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You’d be surprised at what qualifies you for a business credit card. Businesses aren’t always multi-million dollar corporations — whether you deliver for DoorDash, drive for Lyft, resell on eBay, do freelance work, or have another side hustle, you’re eligible to apply for a small business credit card. If you can’t qualify for a business credit card, check out our picks for the best credit cards in general.
Featured Small Business Card
Ink Business Cash® Credit Card
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
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.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% – 24.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months
Pros & Cons
Pros
Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Intro APR offer for purchases
No annual fee
You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons
Annual cap on bonus categories
Highlights
More Information
Earn $750 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
Round-the-clock monitoring for unusual credit card purchases
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
Member FDIC
Additional Reading
Read our review
These are some of the very best business credit cards available right now, as chosen by Insider’s experts.
Compare the Best Business Credit Cards
Best intro bonus offer
Ink Business Preferred® Credit Card
4.5/5
Annual Fee
$95
Intro offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
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.
100,000 points after spending $8,000 on purchases in the first three months from account opening
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.
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.
Annual Fee
$95
Intro offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% – 25.99% Variable
Editor’s Rating
4.5/5
4.5 out of
5 Stars
Pros & Cons
Pros
High sign-up bonus
Offers 3x bonus points on several spending categories, including travel and advertising purchases
Includes comprehensive travel coverage
Cons
Welcome bonus has a very high minimum spending requirement
Highlights
More Information
Earn 100k bonus points after you spend $8,000 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
Round-the-clock monitoring for unusual credit card purchases
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.
Member FDIC
Additional Reading
Read our review
Best for premium travel perks
The Business Platinum Card® from American Express
4.5/5
Annual Fee
$695
Intro offer
120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership
Rewards
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.
120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership
Rewards
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.
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.
Annual Fee
$695
Intro offer
120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% – 27.24% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.5/5
4.5 out of
5 Stars
Pros & Cons
Pros
More travel benefits than you’ll find on any other business credit card
Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
Complimentary hotel elite status (enrollment required)
Access to Amex concierge services
Cons
Very high annual fee
Limited opportunities to earn bonus points
Annual statement credits won’t be useful for everyone
Highlights
More Information
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® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
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
Additional Reading
Read our review
Best for earning travel points with no annual fee
The Blue Business® Plus Credit Card from American Express
4/5
Annual Fee
$0
Intro offer
N/A
Rewards
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
The Blue Business® Plus Credit Card from American Express
4/5
Annual Fee
$0
Intro offer
N/A
Rewards
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% – 26.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months from account opening
Editor’s Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
The rare no-annual-fee card to earn Amex Membership Rewards points
Solid earning rate on the first $50,000 in purchases each year
Cons
For spending above $50,000 each year, you will only earn 1 point per dollar
Highlights
More Information
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% – 26.24%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
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.
No Annual Fee
Terms Apply
Additional Reading
Read our review
Best flat-rate cash back with no annual fee
The American Express Blue Business Cash™ Card
3.2/5
Annual Fee
$0
Intro offer
N/A
Rewards
Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.
Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% – 26.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for 12 months from account opening
Editor’s Rating
3.2/5
3.2 out of
5 Stars
Pros & Cons
Pros
Good choice for earning 2% cash back on all your eligible purchases up to $50,000 a year
Intro APR offer
No annual fee
Cons
If your business spends more than $50,000 a year, you’ll want to use a different card to earn bonus cash back once you meet that threshold
Highlights
More Information
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% – 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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.
No Annual Fee
Terms Apply
Additional Reading
Read our review
Best cash-back business card with no preset spending limit
Capital One Spark Cash Plus
3.9/5
Annual Fee
$150
Intro offer
$1,200 cash bonus after spending $30,000 in the first three months from account opening
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.
Learn more
Best cash-back business card with no preset spending limit
Capital One Spark Cash Plus
3.9/5
Annual Fee
$150
Intro offer
$1,200 cash bonus after spending $30,000 in the first three months from account opening
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.
Best cash-back business card with no preset spending limit
Details
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.
Annual Fee
$150
Intro offer
$1,200 cash bonus after spending $30,000 in the first three months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
N/A
Editor’s Rating
3.9/5
3.9 out of
5 Stars
Pros & Cons
Pros
Potential to earn $1,200 in cash back from the welcome bonus
No preset spending limit
Strong 2% cash back rate on all purchases and no limits to the rewards you can earn
Cons
Annual $150 annual fee refund has a very high spending requirement
Relatively high annual fee
Because it’s a charge card, you must pay off your balance in full each month
Highlights
More Information
The information related to the Capital One Spark Cash Plus has been collected by Business Insider and has not been reviewed by the issuer.
Earn $1,200 cash bonus after spending $30,000 in the first three months from 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.
Get the $150 annual fee refunded every year if you spend at least $150,000 annually.
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.
Additional Reading
Read our review
Best for earning 2x miles on everything
Capital One Spark Miles for Business
4.4/5
Annual Fee
$95, waived the first year
Intro offer
50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
Rewards
The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.
