I'M INTERESTED IN:
Our pick for
Cash-back business credit card
Ink Business Unlimited® Credit Card
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
The Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
The Ink Business Unlimited® Credit Card
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- 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
Our pick for
Businesses with annual spend below $50K
The American Express Blue Business Cash™ Card
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Come for the intro APR offer; stay for the cash back rewards. The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Come for the intro APR offer; stay for the cash back rewards. The American Express Blue Business Cash™ Card
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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
View Rates & Fees
Our pick for
Up to 5% cash back in bonus categories
Ink Business Cash® Credit Card
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
If your business spends heavily on office supplies, gas, restaurants or internet, cable and phone service, the Ink Business Cash® Credit Card
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
If your business spends heavily on office supplies, gas, restaurants or internet, cable and phone service, the Ink Business Cash® Credit Card
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
Our pick for
Business card for new businesses
The Blue Business® Plus Credit Card from American Express
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Start with a solid intro APR offer, then rack up rewards. The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Start with a solid intro APR offer, then rack up rewards. The Blue Business® Plus Credit Card from American Express
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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
View Rates & Fees
Our pick for
Business charge card for heavy spenders
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200
Big spenders can net a massive welcome bonus, plus an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200
Big spenders can net a massive welcome bonus, plus an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The Capital One Spark Cash Plus
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- 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 your $150 annual fee refunded every year you spend at least $150,000
- 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
View Rates & Fees
Our pick for
Cash back boost (up to 75% more)
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Earn an extra 25% to 75% cash back on every purchase when you couple the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Earn an extra 25% to 75% cash back on every purchase when you couple the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
- 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 unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- 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.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Our pick for
Bonus categories that sync with your spending
American Express® Business Gold Card
Apply now
on American Express' website
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
A chameleon of a business card, the American Express® Business Gold Card
American Express® Business Gold Card
Apply now
on American Express' website
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
A chameleon of a business card, the American Express® Business Gold Card
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
View Rates & Fees
Our pick for
Travel points + welcome offer
Ink Business Preferred® Credit Card
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
The Ink Business Preferred® Credit Card
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
The Ink Business Preferred® Credit Card
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- 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 Travel℠
- 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 Travel℠
- 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
Our pick for
Airport lounge access + travel credits
The Business Platinum Card® from American Express
Apply now
on American Express' website
Annual fee
$695
Rewards rate
1x-5x Points
For business travelers who spend a lot of time on the road, or especially in the air, The Business Platinum Card® from American Express $695
The Business Platinum Card® from American Express
Apply now
on American Express' website
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
For business travelers who spend a lot of time on the road, or especially in the air, The Business Platinum Card® from American Express $695
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 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 each eligible purchase 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 statement credits on select purchases, including tech, recruiting and wireless in the first yearof membershipwiththe Business Platinum Card®.Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to theCard.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
No preset spending limit
Ink Business Premier® Credit Card
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
This business charge card has no preset spending limit and pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
This business charge card has no preset spending limit and pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Welcome offer + annual travel credit
Capital One Venture X Business
Apply now
on Capital One's website
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
This luxury travel card's perks include airport lounge access and an annual travel credit that easily offset the annual fee.
Capital One Venture X Business
Apply now
on Capital One's website
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
This luxury travel card's perks include airport lounge access and an annual travel credit that easily offset the annual fee.
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
View Rates & Fees
Our pick for
Travel rewards (flat-rate)
Capital One Spark Miles for Business
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
The Capital One Spark Miles for Business
Capital One Spark Miles for Business
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
The Capital One Spark Miles for Business
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
Corporate card (no personal guarantee)
Ramp Card
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls and automatic receipt matching. Plus, there's no credit check or personal guarantee.
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp's corporate charge card has a lower revenue threshold than other corporate cards but offers many of the same perks: unlimited cash back, spending controls and automatic receipt matching. Plus, there's no credit check or personal guarantee.
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $75,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
No foreign transaction fees
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Our pick for
Fair credit
Capital on Tap Business Credit Card
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
The Capital on Tap Business Credit Card 1.5%
Capital on Tap Business Credit Card
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
The Capital on Tap Business Credit Card 1.5%
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Unlimited 1.5% cash back
Capital One Spark Cash Select for Excellent Credit
Apply now
on Capital One's website
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750
The Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
Apply now
on Capital One's website
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750
The Capital One Spark Cash Select for Excellent Credit
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires good/excellent credit
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Intro APR period (purchases and balance transfers)
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- 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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Hotel business card
Marriott Bonvoy Business® American Express® Card
Apply now
on American Express' website
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
The Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card
Apply now
on American Express' website
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
The Marriott Bonvoy Business® American Express® Card
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Airline business credit card
United℠ Business Card
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75000 Miles
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75000 Miles
Frequent business flyers earn rewards on more than just travel with the United℠ Business Card. There's also a sign-up bonus and no annual fee for the first year.
