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The Best Business Credit Cards -Best Business Cards Business Credit Cards

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on Chase's secure site

Ink Business Unlimited® Credit Card

 

Rated 5/5 stars by our editorial team

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  • Sign-Up Bonus

    LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

  • Rewards Rate

    Earn unlimited 1.5% cash back on every purchase made for your business

  • Rates & Fees

    $0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 16.24% - 22.24% Variable .


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

See additional details for Ink Business Unlimited® Credit Card

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on Chase's secure site

New Business Card! Ink Business Premier℠ Credit Card

 

Rated /5 stars by our editorial team

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  • Sign-Up Bonus

    Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

  • Travel Benefits

    Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.

  • Foreign Transaction Fee

    $0


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $195

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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.
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on Capital One's secure site

Capital One Spark Cash Plus

 

Rated 4.0/5 stars by our editorial team

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  • Rewards Rate

    2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel

  • No Limit

    Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile

  • Sign-Up 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


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $150

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

See additional details for Capital One Spark Cash Plus

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on American Express's secure site

Rates & Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

 

Rated 4/5 stars by our editorial team

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on American Express's secure site

Rates & Fees

Terms Apply

  • Intro and Regular APR

    0% on purchases for 12 months from date of account opening, then 16.99% - 24.99% Variable

  • Rewards Rate

    Earn 2X points on everyday business purchases up to the annual cap

  • Flexible Spending

    Enjoy the flexibility to put more purchases on the Card


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    No annual fee

  • 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, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
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on Chase's secure site

Ink Business Cash® Credit Card

 

Rated 5/5 stars by our editorial team

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  • Intro Purchase APR

    0% Intro APR on Purchases for 12 months, then 16.24% - 22.24% Variable

  • Sign-Up Bonus

    LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • Cash Back Rewards

    Earn 5% cash back in select business categories


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

See additional details for Ink Business Cash® Credit Card

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on American Express's secure site

Rates & Fees

Terms Apply

American Express Blue Business Cash™ Card

 

Rated 4.25/5 stars by our editorial team

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on American Express's secure site

Rates & Fees

Terms Apply

  • Intro Purchase APR

    0% on purchases for 12 months from date of account opening

  • Rewards Rate

    Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

  • Regular Purchase APR

    16.99% - 24.99% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    No annual fee

  • 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, 16.99% - 24.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
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on American Express's secure site

Rates & Fees

Terms Apply

The Plum Card® from American Express

 

Rated 4/5 stars by our editorial team

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Over the Past 60 Days!

(0) Over the Past 60 Days!
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on American Express's secure site

Rates & Fees

Terms Apply

  • Early Pay Discount

    Receive 1.5% discount for paying early*

  • Pay Later

    Take up to 60 days to pay with no interest*

  • Extra Perks

    No foreign transaction fees & no fee for extra employee cards*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $250

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
  • 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
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on American Express's secure site

Rates & Fees

Terms Apply

American Express® Business Gold Card

 

Rated 3/5 stars by our editorial team

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on American Express's secure site

Rates & Fees

Terms Apply

  • 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.*

  • Rewards Rate

    Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*

  • Extra Perks

    No foreign transaction fees & many helpful business tools*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $295

  • 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
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on Chase's secure site

World of Hyatt Business Credit Card

 

Rated 3.8/5 stars by our editorial team

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Over the Past 60 Days!

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on Chase's secure site

  • Sign-Up Bonus

    60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

  • Purchase APR

    18.99% - 25.99% Variable

  • Extra Perks

    Automatic Discoverist status in World of Hyatt (typically requires 10 Tier-Qualifying Nights or 25,000 Base Points)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $199

  • 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 12/31/23, 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

Apply Now

on Capital One's secure site

Capital One Spark Miles for Business

 

Rated 4/5 stars by our editorial team

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  • Rewards Rate

    Unlimited 2x miles per dollar

  • 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.

  • Rewards Redemption

    Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 intro for first year; $95 after that

  • 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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on Chase's secure site

Ink Business Preferred® Credit Card

 

Rated 3.5/5 stars by our editorial team

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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.

  • 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.

  • Bonus Perks

    Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $95

  • 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

Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

The Business Platinum Card® from American Express

 

Rated 4/5 stars by our editorial team

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on American Express's secure site

Rates & Fees

Terms Apply

  • 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.

  • Travel Benefits

    Complimentary access to over 1000+ airport lounges*

  • Extra Perks

    Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $695

  • 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
Apply Now

on Revenued's secure site

Revenued Business Card

 

Rated 4.5/5 stars by our editorial team

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on Revenued's secure site

  • Sign-Up Bonus

    Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership and 3% cash back on every card swipe with no category restrictions.

  • Rewards Rate

    Earn 3% cash back on every single card purchase. All categories apply.

  • No Fees

    No application, annual or draw fees


Highlights

  • Click "APPLY NOW" to apply online
  • Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 3% cash back on every single card purchase. All categories apply.
  • The card that cares less about your credit score and more about your business.
  • Includes the Revenued Flex Line.
  • A flexible line and business card bundled in one.
  • No application, annual, or draw fee
  • Terms apply.
  • Spending limit determined by cash flow of your business and other factors.

See additional details for Revenued Business Card

*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.

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