Learn more
Best for earning 2x miles on everything
Capital One Spark Miles for Business
4.4/5
Annual Fee
$95, waived the first year
Intro offer
50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
Rewards
The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.
The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
Show more
Annual Fee
$95, waived the first year
Intro offer
50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
25.99% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Pros & Cons
Pros
No bonus categories to keep track of
Annual fee is waived the first year
You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
Cons
Not many extra benefits
Highlights
More Information
The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
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
Additional Reading
Read our review
Best for Flat Rate Miles With No Annual Fee
Capital One Spark Miles Select for Business
4.1/5
Annual Fee
$0
Intro offer
50,000 miles after spending $4,500 on purchases within the first three months from account opening
Rewards
The information related to the Capital One Spark Miles Select for Business has been collected by Business Insider and has not been reviewed by the issuer.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.
Learn more
Best for Flat Rate Miles With No Annual Fee
Capital One Spark Miles Select for Business
4.1/5
Annual Fee
$0
Intro offer
50,000 miles after spending $4,500 on purchases within the first three months from account opening
Rewards
The information related to the Capital One Spark Miles Select for Business has been collected by Business Insider and has not been reviewed by the issuer.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.
The information related to the Capital One Spark Miles Select for Business has been collected by Business Insider and has not been reviewed by the issuer.
Show more
Annual Fee
$0
Intro offer
50,000 miles after spending $4,500 on purchases within the first three months from account opening
Recommended Credit
N/A
Regular Annual Percentage Rate (APR)
17.99% – 23.99% variable APR
Editor’s Rating
4.1/5
4.1 out of
5 Stars
Pros & Cons
Pros
Generous welcome bonus offer
Earn flexible rewards you can transfer to airline and hotel partners
No annual fee or foreign transaction fees
Cons
Few travel benefits typical of other travel cards
No intro APR offer
Some small-business credit cards offer higher earning rates with no annual fee
Highlights
More Information
–
Additional Reading
Read our review
Best if you want to maximize Chase points and cash back
Ink Business Unlimited® Credit Card
4.25/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Best if you want to maximize Chase points and cash back
Details
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% – 24.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months
Editor’s Rating
4.25/5
4.25 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
Intro APR offer
No annual fee
Cons
You can earn more cash back on some purchases with a card that has bonus categories
Highlights
More Information
Earn $750 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.
Round-the-clock monitoring for unusual credit card purchases
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
Member FDIC
Additional Reading
Read our review
Best for big spenders
American Express® Business Gold Card
4/5
Annual Fee
$295
Intro offer
70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership
Rewards
Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.
70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership
Rewards
Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.
Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.
Annual Fee
$295
Intro offer
70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% – 27.24% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
You can bonus points on the categories where you make the most purchases (from a list of options)
25% points rebate when you use rewards to book an eligible flight through Amex Travel
Cons
High annual fee
Highlights
More Information
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.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
Additional Reading
Read our review
Best for office supplies and wireless
Ink Business Cash® Credit Card
4.55/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Rewards
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.
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.
Annual Fee
$0
Intro offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% – 24.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months
Editor’s Rating
4.55/5
4.55 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Intro APR offer for purchases
No annual fee
You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
Cons
Annual cap on bonus categories
Highlights
More Information
Earn $750 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
Round-the-clock monitoring for unusual credit card purchases
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
Member FDIC
Additional Reading
Read our review
Best rewards card with a generous intro 0% APR offer
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
4/5
Annual Fee
$0
Intro offer
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
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 Rewards Center.
Learn More
Best rewards card with a generous intro 0% APR offer
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
4/5
Annual Fee
$0
Intro offer
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
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 Rewards Center.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Learn More
Best rewards card with a generous intro 0% APR offer
Insider’s Take
If you’re a small-business owner looking for a no-annual-fee card that earns bonus cash back in popular categories, this card is worth considering. It’s got a very generous welcome bonus and 0% intro APR offer, and comes with helpful World Elite Mastercard benefits. However, if your business doesn’t spend much in the card’s bonus categories, a flat-rate cash back business card might make more sense.
Details
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 Rewards Center.
