. Marriott Bonvoy Business® American Express® Card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus offer and more, and it's hard to go wrong. Pros
- You earn 6 points per dollar at hotels participating in the Marriott Bonvoy program; 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2 points per dollar on all other eligible purchases. Marriott's broad portfolio of hotel brands gives you maximum flexibility in earning and redeeming rewards.
Cons
- The$125annual fee is a bit on the high side. You'll have to use the perks to get proper value out of the card.
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
- View Rates & Fees
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus offer and more, and it's hard to go wrong. Our pick for
Hotel business credit card, sign-up bonus
The Hilton Honors American Express Business Card
Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
165,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.
Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
165,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.
The Hilton Honors American Express Business Card
Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
165,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.
Pros
- High rewards rate
- Automatic elite status
- Luxury perks
Cons
- Has annual fee
- No free anniversary night
- Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
- View Rates & Fees
Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
165,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The Hilton Honors American Express Business Card is a top-notch hotel credit card, earning rich rewards on everyday spending and up to two free weekend nights each year if you hit spending requirements.
Our pick for
Airline business credit card
United℠ Business Card
Read Review
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
United℠ Business Card
Read Review
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
Our pick for
Generous rewards with no personal guarantee
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
The
Brex Card
doesn't require a personal guarantee and you can apply with an EIN only. This corporate charge card also has a decent welcome bonus and earns up to 7x rewards (terms apply).Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
The
Brex Card
doesn't require a personal guarantee and you can apply with an EIN only. This corporate charge card also has a decent welcome bonus and earns up to 7x rewards (terms apply).Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
The
Brex Card
doesn't require a personal guarantee and you can apply with an EIN only. This corporate charge card also has a decent welcome bonus and earns up to 7x rewards (terms apply).Pros
- No annual fee
- New cardholder bonus offer
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)
The
Brex Card
doesn't require a personal guarantee and you can apply with an EIN only. This corporate charge card also has a decent welcome bonus and earns up to 7x rewards (terms apply).FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Overall business credit card
The
American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also $0
annual fee. Learn more and apply.Our pick for: Cash back — bonus categories
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply.Our pick for: Cash back — flat-rate rewards + no annual fee
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Learn more and apply.Our pick for: Cash back — heavy spenders
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. And you can earn an extra welcome bonus, and qualify for an annual bonus, if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Learn more and apply.Our pick for: Overall travel rewards + big sign-up offer
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.Our pick for: Travel rewards — flat-rate rewards
The
Capital One Spark Miles for Business
is basically a business version of the popular Capital One Venture Rewards Credit Card
. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. Learn more and apply.Our pick for: Travel rewards — luxury rewards and perks
Like the consumer version of this card,
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.Our pick for: Travel rewards — no annual fee
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.Our pick for: Intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express
is a near-twin to the American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.Our pick for: 0% intro APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.49%-27.49% Variable APR
— all with a $0
annual fee. Learn more and apply.Our pick for: Airline business credit card
The
United℠ Business Card
is a stand-out option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. A sign-up bonus, plus no annual fee for the first year, sweeten the pot. Learn more and apply.Our pick for: Airline business credit card with lounge access
If your business has you on the road a lot, you'll appreciate the airport lounge access on the
Delta SkyMiles® Reserve Business American Express Card
, which includes both Delta's own Sky Clubs and American Express's Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Terms apply. Learn more and apply.Our pick for: Hotel business credit card
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards, automatic elite status with Hilton and 10 free visits to select airport lounges each year (a rare perk for hotel cards). Rather than automatically granting a free night each year, like most hotel cards with annual fees, you have to spend at least $15,000 per calendar year to earn a free weekend night. Terms apply. Learn more and apply.Our pick for: Hotel business card for free nights, flexible rewards
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply.Our pick for: Corporate card (no personal guarantee)
The
Ramp Card
is easier to obtain than other corporate cards, which often require annual revenue in the millions. Ramp is available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.Our pick for: Fair credit
The
Capital on Tap Card
offers 1.5
% cash back on all purchases, no annual fee and the potential for a low APR. And it's available to business owners with fair credit: Capital on Tap Card
says applicants with a FICO score of 670 or higher have the best chance of approval. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.Our pick for: Cash back: Large purchases
Chase's newest business credit card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
There's also a generous welcome bonus. Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Learn more and apply. Our pick for: Generous rewards with no personal guarantee
The
Brex Card
doesn't require a personal credit check and business owners can apply with an EIN only. There's also no personal guarantee. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. The Brex card also offers a decent welcome bonus, earns ongoing rewards and offers direct intregration with popular accounting and bookkeeping software. Learn more and apply. » Are you in Canada? See NerdWallet's best business cards for Canada.
