The 9 Best Visa Business Cards of 2020

The best Visa business credit cards will give you access to universal card securities on top of their card-specific perks.

Visa Business Cards: What You Need to Know

If you’re looking for the best credit card for your business, you’re probably considering which bank you’d prefer to work with—Chase, Bank of America, Capital One—the possibilities are virtually endless. This being said, however, what you might not have thought about is the credit card network, in other words, the entity that controls where business credit cards (or personal credit cards for that matter) are accepted and works with the banks to actually issue cards.

Although the rewards system, fees, and other similar credit card features will be determined by the credit card issuer, aka, the bank, you’ll also receive benefits specific to the network that produces your card. Therefore, as you explore your business credit card options, you’ll want to pay attention to the network behind any particular card.

With this in mind then, you might consider the best Visa business cards—after all, Visa is accepted at millions of locations around the world and offers some of the top protections and tracking tools for business owners.

What are the best Visa business credit cards? And, what are the Visa business card benefits?

We’re here to help answer those questions. We’ll break down some of the best Visa business cards (which are, in fact, some of the best business credit cards on the market), explain everything they have to offer, as well as discuss how Visa business cards stand out amongst cards on other networks—so that you have all of the information you need to decide which credit card is right for your business.

Best Visa Business Cards for 2020

  • Ink Business Preferred℠ Visa Credit Card
  • Capital One® Spark® Miles Select Visa for Business
  • Capital One® Spark® Miles Visa for Business
  • Ink Business Cash℠ Visa Credit Card
  • Capital One® Spark® Cash Visa for Business
  • Ink Business Unlimited℠ Visa Credit Card
  • Capital One® Spark® Cash Select Visa for Business
  • Capital One® Spark® Classic Visa for Business
  • Bento for Business Visa® Debit Card
  • Co-Branded Visa Business Cards

Ink Business Preferred℠ Visa Credit Card

Credit Card

Ink Business Preferred® Credit Card

Great For: Point redemption rewards
Apply Now
on Chase's secure website
  • 100,000 point signup bonus if you spend $15K in first 3 months
  • 3x or 1x points depending on how you spend
  • Intro APR

    -

  • Regular APR

    15.99%-20.99% Variable

  • Annual Fee

    $95

  • Minimum Credit

    700+

To start, you might consider one of the best Visa business credit cards for travel—the Chase Ink Business Preferred. This Visa business card is issued, as per the name, by Chase, and is one of three cards in the Chase Ink suite, all of which are Visa Signature Business cards—the top tier level of business cards offered by Visa (as we’ll explain in greater detail below).

So, what does the Chase Ink Preferred have to offer your business?

First, this is one of the best signup bonus credit cards out there—giving you the opportunity to earn 100,000 rewards points after you spend $15,000 in the first three months of card membership. If you redeem these points for travel through Chase’s online portal, Chase Ultimate Rewards, they’ll be worth $1,250.

In addition to this sizable welcome bonus, the Ink Preferred business card also includes an impressive ongoing rewards program. For your everyday spending on this card, you’ll earn:

  • 3x rewards points per dollar on the first $150,000 spent annually in combined purchases on:
    • Travel
    • Shipping purchases
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1x rewards points per dollar spent anywhere else, with no limit on the amount you can earn

Moreover, this Visa business credit card will have no foreign transaction fees, offers free employee cards, and allows you to redeem your points for travel, cash back, gift cards, and more. Your points will never expire as long as your account is open—and, if you redeem them for travel through Chase Ultimate Rewards, they’re worth 25% more.

With all of these perks, though, the Ink Preferred does have an annual fee of $95.

But, as a Visa Signature Business card, you’ll also receive top Visa-specific benefits like purchase security and extended protection, travel and emergency assistance services, lost luggage reimbursement, roadside dispatch, travel accident insurance, as well as exclusive savings, event access, and expense tracking tools.

Therefore, if you’re looking for the best Visa credit card for your business—and would prefer an emphasis on high-earning travel rewards, plus a significant welcome bonus—the Ink Preferred is going to be one of your top options.

Capital One® Spark® Miles Select Visa for Business

Perhaps you’d prefer a business credit card for travel, but don’t want to pay an annual fee. In this case, you might look into the Capital One Spark Miles Select card, which like the Ink Preferred, is a Visa Signature Business card.

With this business Visa credit card, though, you’ll have no annual fee, and you’ll earn a flat 1.5% miles on every dollar you spend, wherever you spend. There will be no limit on the number of miles you can earn and your miles won’t expire for the life of your account. Additionally, you’ll be able to redeem your miles for any travel-related purchases including flights, hotels, and ride-sharing services. Plus, you’ll earn 5x miles when you book a hotel or rental car through Capital One travel using your card.