Annual Fee
$0
Intro offer
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
Recommended Credit
Excellent/Good
Regular Annual Percentage Rate (APR)
18.24% – 27.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 billing cycles
Editor’s Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
Strong welcome bonus and bonus categories for a no-annual-fee card
Introductory 0% APR on both purchases and balance transfers for 15 billing cycles
World Elite Mastercard benefits including cell phone protection
Cons
Foreign transaction fees
Relatively high minimum spending requirement to unlock bonus
Authorized user purchases don’t count toward minimum spending requirement
Highlights
More Information
–
Additional Reading
Read our review
Best for an extra-long 0% intro APR
U.S. Bank Business Platinum Card
3.33/5
Annual Fee
$0
Intro offer
0% intro APR on purchases and balance transfers for 18 billing cycles
0% intro APR on purchases and balance transfers for 18 billing cycles
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
16.24% – 25.24% (Variable)
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 18 billing cycles
Editor’s Rating
3.33/5
3.33 out of
5 Stars
Pros & Cons
Pros
Extra-long 0% introductory APR on purchases and balance transfers
No annual fee
Cons
No rewards or welcome bonus
Few benefits compared to other small-business cards
Foreign transaction fees
Highlights
More Information
–
Best for customizing rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
4.05/5
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Apply now
Best for customizing rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
4.05/5
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now
On Bank of America’s website
Best for customizing rewards
Details
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
16.74% – 26.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first nine billing cycles
Editor’s Rating
4.05/5
4.05 out of
5 Stars
Pros & Cons
Pros
Good welcome bonus for a no-annual-fee business card
Cardholders can choose their own 3% cash-back category from a list
Bank of America Preferred Rewards for Business customers can earn up to 75% more rewards
Cons
3% and 2% cash back categories are capped at $50,000 in combined purchases per year (then 1%)
Card only earns 1% back in non-bonus categories
Foreign transaction fees
Highlights
More Information
Click “APPLY NOW” to apply online
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back 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 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
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.
Additional Reading
Read our review
Best for fair credit
Capital One®️ Spark®️ Classic for Business
3.1/5
Annual Fee
$0
Intro offer
N/A
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1% cash back on every purchase with no minimums or expiration date.
Learn more
Best for fair credit
Capital One®️ Spark®️ Classic for Business
3.1/5
Annual Fee
$0
Intro offer
N/A
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1% cash back on every purchase with no minimums or expiration date.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1% cash back on every purchase with no minimums or expiration date.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Fair
Regular Annual Percentage Rate (APR)
26.99%
Intro Annual Percentage Rate (APR)
26.99%
Editor’s Rating
3.1/5
3.1 out of
5 Stars
Pros & Cons
Pros
No annual fee
Travel and purchase protection
Cons
Some other business cards offer better rewards
No welcome bonus
Highlights
More Information
Unlimited 1% cash back on every purchase for your business
Free employee cards
Pick your own monthly due date. Your business has the control to pay when you want
Get an itemized report of your spending to simplify budgeting and tax time
A great airline business card for American Airlines flyers
Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.
Annual Fee
$99, waived for first 12 months
Intro offer
65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
Rewards
Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.
Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.
Annual Fee
$99, waived for first 12 months
Intro offer
65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
Rewards
Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.
A great airline business card for American Airlines flyers
Details
Rewards
Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.
Annual Fee
$99, waived for first 12 months
Intro offer
65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
20.99% – 29.99% Variable
Editor’s Rating
4/5
4 out of
5 Stars
Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.
Show more
Pros & Cons
Pros
Lots of bonus categories for earning miles on business-related purchases
Annual fee is waived the first year
Offers a free checked bag on American Airlines flights
Cons
Smaller businesses may have trouble meeting the $30,000 spending threshold to earn the companion certificate
Highlights
More Information
Designed for businesses
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
Earn 1 AAdvantage® mile per $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
No Foreign Transaction Fees
Additional Reading
Read our review
Elevated welcome bonus and great perks for Hilton loyalists
The Hilton Honors American Express Business Card
4.5/5
Annual Fee
$95
Intro offer
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
Elevated welcome bonus and great perks for Hilton loyalists
The Hilton Honors American Express Business Card
4.5/5
Annual Fee
$95
Intro offer
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
Elevated welcome bonus and great perks for Hilton loyalists
Insider’s Take
If you’re a small-business owner and like staying with Hilton, this card is an excellent value. For a modest annual fee, cardholders receive automatic Hilton Gold status and 10 airport lounge visits annually, as well as great bonus categories for business purchases. Plus, big spenders can take advantage of the ability to earn up to two weekend night certificates for meeting spending thresholds each year.
Details
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
Annual Fee
$95
Intro offer
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 29.74% Variable
Editor’s Rating
4.5/5
4.5 out of
5 Stars
Pros & Cons
Pros
Comes with complimentary Hilton Gold elite status
Strong welcome bonus
Earns bonus points on a wide variety of purchases
Cons
You have to spend at least $15,000 on eligible purchases in a calendar year to earn a reward night
Highlights
More Information
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
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 Honor(TM) 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.
Additional Reading
Read our review
Our Expert Panel for This Guide
We consulted top credit card experts from NerdWallet and The Points Guy, a certified financial planner, and our own credit cards editor to inform our picks for the best business credit cards. We also interviewed them about how to find the best business credit card for you — you’ll find the whole text of our interviews at the bottom of this page.
Business Insider
How Our Experts Chose the Best Small Business Credit Cards
Personal Finance Insider evaluated dozens of business credit cards that are currently open to new applicants, including several no-annual-fee business cards. We narrowed the list down based on the following criteria:
Sign-up bonus — Does the card offer a valuable welcome bonus offer to new cardholders who meet a minimum spending requirement?
Ongoing rewards — Beyond the welcome bonus offer, does the card offer a competitive rate of points or cash back on purchases?
Other features — Does the card come with any additional benefits, such as travel protection, free employee cards, cell phone insurance, or primary car rental insurance?
