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The 11 Best Small Business Credit Cards For Cash Back, Introductory Offers, Travel Rewards, & More

Some of these business cards offer excellent travel and cash back rewards, while others impress with low fees and tempting introductory offers.

    Kate Hoots
  • UPDATED

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best business credit card

The best business credit cards advertise their rewards and cash back, have an easy application process, low introductory rates, and balance transfer offers. Because there are so many business credit cards available, it’s hard to know which is right for you. We’ve broken down 11 of the best business credit card offers, comparing rates, rewards, and more, to show you which business credit card has the right combination of perks to make it the right business credit card for your small business.

Learn More About Our Top Picks

CompanyKey TakeawaysNext StepsKey Takeaways
Chase Ink Business Preferred

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Best for eCommerce.
Best for eCommerce.

Visit Site

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American Express Business Gold Card

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Best for cash back rewards.
Best for cash back rewards.

Visit Site

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American Express Blue Business Cash

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Best for 0% interest rate.
Best for 0% interest rate.

Visit Site

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American Express Blue Business Plus

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Best for balance transfers.
Best for balance transfers.

Visit Site

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Brex

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Best for new small businesses.
Best for new small businesses.

Apply Now

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Spark Cash Select From Capital One

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Best for flat-rate rewards.
Best for flat-rate rewards.

Visit Site

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Chase Ink Business Cash

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Best welcome offer.
Best welcome offer.

Visit Site

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Spark® Miles from Capital One®

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Best for travel rewards.
Best for travel rewards.

Visit Site

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Spark Classic from Capital One

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Best for fair credit.
Best for fair credit.

Visit Site

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Wells Fargo Business Secured Credit Card

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Best for poor credit.
Best for poor credit.

Visit Site

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Silicon Valley Bank

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Best for no annual fee.
Best for no annual fee.

Visit Site

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Read more below to learn why we chose these options.

Best 11 Business Credit Cards At A Glance

Whether your business is new or established, an LLC, or you’re a freelancer, there’s a good business credit card for you. This list of 11 of our favorite business credit cards is made to suit a range of business needs, so you can find the credit card that works for your business.

  • Chase Ink Business Preferred: Best for eCommerce.
  • American Express Business Gold Card: Best for cash back rewards.
  • American Express Blue Business Cash: Best for 0% intro rate.
  • American Express Blue Business Plus: Best for balance transfers.
  • Brex: Best for new small businesses.
  • Capital One Spark Cash: Best for flat-rate rewards.
  • Chase Ink Business Cash: Best welcome offer.
  • Capital One Spark Miles: Best for travel rewards.
  • Capital One Spark Classic: Best for fair credit.
  • Wells Fargo Business Platinum Secured: Best for poor credit.
  • SVB Innovators Card: Best for no annual fee.

1. Chase Ink Business Preferred: Best For eCommerce

Chase Ink Business Preferred



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Chase Ink Business Preferred



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Annual Fee:


$95

 

Purchase APR:


15.99% – 20.99% (variable)

Best for eCommerce.

Pros

  • Earn 1x-3x points on purchases
  • 100,000 bonus points welcome offer
  • Points do not expire
  • Employee cards available

Cons

  • 3x points limited to $150K in purchases
  • $95 annual fee

Overall, Chase’s Ink Business Preferred is one of the best credit cards for small businesses. In particular, it’s one of the best business credit cards for eCommerce because it offers bonus rewards for common purchases to support eCommerce functions. You’ll get 3 points/$1 spent on advertising purchases made with social media sites and search engines, as well as shipping purchases. That earning rate also applies to other categories, including travel (airfare, hotels, rental cars, train tickets, and taxis) and internet, cable, and phone services. And you can set up recurring bill pay for those accounts.

This benefit taps out after you spend $150,000 in a year. After that, you’ll still earn 1 point/$1 you spend. You’ll earn a standard 1 point/$1 spent on purchases outside those categories, and your points never expire as long as you keep your account open. You can stretch your points when you shop at Amazon or book travel through Chase Ultimate Rewards. You can also redeem points for cash back or gift cards. The $95 annual fee offsets earnings for this card, but that’s affordable if you max out your points-earning potential each year. And the current welcome offer of 100,000 bonus points after you spend $15,000 on purchases in the first three months will net you $1,000 cash back or $1,250 in potential travel rewards.

