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.
- 250+ small-business products reviewed and rated by our team of experts.
- 95+ years of combined experience covering small-business and personal finance.
- Objective comprehensive business credit card ratings rubric (Methodology).
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.
- 250+ small-business products reviewed and rated by our team of experts.
- 95+ years of combined experience covering small-business and personal finance.
- Objective comprehensive business credit card ratings rubric (Methodology).
Here are the best business credit cards from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash-back business credit card | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Businesses with annual spend below $50K | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Up to 5% cash back in bonus categories | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for Business card for new businesses | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Business charge card for heavy spenders | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.7/5 Best for Cash back boost (up to 75% more) | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Bonus categories that sync with your spending | $375 | 1x-4x Points | 70,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Travel points + welcome offer | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 5.0/5 Best for Airport lounge access + travel credits | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Premier® Credit Card Apply now on Chase's website | 5.0/5 Best for No preset spending limit | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Welcome offer + annual travel credit | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Travel rewards (flat-rate) | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee business travel card | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Fair credit | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Unlimited 1.5% cash back | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Intro APR period (purchases and balance transfers) | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Hotel business card | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline business credit card | $0 intro for the first year, then $99 | 1x-2x Miles | 75000 Miles | Apply now on Chase's website |
Brex Card Apply now on Brex's website | 3.1/5 Best for Startups with venture backing | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for 4X points on travel (up to $150K) | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
First National Bank Business Edition® Secured Mastercard® Credit Card | Best for Best for Secured business cards | $39 | N/A | N/A | |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash-back business credit card | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Businesses with annual spend below $50K | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Up to 5% cash back in bonus categories | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for Business card for new businesses | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Business charge card for heavy spenders | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.7/5 Best for Cash back boost (up to 75% more) | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Bonus categories that sync with your spending | $375 | 1x-4x Points | 70,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Travel points + welcome offer | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 5.0/5 Best for Airport lounge access + travel credits | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Premier® Credit Card Apply now on Chase's website | 5.0/5 Best for No preset spending limit | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Welcome offer + annual travel credit | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Travel rewards (flat-rate) | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee business travel card | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Fair credit | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Unlimited 1.5% cash back | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Intro APR period (purchases and balance transfers) | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Hotel business card | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
United℠ Business Card Apply now on Chase's website | 5.0/5 Best for Airline business credit card | $0 intro for the first year, then $99 | 1x-2x Miles | 75000 Miles | Apply now on Chase's website |
Brex Card Apply now on Brex's website | 3.1/5 Best for Startups with venture backing | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for 4X points on travel (up to $150K) | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
First National Bank Business Edition® Secured Mastercard® Credit Card | Best for Best for Secured business cards | $39 | N/A | N/A |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
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
- 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
Businesses with annual spend below $50K
The American Express Blue Business Cash™ Card
on American Express' website
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
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
- 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
The Blue Business® Plus Credit Card from American Express
on American Express' website
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
Capital One Spark Cash Plus
on Capital One's website
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- 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 $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
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
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
American Express® Business Gold Card
on American Express' website
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 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *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
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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
The Business Platinum Card® from American Express
on American Express' website
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 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your 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