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Start earning rewards your business can use today.
Using the right business credit card is a smart move that can boost your bottom line with cash-back, airline rewards, or get 0% intro APR financing to help your business grow.
We’ve done the research, these are the best business credit cards of 2020. Read our reviews below. We make it easy to find the right card to grow your business!
Best for: Generous sign-up bonus. Industry-leading cash back rate on popular business category spending with $0 annual fee.
Sign-up bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Key benefits: The Ink Business Cash℠ Credit Card dazzles with its first-rate cash back rewards on popular business spending categories. This card is a great match if your business spends money on office supplies, phone or internet services.
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.
If your business needs new equipment or there is a big inventory purchase looming, this card offers a long 0% intro APR rate of 0% for 12 months. That gives you breathing room to carry your balance interest free for a lengthy period of time.
Who should apply: The simplicity and strong cash-back rewards make this card a great partner for your business if you don’t want an annual fee and you buy items in these categories.
Best for: Financing purchases with long 0% intro APR and option to spend above your credit limit.
Sign-up bonus: N/A
Key benefits: 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.
If you face a cash flow crunch, this card offers one of the longest 0% intro APR periods on both purchases and balances transfers. Get intro APR 0% for 12 Months on purchases then 14.74% - 20.74% variable APR. Stop high interest charges from piling up when you transfer your balance to this card with intro APR 0% for 12 months on balance transfers then 14.74% - 20.74% variable APR. Get all this for $0 annual fee.
Who should apply: If you want to save on interest you can keep more of your money with this card. Plus, earn valuable points you can redeem in more than a thousand ways. Redeem for gift cards, book travel, pay with points at checkout or cover your card charges with Membership Rewards®.
Best for: A rare find: 2% cash back on every purchase, every day.
Sign-up bonus: 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 This card comes with one of the best cash sign-up bonuses available.
Key benefits: In our view, this is the best flat-rate cash back card. You will earn unlimited 2% cash back for your business on every purchase, everywhere on top of a significant cash sign-up bonus. Rewards won't expire for the life of the account. Redeem your cash back for any amount. Get quarterly and year-end summary reports on your spending. That could simplify paperwork at tax time. Get cards for your employees at no additional cost and watch your rewards pile up even faster from their business spending. As a business owner, you already have enough to think about. Ditch the hassle bonus spend categories and annoying rewards caps with this card.
The annual fee is $0 intro for first year; $95 after that.
Best for: Big cash sign-up bonus, unlimited 1.5% cash back.
Sign-up bonus: Enjoy one of the biggest cash sign-up bonuses available. Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Key benefits: Don't want to worry about spending in bonus rewards categories? Earn unlimited 1.5% cash back on every purchase made for your business
If you need to float some purchases interest-free, this card comes with intro APR 0% for 12 Months on purchases then 14.74% - 20.74% variable APR. Get employee cards at no additional cost.
Who should apply: This card stands out from other flat-rate cash back cards with its generous sign-up bonus. If you want to earn extra cash-back for your business, this high-paying $0 annual fee card is a winner.
Best for: Best cash back rate on gas, plus a high rate on other business spending with $0 annual fee.
Sign-up bonus: Start with a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening, which is a relatively low spend target to get the sign-up bonus.
Key benefits: If your business spends at gas stations, office supply stores and restaurants, this card can generate significant cash rewards.
The 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. can add up fast. The high annual cap makes this an especially valuable card for business owners who drive for work, have a fleet of vehicles, or buy a lot of office supplies.
This card comes with intro APR 0% for 9 billing cycles, then 13.74% - 23.74% Variable APR.
Who should apply: If you drive for work, or run a business with multiple vehicles that you are filling with gas, pump up cash rewards with this card. Other cards also offer gas station and office supply rewards. But, Bank of America® Business Advantage Cash Rewards Mastercard® credit card towers above the crowd with its massive annual cap on combined gas station and office supply purchases. If your small business spends big in these categories, you could earn over three times as much cash back with this card due to the high annual cap.
Best for: Unlimited 1.5% cash back, no annual fee.
Sign-up bonus: One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Key benefits: You could earn thousands of dollars in cash back each your to pile back into your business. From client dinners to inventory purchases and everything in between. You'll earn a generous 1.5% cash back on every purchase. You’ll never have to fret about rewards caps or special spending categories with this card.
There is intro APR of 0% on purchases for 9 months with $0 annual fee. Rewards won't expire for the life of the account. Get employee cards for no additional cost and earn rewards on their business spending too!
Who should apply: If you want unlimited cash back on everything you buy and don’t want to pay an annual fee, this is a perfect match for you.
Best for: Watch your miles add up fast when you earn 2 miles per $1 on every purchase, everywhere.
Sign-up bonus: Get a 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..
Key benefits: Take flight fast with the impressive mileage earning rate on everything you buy with this card. Start packing unlimited 2 miles per $1 on every purchase, everywhere. Your Miles won't expire for the life of the account and there are no categories to track. Fly on any airline, anytime with no blackout dates or seat restrictions. The annual fee is $0 intro for first year; $95 after that.
Who should apply: If you want to earn miles on your business spending, this is an easy-to use card with flexible miles redemption. If you fly internationally, this card is a perfect match with no foreign transaction fees.
Best for: Big buying power and flexible payment options.
Sign-up bonus: None.
Key benefits: Paying early pays off with this card. Get a 1.5% discount when you pay early, with no cap on what you can earn back.
The unique features on this card help businesses with unpredictable cash flow. Take up to 60 days to pay with no interest, if you pay your minimum due. Take advantage of new opportunities as they arise for your business with this charge card. That means you get big buying power with no pre-set spending limits. The annual fee is $0 introductory annual fee your first year, then $250. Get additional employee cards at no annual fee, along with an early pay discount on employee spending. No foreign transaction fees.
Who should apply: If you want financing flexibility, this card comes with generous terms. Take up to 60 days to pay with no interest, if you pay your minimum due. That gives your business real wiggle room if you are waiting for invoices to be paid.