OTHER RESOURCES
Who can get a small-business credit card?
Everyone from a CEO to a gig worker can apply for a small-business credit card. You don't need to be incorporated or have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply for a small-business credit card to help manage business-related expenses, earn rewards and grow their enterprise.
Why get a business credit card?
A business card is a great tool to separate your business and personal finances and establish your business credit history. When you use the card only for business spending, its interest and fees can be tax-deductible business expenses. And business credit cards offer rewards, perks and bonuses that rival (and in many cases surpass) those on consumer credit cards.
How to get a business credit card
Applying for a business credit card is pretty straightforward. Business credit card applications typically ask for the following:
- Business name. No formal business name? Just use your name.
- Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
- Employer identification number or Social Security number.
- Industry. This can be a broad category like retail, medical or professional services, or something more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
- Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
- Time in business, revenue and expenses.
- Personal guarantee. Virtually all small-business credit card applications require a personal guarantee. This means you’re personally responsible for the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.
Business credit cards, like consumer cards, consider your personal credit history to determine approval, interest rates and credit limits. Applying for a business card may ding your personal credit score, but only a little and only for a short time. If your personal credit history is thin or poor, bad-credit business credit cards are available.
How long does it take to get a business credit card? While some business credit cards advertise near-instant approval, you may need to wait a couple of weeks for your card if your credit isn't excellent.
How to find the best credit card for your business
First, take stock of your business’s spending habits to determine what type of card best suits your needs. Need to finance a big purchase? Consider a business card with a 0% APR period. Spend a lot of time on the road? Look for a card with cash back or a travel rewards business card.
Once you narrow down the type of card, evaluate and compare the following features to find the best business credit card for your company.
Annual fee
Weigh the annual fee against any rewards you could earn from using the card. If you spend $200,000 a year on a card with a 2% rewards rate, for example, that's $4,000 a year in rewards (and far more than even the highest annual fee). Plus, annual fees are also deductible business expenses.
Opposed to paying a fee? Many of our picks for best business credit cards have no annual fee.
Rewards structure
If you opt for a rewards credit card, you'll have two choices to make. The first is whether you want a flat-rate card or a bonus-category card:
- Flat-rate cards pay you the same rewards on every purchase, regardless of what you buy or where. If you want simplicity, or your business's expenses tend to run the gamut, a flat-rate card is your best bet.
- Bonus-category cards pay a higher rewards rate in certain categories and a lower base rate on everything else. A bonus-category card is an excellent choice if you spend a lot of money in just a few areas. Typical bonus categories for business credit cards include things like office supplies, travel, telecommunications, advertising and shipping.
The second choice is whether you want your rewards as cash back or points.
- Cash-back business cards pay you back a certain percentage of every purchase. Flat-rate cards tend to offer 1% to 2% back — spend $1,000 on something, get $10 to $20 back. Bonus-category cards go as high as 5%. Cash back is most commonly redeemed as a credit against your account.
- Points cards give you points or miles for each dollar you spend. These rewards can usually be redeemed for travel, though you may have other options, such as merchandise or cash back.
Introductory APR period
Some business credit cards offer a 0% interest rate for the first year, or longer. This can be of great benefit if you have a major business-related purchase you're looking to finance.
Ongoing APR
Interest charges can easily eat up the value of your rewards, so prioritize a lower ongoing APR if you're going to carry a balance from month to month. If you plan to pay your credit card bill in full each month, then the ongoing APR doesn't have to be a major factor in your decision.
Financing options
Some small-business credit cards offer special financing options, such as a discount if you pay early or the ability to set up installment plans to pay off specific charges. These can be useful if your business is seasonal or subject to irregular cash flow.
