8 Excellent Small Business Credit Cards of 2026

Your business may be small, but your credit card rewards don't have to be. Check out these business credit cards, some of which are from our partners, to find better bonuses and rewards. Compare these deals, some of which are from our partners, to find the one for you.

Ink Business Unlimited® Credit Card

5.0

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Ink Business Unlimited® Credit Card

5.0

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

The Blue Business® Plus Credit Card from American Express

4.4

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

High rewards rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

The Blue Business® Plus Credit Card from American Express

4.4

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

High rewards rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

Ink Business Cash® Credit Card

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Cash® Credit Card

4.7

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

The American Express Blue Business Cash™ Card

4.5

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

Pros

High cash-back bonus rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

The American Express Blue Business Cash™ Card

4.5

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

Pros

High cash-back bonus rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

Capital One Spark Cash Plus

4.8

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

4.8

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

The Business Platinum Card® from American Express

5.0

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

As High As 300,000 Points. Find Out Your Offer.

Points

Apply now

on American Express' website

Rates & Fees

Pros

Lounge membership
Transfer partners
Automatic elite status
Annual statement credit for travel, business expenses
New cardholder bonus offer

Cons

High annual fee
Low ongoing rewards rate

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

Rates & Fees

The Business Platinum Card® from American Express

5.0

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

As High As 300,000 Points. Find Out Your Offer.

Points

Apply now

on American Express' website

Rates & Fees

Pros

Lounge membership
Transfer partners
Automatic elite status
Annual statement credit for travel, business expenses
New cardholder bonus offer

Cons

High annual fee
Low ongoing rewards rate

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

Rates & Fees

Ramp Card

4.7

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$1,000

Apply now

on Ramp's website

Pros

Card-level spending controls
Automatic receipt matching and expense categorization
Integrates with common business tools
No personal guarantee or credit check

Cons

Reward rate varies by customer and is determined by Ramp
Customer support relies heavily on automation
Paid subscription required to get full suite of features, integrations
Minimal support for global teams
Not available to sole proprietors

Ramp Card

4.7

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$1,000

Apply now

on Ramp's website

Pros

Card-level spending controls
Automatic receipt matching and expense categorization
Integrates with common business tools
No personal guarantee or credit check

Cons

Reward rate varies by customer and is determined by Ramp
Customer support relies heavily on automation
Paid subscription required to get full suite of features, integrations
Minimal support for global teams
Not available to sole proprietors

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