Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
- Best cash-back business card:Ink Business Unlimited® Credit Card.
- Best business travel card: Capital One Venture X Business.
- Best business card for intro APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
🤓 Nerdy Tip
You can get a business credit card without having a business. Approval largely depends on personal credit history — not business credit score, business structure or even business revenue for most cards — so even freelancers and folks with an occasional side gig can qualify.Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
- Best cash-back business card:Ink Business Unlimited® Credit Card.
- Best business travel card: Capital One Venture X Business.
- Best business card for intro APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
🤓 Nerdy Tip
You can get a business credit card without having a business. Approval largely depends on personal credit history — not business credit score, business structure or even business revenue for most cards — so even freelancers and folks with an occasional side gig can qualify.Here are the best business credit cards
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Cash-back business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Business card for new businesses The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Business charge card for heavy spenders Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 | Apply now on Capital One's website Rates & Fees |
Businesses with annual spend below $50K The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
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 | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bonus categories that sync with your spending American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points | Apply now on American Express' website Rates & Fees |
Travel points + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 | $95 | 1x-3x Points | 120,000 Points | Apply now on Chase's website |
Airport lounge access + travel credits The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
No preset spending limit Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Welcome offer + annual travel credit Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Travel rewards (flat-rate) Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 3.2/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Unlimited 1.5% cash back Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
Intro APR period (purchases) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Hotel business card Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Airline business credit card United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75000 Miles | Apply now on Chase's website |
4X points on travel (up to $150K) U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Cash-back business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Business card for new businesses The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Business charge card for heavy spenders Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 | Apply now on Capital One's website Rates & Fees |
Businesses with annual spend below $50K The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
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 | 4.4/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bonus categories that sync with your spending American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points | Apply now on American Express' website Rates & Fees |
Travel points + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 | $95 | 1x-3x Points | 120,000 Points | Apply now on Chase's website |
Airport lounge access + travel credits The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
No preset spending limit Ink Business Premier® Credit Card Apply now on Chase's website | 4.5/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Welcome offer + annual travel credit Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Travel rewards (flat-rate) Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 3.2/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Unlimited 1.5% cash back Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
Intro APR period (purchases) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Hotel business card Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Airline business credit card United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75000 Miles | Apply now on Chase's website |
4X points on travel (up to $150K) U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Cash-back business credit card
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
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
Up to 5% cash back in bonus categories
Ink Business Cash® Credit Card
on Chase's website
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
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
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
Pros
- Earns cash back on primary and employee cards
- 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 $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Businesses with annual spend below $50K
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
Cash back boost (up to 75% more)
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
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
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 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 19.49% to 28.49% 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 now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Our pick for
Travel points + welcome offer
Ink Business Preferred® Credit Card
on Chase's website
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 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
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, 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.
- 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. 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 the Card.
- $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®.
- 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
on Chase's website
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
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
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 and vacation rentals 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
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
View Rates & Fees
Our pick for
Travel rewards (flat-rate)
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, vacation rentals 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)
Brex Card
on Brex's website
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
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
Unlimited 1.5% cash back
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires 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)
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
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 $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 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
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
on Chase's website
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
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 $160 per roundtrip (terms apply), 2 United Club(SM) 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
4X points on travel (up to $150K)
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
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 corporate card (no personal guarantee).
- 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.
- 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.
Wells Fargo Signify Business Cash℠ Card
Ink Business Unlimited® Credit Card
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Capital One Spark Cash Plus
Capital One Venture X Business
United℠ Business Card
Capital One Spark Cash Select for Excellent Credit
Ink Business Preferred® Credit Card
Marriott Bonvoy Business® American Express® Card
Ink Business Cash® Credit Card
The Business Platinum Card® from American Express
The American Express Blue Business Cash™ Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Ink Business Premier® Credit Card
Capital One Spark Miles for Business
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
The Blue Business® Plus Credit Card from American Express
American Express® Business Gold Card
Brex Card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
- Annual fee.
- Welcome bonus.
- Rewards rate.
- Bonus categories.
- Intro APR period.
- Other perks and credits.
What our star ratings mean
Best business credit cards by issuer
Best business credit cards by feature
Business credit cards by interest rate
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® | 19.99 %. | 26.99 %. |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 18.99 %. | 27.99 %. |
United℠ Business Card | 21.99 %. | 28.99 %. |
Types of business credit cards
![One blue credit card with a green card behind it.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/cashback-cc-desktop.png)
![A blue credit card with a golden plane at the bottom and a palm tree at the top.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/travel-cc-desktop.png)
![Cash and coins.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/cash-coins-desktop.png)
![A green credit card.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/creditcard-desktop.png)
What is a business credit card?
Business credit cards: Benefits and drawbacks
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.
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
🤓 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
- 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.
4 tips to maximize business credit card rewards
![A person looking at a mobile phone.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/woman-device-desktop.png)
![A calculator with cash next to it.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/calculator-desktop.png)
![Cash with a green percentage sign on the top-right corner.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/cash-percent-desktop.png)
![Paper documents wrapped with a ribbon that has a checkmark on it.](https://assets.nerdwallet.com/blog/wp-content/uploads/2023/12/approved-documents-desktop.png)