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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Limited Time Offer
Best for large welcome offer
Bankrate score
4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Chase
's secure site
Intro offer
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $900 bonus cash back
Rewards Rate
Earn unlimited 1.5% cash back on every purchase made for your business
1.5%
Annual fee
$0
Regular APR
18.49% - 24.49% Variable
Why you'll like this: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.
Best for earning rewards on office expenses
Bankrate score
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Chase
's secure site
Intro offer
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 up to $750 bonus cash back
Rewards Rate
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 card purchases with no limit to the amount you can earn
1% - 5%
Annual fee
$0
Regular APR
18.49% - 24.49% Variable
Why you'll like this: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.
Best for no balance transfer fee
Bankrate score
4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(740 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Capital One
's secure site
Intro offer
$500 cash back once you spend $4,500 on purchases within the first 3 months from account opening
$500 cash back
Rewards Rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
1.5% - 5%
Annual fee
$0
Regular APR
18.49% - 24.49% (Variable)
Why you'll like this: Its flat rewards rate makes it a great fit if you want a card that offers flexibility and a low-cost balance transfer.
Best for travel perks and credits
Bankrate score
4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(740 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Capital One
's secure site
Intro offer
150,000 miles once you spend $30,000 in the first 3 months from account opening
150,000 miles
Rewards Rate
2 miles on every purchase, 5 miles on flights and vacation rentals booked through Capital One Travel, 10 miles on hotels and rental cars booked through Capital One Travel
2X miles - 10X miles
Annual fee
$395
Regular APR
N/A
Why you'll like this: This card includes practical, valuable travel perks at a reasonable cost.
Best for flexible travel redemption
Bankrate score
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Chase
's secure site
Intro offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
Rewards Rate
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 – with no limit to the amount you can earn
1X - 3X
Annual fee
$95
Regular APR
21.24% - 26.24% Variable
Why you'll like this: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.
Elevated Offer
Best for luxury travel perks
Bankrate score
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Earn 150,000 points
Rewards Rate
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. 1X points for each dollar you spend on eligible purchases.
1X - 5X
Annual fee
$695
Regular APR
19.49% - 28.49% Variable
Why you'll like this: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.
Best for annual cash bonus
Bankrate score
4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(740 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Capital One
's secure site
Intro offer
$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
$2,000 cash back
Rewards Rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
2% - 5%
Annual fee
$150
Regular APR
N/A
Why you'll like this: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.
Best for reward category flexibility
Bankrate score
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 100,000 points
Rewards Rate
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*, 1X is earned for other purchases. **
1X - 4X
Annual fee
$375
Regular APR
19.49% - 28.49% Variable
Why you'll like this: It has a high-value welcome offer and great airline transfer partners.
Best for easy rewards redemption
Bankrate score
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Capital One
's secure site
Intro offer
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 from account opening
50,000 miles
Rewards Rate
5 Miles on hotels, vacation rentals and rental cars booked through Capital One Travel, 2 Miles per $1 on every purchase, everywhere
2 Miles - 5 Miles
Annual fee
$0 intro for first year; $95 after that
Regular APR
26.24% (Variable)
Why you'll like this: You can earn rewards on any travel spending — not just bookings with a specific airline or hotel brand.
Best for large purchases
Bankrate score
3.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Chase
's secure site
Intro offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000 Cash Back
Rewards Rate
Unlimited 5% total cash back on travel purchased through Chase Travel℠, Unlimited 2.5% total cash back on purchases of $5,000 or more, Unlimited 2% cash back on all other business purchases.
2% - 5%
Annual fee
$195
Regular APR
Flex for Business Variable APR: 19.49% - 27.49%
Why you'll like this: It’s one of the only business cards that offers a boosted flat rewards rate on large purchases (with no cap).
Best for United Airlines benefits
Bankrate score
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Chase
's secure site
Intro offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 75,000 bonus miles
Rewards Rate
Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
1X - 2X
Annual fee
$0 introductory annual fee for the first year, then $99.
Regular APR
21.99% - 28.99% Variable
Why you'll like this: Its diverse mix of everyday bonus categories makes it easy to earn United miles even without spending a ton on flights.
Best for no annual fee
Bankrate score
4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn15,000Membership Rewards® points after you spend$3,000 in eligible purchases on the Card within your first3 months of Card Membership.
15,000Membership Rewards® points
Rewards Rate
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.
