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4.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!
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Sign Up Bonus
Earn $750 bonus cash back
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Rewards Rate
Earn unlimited 1.5% cash back on every purchase
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Rates & Fees
No annual fee and 0% intro APR for 12 months on purchases, then an APR of 14.74% - 20.74% Variable .
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $750 bonus cash back after you spend $7,500 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
See additional details for Ink Business Unlimited® Credit Card
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Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 14.74% - 20.74% Variable
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Sign Up Bonus
Earn $750 bonus cash back
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Cash Back Rewards
Earn 5% cash back in select business categories
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn $750 bonus cash back after you spend $7,500 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
See additional details for Ink Business Cash® Credit Card
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Intro and Regular APR
0% on purchases for 12 months from date of account opening, then 15.49% - 23.49% Variable
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Rewards Rate
Earn 2X points on everyday business purchases up to the annual cap
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Flexible Spending
Enjoy the flexibility to put more purchases on the Card
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Typical Credit Needed
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Annual Fee
No annual fee
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- 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, 15.49% - 23.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
See additional details for The Blue Business® Plus Credit Card from American Express
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Intro Purchase APR
0% on purchases for 12 months from date of account opening
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Rewards Rate
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
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Regular Purchase APR
15.49% - 23.49% Variable
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Typical Credit Needed
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Annual Fee
No annual fee
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- 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, 15.49% - 23.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
See additional details for American Express Blue Business Cash™ Card
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Rewards
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 Travel Rewards Center. No limit on total cash back earned.
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Sign-Up Bonus
Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
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Intro APR
0% Intro APR for 15 billing cycles on purchases. After that, an APR of 16.24% - 25.24% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Limited Time Offer: 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 Travel 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 16.24% - 25.24%.
- 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
- See Rates & Fees
See additional details for U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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Sign Up Bonus
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
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Rewards Rate
9x points total for Hyatt stays and experiences. 4 Bonus Points per $1 spent with your card at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/22, then your top two categories each quarter. See terms for details.
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Extra Perks
Automatic Discoverist status in World of Hyatt (typically requires 10 Tier-Qualifying Nights or 25,000 Base Points)
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Typical Credit Needed
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Annual Fee
$199
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/22, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
See additional details for World of Hyatt Business Credit Card
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Early Pay Discount
Receive 1.5% discount for paying early*
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Pay Later
Take up to 60 days to pay with no interest*
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Extra Perks
No foreign transaction fees & no fee for extra employee cards*
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Typical Credit Needed
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Annual Fee
$250
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.
- Terms & Restrictions Apply.
- See Rates & Fees
See additional details for The Plum Card® from American Express
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Welcome Offer
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
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Rewards Rate
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*
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Extra Perks
No foreign transaction fees & many helpful business tools*
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Typical Credit Needed
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Annual Fee
$295
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
- See Rates & Fees
See additional details for American Express® Business Gold Card
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Sign Up Bonus
Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening.
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Rewards Rate
Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. Earn 1X points per dollar spent on all other eligible net purchases.
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Extra Perks
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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Typical Credit Needed
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Annual Fee
$0 intro for 12 months, $95 after
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- U.S. Bank Business Leverage® Visa Signature® Card
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay ™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- See Rates & Fees
See additional details for U.S. Bank Business Leverage® Visa Signature® Card
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Rewards Rate
Unlimited 2x miles per dollar
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Sign-Up Bonus
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.
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Rewards Redemption
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
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Typical Credit Needed
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Annual Fee
$0 intro for first year; $95 after that
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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
- 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
See additional details for Capital One Spark Miles for Business
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Sign Up Bonus
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
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Rewards Rate
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
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Bonus Perks
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
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Typical Credit Needed
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Annual Fee
$95
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Ink Business Preferred® Credit Card
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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.
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Travel Benefits
Complimentary access to over 1000+ airport lounges*
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Extra Perks
Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*
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Typical Credit Needed
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Annual Fee
$695
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- 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.
- See Rates & Fees
See additional details for The Business Platinum Card® from American Express
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Compare the Best Business Credit Cards
Business credit cards are tailored toward those who own small businesses, operate or manage a small or large business, and those who use credit cards to make business purchases. You can essentially charge any kind of business expense: buying inventory, paying for travel, gas, entertaining of clients, or office supplies.
The best business credit cards will be those with the most perks and benefits that you’ll actually take advantage of on a regular basis, so study those carefully to make sure that they are a good match for your spending habits and routine card usage. When reviewing offers, always weigh the perks and features against the interest rate and any annual fee or other charges that the card carries. Sometimes owning a card for your business can be useless from a benefit standpoint if they aren’t used on a routine basis.
Business credit cards also offer many features and tools to help you run your business, manage your budget, track your expenses, stay on top of your taxes and tax deductible expenses, and save time and extra labor when dealing with card related finances. Make sure to inquire about these business credit card tools and online account features that are often provided for free by some of the best card issuers.
Comparing Popular Business Credit Card Brands for Small Businesses Like Yours
Visa, MasterCard, Amex (American Express), Discover, and many other credit card companies offer credit cards for small businesses. The key to selecting one is to think about where you do most of your shopping. Visa small business credit cards are fairly universal, but they are not accepted at Sam's Club. If you have to go there to do a lot of your supply shopping, you may prefer a MasterCard small business credit card. Assess the interest rates and rewards that each credit card company has to offer before settling on the right one for you.