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Compare the Best Business Credit Cards

Finding the best business credit card is essential for the success of your company. Read our comprehensive reviews and browse a selection of business credit cards below.

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Total Cards 123

August 09, 2018

Capital One® Spark® Miles for Business

Earn 50,000 Bonus Miles

Capital One® Spark® Miles for Business
  • Regular Purchase APR 18.49% variable based on the Prime Rate
  • Balance Transfer APR 18.49% variable based on the Prime Rate
  • Cash Advance APR 24.49% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $95
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel
  • Earn unlimited 2X miles per dollar on every purchase
  • 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
  • Rewards miles do not expire and can be redeemed without blackouts or seat restrictions
  • Additional employee cards at no cost, which also earn unlimited 2% cash back on all purchases
Rates & Fees
  • Regular Purchase APR: 18.49% variable based on the Prime Rate
  • Balance Transfer APR: 18.49% variable based on the Prime Rate
  • Cash Advance APR: 24.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 30.90% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. After that, $95
  • Late Payment Penalty Fee: Up to $39

August 14, 2018

Delta Reserve® for Business Credit Card

Earn Up to 45,000 Bonus Miles

Delta Reserve® for Business Credit Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee $550
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Complimentary Access to the Delta Sky Club & 2 Delta Sky Club one-time guest passes
  • Earn 1.5x miles per dollar after spending $150,000
  • Earn 3 miles per dollar on Delta purchases
  • Access to complimentary upgrades
  • Global Entry or TSA PreCheck fee credit
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $550
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39

August 15, 2018

Blue Business Plus Credit Card from American Express

Earn 2X Membership Rewards® Points on Purchases

Blue Business Plus Credit Card from American Express
  • Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24%, 16.24%, or 19.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • 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 each year, 1 point per dollar thereafter
  • No annual fee, and no annual fee for additional employee cards
  • Seamlessly transfer your transaction data from your American Express statement directly to your QuickBooks account
  • 0% intro APR on purchases and balance transfers for 12 months from date of account opening,
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 13.24%, 16.24%, or 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39

August 15, 2018

The Business Platinum Card®

Earn Up to 75,000 Membership Rewards® Points

The Business Platinum Card®
  • Regular Purchase APR 18.24% variable based on the Prime Rate
  • Annual Fee $595
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Get 5X Membership Rewards® points on flights and prepaid hotels
  • Receive a $200 airline fee credit each calendar year
  • 1 year of Platinum Global Access from WeWork
  • Receive 50,000 Membership Rewards® points after spending $10,000 within 3 months
  • Earn an extra 25,000 points after you spend an additional $10,000 on all purchases within 3 months
  • Get 50% more points on purchases of $5,000 or more
  • Receive 35% points back when they’re used for flights
Rates & Fees
  • Regular Purchase APR: 18.24% variable based on the Prime Rate
  • Penalty APR: 29.24% variable, based on the Prime Rate, for Pay Over Time
  • Annual Fee: $595
  • Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
  • Return Payment Penalty Fee: $39

August 15, 2018

Hilton Honors American Express Business Card

Earn 125,000 Hilton Honors Bonus Points

Hilton Honors American Express Business Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months
  • 12X points on Hilton purchases
  • 6X points at business purchases: gas stations, wireless telephone services, shipping purchases
  • 6X points on flights booked directly with airlines or Amex Travel, car rentals booked directly from select car rental
  • Complimentary Hilton Honors Gold status
  • Free Weekend Night Reward after spend $15,000 within calendar year
  • Second Weekend Night Reward from Hilton Honors after spending $60,000 within calendar year
  • 10 free visits to over 1,000 Priority Pass airport lounges every year
  • Spend $40,000 to be upgraded to Diamond status
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39

August 28, 2018

The Plum Card® from American Express

1.5% Early Pay Discount

The Plum Card® from American Express
  • Annual Fee $0 for the first year. After that, $250
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Receive 1.5% discount when you pay your bill within 10 days of your statement closing date
  • Up to 60 days to pay with no interest
  • Choose whether to receive your bill at the beginning, middle, or end of the month
  • Annual fee waived the first year
  • No preset spending limit
  • Employee Plum Cards for no additional fee
Rates & Fees
  • Annual Fee: $0 for the first year. After that, $250
  • Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater
  • Return Payment Penalty Fee: $39