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2. American Express Business Gold Card: Best For Cash Back Rewards

American Express Business Gold Card



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American Express Business Gold Card



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Annual Fee:


$295

 

Purchase APR:


15.24% - 23.24% (variable)

Best for cash back rewards.

Pros

  • 1x-4x points on purchases
  • 70,000 points welcome offer
  • 25% airline points rebate if you book with Amex Travel
  • Extended warranty on purchases
  • Option to pay over time

Cons

  • $295 annual fee
  • Bonus points are limited to the first $150K in select categories

One of the best small business credit cards for cash back rewards is the American Express Business Gold Card. With a hefty 4x points offered in select categories, this card allows users to get the biggest rewards bang for their spending. Though the 4x points are limited to select categories, the categories are broad, and your card will earn the bonus award on your top-two highest spending centers from among these categories:

  • Airfare purchased directly from airlines
  • Advertising purchases on TV, online, and radio
  • Gas purchases at US gas stations
  • Restaurant purchases at US venues, including takeout and delivery
  • Technology purchases, including computer hardware, software, and cloud solutions
  • Shipping purchases

The 4x points apply to the first $150K in purchases each year. This allows you to tailor your bonus points to your unique spending patterns. There is no limit to the number of points you can earn, though you’ll revert to a simple 1x point scheme after you hit the spending cap. This card comes with a rather hefty $295 annual fee. That can be offset by the current welcome offer of 70,000 bonus points after you spend $10K in the first three months.

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3. American Express Blue Business Cash: Best For 0% Interest Rate

American Express Blue Business Cash



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American Express Blue Business Cash



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Annual Fee:


$0

 

Purchase APR:


14.24% - 20.24% (variable)

Best for 0% interest rate.

Pros

  • 0% APR on balance transfers
  • $250 welcome offer
  • No annual fee
  • 2% cash back on the first $50K

Cons

  • APR jumps to a variable rate after 12 months
  • No travel rewards

If you need a card that can carry a balance, check out the American Express Blue Business Cash card. It’s the best business credit card for a 0% interest rate on purchases for an entire year after opening your account, giving you plenty of time to pay off your purchases. Right now, you’ll also get a $250 cash-back welcome offer as long as you spend $3,000 in your first three months.

Purchases with the American Express Blue Business Cash card will earn 2% cash back, up to the first $50,000 you spend each calendar year. After that cap, you’ll earn 1% cash back on purchases. Rewards will be credited to your statement automatically. This small business credit card comes with minimal travel and shopping benefits in the form of rental car insurance, a global assistance hotline, and some extended warranty and purchase protections. Purchases you make in the travel and shopping categories will earn that 2% cash back reward, up to $50,000 total spending, making Amex’s Blue Business Plus Cash one of the easiest ways we’ve found to rack up points.

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4. American Express Blue Business Plus: Best For Balance Transfers

American Express Blue Business Plus



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Best for balance transfers.

Pros

  • 0% APR on balance transfers
  • 15,000 points welcome offer
  • No annual fee
  • 2x points on most purchases
  • No over-limit fees

Cons

  • APR jumps to a variable rate after 12 months
  • No specific travel rewards

American Express Blue Business Plus offers a 0% introductory rate for 12 months, making this one of the best business credit cards for balance transfers. Be prepared to pay a transaction fee of up to 3% of the transferred balance amount. With no annual fee, this card offers a convenient and cost-effective way to pay down big purchases over time. After the first 12 months, the interest rate on this card jumps to a variable rate between 13.49% and 21.49%, based on various factors, including your creditworthiness.

This card also lets you accrue points when you use it to make purchases. You’ll earn 2% cash back on the first $50,000 you spend each year. After you hit that cap, your cash back rate will drop to 1%. Rewards are applied to your statement automatically.

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5. Brex Card: Best For New Small Businesses

Brex



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Best for new small businesses.

