Best Business Credit Cards
Empowering Your Business: Discover credit cards designed for business owners, offering rewards for office supplies, travel, and business dinners, along with tools to track expenses and build business credit.
American Express® Business Gold Card
Features
- Annual Fee: A notable $375, positioning it towards the higher end of business credit cards.
- APR Range: Variable APR of 19.49% to 27.49%, catering to a wide credit spectrum.
- Rewards: 4X Membership Rewards® points on the two categories where your business spends the most each billing cycle, up to $150,000 in combined purchases per year, then 1X points thereafter.
- Welcome Offer: Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first 3 months of Card Membership.
AmEx Business Gold Card Review: A Dynamic Rewards Powerhouse
Maximize business spending with AmEx Gold’s adaptive 4X points, mindful of its $375 fee.
Rickie C. Keys, Ph.D., MPH
Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
Features
- Annual Fee: $0, making it accessible for all businesses.
- APR: Variable 18.49%-28.49%, with a 0% intro APR on purchases for the first 9 billing cycles.
- Rewards: Earn unlimited 1.5 points per $1 spent on all purchases, potentially increasing up to 2.62 points per $1 for Preferred Rewards for Business members.
- Welcome Offer: 30,000 online bonus points after spending at least $3,000 in the first 90 days, which can be redeemed for a $300 statement credit towards travel or dining.
Bank of America Business Advantage Travel Rewards Review: A Prudent Choice for Business Travelers
BoA Business Advantage: No-fee, high-reward potential for qualifying businesses.
Rickie C. Keys, Ph.D., MPH
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Features
- Annual Fee: $0, making it an economical choice for all business types.
- APR: A variable rate of 18.49%-28.49%, with an introductory 0% APR on purchases for the first 9 billing cycles.
- Cash Back: Earn a flat rate of 1.5% on all purchases with no caps or expiration dates on points.
- Preferred Rewards for Business: Membership can boost cashback rates to 2.62% on all spending.
- Welcome Offer: You will receive a $300 online statement credit after making at least $3,000 net purchases within the first 90 days.
Bank of America Business Advantage Unlimited Cash Rewards Review: Streamlined Earnings for Businesses
BoA Business Unlimited: Earn up to 2.62% back, which is best for those with BoA ties.
Rickie C. Keys, Ph.D., MPH
Brex Card
Features
- Annual Fee: $0, making it accessible for startups.
- APR: Not applicable as it operates on full repayment, either daily or monthly, based on qualifications.
- Credit Limit: Substantially higher than typical business cards, contingent on the company's cash balance and spending.
- Sign-up Bonus: 10,000 points after spending $3,000 within the first three months.
- Rewards: Earn up to 7 points per dollar on rideshares and taxis, with varying points on other categories like travel and dining.
- No Personal Guarantee: Eliminates personal credit risk for the business owner.
Brex Card Review: Flexible Financing for Well-Funded Startups
Brex: High-limit, no-guarantee card for startups with robust funding.
Rickie C. Keys, Ph.D., MPH
Capital on Tap Business Credit Card
Features
- Annual Fee: $0, ensuring cost-effectiveness for businesses.
- APR: Variable 18.49%-35.99%, which might be higher for businesses with lower credit scores.
- Sign-Up Bonus: $200 cash back after spending $15,000 within the first 3 months, a nice initial perk.
- Cash Back: Earn an unlimited 1.5% back on all purchases, making reward earning simple and straightforward.
- Foreign Transaction Fee: None, making it suitable for businesses with overseas transactions.
Capital on Tap Business Credit Card Review: Simplified Cash Back for Businesses
Capital on Tap: Uncomplicated 1.5% cash back for eligible businesses, with no annual fee.
Rickie C. Keys, Ph.D., MPH
Capital One Spark Cash Plus
Features
- Annual Fee: $150, which rewards businesses with high spending can offset.
- APR: Not applicable, as it’s a charge card requiring full monthly payment.
- Sign-Up Bonus: Generous $1,200 cash bonus afterewards for businesses with high spending can offset spending $30,000 in the first 3 months.