August 28, 2018

Ink Business Preferred Credit Card

Earn 80,000 Bonus Points

Ink Business Preferred Credit Card
  • Regular Purchase APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 3X points per dollar on travel, shipping purchases, Internet, cable and phone services, and more (up to $150,000 per year)
  • 1X points per dollar spent on all other purchases
  • Earn 80,000 bonus points after spending $5,000 in the first 3 months
  • Redeem points through Chase Ultimate Rewards for an added 25% in value
  • No additional cost for issuing employee cards
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 17.49% to 22.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39

August 28, 2018

Ink Business Cash Credit Card

$500 Bonus Cash Back

Ink Business Cash Credit Card
  • Regular Purchase APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores, Internet, and cable and phone services every account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and dining; Earn 1% unlimited cash back on all other purchases
  • 0% Intro APR on purchases for first 12 months from opening account
  • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39

August 28, 2018

Business Advantage Cash Rewards Mastercard® Credit Card

$300 Bonus Cash

Business Advantage Cash Rewards Mastercard® Credit Card
  • Regular Purchase APR 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 9 billing cycles following the opening of your account
  • Processing Network Mastercard
Best Benefits
  • $300 statement credit bonus after spending $3,000 with 90 days
  • 3% cash back on the category of your choice
  • 2% back at restaurants
  • 1% cash back on all other purchases
  • Cash earnings never expire
Rates & Fees
  • Intro Purchase APR: 0% for the first 9 billing cycles following the opening of your account
  • Regular Purchase APR: 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 25.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 3% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $49
  • Return Payment Penalty Fee: $39

August 28, 2018

Ink Business Unlimited Credit Card

Earn $500 Bonus Cash Back

Ink Business Unlimited Credit Card
  • Regular Purchase APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 12 months from the date of account opening
  • Processing Network Visa
Best Benefits
  • Earn unlimited 1.5% cash back on all purchases made for your business
  • Pay no interest on purchases for the first 12 months from the date you open your account and issue additional cards for your employees at no cost
  • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
  • Redeem cash back rewards for gift cards, travel purchases, and more through Chase Ultimate Rewards®
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months from the date of account opening
  • Regular Purchase APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 14.74% to 20.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39

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What is a Business Credit Card?

business credit card, like a personal card, is a line of revolving credit that comes with an annual interest rate on outstanding balances. These come in all shapes and sizes too, with various features and the possibility to earn rewards for spending. 

Unlike a personal card, however, a business card is designed specifically for business owners and their employees. This means the eligibility requirements, application process, features, credit limits, and the even rewards are laid out a little differently.  

How Do Business Credit Cards Work? 

Business credit cards work like personal cards, with a few key differences – namely, how they use and affect credit. When consumers apply for a business card, they do so for several reasons, including to: 

  • Keep personal and company finances separate 
  • Track business expenses 
  • Access more spending power  
  • Take advantage of business-centric perks not available with personal cards 
  • Establish and build up business credit 

Activity on most business credit cards gets reported to commercial credit bureaus instead of, or in addition to, consumer credit bureaus. This allows you to establish a credit score for your business, which may be used to obtain financial products, determine vendor terms, and qualify for a business loan. 

Whether or not you already have business credit is also an important factor in the application process for one of these cards. This is where the difference between cards for corporations and cards for small businesses come into play. 

Corporate vs Small Business Credit Cards 

A corporate credit card – sometimes referred to as a commercial card – is meant for larger companies that already have an established credit history and revenue stream. This allows issuers to rely on the corporation’s credit score to determine creditworthinessMeanwhile, credit cards for small businesses often rely on the owner’s personal credit score – particularly if no business score is available. 

This distinction is important, because it determines who is responsible for debt repayment in the event that the account goes into default. On a corporate card, the company assumes responsibility, which means only the business score takes a hit.  

Alternately, small business cards require business ownerto sign a personal guarantee they will repay any debt. This means that in the face of bankruptcy or delinquency, the owner’s personal credit score can be affected.  