Pros

  • Earn up to 8x points with multipliers
  • Valuable partner discounts
  • Travel rewards
  • No cap on points earnings

Cons

  • Not available to all business types
  • Must repay daily to earn the highest points rate

The Brex Card is a corporate card geared toward tech startups, and it’s one of the best credit cards for new small businesses. This card provides up to 8x points for ridesharing apps and taxis, 5x on travel, 4x at restaurants, 3x on recurring software, 3x on Apple products, and 1x on everything else. Rewards can be redeemed for a statement credit and gift cards or used to book travel through Brex’s portal. Beyond the base points scheme, the Brex Card features exclusive signup offers from various products and business tools, including accounting software Quickbooks, Amazon Web Services, Apple, Gusto, Slack, and more.

Outside of the card itself, Brex offers spend management tools to help companies issue employee cards, match receipts, and track spending. The company’s business account offering, Brex Cash, attempts to replace the standard business checking account by providing FDIC coverage, free ACH and wire transfers, and no minimum balance requirements. Unfortunately, Brex’s credit card is available only to businesses classified as C-Corps, S-Corps, LLCs, and LLPs.

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6. Spark Cash Select From Capital One: Best For Flat-Rate Rewards

Spark Cash Select From Capital One



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Spark Cash Select From Capital One



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Annual Fee:


$0

 

Purchase APR:


13.49%-19.49% variable (Excellent Credit version); 16.24-24.24% variable (Good Credit version)

Best for flat-rate rewards.

Pros

  • Unlimited 1.5% cash back on every purchase
  • No spending limits
  • No annual fee
  • $500 cash bonus when you spend $4,500 in the first three months

Cons

  • $150 annual fee
  • Requires excellent credit

Capital One offers a very simple way to earn a fair amount of cash back, and its simple scheme makes it one of the best business credit cards for flat-rate rewards. With 1.5% cash back on all purchases, this is a simple way to save money. We are highlighting the Spark Cash Select from Capital One because it has no annual fee. However, you should be aware that Capital One offers a similar card with 2% cash back on all purchases and a higher early spend bonus, but it carries a rather hefty $150 annual fee. The extra cash back may make the fee worth paying, depending on your spending habits.

Capital One’s Spark Cash Select rewards scheme is very straightforward: You receive 1.5% cash back on all eligible purchases made through your card. If you spend $10,000 on the card, for example, you’ll get $150 cash back. You can also pick up a $500 early spend bonus by dishing out $4,500 on purchases within your first three months. This card is not subject to caps; you will earn 1.5% cash back regardless of how much you spend on your card.

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7. Chase Ink Business Cash: Best Welcome Offer

Chase Ink Business Cash



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Chase Ink Business Cash



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Annual Fee:


$0

 

Purchase APR:


13.24% - 19.24% (variable)

Best welcome offer.

Pros

  • $750 cash back bonus
  • 5% cash back on select purchase
  • No annual fee
  • 0% APR on purchases for 12 months
  • Employee cards

Cons

  • Top cash back offer limited to $25K in purchases
  • APR jumps to a high variable rate after the first year

Chase’s business credit card, Ink Business Cash, is the business credit card with the best welcome offer. Users will have the opportunity to earn up to 5% cash back on purchases in select categories. With a category cap of $25,000, you won’t be able to earn as much as you might with another card. However, Chase’s Ink Business Cash card has no annual fee and a generous cash back welcome offer. If you spend at least $7,500 within three months of opening your account, you’re looking at a cash back bonus of $750. This business credit card also offers an introductory APR of 0% on purchases made in the first 12 months. That’s an offer that’s hard to beat.

Cash back rates earned will vary and can change over the course of a year, with 5% back per year on the first $25K in combined purchases at office supply stores and on internet, cable, and phone services. That drops to a still-respectable 2% cash back on the first $25K in combined purchases at gas stations and restaurants each year. All other purchases earn 1% cash back, with no limit to the points earned. You can redeem points for cash back, gift cards, travel, and more. Points do not expire.

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8. Capital One Spark Miles: Best For Travel Rewards

Spark® Miles from Capital One®



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Spark® Miles from Capital One®



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Annual Fee:


$95 ($0 the first year)

 

Purchase APR:


21.24% (variable)

Best for travel rewards.

