Rated 5/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
4.5/5.0 from 21 Offer Ratings
Over the Past 60 Days!
Sign Up Bonus
Earn $750 bonus cash back
Rewards Rate
Earn unlimited 1.5% cash back on every purchase
Rates & Fees
No annual fee and 0% intro APR for 12 months on purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Ink Business Unlimited® Credit Card
Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 13.49% - 19.49% Variable
Sign Up Bonus
Earn $750 bonus cash back
Cash Back Rewards
Earn 5% cash back in select business categories
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Ink Business Cash® Credit Card
Intro and Regular APR
0% on purchases for 12 months from date of account opening, then 13.99% - 21.99% 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
Annual Fee
No annual fee
Card Brand
American Express
See additional details for The Blue Business® Plus Credit Card from American Express
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
13.99% - 21.99% Variable
Typical Credit Needed
Annual Fee
No annual fee
Card Brand
American Express
See additional details for American Express Blue Business Cash™ Card
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
Annual Fee
$250
Card Brand
American Express
See additional details for The Plum Card® from American Express
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
Annual Fee
$295
Card Brand
American Express
See additional details for American Express® Business Gold Card
Sign Up Bonus
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
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.
Extra Perks
Automatic Discoverist status in World of Hyatt (typically requires 10 Tier-Qualifying Nights or 25,000 Base Points)
Typical Credit Needed
Annual Fee
$199
Card Brand
Visa®
See additional details for World of Hyatt Business Credit Card
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.
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.
Intro APR
0% Intro APR for 15 billing cycles on purchases. After that, an APR of 14.74% - 23.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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
Annual Fee
$0 intro for first year; $95 after that
Card Brand
Mastercard®
See additional details for Capital One Spark Miles for Business
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
Annual Fee
$95
Card Brand
Visa®
See additional details for Ink Business Preferred℠ Credit Card
Annual Fee
$0
Intro APRs
0% intro APR on purchases for 20 billing cycles on purchases and balance transfers
Ongoing APR
12.74% - 21.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for U.S. Bank Business Platinum Card
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
Annual Fee
$695
Card Brand
American Express
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.
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.
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.