Moreover, the Spark Miles Select includes a welcome bonus of 20,000 miles when you spend $3,000 within your first three months with the card. This Visa business card also has no foreign transaction fees, offers free employee cards (that earn unlimited 1.5x miles on purchases as well), and allows you to save on interest with a nine-month 0% intro APR period. During this time, you’ll be able to carry a balance from purchases on your card interest-free; however, when the nine-months are up, you’ll receive an APR that will vary based on the market Prime Rate and your creditworthiness.

This being said, the Miles Select also includes all the perks of a Visa Signature Business card—purchase protections, travel assistance and reimbursements, roadside dispatch and emergency assistance services, zero-liability coverage, expense tracking tools, and more.

Overall, the Spark Miles Select will definitely be one of your best options for a business Visa credit card with no annual fee and travel-specific rewards.

Capital One® Spark® Miles Visa for Business

If you are willing to pay an annual fee for a travel card, but you’d prefer a flat-rate rewards business credit card, you might consider the Capital One Spark Miles card. The Spark Miles, like the Spark Miles Select, is a Visa Signature Business card, and the two cards have inherent similarities.

Whereas the Spark Miles Select earns 1.5x miles for every dollar spent, though, the Spark Miles earns 2x miles. You’ll earn 2x miles on all purchases, with no limits or restrictions. Additionally, your miles will never expire as long as your account is open, and you’ll be able to redeem them for travel purchases such as flights, hotels, and ride-sharing services. Moreover, like the Spark Miles Select, the Spark Miles offers 5x miles on hotel and rental car bookings through Capital One Travel when you use your card.

Plus, this Visa business card gives you the opportunity to earn a sizable welcome bonus—200,000 miles—10x more than the welcome bonus of the Spark Miles Select card. If you spend $5,000 within your first three months with this card, you’ll earn 150,000 bonus miles, and when you spend $50,000 in the first six months with the card, you’ll earn an additional 50,000 bonus miles.

The Spark Miles card also has no foreign transaction fees and offers a statement credit for either the TSA precheck application fee, or the Global Entry application fee. Although this business Visa credit card does have an annual fee of $95, Capital One will waive the fee for your first year of membership.

Finally, as a Visa Signature Business card, the Spark Miles, like the Ink Preferred and Spark Miles Select, includes travel and emergency assistance services, lost luggage reimbursement, travel accident insurance, roadside assistance, zero-liability coverage, purchase protection, and more.

Ink Business Cash℠ Visa Credit Card

Credit Card

Ink Business Cash® Credit Card

Great For: Typical business expenses
Apply Now
on Chase's secure website
  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
  • Intro APR

    -

  • Regular APR

    13.24% - 19.24% Variable

  • Annual Fee

    -

  • Minimum Credit

    660-699

Interested in a Visa business credit card with a competitive cash back rewards program? If so, you might look into the Chase Ink Business Cash card.

With this Chase business credit card, you have the opportunity to earn a $500 cash back bonus if you spend $3,000 in the first three months.

Additionally, you’ll receive ongoing rewards based on where you spend, earning:

  • 5% cash back on the first $25,000 spent annually in combined purchases:
    • At office supply stores
    • On phone, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually in combined purchases at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases with no limits on how much you can earn

Moreover, unlike the Ink Preferred, this business Visa credit card has no annual fee and it offers one of the longest 0% intro APR periods on the market. You’ll be able to carry a balance from purchases on your Ink Cash card for the first 12 months after you open your account, interest-free. After the 12 months are up, however, your APR will set in at a rate that will vary with the market Prime Rate and your creditworthiness.

Plus, like the Ink Preferred, the Ink Cash is a Visa Signature Business card—meaning you’ll receive all of the same protections, business services, travel assistance, and other perks.

Ultimately, the Chase Ink Cash card is going to be one of the best Visa credit cards for your business if you’re looking to earn cash rewards catered toward typical business purchases, as well as take advantage of no annual fee and a long 0% intro APR.

Capital One® Spark® Cash Visa for Business

Would you prefer a Visa business credit card that earns flat-rate cash back, regardless of where you spend? If you do, the Capital One Spark Cash card might be right for you.