Pros

  • 50,000 bonus mile offer
  • Earn 2x miles on every purchase
  • $0 annual fee for the first year
  • $100 credit for Global Entry or TSA PreCheck

Cons

  • $95 annual fee after the first year
  • Excellent credit required

Capital One’s Spark Miles is an excellent and easy way for frequent travelers to earn miles, making this one of the best business credit cards for travel rewards. Cardholders nab two miles for every dollar spent on all purchases, with no minimums and no expiration dates. Plus, Capital One bumps up that earning rate to 5x if you book hotels and car rentals through its travel portal. That base scheme sits higher than the amount dished out by many credit cards and makes for an excellent incentive to use this card on many purchases. You can earn a one-time bonus of 50,000 points by spending $4,500 within the first three months.

Spark Miles carries an annual fee of $95, which gets waived for the first year. If you’re not sure the fee balances out for your business, you can check out our review of Capital One’s companion card, Spark Miles Select, which has a $0 annual fee and earns 1.5x miles on every purchase. Whichever card you choose, redeem your miles for most travel expenses, including airfare, hotels, vacation packages, and other purchases. Additionally, cardholders have access to all the business benefits from Capital One and Visa.

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9. Capital One Spark Classic: Best For Fair Credit

Spark Classic from Capital One



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Capital One Spark 1% Classic



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Annual Fee:


$0

 

Purchase APR:


26.99% (variable)

Best for fair credit.

Pros

  • Available to users with fair credit
  • Unlimited 1% cash back
  • $0 annual fee

Cons

  • Relatively low rewards rate
  • Minimum payment requirements

Business owners with a fair or average credit score need a way to boost their credit rating while leveraging their credit to make purchases. For that purpose, it’s hard to beat Spark Classic from Capital One, one of the best business credit cards for fair credit. While this card doesn’t deliver the highest level of rewards, it features no annual fee. Plus, using this card boosts your business credit scores, allowing you to seek more rewarding cards in the future.

Those with the Spark Classic can earn an unlimited 1% per dollar spent on all purchases. This amount is lower than other cards on this list. However, it’s still a generous offer because it’s available to business owners with fair credit. On top of that, there’s no annual fee to worry about. Rewards can be redeemed in the form of a statement credit or a check, as well as credits for previous purchases, gift cards, and more. There is no minimum to redeem, and they’ll last for the account’s duration.

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10. Wells Fargo Business Secured: Best For Poor Credit

Wells Fargo Business Secured Credit Card



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Wells Fargo Business Secured Credit Card



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Annual Fee:


$25 per card

 

Purchase APR:


Prime + 11.90%

Best for poor credit.

Pros

  • No annual fee
  • Bonus offer of $300 cash or 30,000 points
  • 1.5% cash back on qualified purchases
  • Bonus points for making minimum required purchases
  • 0% introductory rate for nine months

Cons

  • Security deposit required
  • Credit line max of $25,000
  • Must choose cash back or rewards

As a business-specific secured card, the Wells Fargo Business Secured Credit Card may be the best business credit card for poor credit. If your business lacks a credit history or has a low credit score that needs improving, this card is worth a look because it also offers a flexible rewards scheme that lets you get the most out of your rewards while also boosting your credit score.

That flexible rewards scheme is certainly this card’s highlight. You can choose to net 1.5% for every dollar spent, or you can opt for 1 point per dollar spent with 1,000 bonus points each billing period your business spends $1,000 or more. Ultimately, your choice will be determined by how much you spend. Low spenders (under $1,000 per month) or high spenders (above $2,000) will likely want to opt for the cash back format. Those in the middle (between $1,000 and $2,000 monthly) might see more success going with rewards points.

Note: Want more secured card options? Read our guide on secured credit cards.

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11. SVB Innovators Card: Best For No Annual Fee

Silicon Valley Bank



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Best for no annual fee.

Pros

  • No annual fee
  • Free employee cards
  • Earn 2x points
  • Credit limit scales with your company’s growth

Cons

  • Balance must be paid in full
  • High late payment fee

The Innovators Card from SVB (Silicon Valley Bank) is one of the best business cards with no annual fee. Aimed at startups with a scanty credit record, it’s not a true credit card because you won’t be allowed to carry a balance, and you’ll pay a hefty late fee of up to 2.5% of charges if you push your payment due date. Most users will be given a relatively low credit limit to start, but the card is designed to grow with your business, and you can expect to see your credit limit increase over time.