Annual fee — If the card has an annual fee, does it offer enough benefits to justify it?
For anyone running a business with dozens of employees, keeping your personal and business finances separate is vital. Things can get murky quickly when you’re cutting personal and business checks from the same account — a business credit card will not only help separate expenses, but also help you establish business credit, so that you have flexibility later on with loans and leases. Plus, you can get additional authorized cards for employees as needed.
Before you decide on the right card for your venture, you should have an idea of how your want to redeem your rewards:
Do you want to earn miles and points for free luxury vacations?
Do you want to decrease the cost of your business travel?
Do you want to earn cash back to reinvest in your business?
It’s also important to consider your spending habits and choose a card that earns the most rewards for your usual business expenses.
The Experts’ Advice on Choosing the Best Business Credit Card for You
We interviewed three credit card experts and one financial planner about what to look for if you’re considering opening a business credit card. You can find the full text of our interviews below (some answers may be lightly edited for clarity).
What features make a business credit card good?
Sara Rathner, credit card expert at NerdWallet:
The rewards need to be in line with your business’ typical spending. An ultra-high bonus isn’t worth overspending for. And what good is extra cash back if it’s for types of purchases you’ll never make?
Luis Rosa, certified financial planner:
The ability to easily provide corporate cards to employees with their own spending limits, plus strong welcome bonuses and cash-back or rewards programs.
Sarah Silbert, senior reviews editor at Personal Finance Insider:
A good business credit card will reward your company for the purchases it makes most frequently. It will also offer benefits to make your life easier, such as free employee credit cards and travel perks.
Benét Wilson, senior editor at The Points Guy:
If you spend a lot on specific categories (like travel, office supplies, dining, and internet/wireless), then you want a card that offers top points per dollar spent on them. You want free employee cards and tools that help you balance the books. Plus you need broad options to redeem your points (travel, statement credits, gift cards).
How should someone approach finding the best business credit card for their specific situation?
Sara Rathner, NerdWallet:
Before applying, know how much you spend, and on what. From there, you can find the cards that reward you the most for what your business already does.
Luis Rosa, CFP:
Benefits will vary from solopreneurs to bigger businesses so make the decision based on spending patterns or anticipated future purchases.
Sarah Silbert, Personal Finance Insider:
If there are any specific benefits you want from a business credit card, start there. For example, not every business card comes with airport lounge access. If you don’t have any particular perks in mind, consider whether you want to earn cash back or travel rewards — that decision alone will narrow down your options. From there, take a look at the credit card options and evaluate their benefits. If you’re looking at a card with an annual fee, make sure it’s worth it for you. You won’t want to pay hundreds of dollars per year for a card if you never put its luxury travel perks to use.
Benét Wilson, The Points Guy:
Look for a business credit card that can help you maximize your purchases, separate your expenses and save money on interest each year. Do you prefer earning cash-back rewards, airline miles, hotel points, or transferable currencies? Are you willing to pay an annual fee? What categories does your business spend the most in each year? Do you or your employees travel frequently and if so, would there be a benefit in having hotel elite status or a checked bag allowance when flying?
Is there anything else you’d tell someone looking to open a business credit card?
Sara Rathner, NerdWallet:
Remember that you’re personally liable to cover any unpaid credit card bills if your business fails. Spend carefully.
Luis Rosa, CFP:
Keep in mind that if you assign employees cards you and the business are still ultimately responsible for the charges on those cards.
Business Credit Cards Frequently Asked Questions (FAQ)
What’s the difference between a personal credit card and a business credit card?
While personal credit cards are intended for any type of purchase, business credit cards are targeted toward business owners. That doesn’t mean you need a large established company to apply for a business credit card; even if you’re a freelancer you can get approved for a business card provided you meet the bank’s application requirements.
Business credit cards usually offer different rewards and benefits than personal credit cards. For example, a business card may earn bonus rewards on purchases at office supply stores, and it may offer free cards for employees. Plus, business cards can have higher credit limits than personal credit cards, and in most cases, the activity on a business card won’t affect your personal credit report (although if you default on the business card, the card issuer can still come after you personally).
How do I qualify for a business credit card?
It’s easier to qualify for a business credit card than you may think. If you do any freelancing or a side gig, such as driving for Uber or selling items on eBay, you can typically qualify for a business credit card as a sole proprietor. In this case, you are personally on the hook for your business’ debts.
Business owners who aren’t sole proprietors can qualify for business cards too. If you have a larger business with employees, you may be asked to include your Employer Identification Number (EIN) on your credit card application.
What do I put on a business credit card application?
You can apply for a business card using your Social Security number if you’re a sole proprietor. You should put down your legal name as the business name. If you have a business with employees, you’ll need to answer questions about your business size, type, and revenue, in addition to providing your SSN and your EIN (if requested).
What’s the difference between a business credit card and a corporate credit card?
With a business credit card, the primary cardholder is responsible for the debts on the card and for any fees that are incurred. A corporate card is issued by a company to its employees, and the company is responsible for paying that card.
