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Business Credit Cards
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See offers from our partners below.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Intro Purchase APR 0% Intro APR on Purchases for 12 months, then 17.49% - 25.49% Variable
- Sign-Up Bonus 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.
- Cash Back Rewards Earn 5% cash back in select business categories
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Visa®
- Intro Purchase APR 0% Intro APR on Purchases for 12 months, then 17.49% - 25.49% Variable
- Sign-Up Bonus 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.
- Cash Back Rewards Earn 5% cash back in select business categories
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Visa®
Highlights
- 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
- 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
See additional details for Ink Business Cash® Credit Card
- Sign-Up Bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn unlimited 1.5% cash back on every purchase made for your business
- Rates & Fees $0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.49% - 23.49% Variable.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn unlimited 1.5% cash back on every purchase made for your business
- Rates & Fees $0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.49% - 23.49% Variable.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- 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
See additional details for Ink Business Unlimited® Credit Card
- Intro and Regular APR 0% on purchases for 12 months from date of account opening, then 17.49% - 27.49% Variable
- Rewards Rate Earn 2X 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 and limitations apply.
- Flexible Spending Enjoy the flexibility to put more purchases on the Card
- Annual Fee No annual fee
- Credit Needed Good / Excellent
- Card Brand American Express
- Intro and Regular APR 0% on purchases for 12 months from date of account opening, then 17.49% - 27.49% Variable
- Rewards Rate Earn 2X 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 and limitations apply.
- Flexible Spending Enjoy the flexibility to put more purchases on the Card
- Annual Fee No annual fee
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- 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, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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 and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
See additional details for The Blue Business® Plus Credit Card from American Express
- Rewards Rate 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
- Sign-Up Bonus $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- APR 17.49% - 23.49% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
- Sign-Up Bonus $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- APR 17.49% - 23.49% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Mastercard®
Highlights
- Earn a $500 bonus when you spend $4,500 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's travel booking site
- 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
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Spark Cash Select
- Rewards Rate 2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Sign-Up Bonus Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
- APR 25.24% (Variable) on purchases and balance transfers
- Annual Fee $0 intro for first year; $95 after that
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Rewards Rate 2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Sign-Up Bonus Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
- APR 25.24% (Variable) on purchases and balance transfers
- Annual Fee $0 intro for first year; $95 after that
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- 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, vacation rentals and rental cars booked through Capital One's travel booking site
- 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Spark Miles for Business
- Intro Purchase APR 0% on purchases for 12 months from date of account opening then 17.49% - 27.49% Variable
- Rewards Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
- Welcome Offer Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Annual Fee No annual fee
- Credit Needed Good / Excellent
- Card Brand American Express
- Intro Purchase APR 0% on purchases for 12 months from date of account opening then 17.49% - 27.49% Variable
- Rewards Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
- Welcome Offer Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Annual Fee No annual fee
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- 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, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
See additional details for The American Express Blue Business Cash™ Card
- Welcome Offer Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Rewards Rate Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each month on the first $150,000 in combined purchases each calendar year (then 1X thereafter). 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. Terms apply.
- Extra Perks No foreign transaction fees & many helpful business tools*
- Annual Fee $375
- Credit Needed Good / Excellent
- Card Brand American Express
- Welcome Offer Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Rewards Rate Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each month on the first $150,000 in combined purchases each calendar year (then 1X thereafter). 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. Terms apply.
- Extra Perks No foreign transaction fees & many helpful business tools*
- Annual Fee $375
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
See additional details for American Express® Business Gold Card
- Welcome Offer Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- Travel Benefits Complimentary access to over 1000+ airport lounges*
- Extra Perks Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*
- Annual Fee $695
- Credit Needed Good / Excellent
- Card Brand American Express
- Welcome Offer Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- Travel Benefits Complimentary access to over 1000+ airport lounges*
- Extra Perks Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*
- Annual Fee $695
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- 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 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
See additional details for The Business Platinum Card® from American Express
- Sign-Up Bonus Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Travel Benefits Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- Foreign Transaction Fee $0
- Annual Fee $195
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Travel Benefits Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- Foreign Transaction Fee $0
- Annual Fee $195
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- 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
See additional details for Ink Business Premier® Credit Card
- Sign-Up Bonus Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
- Bonus Perks Points are worth 25% more when you redeem for travel through Chase Travel℠
- Annual Fee $95
- Credit Needed Excellent
- Card Brand Visa®
- Sign-Up Bonus Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
- Bonus Perks Points are worth 25% more when you redeem for travel through Chase Travel℠
- Annual Fee $95
- Credit Needed Excellent
- Card Brand Visa®
Highlights
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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
See additional details for Ink Business Preferred® Credit Card
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Rewards Rate N/A
- No Fees No application, annual or draw fees
- Annual Fee N/A
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Rewards Rate N/A
- No Fees No application, annual or draw fees
- Annual Fee N/A
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
Highlights
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
- Rated Excellent on Trustpilot with 800+ reviews
See additional details for Revenued Business Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Compare the Best Business Credit Cards
Business credit cards are tailored toward those who own small businesses, operate or manage a small or large business, and those who use credit cards to make business purchases. You can essentially charge any kind of business expense: buying inventory, paying for travel, gas, entertaining of clients, or office supplies.
The best business credit cards will be those with the most perks and benefits that you’ll actually take advantage of on a regular basis, so study those carefully to make sure that they are a good match for your spending habits and routine card usage. When reviewing offers, always weigh the perks and features against the interest rate and any annual fee or other charges that the card carries. Sometimes owning a card for your business can be useless from a benefit standpoint if they aren’t used on a routine basis.
Business credit cards also offer many features and tools to help you run your business, manage your budget, track your expenses, stay on top of your taxes and tax deductible expenses, and save time and extra labor when dealing with card related finances. Make sure to inquire about these business credit card tools and online account features that are often provided for free by some of the best card issuers.
Comparing Popular Business Credit Card Brands for Small Businesses Like Yours
Visa, MasterCard, Amex (American Express), Discover, and many other credit card companies offer credit cards for small businesses. The key to selecting one is to think about where you do most of your shopping. Visa small business credit cards are fairly universal, but they are not accepted at Sam's Club. If you have to go there to do a lot of your supply shopping, you may prefer a MasterCard small business credit card. Assess the interest rates and rewards that each credit card company has to offer before settling on the right one for you.