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Our pick for
Startups with venture backing
Brex Card
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
The Brex Card
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
The Brex Card
Pros
- No annual fee
- New cardholder bonus offer
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Our pick for
4X points on travel (up to $150K)
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
You'll have to look hard to find another business credit card that gives you 4X points on up to $150,000 in combined travel expenses annually. And you can earn even more if you book via U.S. Bank's Reward Center. There's also a nice welcome offer and no annual fee for the first year.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
You'll have to look hard to find another business credit card that gives you 4X points on up to $150,000 in combined travel expenses annually. And you can earn even more if you book via U.S. Bank's Reward Center. There's also a nice welcome offer and no annual fee for the first year.
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
NerdWallet's editorial picks: Best business credit cards
Explore details like welcome offers, reward rates and intro APR periods below, or click the card's name to read our full review. Before applying, confirm details on the issuer’s website.
Best credit cards for small businesses
American Express® Business Gold Card: Best for bonus categories that sync with your spending.
The American Express Blue Business Cash™ Card: Best for businesses with annual spend below $50K.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for no foreign transaction fees.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured: Best for seured business credit card.
The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
Brex Card: Best for startups with venture backing.
The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
Capital on Tap Business Credit Card: Best for fair credit.
Capital One Spark Cash Plus: Best for business charge card for heavy spenders.
Capital One Spark Cash Select for Excellent Credit: Best for unlimited 1.5% cash back.
Capital One Spark Miles for Business: Best for travel reards (flat-rate).
Capital One Venture X Business: Best for welcome offer + annual travel credit.
Ink Business Cash® Credit Card: Best for up to 5% cash back in bonus categories.
Ink Business Preferred® Credit Card: Best for travel points + welcome offer.
Ink Business Unlimited® Credit Card: Best for cash-back business credit card.
Ink Business Premier® Credit Card: Best for no preset spending limit.
Marriott Bonvoy Business® American Express® Card: Best for hotel business card.
Ramp Card: Best for corporate card (no personal guarantee).
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for intro APR period (purchases and balance transfers).
U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for 4X points on travel (up to $150K).
United℠ Business Card: Best for airline business travel card.
Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
ALSO CONSIDER:Best LLC business cards ||Best business cards for bad credit ||Best 0% intro APR business credit cards||Best corporate cards
Ink Business Premier® Credit Card
Best for: No preset spending limit
NerdWallet star rating: 5
Should you get the Ink Business Premier® Credit Card Ink Business Unlimited® Credit Card 1.5
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
$ 195
None. The Flex for Business Variable APR is 19.49%-27.49%
The Business Platinum Card® from American Express
Best for: Airport lounge access + travel credits
NerdWallet star rating: 5
Should you get The Business Platinum Card® from American Express
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.
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. Terms Apply.
$ 695
None. The ongoing APR is 19.49%-28.49% Variable APR
American Express® Business Gold Card
Best for: Bonus categories that sync with your spending
NerdWallet star rating: 5
Should you get the American Express® Business Gold Card American Express® Business Gold Card American Express® Business Gold Card $375
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. Terms Apply.
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Terms Apply.
$ $375
None. The ongoing APR is 19.49%-28.49% Variable APR
Capital One Spark Cash Plus
Best for: Business charge card for heavy spenders
NerdWallet star rating: 5
Should you get the Capital One Spark Cash Plus 2 Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. 150 Capital One Spark Cash Plus
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
$ 150
N/A
Wells Fargo Signify Business Cash℠ Card
Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating: 5
Should you get the Wells Fargo Signify Business Cash℠ Card? If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card checks virtually every box. High rewards rate? Check. No annual fee? Check. Intro APR period? Check. Welcome offer? Check. In fact, it's hard to find something not to like about the Signify Business Cash, which is the only business credit card on our list to offer unlimited 2% cash back on all purchases with no annual fee. The American Express Blue Business Cash™ Card earns 2% but only up to the first $50,000 in purchases each year (terms apply). It also has a much smaller welcome offer compared to the Signify Business Cash Card. And other 2% back business cards like the Ink Business Premier® Credit Card have high annual fees ( $195
Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
Unlimited 2% cash back on purchases.
$0.
0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 18.49% – 26.49%.
