The Best Credit Cards For Small Business

Chase Ink Business Preferred is a strong overall pick for businesses that spend on travel, shipping, internet, phone services, and online advertising.

Cardholders earn 3x points in bonus categories, plus 1x on other purchases. Points can transfer to Chase travel partners, and the rewards can help offset the annual fee.

American Express Business Gold is a strong pick for businesses with spending that changes month to month.

Cardholders earn 4x points in their top two eligible categories each billing cycle, up to the annual cap. It’s best for businesses that spend on advertising, restaurants, gas, transit, wireless service, or technology purchases.

Capital One Spark Cash Select is a no-annual-fee business credit card for owners who want simple cash back without tracking bonus categories.

Cardholders earn unlimited 1.5% cash back on every purchase, plus 5% on hotels and rental cars booked through Capital One Business Travel. It’s a simple option for businesses with everyday spending across multiple categories.

Ramp is a corporate card built for businesses that want spend controls, expense management, reimbursements, and unlimited physical and virtual cards.

Businesses can earn up to 1.5% cash back, access partner rewards, and use Ramp’s tools to track spending, set limits, and automate approvals. Advanced features and international support may require Ramp Plus.

Revenued is different from the other options on this list because it's not a traditional business credit card. The Revenued Business Card gives businesses access to working capital through the Revenued Flex Line, which is based more on revenue than traditional credit requirements.

It may be a fit for revenue-generating businesses that need flexible funding but may not qualify for a standard business card. However, Revenued does not offer rewards, and costs are based on a factor rate instead of a traditional APR.

American Express Blue Business Cash is a strong option for businesses that want simple cash back, no annual fee, and an intro APR period.

Cardholders earn 2% cash back up to the annual spending cap, then 1% after that. It’s best for moderate spenders, but the foreign transaction fee makes it less useful for frequent international purchases.

Brex is a corporate card for funded startups and growing companies that want high credit limits, employee cards, spend controls, reimbursements, and expense tracking.

There’s no personal guarantee or personal credit check, but balances must be repaid on schedule. Brex offers rewards in startup-friendly categories like rideshare, travel, restaurants, and software, though stricter eligibility may apply.

Capital One Spark 1% Classic is a no-annual-fee business credit card for owners with fair or average credit who may not qualify for stronger rewards cards.

Cardholders earn unlimited 1% cash back on every purchase, plus 5% on hotels and rental cars booked through Capital One Travel. Responsible use may help build credit, but the APR is high, so it’s best to avoid carrying a balance.

Bank of America Business Advantage Unlimited Cash Rewards Secured is a secured business credit card for owners with bad credit who want to build credit while earning rewards.

Cardholders earn unlimited 1.5% cash back on purchases, but a security deposit is required. The APR is high, so this card is best for businesses that can pay in full while working toward stronger credit options.

U.S. Bank Triple Cash Rewards Visa Business is a no-annual-fee card with solid cash back and an intro APR on purchases and balance transfers.

Cardholders earn 3% cash back in select business categories, 1% on other purchases, and 5% back on prepaid travel booked through U.S. Bank. It’s a good fit for businesses planning a large purchase or balance transfer, but the bonus categories and foreign transaction fee may not work for everyone.

Capital One Venture X Business is a travel rewards card for businesses that want simple miles, premium travel perks, and airport lounge access.

Cardholders earn 2x miles on every purchase, plus higher rewards on eligible travel booked through Capital One. The annual fee is higher than basic business travel cards, so it’s best for frequent travelers who will use the card’s travel benefits.