1X - 2X
Annual fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Why you'll like this: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.
Best for fair/subprime credit
Bankrate score
2.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(300 - 670)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Revenued
's secure site
Intro offer
Intro offer is not available for this Revenued credit card.
N/A
Rewards Rate
N/A
Annual fee
None
Regular APR
Factor Based
Why you'll like this: It charges few fees and approval is based on your business revenue, not your credit score.
Best for flat-rate cash back
Bankrate score
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months.
$250statement credit
Rewards Rate
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 1% cash back on all eligible purchases after spending $50,000 per calendar year.
1% - 2%
Annual fee
No annual fee
APR
18.49% - 26.49% Variable
Why you'll like this: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.
Best for Hilton benefit
Bankrate score
4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Earn 130,000 Bonus Points
Rewards Rate
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year. 3X on all other eligible purchases. Terms & Limitations Apply.
3X - 12X
Annual fee
$195
Regular APR
20.99% - 29.99% Variable
Why you'll like this: It offers one of the highest rewards rates you can get on Hilton stays.
Best for Bank of America customers
Bankrate score
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(740 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Bank of America
's secure site
Intro offer
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300
Rewards Rate
Earn unlimited 1.5% cash back on purchases.
1.5%
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Why you'll like this: Qualifying Preferred Rewards members can boost their rewards rate by up to 75 percent.
Best for potentially high credit limit
Bankrate score
3.5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Capital On Tap
's secure site
Intro offer
Intro offer is not available for this Capital On Tap credit card.
N/A
Rewards Rate
1.5% unlimited cashback with no annual fee
1.5%
Annual fee
$0
Regular APR
18.49% - 35.99% variable APR
Why you'll like this: It’s a streamlined, straightforward option if you’re looking to unlock purchasing power without sacrificing rewards.
Best for no foreign transaction fee
Capital One Spark Classic for Business
*The information about the Capital One Spark Classic for Business has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Bankrate score
0.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(580 - 740)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Intro offer is not available for this Capital One credit card.
N/A
Rewards Rate
Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
1% - 5%
Annual fee
$0
Regular APR
30.74% (Variable)
Why you'll like this: It’s a great starter card since it can help you build business credit even with a fair personal credit score.
Best business card for automatic bonus categories
U.S. Bank Business Leverage® Visa Signature® Card
*The information about the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Bankrate score
0.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Earn $750 when $7,500 is spent within the first 120 days on the account owner’s card
$750
Rewards Rate
5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center, 2% back in two top categories where you spend the most each month automatically, 1% cash per dollar spent on all other eligible purchases
1% - 5%
Annual fee
$0 introductory annual fee for the first 12 months, after that $95 per year
Regular APR
21.24% - 26.24% (Variable)
Why you'll like this: It automatically earns 2% wherever you spend most, making it easy to maximize rewards on your key business expenses.
Best for customizable cash back category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
*The information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Bankrate score
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score:(740 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300
Rewards Rate
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). Earn 1% cash back on all other purchases.
1% - 3%
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
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Comparing Bankrate’s top small-business credit cards
| Business Credit Card | Rewards & Highlights | Intro Offer & APR | Bankrate Review Score |
|---|---|---|---|
 | Unlimited 1.5% cash back on business purchases | Intro Offer: Earn $900 bonus cash back Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Regular APR: 18.49% - 24.49% Variable | 4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site |
 | 5% cash back on internet, cable, phone services and office supply stores (up to $25,000 a year in combined purchases) 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year | Intro Offer: Earn up to $750 bonus cash back 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. Regular APR: 18.49% - 24.49% Variable | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site |
 | 5% cash back onon hotels and rental cars booked through Capital One Travel 1.5% cash back on all other eligible purchases | Intro Offer: $500 cash back $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening Regular APR: 18.49% - 24.49% (Variable) | 4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Capital One's secure site |
 | 10X miles on hotels and rental cars booked through Capital One Travel 5X miles on flights booked through Capital One Travel 2X miles on other purchases | Intro Offer: 150,000 miles 150,000 miles once you spend $30,000 in the first 3 months from account opening Regular APR: N/A | 4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Capital One's secure site |
 | 3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services | Intro Offer: Earn 90,000 bonus points Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Regular APR: 21.24% - 26.24% Variable | 4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site |
