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The Best Small Business Credit Cards for January 2020

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The Best Small Business Credit Cards for January 2020

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 30, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The content on this page is accurate as of the posting date; however, some of the offers may have expired.

There are many ways you can use a small business credit card to help your business’s bottom line. You can use it to turn everyday expenses into travel by earning miles, use it to manage employee expenses, or even just use it to get into an airport lounge and relax.

Before selecting a small business credit card, you need to figure out how a card will align with your expenses and what you are aiming to get out of the card. If there’s no one card that answers all of your needs, you may find it beneficial to have multiple cards. We’ve organized our recommendations listed on our site by category — so here are our top picks.

In this article:

Best travel rewards business credit cards

Our top choice

  • Unlimited 2x miles per dollar

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening.

  • Redeem miles with any airline and any hotel

Highlights
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your 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
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel? using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • 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 Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Spark® Miles for Business

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If your primary objective is to turn your small business spending into travel, then a general travel rewards card should be on your radar. However, if your business travel is loyal to a particular airline, you might want to consider an airline-branded travel rewards card. But if you’re not tied to one airline and want flexibility, consider our top travel rewards choice — the Capital One® Spark® Miles for Business. It earns 2 miles per $1 on every purchase, everywhere.

Plus, Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening.

This card’s annual fee is $0 intro for first year; $95 after that.

Best for transferring rewards

  • 6x points at participating Marriott Bonvoy hotels.

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

Highlights
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels. 
  • 4x points at U.S. restaurants, 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 account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

See additional details for Marriott Bonvoy Business™ American Express® Card

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If you’re looking for a hotel rewards card that allows you to redeem rewards  you can also use on multiple airlines, you may want to consider the Marriott Bonvoy Business™ American Express® Card. With this card you can transfer your points to numerous frequent flyer programs (more than 40 participating airlines).

The Marriott Bonvoy Business™ American Express® Card earns 4x points at U.S. restaurants, 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. The welcome offer is 75,000 Bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

There’s a $125 annual fee for this card.

If you’re loyal to an airline

Maybe you do most of your traveling on a specific airline, such as American Airlines, Delta Air Lines or Southwest Airlines. In that case, you could get value from a card that earns miles or points in that airline’s frequent flyer program, and which might offer perks such as a free checked bag.

Here are a few airline business cards worth considering:

  • Earn 70,000 points

  • 3 points per $1 spent on Southwest® purchases

  • 9,000 bonus points after your Cardmember anniversary

Highlights
  • Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.

See additional details for Southwest Rapid Rewards® Performance Business Credit Card

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  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

  • 6,000 bonus points after your Cardmember anniversary

  • 2 points per $1 spent on Southwest® purchases

Highlights
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending

See additional details for Southwest Rapid Rewards® Premier Business Credit Card

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.

  • Earn 2 Miles per dollar spent on purchases made directly with Delta*

  • Priority Boarding and 20% savings on eligible in-flight purchases*

Highlights
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees

See additional details for Gold Delta SkyMiles® Business Credit Card from American Express

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  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.*

  • Earn 2 Miles per dollar spent on purchases made directly with Delta

  • Priority Boarding & 20% savings on eligible in-flight purchases*

Highlights
  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • Terms and limitations apply
  • See Rates & Fees

See additional details for Platinum Delta SkyMiles® Business Credit Card from American Express

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Best cashback business credit cards

If travel rewards aren’t a priority, a cashback credit card can help offset the cost of regular business expense items. Here are a few good business cards that can put some money back toward your bottom line. Deciding which one is best for you will depend on what types of expenses your business spends the most on, or if you just need a flat-rate, cashback card.

Best for gas

  • 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening

  • Redeem rewards for cash back or apply them to your bank account

Highlights
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

See additional details for Bank of America® Business Advantage Cash Rewards Mastercard® credit card

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The Bank of America® Business Advantage Cash Rewards Mastercard® credit card is a great cashback card for small businesses that consider themselves “road warriors.”

This card offers 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

If your business is a big gas spender, it will benefit from the high cashback rate for this category. For example, if you spend $25,000 a year on gas station purchases eligible for the 3% rate, that’s $750 in cash back. This card has a $0 annual fee, allowing you to enjoy the cash back you earn at no yearly cost.