Free cards for employees
If you're earning rewards, you'll want to get as much company spending on the card as possible. Many issuers allow you to get additional cards at no extra cost for employees who are authorized to spend money on behalf of the business. You also may be able to set spending limits or other restrictions on employee cards.
Expense management tools
Some cards come with programs that allow you to match photos of receipts to your card purchases in-app. Many also offer itemized end-of-year statements that help at tax time.
Perks
If your business has you traveling a lot, look for a card that can make your trip more comfortable. Co-branded airline and hotel cards offer special status and upgrades. Some cards give you access to airport lounges. Others provide travel insurance or rental car coverage for peace of mind.
How to get the most out of your business credit card
Pay with your credit card whenever possible
For entrepreneurs who pay in full every month and don't overspend, using a rewards credit card for everything makes those points, miles or cash back add up fast. Avoid paying with a credit card when a convenience charge is added, if possible.
Lock down that sign-up bonus
To get your card's sign-up bonus, you typically need to make a few thousand dollars' worth of purchases in the first few months after opening the account. Check your card's terms and track your spending to make sure you don’t miss out.
Know when your introductory 0% APR ends
Read your credit card statements and make a note of when your promotional offer expires to avoid unpleasant surprises.
Deduct interest and fees on your taxes
If you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.
For more, see our guide to choosing a business credit card.
Other business cards to consider
To view rates and fees of the
American Express Blue Business Cash™ Card
, see this page. To view rates and fees of The Blue Business® Plus Credit Card from American Express
, see this page.To view rates and fees of
The Business Platinum Card® from American Express
, see this page.Last updated on February 22, 2023
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
Frequently Asked Questions
The fundamental difference between a small-business credit card and a corporate credit card lies in who is responsible for debts on the card:
• With a small-business card, the business owner is personally responsible for the debt. That means he or she is liable for paying the debt even if the business goes under.
• With a corporate card, the business itself is the debtor. If the company goes out of business, the owners are not personally responsible for paying the debt.
This difference is reflected in the application process for business credit cards. When you apply for a small-business credit card, the issuer will check your personal credit history as well as your business’s credit (if your business even has a credit file of its own, which many don’t). You’ll also be expected to provide a personal guarantee that you’ll repay any debt. For a corporate card, the issuer examines only the business’s credit standing. The owners and operators don’t have to provide a personal guarantee.
Because of this, corporate cards are an option primarily for companies that have already established a credit history separate from the owners.
Business credit cards typically have higher credit limits and bigger sign-up bonuses than personal credit cards. Rewards structures on small-business cards are different, too, particularly the categories that earn bonus rewards. A business credit card is more likely to earn bonus rewards on shipping or at office-supply stores, for example, than at supermarkets or movie theaters. There are also some differences in consumer protections and credit reporting for business cards vs. personal cards.
In general, you must operate a business to qualify a small-business credit card, but that business does not have to be incorporated or even have a formal structure, such as a partnership or LLC. If you’re a sole proprietor, freelancer or “gig” worker, you can apply for a small-business card, too. Be aware, though, that the application will likely ask specific questions about your business — the name (if it has one), what kind of business it is, how much revenue it brings in, and so on.
Small-business owners can use their employer identification number (EIN) to apply for a business credit card but you’ll likely need to provide your Social Security number, as well. Why? Most small business cards require a personal guarantee, and therefore base approval off of your personal credit score. Corporate cards are among the few business cards you can get with only an EIN.
The American Express Blue Business Cash Card is NerdWallet’s pick for best business credit card of 2023. This card delivers high-value rewards and a lengthy intro APR period, giving businesses added flexibility and purchasing power, and it has no annual fee. That combination of simplicity and value makes the Blue Business Cash one of the best credit cards for new businesses and established companies.
The Blue Business Cash isn't a one-size-fits-all business card, though. Your company's spending habits and priorities should guide your choice for a new business credit card. That might mean a card with a big signup bonus or higher rewards in bonus categories. The best business card for frequent business travelers, for example, may have a higher annual fee but offer lounge access, purchase credits and other perks, major assets if you spend a lot of time in airports.