SVB’s Innovators Card comes with no fee, no matter how many cards you add for your employees. All cards will earn 2 points for every dollar spent, with points accruing in a single pool. You can redeem points for statement credit, gift cards, travel, and merchandise. At this time, the available selection of gift cards and rewards is very limited. However, many users will be satisfied with statement credit, and the earnings rate is fairly generous.

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How To Choose A Credit Card For Your Business

Do you need some tips to help you apply successfully for your business’s next credit card? Here are a few helpful hints to get you started:

Check Your Credit Score Before Applying

Because credit card applications initiate a “hard pull” on your credit history, applying for too many cards in quick succession can lower your credit score. So you want to be sure you meet the qualifications to be approved before you apply for a card. To find out your credit score, visit one of our favorite free credit-checking sites.

Choose Rewards That Match Your Business Spends

Before you choose the best business credit card to apply for, think about how you’ve been spending money and how you picture that happening in the future. What kinds of rewards scheme will best suit your business? Which business credit card will provide the best value? Compare the pros and cons of cash back, travel, and rewards business cards. By matching a card with your business’s spending habits, you’ll be able to maximize your rewards.

Consider Extra Card Benefits

A business credit card may offer benefits beyond basic rewards, such as extended warranties or travel insurance and aid. If you’re trying to decide between two cards with similar base rewards, check their additional benefits to help you choose. Something seemingly small, such as zero foreign transaction fees or no-cost employee cards, can make a big difference, depending on how you plan to use the card.

What Credit Score Is Needed For A Business Credit Card?

Your business credit score represents your creditworthiness. Credit card issuers will use it to evaluate how likely you are to pay on time, how much credit they should extend to your business, and even how high an interest rate they should charge you. Each credit card issuer has a different idea of what’s considered excellent, good, fair, and poor, so if you don’t qualify for one offer, keep looking until you find another one you like that you’re more qualified for.

Do you know what your credit score is and how to improve it? If you answered “No” to either of those questions, check out our guide to business credit scores. You can read our tips on how to get a business credit card to learn how to check your business credit score and what you can do to improve it if needed.

Can You Get A Business Credit Card To Start A Business?

It’s pretty common for entrepreneurs to start a business using a personal credit card to finance materials and operations at first. But which kind of credit card will be better for what you need: a personal credit card vs. a business credit card?

One advantage of using a business credit card is that using one establishes and helps build your business credit. You can’t do that by using a personal credit card. However, you won’t be able to get a business credit card if you’re running your new business more like a side hustle. You’ll probably have to establish your business officially, with a business license, tax ID/EIN, and a business bank account.

Simply put: If you’re looking for a way to start a business with no money, a credit card may not be your best bet.

How Do I Establish Credit For My Business?

If you’re a new small business owner without a business credit card or credit history, you can’t rely on your personal credit rating to build your business credit profile. So getting a business credit card can be a smart step. Don’t expect to start with a huge credit limit, however. You may need to start with what’s known as a secured business credit card, where you make and maintain a deposit that’s close to or equal to your credit limit. As you prove your business’s creditworthiness over time, you may be able to obtain a different kind of business credit card, with a higher limit.

Of course, you can start to establish your business credit profile simply by starting a business bank account. Once you’re set up with a business checking account that you use you pay bills, you may be able to get a business credit card from your business banking services provider.

Can You Get A Business Credit Card Without Income?

If you’re applying for a secured business credit card, the issuer may not perform a credit check. So technically, you could be approved without showing proof of income.

However, you should not get a business credit card unless you need one. As the business owner, you will probably be required to sign a personal guarantee for any debt incurred in your business name. And who is responsible for business credit card debt? That would be you, the business owner. So without any income and no way to pay off the debt, it’s questionable whether taking on debt makes good business sense.