With a corporate card, you generally won’t earn rewards (and you also usually won’t be on the hook for whatever you charge to it), while with a business card in your name, you get to keep whatever rewards you earn through your spending.
Compare the Best Small Business Credit Cards
Ink Business Preferred® Credit Card
Capital One Spark Cash Plus
Capital One Spark Miles for Business
Ink Business Unlimited® Credit Card
Ink Business Cash® Credit Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Capital One Spark Miles Select for Business
Annual Fee
$95
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.
Intro Offer
100,000 points after spending $8,000 on purchases in the first three months from account opening
Annual Fee
$150
Rewards
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase with no minimums or expiration date.
Intro Offer
$1,200 cash bonus after spending $30,000 in the first three months from account opening
Annual Fee
$95, waived the first year
Rewards
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.
The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
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Intro Offer
50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening
Annual Fee
$0
Rewards
Earn unlimited 1.5% cash back on every purchase made for your business.
Intro Offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Annual Fee
$0
Rewards
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.
Intro Offer
$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Annual Fee
$0
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 Rewards Center.
Intro Offer
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
Annual Fee
$0
Rewards
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.
The information related to the Capital One Spark Miles Select for Business has been collected by Business Insider and has not been reviewed by the issuer.
Show more
Intro Offer
50,000 miles after spending $4,500 on purchases within the first three months from account opening
Ink Business Preferred® Credit Card: Best Intro Bonus Offer
The Business Platinum Card® from American Express
: Best for Premium Travel Perks
The Blue Business® Plus Credit Card from American Express: Best for Travel Points with No Annual Fee
The American Express Blue Business Cash™ Card: Best Flat-Rate Cash Back with No Annual Fee
Capital One Spark Cash Plus
: Best Cash-Back Business Card with No Preset Spending Limit
Capital One Spark Miles for Business
: Best for Earning 2x Miles on All Purchases
Capital One Spark Miles Select for Business
: Best for Flat Rate Miles With No Annual Fee
Ink Business Unlimited® Credit Card: Best to Maximize Chase Points and Cash Back
American Express® Business Gold Card
: Best for Big Spenders
Ink Business Cash® Credit Card: Best for Office Supplies and Wireless
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
: Best Rewards Card with a Generous Intro 0% APR Offer
U.S. Bank Business Platinum Card: Best for a Long 0% Intro APR
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for Customizing Rewards
Capital One®️ Spark®️ Classic for Business
: Best for Fair Credit
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for American Airlines Flyers
IHG One Rewards Premier Business Credit Card: Best for IHG
Best Business Credit Card With an Intro Bonus Offer
Chase Ink Business Preferred
If you’re looking to earn valuable, flexible rewards points on your business spending, the Chase Ultimate Rewards® program is among the best options. If you already have one of the popular Chase cards that earn these rewards — like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® — the Ink Business Preferred® Credit Card is an ideal business card companion.
Like those cards, the Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points, and while you can keep them on that card and separate from the rest of your stash, you can also combine them with the rest of your points. These points can be traded for cash back, transferred to frequent flyer and hotel loyalty partners, or used to purchase travel with a 25% bonus (or a 50% bonus if you move your points over to your Chase Sapphire Reserve®).
Chase Ultimate Rewards points are worth 1.8 cents apiece, on average, according to Insider’s points and miles valuations, primarily because you can transfer them to airline and hotel partners for high-value award flights and stays.
What the experts love: A great welcome bonus offer, 3x points on up to $150,000 spent per year in select popular business categories.
What the experts don’t love: You have to spend $8,000 in the first three months to earn the 100,000-point welcome bonus offer, so this offer won’t be ideal for smaller businesses with less spending.
Read more about the Ink Business Preferred:
Chase Ink Business Preferred card review
Chase Sapphire Preferred vs Ink Business Preferred card comparison
Best Business Credit Card for Premium Travel Perks
Amex Business Platinum
The business version of American Express’ famed Amex Platinum Card used to be our pick for the top business card, but the annual fee has since increased and it’s become a bit more of a niche product. The Business Platinum Card® from American Express is potentially useful for mid-sized businesses that spend a lot on flights and travel, but less valuable for sole proprietors and very small operations.
The Business Platinum card added new benefits, including new 1.5x earning categories on eligible purchases at US construction material & hardware suppliers, electronic goods retailers, software and 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 as well as annual statement credits for wireless, Indeed, Adobe purchases, and Dell**.
Like Chase points, Amex points have a high value according to Insider’s points and miles valuations — 1.8 cents apiece, on average, again based on the ability to transfer points to airline and hotel partners for award travel.
What the experts love: You’ll get lots of perks, including statement credits, plus 5x Amex Membership Rewards points on airfare and prepaid hotels when you book through American Express Travel. The card also comes with 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership.
What the experts don’t love: Very high annual fee of $695, plus a high minimum spending requirement to earn the welcome bonus offer. Says Benét Wilson, credit cards editor at The Points Guy, “If you don’t travel a lot, this may not be your best choice since you don’t earn higher points on spending categories most popular for businesses.”