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card also gives business customers cash flow management tools that allow you to monitor spending and travel and emergency services that add a layer of protection when traveling. Take note that this card is not a good choice for business personnel who travel abroad as they’ll be charged a foreign transaction fee of 3% of the U.S. dollar amount of each transaction on all spending.

Best for office supplies

  • 0% for 12 Months

  • $500 bonus cash back

  • Earn 5% cash back in select business categories

Highlights
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

See additional details for Ink Business Cash℠ Credit Card

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If your business spends a lot at office supply stores, the Ink Business Cash℠ Credit Card provides an extremely generous cashback rate. 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.

You can redeem rewards for cash back, travel, gift cards and more.

In addition to the great rewards rate, there is a sign-up bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

The annual fee for the Ink Business Cash℠ Credit Card is $0.

If you’re looking for a Chase card that earns Ultimate Rewards points rather than cash back and you don’t mind paying an annual fee, consider the Ink Business Preferred℠ Credit Card instead. But be aware the annual fee for this card is $95.

Best for flat-rate cash back

  • 2% Cash Back for your business on every purchase, everywhere

  • Limited Time Offer: Earn up to $2,000 in cash bonuses. Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening

  • Redeem cash back for any amount at any time

Highlights
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

See additional details for Capital One® Spark® Cash for Business

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As a small business owner, you may not have the time to keep up with various different cashback rates and caps for special categories that some cards utilize. That’s when a flat-rate cashback card may be your best bet, such as the Capital One® Spark® Cash for Business. It earns 2% cash back for your business on every purchase, everywhere.

You are able to redeem cash back for any amount at any time, and cash back rewards won't expire for the life of the account.

Take note that there is an annual fee of $0 intro for first year; $95 after that. If your business spends at least $4,750 on this card each year (after year one), you will earn enough cash back to recoup the cost of the annual fee.

Best if you don’t want to worry about categories

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

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

  • No foreign transaction fees & many helpful business tools*

Highlights
  • Earn 35,000 Membership Rewards® points after you spend $5,000 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**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees

See additional details for American Express® Business Gold Card

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Does your business spend a lot in certain categories during some months, then spend a lot in different categories during others? If so, the American Express® Business Gold Card has you covered. This card allows cardholders to get 4x membership rewards® points on the 2 select categories where your business spent the most each month*.

The rewards categories for this card are as follows:

  • Airfare purchased directly from airlines.
  • U.S. purchases for advertising in select media (online, TV, radio).
  • U.S. purchases at gas stations.
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions.
  • U.S. purchases made at restaurants.
  • U.S. purchases for shipping.

The 4X reward rate applies to the first $150,000 in combined purchases from your top two spending categories each year. After you hit the maximum yearly spend, you’ll earn 1 point per dollar spent.

This card carries an annual fee of $295.

Best luxury business credit card

  • Earn up to 75,000 Membership Rewards® points*

  • Complimentary access to over 1000+ airport lounges*

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

Highlights
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees

See additional details for The Business Platinum® Card from American Express

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Luxury credit cards are a great way for your business to enjoy the high-value rewards and benefits. They typically come with a high annual fee, but  the benefits your business will receive are often worth it. Luxury credit cards provide first-rate perks, such as lounge access, travel and purchase protections, travel credits, versatile rewards and more. Whether your business wants to enjoy airline credits, acquire travel insurance, or simply access an airport lounge — a luxury credit card is a great choice that will allow you to travel comfortably.

Our top pick in this category is The Business Platinum® Card from American Express.

The Business Platinum® Card from American Express is the most prestigious luxury business credit card on the market. Although it comes with one of the highest annual fees of any card at $595, the rewards and perks are top-notch.

You’ll earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com and 1.5 Membership Rewards® points per dollar on each eligible purchase of $5,000 or more.

And the welcome offer is generous as well, as long as you can meet the spending requirement: 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases on your Business Platinum Card® within your first 3 months of Card Membership.†

One of the biggest perks of carrying this card is its wide-ranging lounge access. It comes with access to more than 1,200 airport lounges across 130 countries. That includes lounges in Amex networks — such as The Centurion Lounge and The International American Express lounges — and also partner lounge networks such as Delta Sky Club.

Additional benefits to this card include:

  • An annual airline fee statement credit of up to $200.
  • An annual statement credit of up to $200 for U.S. purchases with Dell.
  • 35% of points back when you use points for flights (up to 500,000 bonus points per calendar year).