What You Need To Apply For A Business Credit Card

When you’re ready to apply for a business credit card, you can make the application process a little easier by gathering some information in advance. We provide a step-by-step guide to applying for a business credit card. Standard information required on a business credit card application may include the following:

  • Business’s legal name, physical address, and phone number
  • Tax ID number (also known as Employer Identification Number or EIN)
  • Type of business
  • Business structure
  • Annual revenue for your business
  • Estimated monthly business spending
  • Business age
  • Your role in the business
  • Number of employees
  • Your personal information, including name, address, phone number, date of birth, and Social Security number

FAQs About Business Credit Cards

Do credit cards hurt small businesses?

Having a business credit card can help a small business if you choose the right card and use it properly. Choose a business credit card that allows you to build your business credit profile, offers rewards, such as travel perks or cash back to help your business grow, and offers terms your business can meet. Make your payments on time to improve your credit rating and minimize the amount you spend on paying interest.

Do you need an EIN for a business credit card?

You do not necessarily need an EIN to apply for a business credit card. If your business operates as a sole proprietorship, you can be approved using just your own Social Security number. Small businesses with a more complex structure, such as LLCs, will need an EIN, and even sole proprietorships will be able to receive better access to credit if they are officially structured with an EIN.

Should I get a business credit card for Etsy?

It’s a good idea for most small businesses to use a business credit card, including those that sell primarily on Etsy. Using a business credit card helps you keep your business purchases separate from your personal finances. That makes it easier to file your taxes, and keeping business expenses separate from your personal finances helps limit your financial liability if something goes wrong.

What is the fastest way to get business credit for an LLC?

The fastest way to get business credit for an LLC or any type of business is to start a business bank account. That will help you establish your business’s creditworthiness. From there, you can apply for a line of credit, loan, or business credit card to help fund your business growth.

What credit score is needed for Amazon business cards?

You need good to excellent credit to be approved for an Amazon business credit card. Amazon considers scores above 720 to rate excellent, and credit scores about 680 qualify as good.

Final Thoughts: Choosing The Right Business Card

The best business credit cards for your small business depend on your business type, size, and needs. It helps to understand the rewards your business credit card can help you earn, so a good starting point is to compare cash back, travel, and rewards business cards. Your business might benefit most from receiving cash back, so you might choose from this list of the best cash back business cards. If your business frequently takes you or your employees on the road or into the skies, you might want to choose one of the best credit cards for business travel.

Larger businesses might be ready to graduate from a business credit card to a corporate card. Benefits include cards for employees, spend management tools, and other benefits that can save you time, money, and hassle. Start with our list of the best corporate credit cards and see if you find one that meets your needs.

Your business will benefit from having a business card that will help you finance your growth, no matter what type of card and rewards you choose. Even if you have poor or no credit and decide to start with a secured business credit card, taking the step now will benefit your business later in the form of a strong, well-established business credit rating. That will help you secure funding when you need it, including loans and lines of credit.

And in the meantime, as you build your business credit rating, you can enjoy your pick of rewards from these best business credit cards. Whether you choose travel rewards, cash back, or other types of credit card rewards, such as gift cards, you can feel confident that you’re helping your business grow in the right direction.

In Summary: Best 11 Business Credit Cards At A Glance

  1. Chase Ink Business Preferred: Best for eCommerce.
  2. American Express Business Gold Card: Best for cash back rewards.
  3. American Express Blue Business Cash: Best for 0% interest rate.
  4. American Express Blue Business Plus: Best for balance transfers.
  5. Brex : Best for new small businesses.
  6. Spark Cash Select From Capital One: Best for flat-rate rewards.
  7. Chase Ink Business Cash: Best welcome offer.
  8. Spark® Miles from Capital One®: Best for travel rewards.
  9. Spark Classic from Capital One: Best for fair credit.
  10. Wells Fargo Business Secured Credit Card: Best for poor credit.
  11. Silicon Valley Bank: Best for no annual fee.
Kate Hoots

Kate Hoots

Expert Analyst & Reviewer at Merchant Maverick
An expert in business banking, consumer finance, and online payments, Kate Hoots has been writing about small business commerce since 2020. A former journalist for the West Linn Tidings and the Wilsonville Spokesman, Kate boasts wide experience in business leadership and communication. She has a degree in English Literature from Lewis & Clark College.
Kate Hoots
View Kate Hoots's professional experience on LinkedIn.

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