Read more about the Business Platinum card:
Amex Business Platinum card review
Amex Platinum vs Amex Business Platinum card comparison
Best Business Credit Card for Earning Travel Points With No Annual Fee
Amex Blue Business Plus
It’s a rare points-earning business card that doesn’t charge an annual fee; you’ll earn 2 points per dollar on the first $50,000 you spend each calendar year, with no bonus categories to keep track of.
According to Insider’s points and miles valuations, Amex points are worth 1.8 cents apiece on average, so you’re getting a 3.6% return on all your business spending up to $50,000 each year.
What the experts love: 2x points on up to $50,000 spent per year (then 1x), with no annual fee. “Plus, pay no interest on new purchases for the first year. That’s very helpful for small business owners,” says Sara Rathner, credit card expert at NerdWallet.
What the experts don’t love: “If you’re looking for a lucrative welcome offer to give you an instant points boost, this isn’t the card to give you that,” says Benét Wilson.
Read more about the Blue Business Plus card:
Amex Blue Business Plus credit card review
Amex Trifecta: Earn maximum Membership Rewards points
Best Business Credit Card for Flat-Rate Cash Back With No Annual Fee
The American Express Blue Business Cash™ Card
If you prefer straightforward cash-back earning without having to worry about keeping track of bonus categories, the no-annual-fee The American Express Blue Business Cash™ Card should be on your shortlist. Insider considers it to be the best 2% cash back credit card for small business owners.
With this card, you earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year, then 1% back (cash back is received in the form of Reward Dollars).
For small businesses with big expenses on the horizon, there’s a 0% intro APR on purchases for 12 months from account opening (then a 18.24% – 26.24% Variable APR) that can help you save some money on interest, as well.
What the experts love: Earning 2% cash back on all purchases on up to $50,000 spent per year (then 1%) with no annual fee is hard to beat, a zero interest credit card with an introductory 0% APR can give you some breathing room.
What the experts don’t love: The card doesn’t currently offer a welcome bonus.
Read more about the Amex Blue Business Cash:
Amex Blue Business Cash card review
Best Cash Back Business Card With No Preset Spending Limit
Capital One Spark Cash Plus
The Capital One Spark Cash Plus earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, and 2% cash back on all other purchases. That’s it. No points values or conversions, no redemption minimums. Rewards won’t expire for the life of the account, and you can redeem any amount of cash back. The card has an annual fee of $150, and it currently offers $1,200 cash bonus after spending $30,000 in the first three months from account opening.
At first glance, The Blue Business® Plus Credit Card from American Express might seem like a better option, since it earns 2x points and doesn’t have an annual fee. However, keep in mind that while 2x points may be more valuable than 2% cash if you redeem strategically for travel by transferring to partners, you can’t redeem Membership Rewards points outright for cash. You can redeem them for a statement credit, but they’ll only be worth 0.6 cents each. That means that effectively, the Amex card only offers 1.2% “cash” back, compared to the no-strings-attached 2% from the Spark 2% Cash Plus.
What the experts love: You earn the same 2% back everywhere, no preset spending limit since it’s a charge card.
What the experts don’t love: Other business credit cards offer a great return on spending in some purchase categories.
Read more about the Capital One Spark Cash Plus card:
Capital One Spark Cash Plus card review
Best Business Credit Card for Earning 2x Miles on Everything
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is a great option if you don’t want a complicated rewards credit card strategy but want choices in how you redeem your miles from the one card you do use. You can transfer them to over a dozen Capital One partners or you can use miles to cover your business’ travel expenses from your credit card statement.
Capital One miles are worth 1.7 cents each, on average, according to Insider’s valuations, because you can often get outsized value when you transfer miles to partners. If you want to keep it simple, there’s also the option to use your miles to book travel through the Capital One Travel portal, or redeem them at a rate of 1 cent each to “erase” eligible travel purchases from your card statement.
Beyond that, you can redeem Capital One miles for cash back or gift cards. So if you don’t want to be locked into just one way to use your rewards, this card could make sense.
What the experts love: “The flat 2 miles per dollar spent that you earn on this card transfer to more than a dozen airline and hotel partners, plus you earn 5x miles on hotels and rental cars booked with the card through Capital One Travel,” says Wilson.
What the experts don’t love: No 0% APR period, not as many perks as some other cards with a similar annual fee.
Read more about the Spark Miles for Business card:
Capital One Spark Miles for Business card review
Best Business Credit Card for Earning Flat-Rate Miles With No Annual Fee
Capital One Spark Miles Select for Business
The Spark Miles Select Business Card recently increased its welcome bonus to 50,000 miles after spending $4,500 on purchases within the first three months from account opening. That’s a rare deal from a no-annual-fee business card, and more than double the usual offer.
Cardholders earn 1.5 miles per dollar on purchases (except hotels and car rentals booked through Capital One Travel, which earn 5 miles per dollar). There are no pesky foreign transaction fees to worry about, and you’ll get a few travel benefits, including roadside assistance and secondary car rental insurance.