Taking advantage of these perks can significantly reduce the annual fee. For example, if you use the full $200 airline fee statement credit each year, that essentially brings the card’s annual fee down from $595 to $395.

Best business credit card for borrowing

  • 0% for 12 Months, then 14.74% - 20.74% Variable

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

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees

See additional details for The Blue Business® Plus Credit Card from American Express

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Many small businesses may need to carry a balance from time to time. This isn’t ideal, but a card with an introductory 0% APR can provide a window of time to pay off debt without accruing interest charges. Our top pick, whether you need to pay off a large purchase or transfer debt from another credit card, is The Blue Business® Plus Credit Card from American Express.

With this card, you will receive a long intro period on both purchases and balance transfers — intro 0% for 12 months on purchases (after that, a 14.74% - 20.74% variable applies) and an intro 0% for 12 months on balance transfers (after that, a 14.74% - 20.74% variable applies). This is a solid amount of time to pay down your card balance and there’s a reasonable balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Always do the math, but it’s likely the balance transfer fee will be worth it based on what you can save in interest charges.

The card also offers rewards. You can 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. The annual fee is $0.

Small business credit cards FAQ

What makes a good business credit card for you?

A good business credit card should have a variety of features that set it apart from personal credit cards and business loans. Business credit cards are a good way for your business to build credit, track spending and earn rewards. When searching for a business credit card you should choose a card with the following benefits:

  • Free employee cards
  • Generous sign-up bonus/welcome offer
  • Intro 0% APR period
  • Rewards program
  • Business spending reports
  • Free credit score and credit monitoring tools
  • Business credit reporting
  • No foreign transaction fee

Are there credit cards specifically geared toward small businesses?

Yes, there are numerous credit cards that are geared toward small businesses. The cards in this post are all designed for small businesses, unlike standard personal credit cards. Most small business credit cards offer features that allow you to earn high rewards on business purchases, may offer travel perks, and often offer tools to let you monitor spending.

What credit level and spending is required for a business card?

Although this is a small business card, both your personal and business credit score will be considered. Business cards typically require an average or better credit score. If you are new to credit or have bad/fair credit, you most likely will not qualify for a business card. Business cards approve applicants for higher credit limits than personal cards. This is due in part to the large volume of purchases businesses make. There is no minimum spending required annually for a business card.

How does this affect my personal credit score and history?

Business credit cards are a personal liability for business owners. Any unpaid balance on your business card will appear on your personal credit history and lower your personal credit score. This means you are liable for all purchases on your business card, including employee spending. To prevent issues, frequently monitor your account, limit employee spending and set up autopay.

Should you have more than one business card?

If your business is new to credit, it’s best to start with one business credit card so spending doesn’t get out of hand. This is important since you, as the business owner, are personally liable for all purchases made on the business card. As you build credit and your business’s needs grow, you may want to have multiple credit cards to maximize your rewards and benefits. You may want a travel rewards card to pair with an airline’s frequent flyer program, a cashback card for high-spending categories like office supplies and gas, a low-interest card if you have an existing balance or plan on making a large purchase, and a luxury card if you want to travel with ease. Keep in mind taking out an additional card will add to your personal risk and if you don’t want more liability, it is best to stick with one business card.

Are there benefits to a credit card over a business loan?

Yes, there are benefits that come with business credit cards that business loans do not provide. If you are looking to make ongoing purchases, a credit card could be a better choice than a loan. Read about the benefits business loans can provide and see below for the unique benefits of a business credit card:

  • Rewards that can earn you points on everyday business purchases
  • Sign-up bonus/welcome offers
  • 0% intro rates — allowing you to pay a large purchase interest-free or pay off a balance on another card
  • Easier tax filing by having all business purchases on one card
  • No collateral required
  • Revolving line of credit helps easily manage recurring payments
  • Ability to build business credit
  • Automate recurring expenses
  • Monitor employee spending

The bottom line

The right business credit card can be a big help to your business, whether that be through earning miles you can redeem for travel, earning cash back or providing perks that make your job easier. But before you apply, do your homework. There are numerous business cards on the market, and some will be a better fit for your business’s needs than others.

And remember — your business card can affect your personal credit if you fall behind on payments. Make sure to practice good credit habits, and if you issue business cards to your employees, educate them on responsible credit card usage too.


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