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3.9/5.0 from 12 Offer Ratings
Over the Past 60 Days!
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Rewards Rate
2% Cash Back on every purchase, every day
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Sign-up Bonus
Earn a $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
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Rewards Redemption
Redeem cash back for any amount at any time
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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
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Use Spark Cash across all your business spend, with no categories to limit your purchasing
- $0 intro annual fee for the first year; $95 after that
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
See additional details for Capital One® Spark® Cash for Business
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Intro Purchase APR
0% for 12 Months
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Sign Up Bonus
$500 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 $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
See additional details for Ink Business Cash℠ Credit Card
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Rewards Rate
Unlimited 1.5% cash back
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Sign-up Bonus
One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
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Rewards Redemption
Redeem cash back for any amount at any time
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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
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- No annual fee
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
See additional details for Capital One® Spark® Cash Select for Business
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Intro and Regular APR
0% for 15 Months, then 13.49% - 21.49% 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
$0
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Get rewarded for business as usual. 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.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *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 and balance transfers for 15 months, then a variable rate, 13.49%, 17.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply
- See Rates & Fees
See additional details for The Blue Business℠ Plus Credit Card from American Express
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Intro and Regular APR
0% on Purchases for 15 months, then 14.49% - 21.49% Variable*
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Bonus Rewards
5% and 3% bonus cash back categories of spending*
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Flexible Spending
With Expanded Buying Power you can spend beyond your credit limit*
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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
- Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
- No annual fee
- Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
- Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
- With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
- *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
- Terms apply
- See Rates & Fees
See additional details for SimplyCash® Plus Business Credit Card from American Express
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Rewards Rate
1.5 Miles per $1 on every purchase, every day
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Sign-up Bonus
One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
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Rewards Redemption
Redeem miles with any airlines and any hotel
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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 1.5 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
See additional details for Capital One® Spark® Miles Select for Business
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Welcome Offer
Earn up to 75,000 Membership Rewards® points*
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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
$595
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Welcome Offer: Earn up to 75,000 Membership Rewards® points.
- Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
- Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
- Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
- See Rates & Fees
See additional details for The Business Platinum® Card from American Express
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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
$0 introductory annual fee your first year, then $250.
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Card Brand
American Express
Highlights
- Click "APPLY NOW" to apply online
- Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, if you pay your minimum due.
- Use the power of the Plum Card to buy big for your business.
- Unlock new opportunities with a spending limit that can grow with your business.
- Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- Terms & Restrictions Apply.
- See Rates & Fees
See additional details for The Plum Card® from American Express
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Bonus Rewards
†4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
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Rewards Rate
4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
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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
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
- †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.*
- EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
- PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
- EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager?, receive a Year-End Summary, and more.*
- Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
- *Terms Apply
- See Rates & Fees
See additional details for American Express® Business Gold 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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