 | 5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com 1.5X points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (spending cap applies) | Intro Offer: Earn 150,000 points Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Regular APR: 19.49% - 28.49% Variable | 4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site See Rates & Fees, Terms Apply |
 | Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Unlimited 2% cash back on every purchase | Intro Offer: $2,000 cash back $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year Regular APR: N/A | 4.7 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Capital One's secure site |
 | 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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. 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. | Intro Offer: Earn 100,000 points Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Regular APR: 19.49% - 28.49% Variable | 5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site See Rates & Fees, Terms Apply |
 | Unlimited 5X miles on hotels and rental cars booked through Capital One Travel 2X miles on every purchase | Intro Offer: 50,000 miles 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 from account opening Regular APR: 26.24% (Variable) | 4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Capital One's secure site |
 | 5% cash back on travel booked through Chase travel portal 2.5% cash back on purchases over $5,000 2% cash back on all other eligible purchases | Intro Offer: $1,000 Cash Back Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Regular APR: Flex for Business Variable APR: 19.49% - 27.49% | 3.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site |
 | 2 miles for every dollar spent on United purchases, dining, at gas stations, office supply stores and on local transit | Intro Offer: Earn 75,000 bonus miles Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Regular APR: 21.99% - 28.99% Variable | 4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site |
 | 2X points on everyday business purchases (up to $50,000 in purchases per year, then 1x) | Intro Offer: 15,000Membership Rewards® points Earn15,000Membership Rewards® points after you spend$3,000 in eligible purchases on the Card within your first3 months of Card Membership. Regular APR: 18.49% - 26.49% Variable | 4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site See Rates & Fees, Terms Apply |
 | N/A | Intro Offer: N/A Regular APR: Factor Based | 2.7 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Revenued's secure site |
 | 2% cash back on eligible purchases up to $50,000 per calendar year, then 1% | Intro Offer: $250statement credit Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months. Regular APR: 18.49% - 26.49% Variable | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site See Rates & Fees, Terms Apply |
 | 12X points directly with Hilton properties 5X points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year 3X points on all other purchases | Intro Offer: Earn 130,000 Bonus Points Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Regular APR: 20.99% - 29.99% Variable | 4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site See Rates & Fees, Terms Apply |
 | Unlimited 1.5% cash back on all purchases | Intro Offer: $300 Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers | 3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Bank of America's secure site |
 | Unlimited 1.5% cash back | Intro Offer: N/A Regular APR: 18.49% - 35.99% variable APR | 3.5 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Capital On Tap's secure site |
 | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel | Intro Offer: N/A Regular APR: 30.74% (Variable) | |
 | 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center 2% cash back in the top two eligible categories where you spend the most each month automatically | Intro Offer: $750 Earn $750 when $7,500 is spent within the first 120 days on the account owner’s card Regular APR: 21.24% - 26.24% (Variable) |
Choosing the best business card for you
Choosing the right business credit card depends on your business needs. After evaluating your present needs and future goals, here are several factors to keep in mind when choosing new business card:
- Pick relevant earning categories: To get maximum value from your business credit card, choose a card that earns bonus rewards in your top business spending categories. If you want convenience, choose a flat-rate business rewards card that offers at least 1.5X points or miles for all purchases.
- Pay attention to redemption value: The value of your rewards can vary based on how you redeem them. Make sure the card you choose offers at least one cent per point or mile for your favorite redemption option.
- Compare additional features: Two cards may offer the same rewards, but one might offer additional features that save you money, such as intro APR offers, discounts on tech or travel protections.
- Mind the fees: Make sure the value you get from the card exceeds any fees you might pay, such as an annual fee or balance transfer fee. Other costs to consider include late fees and penalty APRs.
- Pair cards with the same issuer: Pairing multiple business cards from the same issuer can also give you an advantage when earning rewards or making the most of perks and benefits.
How to get a business credit card: You can apply for a new business card through issuers like American Express, Chase, Bank of America or Capital One. In most cases you’ll need to provide the following information:
- Business name and contact information
- Your role in the company
- Annual business income
- Business details
- Supporting documentation (such as an Employer Identification Number)
Business credit vs. personal credit
A business credit scoreapplies to businesses rather than individuals, while a personal credit score applies to a business owner’s personal credit history. Business credit scores range from 1 to 100, depending on the credit bureau. Business scores are also public and attached to an Employer Identification Number (EIN) rather than a Social Security number.