The redemption options on this card are similar to that of its big sibling (the Capital One Spark Miles for Business). Based on Insider’s valuations, you can expect to get around $850 in travel from this card’s bonus.
What the experts love: A strong welcome bonus and earning for no annual fee make the card an affordable entry point if you’re interested in earning credit card rewards for travel.
What the experts don’t love: Light on benefits compared to other travel credit cards, no intro APR offer
Read more about the Spark Miles Select for Business Card:
Capital One Spark Miles Select for Business Review
Best Business Credit Card for Maximizing Chase Points and Cash Back
Chase Ink Business Unlimited
The Ink Business Unlimited® Credit Card is a simple one at first glance, earning unlimited 1.5% cash back. However, just like the consumer Chase Freedom Flex℠
and Chase Freedom Unlimited® cards, the Ink Business Unlimited® Credit Card has a trick up its sleeve. Although the card is marketed as “cash back,” it earns Chase Ultimate Rewards points that you can redeem for cash (1 point = 1 cent).
That means that you can combine the points earned from the Ink Business Unlimited® Credit Card with the ones you earn from cards like the Ink Preferred, or the personal Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, and either earn a bonus when you redeem them for travel through Chase, or transfer them to travel partners. Combined with an Ink Preferred, you’ll get a guaranteed 1.5–3 points per dollar spent.
The card also offers a 0% intro APR on purchases for the first 12 months, followed by a 18.24% – 24.24% Variable, so it’s a good choice if you have expenses coming up that you want to spread out over time.
What the experts love: “The current welcome bonus offer is especially impressive for a no-annual-fee card,” says Silbert.
What the experts don’t love: This card isn’t as valuable on its own — you need another Chase card to truly maximize the rewards.
Read more about the Ink Business Unlimited card:
Chase Ink Business Unlimited credit card review
Chase Ink Business Preferred vs Cash vs Unlimited
Best Business Credit Card for Big Spenders
Amex Business Gold
If you don’t want to pay the higher annual fee of The Business Platinum Card® from American Express, the American Express® Business Gold Card is a good alternative. And depending on your spending habits, the Business Gold could be a more rewarding choice, thanks to the ability to earn 4x points on popular business spending categories on the first $150,000 in combined purchases each calendar year in the two select categories where your business spent the most each month; then 1x.
Eligible 4x categories are:
Airfare purchased directly from airlines
US gas stations
US restaurants (including takeout and delivery)
US shipping providers
US computer hardware, software, and cloud systems from select technology providers
US purchases for advertising in select media (online, TV, radio)
This card currently comes with a big welcome offer of 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership (worth $1,260 based on Insider’s valuations). Cardholders also receive a decent selection of travel and shopping perks, including a 25% points rebate on first- and business-class flights (or economy flights on your selected airline) booked through Amex Travel.
What the experts love: High level of customization when it comes to where you earn the most rewards
What the experts don’t love: Wilson notes that it’s the only premium Amex card that doesn’t offer a statement credit to offset the annual fee.
Read more about the Amex Business Gold card:
Amex Business Gold card review
Best Business Credit Card for Office Supplies and Wireless
Chase Ink Business Cash
The Ink Business Cash® Credit Card is another solid Chase entry, and just like with the Ink Business Unlimited® Credit Card, you can pool the “cash” you earn with points from a points-earning card, effectively converting your cash into (potentially) more valuable points.
The Ink Business Cash® Credit Card is an especially good option if you can maximize its bonus categories, including office supply stores, internet, cable, and restaurants, among others. The card earns 5% cash back (5x points) at office supply stores and on internet, cable, and phone services, and 2% cash back (2x points) at gas stations and restaurants. You’ll earn 5% and 2% in these categories on the first $25,000 in combined purchases each account anniversary year (then 1%), and 1% cash back (1 point per dollar) on all other purchases with no caps.
New cardholders can also take advantage of a 0% intro APR on purchases for the first 12 months (then a 18.24% – 24.24% Variable APR), making this card a good choice for big purchases you want to pay off over several months.
What the experts love: No annual fee, you can earn up to 5% cash back
What the experts don’t love: Not the best option if you don’t spend a lot within the 5% cash-back categories
Read more about the Ink Business Cash card:
Chase Ink Business Cash credit card review
Chase Ink Business Unlimited vs Ink Business Cash
Best Business Credit Card With Cash Back and an Intro 0% APR Offer
US Bank Business Triple Cash Rewards
If you’re looking for a rewards-earning business card with a generous 0% APR on both purchases and balance transfers, the U.S. Bank Business Triple Cash Rewards Card is an excellent choice, and the best US Bank credit card for small-business owners. Cardholders receive a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a 18.24% – 27.24% Variable APR, which is very uncommon on business cards.
The card’s welcome offer and earnings aren’t anything to sniff at, either. New cardholders can earn $500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account (authorized user purchases won’t count, however).
You’ll also earn 5% cash back on prepaid hotels and car rentals booked through the US Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases.