With this Visa business card, you’ll earn an unlimited 2% cash back on every purchase, with no limits—making this one of the best cash back business credit cards out there. Additionally, you have the potential to earn up to $2,000 as a welcome bonus with the Spark Cash. This card has a $500 signup bonus when you spend $4,500 in the first three months. Plus, Capital One will waive this card’s annual fee for your first year with the card

Moreover, all of the cash back you earn will never expire as long as your account is open and you can redeem the cash back you earn in any amount. On top of these perks, the Spark Cash offers free employee cards that also earn an unlimited 2% cash back on all purchases, and it has no foreign transaction fees.

This being said, however, this Visa business card will have an annual fee of $95, but Capital One will waive it for your first year of membership.

Finally, like all of the cards we’ve discussed so far, the Spark Cash is a Signature Visa Business card—meaning it includes fraud protection, travel insurance, emergency assistance, savings and expense tracking tools, purchase protection, and more.

Therefore, despite its annual fee, the Spark Cash is one of the best Visa business credit cards for earning flat-rate cash back.

Ink Business Unlimited℠ Visa Credit Card

Credit Card

Ink Business Unlimited® Credit Card

Great For: Unlimited cash back and welcome bonus
Apply Now
on Chase's secure website
  • $750 welcome bonus if you spend $7,500 in first 3 months
  • 0% intro APR on purchases for first 12 months
  • Unlimited 1.5% cash back on every purchase
  • Intro APR

    -

  • Regular APR

    13.24% - 19.24% Variable

  • Annual Fee

    -

  • Minimum Credit

    660-699

For a cash back Visa business card with no annual fee, you might consider the last card in the Chase Ink suite, the Ink Business Unlimited.

With this business Visa credit card, you’ll earn an unlimited 1.5% cash back on all purchases regardless of where you spend. Additionally, if you spend $3,000 within your first three months with the Ink Unlimited, you’ll receive a $500 cash back welcome bonus.

Moreover, this Visa business credit card includes free employee cards and a 0% intro APR period for 12 months on purchases. During this time, you’ll be able to carry a credit card balance on all purchases, interest-free. Once the 12 months are up, however, a variable APR will set in based on the market and your creditworthiness.

This being said, the Ink Unlimited is also a Visa Signature Business card—which means it includes all the perks we’ve discussed thus far—from travel insurance and assistance to purchase protections to expense tracking and other business tools.

Overall, although the Ink Unlimited doesn’t earn quite as much as the Spark Cash, this Visa business card will be one of your best cash back options with no annual fee, plus, one of the longest 0% intro APR periods on the market.

Capital One® Spark® Cash Select Visa for Business

On the other hand, for a Capital One issued alternative to the Chase Ink Unlimited, you might look into the Spark Cash Select.

This Visa business credit card earns a flat 1.5% cash back on every purchase regardless of where you spend. Like all the other Capital One Spark business cards, there is no limit on the rewards you can earn and your rewards won’t expire as long as your account is open. Plus, with this card, you’ll be able to redeem your cash back in any amount.

In addition, if you spend $3,000 within your first three months with the Spark Cash Select, you’ll earn a $200 cash back welcome bonus. Moreover, this Visa business card offers free employee cards, which all earn an unlimited 1.5% cash back on purchases.

The Spark Cash Select also gives you the opportunity to save on interest with a nine-month 0% intro APR period. After the nine months are up, however, a variable APR will set in based on the market Prime Rate and your creditworthiness.

This Visa business credit card has no annual fee, and unlike the Chase Ink Unlimited, no foreign transaction fees. Plus, the Spark Cash Select is a Visa Signature Business card with all of the protections, services, and perks this qualification provides.

Therefore, the Spark Cash Select is a top competitor to the Ink Unlimited—and although the Chase Ink Unlimited can offer more in many categories, the Spark Cash Select is going to be the better option if you’re looking to avoid foreign transaction fees with your business Visa credit card.

Capital One® Spark® Classic Visa for Business

So far, all of the Visa business credit cards we’ve discussed require good personal credit in order to qualify—therefore, if you need a business credit card for fair credit, you’ll want to consider the Capital One Spark Classic.

The Spark Classic will consider credit scores starting at 580, plus it offers an ongoing rewards program and no annual fee. With this Visa business card, you’ll earn 1% cash back on all purchases, with no limits or restrictions. Like the other Capital One cash back cards, your reward won’t expire for the life of your account and you can redeem your cash back in any amount. Additionally, this business Visa credit card includes free employee cards, which also earn an unlimited 1% cash back on all purchases, and has no foreign transaction fees.

Moreover, Capital One will report your history on this card to both personal and business credit bureaus—so if you spend responsibly and pay on time, you’ll be able to improve your personal credit and build your business credit.