Building your business credit can be as easy as establishing credit with vendors and suppliers. However, not all lenders report accounts to business credit bureaus, so double-check that yours does. You can check your business credit score at the reporting agencies Dun & Bradstreet, Equifax and Experian. You may have to pay to see your score or look up other businesses.
Bankrate’s take:Though uncommon, business cards that do not require a personal guarantee exist. However, there’s usually a tradeoff. Instead of providing a personal guarantee, you'll usually need to link a corporate bank account with a large balance, provide proof of significant business profits or offer business assets as collateral.
What people say about business credit cards
Contributors on public forums like Reddit and myFICO®regularly recommended a few specific issuers with top business cards:
- When it comes to Amex cards, favorites include The Business Platinum Card® from American Express and American Express® Business Gold Card.
- The Capital One Spark Cash Plus is considered a great “catch-all card.”
- Chase Ink Business cards earned praise for their solid cash back rates.
It’s important to assess your business needs and how you plan to use any rewards you earn. One member of the Reddit r/smallbusiness community noted that deciding on the best card for you, “depends on what you spend money on and what you value (cash back, free travel, or other perks).”
On the myFICO® Forums, one user noted that Amex cards can be great business tools because “the no pre-set spending limit** offers flexibility.” In addition to the travel benefits, one user chose the Amex Business Platinum for its extended purchase warranty perk.
For example, Amex business cards that earn Membership Rewards are useful for travel because American Express has a solid network of transfer partners, including top airlines and hotels. Elevated rewards rates on business expenses like advertising can translate into great travel redemptions, a sentiment shared by a handful of commentators.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
**No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Learn more:Pros and cons of a business line of credit
How one Bankrate expert uses his business credit cards
Bankrate writer Ryan Flanigan explains his approach to choosing business cards and how he uses them in this overall credit card strategy.
I like business cards because they can do the heavy lifting for me. When I have significant business spending, I know my personal credit won't take a hit, and I'll earn solid rewards. I've been able to keep my credit score in a good place even when I have a large balance on my business cards. It's also very helpful for keeping everything separate and organized once tax season rolls around.
When I'm looking for business cards, I want to see how they work together with other cards I have. For instance, the Amex Business Platinum, Business Gold and Blue Business Plus cards make an amazing team, covering almost every need I have. Also, the Chase business cards can all pool points together, which can make for an excellent points-generating machine. Every card does its job by covering something different. Like in business, when cards work together for me, it makes a great partnership.
— Ryan Flanigan, Writer, Bankrate Credit Cards
Ask the experts: How do business credit cards impact business taxes?
Thomas Nitzsche
Financial Educator, Debt and Credit
Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases. A tax preparer may use those transactions as they’re working on your bookkeeping or as a means to prepare your taxes. Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan.
In the news: Rates hold steady in 2024
Following its July 30-31 meeting, the Federal Reserve announced it will leave interest rates untouched.
Bankrate chief financial analyst, Greg McBride, says that it may be a while before we see a cut in rates. “We need to go on a winning streak of seeing inflation trend down over multiple months before the Fed will feel comfortable enough to begin cutting interest rates,” he says.
Considering this, it is best for small-businesses owners to focus on current credit card rates and look out for 0 percent introductory offers on their business cards.
With no interest rate relief, business credit cardholders should be cautious. If you carry a balance on your card, take advantage of business credit cards that offer a promotional APR. During an intro APR period this time, you can often minimize interest charges for 12 months or more, depending on the offer. You can also take advantage of SBA loans, guaranteed by the U.S. Small Business Administration. These government-backed loans cap interest rates, helping to make small business loans more affordable. Several types of SBA loans are available, including options to help business owners with bad credit who struggle to get approved for financing.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information about the Capital One® Spark® Classic for Business card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Frequently asked questions about business credit cards
How we assess the best business credit cards
50+
Cards rated
700+
Data points considered
10
Spending categories analyzed
40+
Perks evaluated
When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points.
Here’s a look at how our rating methodology breaks down for business credit cards:
5
Rating: 5 stars out of 5
Overall Score
Value40%
Flexibility 20%
Perks20%
Customer experience20%
We analyzed over 50 of the most popular business credit cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup.
Here are some of the key factors that we considered:
India DavisEditor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has…
Nouri ZarrughSenior Editor, Credit Cards
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards…
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