Note: Though delinquencies on a business card may affect a consumer credit score, positive credit behavior generally does not. This depends on whether the issuer reports such activity to both consumer and commercial credit bureaus. 

How to Get a Business Credit Card 

The basic components of getting a business credit card mirror those of personal cards (i.e. submitting an application and undergoing a credit check). However, who can qualify and the requirements to apply differ between these processes. Not just anyone can receive this type of credit card – specifically, you need to own some type of business and be prepared to provide proof when you apply 

However, you aren’t limited to businesses in the traditional sense. You can also qualify as a sole proprietor, if you fall into categories like: 

  • Independent contractor/freelancer 
  • Online seller 
  • Consultant 
  • Tutor 

What Are the Requirements for a Business Credit Card? 

Whether you qualify as a corporation, partnership, LLC, or sole proprietor will determine the information you need to provide on the application. As a formal business, you would use a federal tax ID number or Employer Identification Number (EIN).  

Meanwhile, you would provide your own Social Security Number as a sole proprietor. The issuer will also require information about the business. This includes but is not limited to the business’s: 

  • Name (which could be just your name) 
  • Structure and number of employees 
  • Industry 
  • Annual revenue and expenses 
  • Address and phone number 

Standout Features of the Best Business Credit Cards 

In addition to low APRs and fees, there are plenty of perks unique to business credit cards that you’ll want to look out for. One common feature are the business-centric bonus categories on everything from travel and office supplies to advertising and internet access. You’ll also want to look out for benefits like free employee cards and finance management tools.  

To learn more about the basics of business cards, check out our full-length guide for this card category. Meanwhile, you can find some of the top business credit card options below.  

Best Business Credit Cards for Travel 

Companies that frequently rely on travel to conduct business can earn major rewards and discounts with the right business travel card. This is particularly true for those who tend to travel with the same airlines, as airline-branded cards offer even more perks for customer loyalty.  

Yet even non-cobranded cards like the Capital One® Spark® Miles for Business can amass miles pretty quickly. This card is well known for its massive signup bonus opportunities  sometimes offering up to 200,000 miles in the first few months for those who meet the spending requirements. Plus, all eligible purchases earn a minimum of 2X miles, with even more for travel booked through Capital One Travel. 

Best Cash Back Business Credit Cards 

Cash back credit cards for business can vary widely, giving you plenty of room to find one with categories that fit your expenses. For example, you might elect to save more on the essentials, like computer hardware, software and other office supplies. If your business has more particular spending habits, you can find cards that offer cash back on: 

  • Advertising 
  • Shipping 
  • Cable 
  • Amazon purchases 

The U.S. Bank Business Cash Rewards Elite Mastercard, for instance, earns cash back aoffice supply stores, gas stations, and with cell phone providers. For an extra boost, you can earn a hefty cash back bonus as a new cardholder, as well as up to $250 every year on your account anniversary.  

Best Credit Cards for Startups 

If your business is still in the startup phase, it may be worthwhile to apply for a card that offers a nice signup bonusThe upfront costs you pay to launch your business can help you knock out any spending requirement to activate those extra rewards.  

The Ink Business Cash Credit Card from Chase easily comes to mind as a solid option for brand new businesses. On top of bonus rewards for office supplies, gas, dininginternet, cable and phone services, you also get a $500 credit when you spend a certain amount. Plus, the long 0% intro APR can help shoulder your startup costs interest-free while you grow your revenue. 

Small Business Credit Cards for Bad Credit 

Since your business credit card may be tied to your personal credit, it can be difficult to get approved with a poor score. In that case, you might consider starting with a secured business credit card instead. With the right offer, you won’t even notice that your account is secured by a deposit. 

For example, the Wells Fargo Business Secured Credit Card can help you build business credit with a security deposit as low as $500 or as high as $25,000Plus, you’ll get access to rewards, up to 10 free employee cards, and online management tools. 

How to Choose the Right Credit Card for Your Business 

From new business cards to recurring favoritesthere are dozens of offers to sift through. We make sure to offer unbiased reviews so you can make the right decision for your budding business. If you need a little more guidance, check out our news and resources for additional credit card insights. Search for the best business credit card to grow your company today!