This being said, however, this is the first Visa business card on our list that is not a Signature card. Therefore, the Spark Classic won’t offer quite as many perks from Visa. Nevertheless, this card does include purchase security and extended protection, travel and emergency assistance services, cash flow and expense tools, zero-liability protection, and auto rental collision damage coverage.

Overall, with no annual fee and an unlimited cash back rewards program, the Spark Classic is going to be the best Visa credit card for your business if you have average personal credit.

Bento for Business Visa® Debit Card

Secured Card

Bento for Business Visa® Debit Card

Apply Now
on Bento for Business's secure website
  • Instant decision
  • No credit check required
  • One-click card controls & expense reports
  • Intro APR

    -

  • Regular APR

    -

  • Annual Fee

    -

  • Minimum Credit

    -

For the ultimate control of your business’s spending, you might look into Bento for Business. Unlike the other Visa business cards on our list, Bento for Business is a Visa debit card. With a debit card as opposed to a credit card, you can use Bento for Business to control all spending, or you might use a business debit card to pay business expenses while rebuilding your personal credit with a secured card.

Whatever the reason, as a Visa business debit card, Bento for Business actually offers the same perks as a Visa business credit card. Therefore, like the Spark Classic, you’ll receive rental collision damage coverage, purchase security and protection, travel and emergency assistance services, zero-liability protection, and expense management tools.

Additionally, as a debit card, Bento will be one of your only business cards with no personal credit check required. You’ll be able to apply for Bento for Business and receive an instant decision—plus, you’ll be able to try the Bento service for free for 60 days. Moreover, if you have less than two cards, there will be no annual fee to use Bento for Business.

This Visa business card also includes automatic sync capabilities for QuickBooks, receipt capture on the mobile app, reporting, and 24/7 U.S.-based customer service.

Overall, although you can’t actually build credit with Bento for Business, this Visa business card is a great option for business owners who need a way to separate their business and personal finances while improving their personal credit on another card.

Co-Branded Visa Business Cards

Finally, although these are only nine of the numerous Visa business credit cards that are available on the market, it’s worth mentioning that some of the best co-branded cards—that is, co-branded between a retailer and a credit card issuer—are Visa business cards. Therefore, if you’re looking to maximize your rewards and spending with a certain brand, as well as receive the perks of being a Visa cardholder, you might look into some of the following co-branded cards:

  • Southwest business credit cards: Co-branded with Chase, there are two Southwest business credit cards—both of which are Visa business cards.
  • Costco business credit card: Citi Bank offers a co-branded card with Costco, the Costco Anywhere Visa Business Card by Citi, which is a Visa Signature Business card.
  • United business credit card: Also co-branded with Chase (and as shown above), the United Business credit card is a Visa Signature Business card.
  • Alaska Airlines business credit card: Co-branded with Bank of America, the Alaska Airlines card is also a Visa business card.

Is a Visa Business Card Right for You?

Get a Visa Business Credit Card If:

Considering everything we’ve covered, it’s very possible that a Visa business card is right for you. With all of the options that are available, the reason you would choose a Visa business credit card can boil down to:

  • You want to spend with one of the most widely accepted credit card networks on the market and take advantage of the perks Visa offers.

Skip These Visa Business Credit Cards If:

On the other hand, Visa is not the only credit card network, and therefore, you might explore other business credit cards if:

  • You’d prefer your credit card issuer and credit card network to be one and the same—American Express and Discover are able to offer this consolidation.
  • You find a card that’s better for your business from Bank of America, Barclays, Wells Fargo, Capital One or another bank—many of these are Mastercards and not Visas.

Choosing the Best Visa Business Card for You

At the end of the day, as the issuer behind both the Capital One Spark cards and the Chase Ink suite, there’s no doubt that Visa business cards are some of the best options on the market. Regardless of which specific card you choose, if you’re using a Visa business credit card, you know that you have certain protections, services, and perks behind you.

Therefore, to choose the best Visa credit card for your business, you’ll want to break down exactly what you’re looking for in a business credit card. Do you mind paying an annual fee? Do you need a 0% intro APR? What kind of rewards program do you prefer—cash back, points, travel-specific rewards? You’ll want to establish all of your qualifications for an ideal business credit card and then compare each particular card to see how it measures up.

Through this process, you should be able to narrow down your options, until you find the right Visa business card for you. On the other hand, if you come to find that none of the Visa business credit card options seem to fit, then you might decide to explore Amex, Discover, or cards within the Mastercard network. In this case, you can still use your business credit card requirements to determine which card out there will best fulfill your specific needs.

Frequently Asked Questions

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