- Cash Back: Uncomplicated 2% back on all purchases, with no limits or category restrictions.
- Foreign Transaction Fee: None, making it ideal for businesses with overseas expenditures.
Capital One Spark Cash Plus Review: A Straightforward Cash-Back Powerhouse
Capital One Spark Cash Plus: Unrivaled 2% cash back for businesses with disciplined spending.
Rickie C. Keys, Ph.D., MPH
Capital One Spark Cash Select for Excellent Credit
Features
- Annual Fee: None, making it cost-effective for all types of businesses.
- APR: Variable 18.49%-24.49%, emphasizing the importance of managing balances.
- Welcome Bonus: Earn a $750 bonus after spending $6,000 in the first 3 months.
- Rewards: Unlimited 1.5% cash back on every purchase, everywhere, with no restrictions or categories to track.
Capital One Spark Cash Select Review: Simplified Rewards for Businesses
Capital One Spark Cash Select: 1.5% back on all purchases, no annual fee.
Rickie C. Keys, Ph.D., MPH
Capital One Spark Miles for Business
Features
- Annual Fee: $0 intro for the first year, then $95, aligning with the card's value proposition for frequent travelers.
- APR: A variable rate of 26.24%, underscoring the importance of timely full payments to avoid interest accrual.
- Sign-up Bonus: A lucrative offer of 50,000 miles after $4,500 spent in the first 3 months, equivalent to $500 in travel.
Capital One Spark Miles for Business Review: Streamlined Travel Rewards
Cap One Spark Miles: 2x on purchases, $0 intro fee, travel perks.
Rickie C. Keys, Ph.D., MPH
Capital One Venture X Business
Features
- Annual Fee: $395, signaling its premium status among business credit cards.
- Rewards: 2x miles on all purchases, with no restrictions or caps, and enhanced earnings of up to 10x miles on travel booked through Capital One Travel.
- Sign-up Bonus: Generous offer of 150,000 bonus miles after spending $30,000 in the first 3 months.
Capital One Venture X Business Review: Elevating Business Travel
Venture X Business: Luxury travel perks & 2x miles on all spends.
Rickie C. Keys, Ph.D., MPH
Chase Ink Business Cash Credit Card
Features
- Annual Fee: $195, indicating its positioning as a premium card offering.
- APR: Flex for Business Variable APR: 19.49%-27.49%, offering some flexibility for large purchases.
- Sign-up Bonus: A lucrative $1,000 bonus cash back after spending $10,000 within the first 3 months.
Chase Ink Business Premier Credit Card Review: Tailored for High Spenders
Ink Business Premier: Big spends earn more, with a notable annual fee.
Rickie C. Keys, Ph.D., MPH
Chase Ink Business Preferred Credit Card
Features
- Annual Fee: $95, positioned for businesses looking to maximize rewards.
- APR: 21.24%-26.24% Variable APR, reflecting its rewards-focused offering.
- Sign-up Bonus: Earn an exceptional 100,000 bonus points after spending $8,000 in the first 3 months, which equates to $1,000 cash back or $1,250 toward travel through Chase Travel℠.
Chase Ink Business Preferred Credit Card Review: Maximizing Business Rewards
Ink Business Preferred: Unmatched rewards for business basics, with a big bonus.
Rickie C. Keys, Ph.D., MPH
Chase Ink Business Unlimited® Credit Card
Features
- Annual Fee: $0, making it cost-effective for all businesses.
- APR: 0% intro APR on Purchases for 12 months, then 18.49%-24.49% Variable APR, offering flexibility for initial big purchases.
- Sign-up Bonus: New cardholders receive a robust $750 bonus cash back after spending $6,000 in the first three months, a significant incentive.
Chase Ink Business Unlimited Credit Card Review: Simplified Earnings for Every Purchase
Ink Business Unlimited: $750 bonus & 1.5% back on everything, no annual fee.
Rickie C. Keys, Ph.D., MPH
Chase United Mileage Plus Explorer Business Credit Card
Features
- Annual Fee: $0, ensuring cost-effectiveness for all business sizes.
- Sign-Up Bonus: An enticing offer of $750 bonus cash back after spending $6,000 in the first 3 months.