Marriott Bonvoy Business® American Express® Card
Best for: Hotel business card for free nights, flexible rewards
NerdWallet star rating: 5
Should you get the Marriott Bonvoy Business® American Express® Card Marriott Bonvoy Business® American Express® Card
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.
$ 125
None. The ongoing APR is 20.99%-29.99% Variable APR
Capital One Venture X Business
Best for: Welcome offer and annual travel credit
NerdWallet star rating: 5
Should you get the Capital One Venture X Business 395 695 The Business Platinum Card® from American Express
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
$ 395
N/A
Capital One Spark Cash Select for Excellent Credit
Best for: Unlimited 1.5% cash back
NerdWallet star rating: 5
Should you get the Capital One Spark Cash Select for Excellent Credit 1.5 Capital One Spark Cash Select for Excellent Credit
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
$.
None. The ongoing APR is 18.49%-24.49% Variable APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Balance transfer business card
NerdWallet star rating: 5
Should you get the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
$.
0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating: 5
Should you get the Ink Business Cash® Credit Card
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
Ink Business Unlimited® Credit Card
Best for: Cash-back business credit card
NerdWallet star rating: 5
Should you get the Ink Business Unlimited® Credit Card
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
$.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: 4X points on travel (up to $150K)
NerdWallet star rating: 5
Should you get the U.S. Bank Business Altitude™ Connect World Elite Mastercard® $0 intro for the first year, then $95
Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend. Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
$0 intro for the first year, then $95
None. The ongoing APR is 20.24%-28.24% Variable APR
United℠ Business Card
Best for: Airline business credit card
NerdWallet star rating: 5
Should you get the United℠ Business Card
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
$ 99
None. The ongoing APR is 21.99%-28.99% Variable APR
Ink Business Preferred® Credit Card
Best for: Travel points + welcome offer
NerdWallet star rating: 4.9
Should you get the Ink Business Preferred® Credit Card Ink Business Preferred® Credit Card
Earn 100,000 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 Travel℠.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
$ 95
None. The ongoing APR is 21.24%-26.24% Variable APR
The American Express Blue Business Cash™ Card
Best for: Intro APR + up to 2% cash back
NerdWallet star rating: 4.9
Should you get The American Express Blue Business Cash™ Card
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
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. Terms Apply.
$.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
Capital One Spark Miles for Business
Best for: Travel rewards (flat-rate)
NerdWallet star rating: 4.8
Should you get the Capital One Spark Miles for Business Capital One Spark Miles for Business Capital One Spark Miles for Business Ink Business Preferred® Credit Card
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.
$ 95
None. The ongoing APR is 26.24% Variable APR
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Best for: Cash back boost (up to 75%)
NerdWallet star rating: 4.7
Should you get the Business Advantage Unlimited Cash Rewards Mastercard® Business Advantage Unlimited Cash Rewards Mastercard® 1.5%
Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
$.
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% Variable APR
The Blue Business® Plus Credit Card from American Express
Best for: Business card for new businesses
NerdWallet star rating: 4.6
Should you get the The Blue Business® Plus Credit Card from American Express The American Express Blue Business Cash™ Card
Earn15,000Membership Rewards® points after you spend$3,000 in eligible purchases on the Card within your first3 months of Card Membership. Terms Apply.
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. Terms Apply.
$.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
Capital on Tap Business Credit Card
Our pick for: Fair credit
NerdWallet star rating: 3.9
Should you get the Capital on Tap Business Credit Card Capital on Tap Business Credit Card
Earn $200 cashback when you spend $15,000 in the first 3 months.
1.5% rewards on all spend, no caps or restrictions
$.
None; ongoing APR of 18.49%-35.99% Variable APR
Bank of America® Business Advantage Travel Rewards World Mastercard®
Best for: No foreign transaction fees
NerdWallet star rating: 3.8
Should you get the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Bank of America® Business Advantage Travel Rewards World Mastercard® credit card $0 Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire as long as your account remains open.
$.
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% Variable APR
Ramp Card
Best for: Corporate card (no personal guarantee)
NerdWallet star rating: 3.7
Should you get the Ramp Card
None.
Earn unlimited 1.5% cash back on all purchases.
$.
N/A.
Brex Card
Best for: Corporate card for startups
NerdWallet star rating: 3.1
Should you get the Brex Card Brex Card Brex Card
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
$.
N/A.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Best for: Secured business credit card
This card has not been rated by NerdWallet.