Another unique feature of the card is an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks. If you already subscribe to these services, the statement credit is a nice bonus — and it’s particularly unusual for a no-annual-fee card.
What the experts love: Long intro APR on purchases and balance transfers, good bonus and earning rates, software subscription statement credit
What the experts don’t love: Foreign transaction fees
Read more about the US Bank Triple Cash Rewards card:
US Bank Business Triple Cash Rewards card review
Best Business Credit Card for an Extra-Long 0% Intro APR Offer
US Bank Business Platinum Card
While it doesn’t earn rewards or come with a welcome bonus, the U.S. Bank Business Platinum Card might be just what your business needs if you don’t want to get hit with big interest charges on large purchases you can’t pay off all at once.
New cardholders qualify for a 0% intro APR on purchases and balance transfers for the first 18 billing cycles (balance transfers must be made within 60 days of account opening), followed by a 16.24% – 25.24% (Variable) APR.
What the experts love: Ultra-long intro 0% APR on both purchases and balance transfers
What the experts don’t love: No rewards, foreign transaction fees
Best Business Credit Card for Customizing Rewards
Bank of America Business Advantage Customized Cash Rewards credit card
Being able to pick your own bonus categories can go a long way toward helping your business maximize its spending. The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is a good pick if you want this kind of flexibility, especially if your spending habits tend to change from month to month.
Each month, cardholders can choose to earn 3% cash back in one category from this list:
Gas stations
Office supply stores
Travel
TV, telecom, and wireless
Computer services
Business consulting services
Otherwise, the card earns 2% cash back on dining purchases and 1% back on all other eligible purchases. Keep in mind the 3% and 2% cash back categories are capped at a combined $50,000 per year in purchases; after that, you’ll earn 1% cash back.
However, if you’re a Bank of America Preferred Rewards for Business customer, you can earn up to 75% more cash back, depending on your rewards tier. At the highest level, you could be earning a whopping 5.25% back in your chosen category.
There’s a good welcome offer of a $300 statement credit after making $3,000 in purchases in the first 90 days of your account opening. Cardholders also receive a 0% intro APR on purchases for the first nine billing cycles, followed by a 16.74% – 26.74% Variable APR.
What the experts love: Ability to customize a 3% cash back category each month, good welcome bonus offer
What the experts don’t love: $50,000 annual cap on 3% and 2% categories, foreign transaction fees
Read more about the Bank of America Business Advantage Customized Cash Rewards card:
Bank of America Business Advantage Customized Cash Rewards credit card review
Best Bank of America credit cards
Best Business Credit Card for Fair Credit
Capital One Spark Classic for Business
Whether you have a new business or just don’t have a ton of credit history, the Capital One®️ Spark®️ Classic for Business could be a good stepping stone. It’s possible to get approved for the card with just fair credit, whereas most other business cards that earn rewards require a good or even excellent credit score.
The card offers 1% cash back on all purchases, which isn’t spectacular, but as a starter business card, it’s not bad. There are no annual fees or foreign transaction fees, and employee cards are free to add (you’ll earn rewards for their purchases, too).
You’ll also receive a handful of good benefits, including secondary car rental insurance, purchase protection against damage or theft, extended warranty on eligible items, and travel and emergency assistance services.
What the experts love: You only need fair credit to be considered for approval, decent benefits for a starter card, no foreign transaction fees or annual fee
What the experts don’t love: Card only earns 1% cash back across the board, no welcome bonus offer
Airline Business Credit Cards
Welcome offer: Varies
If you fly often for work, and you’re loyal to one particular airline, then it could be worth getting one of the best airline credit cards for business owners. In addition to earning frequent flyer miles on every purchase, you’ll get a variety of perks like free checked bags and priority boarding.
Each airline credit card has slightly different terms and benefits, but these are some of the best options to consider for your business.
Delta (elevated welcome bonus offers until August 2, 2023)
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
AAdvantage® Aviator® World Elite Business Mastercard®
Southwest Airlines
Southwest® Rapid Rewards® Premier Business Credit Card (elevated welcome bonus offer until August 28, 2023)
Southwest® Rapid Rewards® Performance Business Credit Card
Alaska Airlines
Alaska Airlines Business Credit Card
Hotel Business Credit Cards
Welcome offer: Varies
If you frequently travel for business, one of the best hotel credit cards for business owners could also make sense. You’ll earn hotel points on all your spending, and some cards offer complimentary elite status and annual free reward nights.
The benefits and bonuses vary, but here are some top options to consider:
Hilton
The Hilton Honors American Express Business Card (elevated bonus offer until July 19, 2023)
Marriott
Marriott Bonvoy Business® American Express® Card
Hyatt
World of Hyatt Business Credit Card
IHG
IHG One Rewards Premier Business Credit Card
Wyndham
Wyndham Rewards® Earner Business Card
(limited-time bonus offer)
Disclosures:
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Jasmin Baron, CEPF
Editor
Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at jbaron@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
Angela Fung
Marketing Compliance Manager
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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