- APR: Offers a 0% intro APR on Purchases for 12 months, followed by a Variable APR of 18.49%-24.49%, providing flexibility for initial expenses.
- Rewards Rate: A simple, flat 1.5% cash back on all purchases makes reward accumulation effortless.
Chase Ink Business Unlimited Review: Streamlined Cash-Back for Businesses
Ink Business Unlimited: $750 bonus & 1.5% cash back on all purchases, zero annual fee.
Rickie C. Keys, Ph.D., MPH
Marriott Bonvoy Business® American Express® Card
Features
- Annual Fee: $125, easily offset by card benefits.
- Welcome Offer: Earn 3 Free Night Awards after spending $6,000 in the first 6 months, potentially worth up to 150,000 points.
- Rewards: Earn 6x points at Marriott hotels, 4x points in select business categories, and 2x points on other purchases.
- APR: Variable APR of 20.99%-29.99%, emphasizing the importance of responsible credit management.
Marriott Bonvoy Business Card Review: Essential for Hotel Stays
Marriott Bonvoy Business: Annual free night & Gold Elite status for a $125 fee.
Rickie C. Keys, Ph.D., MPH
Ramp Card
Features
- Annual Fee: $0, promoting cost-saving from the get-go.
- Rewards: Earn an unlimited 1.5% cash back on all purchases, with no caps or categories to track.
- Credit Check: None required, focusing on business revenue and cash flow instead of personal credit history.
- Application Requirements: EIN, business bank account with a minimum balance of $75,000, and incorporation documents.
Ramp Card Review: Unleash Cash Flow, Reap Rewards
Ramp Card: Effortless 1.5% cash back, no fees, geared for incorporated businesses.
Rickie C. Keys, Ph.D., MPH
The American Express Blue Business Cash™ Card
Features
- Annual Fee: $0, making it accessible for all business sizes.
- APR: Offers a 0% intro APR on purchases for the first 12 months, followed by a variable APR of 18.49%-26.49%.
- Cash Back: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%.
- Sign-Up Bonus: Earn a $250 statement credit after spending $3,000 in the first 3 months.
AmEx Blue Business Cash Review: Effortless Earning for Entrepreneurs
AmEx Blue Biz Cash: 2% back on $50K spend, $0 fee, easy rewards.
Rickie C. Keys, Ph.D., MPH
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Features
- Annual Fee: $0 intro for the first year, then $95.
- APR: 20.24%-28.24% Variable APR.
- Rewards: Earn up to 4x points on travel, gas, and EV charging; 2x on dining, takeout, and restaurant delivery; 1x on other eligible spends.
- Sign-Up Bonus: Earn 60,000 bonus points (worth $600) after spending $6,000 in the first 180 days.
- Other Benefits:
- Up to four free Priority Pass lounge visits per year.
- $25 credit on every three consecutive monthly taxi or rideshare trips.
- Combine points with select U.S. Bank personal cards.
U.S. Bank Business Altitude Connect™ World Elite Mastercard® Review: Maximizing Travel Rewards for Businesses
Maximize business travel rewards with 4x points on travel & gas, no annual fee first year.
Rickie C. Keys, Ph.D., MPH
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Features
- Annual Fee: $0, making it accessible for all business sizes.
- APR: Variable 19.24%-28.24% after an introductory 0% APR for the first 15 billing cycles on purchases and balance transfers.
- Sign-Up Bonus: Earn $500 cash back after spending $4,500 in the first 150 days.
- Rewards:
- 3% cash back on gas stations, office supply stores, cell phone service providers, and restaurants.
- 5% cash back on prepaid hotels and car rentals booked through U.S. Bank’s Rewards Center.
- 1% cash back on all other eligible purchases.
- Other Benefits:
- $100 annual statement credit for software subscriptions.
- A long intro APR period applies to purchases and balance transfers.
U.S. Bank Business Triple Cash Rewards Review: A Comprehensive Guide
Triple Cash Rewards: Earn up to 5% back, $500 bonus, and enjoy 0% APR.
Rickie C. Keys, Ph.D., MPH