Should you get the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card? Business owners with thin or poor personal credit have limited choices for small-business credit cards. If you can’t qualify for an unsecured option, this Bank of America card is a great alternative. Since it’s a secured card, you'll need to put down a deposit to serve as your credit limit. But unlike some similar products, this card still offers you rewards — unlimited 1.5% cash back on all purchases — and doesn’t charge an annual fee. Use it responsibly and you can establish business credit, as well as potentially get an upgrade from Bank of America to a non-secured card.
None.
Earn unlimited 1.5% cash back on all purchases.
$0.
N/A.
Compare more business credit cards
Business credit cards by issuer
Business credit cards by feature
Business credit cards by interest rate
The interest rate on your business credit card is an important factor to consider when comparing options. Rates have risen steadily over the past year, moving in step with the federal funds rate, increasing costs for business owners who carry a balance.
Most business cards offer an APR range; you need excellent credit (typically a FICO score above 720) to secure the lowest rate. Charge cards like Capital One Spark Cash Plus Brex Card
Minimum APR | Maximum APR | |
|---|---|---|
American Express® Business Gold Card | 19.49 | 28.49 |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 18.49 | 28.49 |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | 18.49 | 28.49 |
Brex Card | N/A. | N/A. |
Capital One Spark Cash Plus | N/A. | N/A. |
Capital One Spark Cash Select for Excellent Credit | 18.49 | 24.49 |
Capital One Spark Miles for Business | 26.24 | N/A. |
Capital One Venture X Business | N/A. | N/A. |
Capital on Tap Business Credit Card | 18.49 | 35.99 |
Ink Business Cash® Credit Card | 18.49 | 24.49 |
Ink Business Preferred® Credit Card | 21.24 | 26.24 |
Ink Business Unlimited® Credit Card | 18.49 | 24.49 |
Ink Business Premier® Credit Card | 19.49 | 27.49 |
Marriott Bonvoy Business® American Express® Card | 20.99 | 29.99 |
Ramp Card | N/A. | N/A. |
The American Express Blue Business Cash™ Card | 18.49 | 26.49 |
The Blue Business® Plus Credit Card from American Express | 18.49 | 26.49 |
The Business Platinum Card® from American Express | 19.49 | 28.49 |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® | 20.24 | 28.24 |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 19.24 | 28.24 |
United℠ Business Card | 21.99 | 28.99 |
Types of business credit cards
Cash backSome cash back cards offer up to 5% back in certain categories, other offer a flat rate of 1%-2% on all business purchases.
Travel rewardsRack up points or miles to redeem on future travel and get perks like lounge access, free hotel stays and statement credits for Global Entry.
Charge cardsBusiness charge cards have no pre-set spending limit — a draw for businesses with large operating budgets — but you must pay your balance in full each month.
Corporate cardsApproval is based on your business financials, not your personal credit, and cards do not require a personal guarantee.
Your guide to choosing a business credit card
What is a business credit card?
Business credit cards are a revolving line of credit that entrepreneurs can use to pay for company expenses. They typically offer rewards like cash back or points, as well as features like free employee cards with spending controls.
Most business credit cards let you spend up to a predetermined limit, then pay those items off over time with interest. Others have no preset spending limit, but the entire balance must be paid in full each month. Those are considered business charge cards and are best suited to established companies with reliable cash flow.
The terms "business credit card" and "small-business credit card" are often used interchangeably to refer to cards that are available to anyone with business income — gig workers, side hustlers and freelancers included. Approval for these kinds of cards largely depends on an applicant's personal credit history.
Corporate cards, sometimes called company cards, are different. These cards aren't available to sole proprietors, and approval is based on business financials rather than personal credit history. You typically need revenue in the multi-millions to qualify, though some options from fintech companies like Ramp and Brex, have more lenient requirements.
Business credit cards: Benefits and drawbacks
A business credit card can be a great tool to build business credit while earning rewards on things like operating costs and innventory, but they come with some risks, too. Weigh the benefits of a business credit card against any potential drawbacks before applying.
Pros
Build your business credit history.
Earn rewards for business spending.
Keep business and personal expenses separate.
Ability to issue employee cards; manage spending with custom controls.
Higher credit limits and bigger welcome offers than personal credit cards.
0% intro APR periods can be used to finance larger business purchases.
Cons
Most busines cards require a personal guarantee.
You need good/excellent personal credit to qualify.
Interest rates are high compared with business loans and lines of credit.
Business cards have fewer federal protections than consumer credit cards.
How to find the best business credit card for you
When choosing a business credit card, a simple cash-back option with no annual fee is a great choice for most companies. But it can pay to look at your spending to see whether there’s a better fit.
