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 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 annual fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
- The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
- Brex Card: Best for startups with venture backing.
- 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.
- Ramp Card: Best for corporate card (no personal guarantee).
- 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.
- 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.
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 annual fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more).
- The Blue Business® Plus Credit Card from American Express: Best business card for new businesses.
- Brex Card: Best for startups with venture backing.
- 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.
- Ramp Card: Best for corporate card (no personal guarantee).
- 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.
- 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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 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 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 |
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 |
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 | $99 | 1x-2x Miles | 100,000 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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 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 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 |
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 |
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 | $99 | 1x-2x Miles | 100,000 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 |
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 |
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 |
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
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 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
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
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
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
Welcome offer + annual travel credit
Capital One Venture X Business
on Capital One's website
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 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
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
View Rates & Fees
Our pick for
Businesses with annual spend below $50K
The American Express Blue Business Cash™ Card
on American Express' website