Spend a lot of time on the road? Look for a business card with travel perks like lounge access and preferred status. Spend a lotperiod? Then a card with an annual fee but a high rewards rate might justify the additional cost. (Plus, annual fees are deductible business expenses.)
If you’re going to carry a balance from month-to-month, prioritize a lower ongoing APR. Some business credit cards even offer a 0% interest rate for the first year, or longer. This can be of great benefit if you have a major business-related purchase you're looking to finance.
🤓 Nerdy Tip
Looking to get the most rewards possible? Consider combining multiple business credit cards — like a flat-rate card and one with bonus categories. Having more than one card means you'll need to track more spending (and bills). But card issuers often have complementary options in their portfolios, which can help limit some of the management.
What you need to apply for a business credit card
Applying for a business credit card is pretty straightforward. Business credit card applications typically ask for the following:
Business name. No formal business name? Just use your name.
Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
Employer identification number or Social Security number. You can get a business credit card without an SSN, but you'll need different identifying info instead.
Industry. This can be a broad category like retail, medical or professional services, or something more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
Time in business, revenue and expenses. If your business has no annual revenue, simply enter "$0."
Personal guarantee. Virtually all small-business credit card applications require a personal guarantee. This means you’re personally responsible for the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.
Business credit cards, like consumer cards, consider your personal credit history to determine approval, interest rates and credit limits. Applying for a business card may ding your personal credit score, but only a little and only for a short time. If your personal credit history is thin or poor, bad-credit business credit cards are available.
4 tips to maximize business credit card rewards
1. Use your card if possibleUsing a business credit card for all of your purchases makes those points, miles or cash back add up fast. But always pay on time and in full to stop late fees and interest charges from eating away at your rewards.
2. Lock down that bonusYou typically need to spend $3,000 to $6,000 within three months to earn a welcome bonus (some cards require more). Plan ahead and track your spending to ensure you don’t miss out.
3. Leverage every perkCash back and travel points are often just the tip of the iceberg. Several cards offer discounts or credits on things like software subscriptions, cell phone services and travel expenses when you pay with your card.
4. Deduct interest and feesIf you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.
Business credit cards: frequently asked questions
The American Express Blue Business Cash Card is NerdWallet’s pick for best business credit card of 2024. This card delivers high-value rewards and a lengthy intro APR period, giving businesses added flexibility and purchasing power, and it has no annual fee. That combination of simplicity and value makes the Blue Business Cash one of the best credit cards for new businesses and established companies.
The Blue Business Cash isn't a one-size-fits-all business card, though. Your company's spending habits and priorities should guide your choice for a new business credit card. That might mean a card with a big signup bonus or higher rewards in bonus categories. The best business card for frequent business travelers, for example, may have a higher annual fee but offer lounge access, purchase credits and other perks, major assets if you spend a lot of time in airports.
Business credit cards typically have higher credit limits and bigger sign-up bonuses than personal credit cards. Rewards structures on small-business cards are different, too, particularly the categories that earn bonus rewards.
A business credit card is more likely to earn bonus rewards on shipping or at office-supply stores, for example, than at supermarkets or movie theaters. There are also some differences in consumer protections and credit reporting for business cards vs. personal cards.
In general, you must operate a business to qualify for a small-business credit card, but that business does not have to be incorporated or even have a formal structure, such as a partnership or LLC. If you have a side hustle, freelance or do occassional gig work, you can apply for a small-business card, too.
Be aware, though, that the application will likely ask specific questions about your business — the name (if it has one), what kind of business it is, how much revenue it brings in, and so on.
Everyone from a CEO to a gig worker can apply for a small-business credit card. You don't need to be incorporated or have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply for a small-business credit card to help manage business-related expenses, earn rewards and grow their enterprise.
While some business credit cards advertise near-instant approval, you may need to wait a couple of weeks for your card if your credit isn't excellent.
A business card is a great tool to separate your business and personal finances and establish your business credit history. When you use the card only for business spending, its interest and fees can be tax-deductible business expenses. And business credit cards offer rewards, perks and bonuses that rival (and in many cases surpass) those on consumer credit cards.
To view rates and fees of The American Express Blue Business Cash™ Card The Blue Business® Plus Credit Card from American Express
To view rates and fees of The Business Platinum Card® from American Express
To view rates and fees of the American Express® Business Gold Card
To view rates and fees of the Marriott Bonvoy Business® American Express® Card
To view rates and fees of Capital One Spark Cash Plus
To view rates and fees of Capital One Spark Miles for Business
To view rates and fees of Capital One Spark Cash Select for Excellent Credit
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
