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13 Best Business Credit Cards in January 2025

Updated on:

We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Whether your business is well-established or just getting off the ground, you can use a business credit card to achieve your goals and improve your bottom line. Our picks for the best business credit cards can help you turn everyday expenses into cash back, offset a big purchase with a sign-up bonus and build business credit. You can even use small business credit cards to get travel perks like car rental insurance or airport lounge access on your next business trip.

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Best small business credit cards in January 2024

Winner - best small business credit card

Ink Business Preferred^® Credit Card
Secured small business credit card

Business Advantage Unlimited Cash Rewards Secured credit card
Small business credit card for new business

The American Express Blue Business Cash™ Card
Easiest small business credit card to get

FNBO Business Edition® Secured Mastercard® Credit Card
Small business credit card – no personal guarantee

Ramp Visa Corporate Card
Small business credit card – balance transfer

U.S. Bank Business Platinum Card
Small business travel card

The Business Platinum Card^® from American Express
Small business credit card – cash back + 0% intro APR

Ink Business Unlimited^® Credit Card
Small business gas credit card

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card
Small business credit card – fair credit

Capital One Spark Classic for Business
Small business credit card – low ongoing APR

PNC Visa® Business Credit Card
Small business credit card for airline miles

United℠ Business Card
Small business credit card for hotel rewards

The Hilton Honors American Express Business Card

Winner - best small business credit card

Ink Business Preferred^® Credit Card*

LendingTree's Review

4.7

Ink Business Preferred<sup>®</sup> Credit Card

LendingTree's Review

4.7

Learn More

1x – 3x points

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Valuable sign-up bonus
Flexible Ultimate Rewards® points
Rewards on common business purchases
Travel and purchase protections
Additional employee cards at no extra cost

Annual fee
Requires excellent credit for approval

The Ink Business Preferred^® Credit Card is our pick for the best small business credit card. It earns rewards on common business purchases and offers travel and purchase protections. Plus, it also comes with a competitive sign-up bonus valued at $1,000 ($1,250 if you redeem the points for travel through Chase’s travel portal). Earning and redeeming flexible Ultimate Rewards points will help you offset the card’s $95 annual fee.

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

*The information related to the Ink Business Preferred^® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card for new business

The American Express Blue Business Cash™ Card*

LendingTree's Review

4.4

The American Express Blue Business Cash™ Card

LendingTree's Review

4.4

Learn More

1 – 2% cash back

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back is redeemable for statement credits.

No annual fee
Automatic cash back rewards
Intro APR
Purchase protection¹
Flexible credit limit for large expenses

Cap on rewards earnings
Low welcome offer compared to other business cards
Foreign transaction fees

The American Express Blue Business Cash™ Card is our pick for best credit card for new businesses. If you’re strapped for cash while you get your business up and running, you’ll love earning cash back rewards on every purchase. Plus, redeeming your rewards is easy — you can apply your cash back as a statement credit.

Along with no annual fee, there’s also a welcome offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. It also offers an introductory APR — you’ll get 0% on purchases for 12 months from date of account opening. After that, the APR is 17.49% - 25.49% variable.

*To see rates & fees for The American Express Blue Business Cash™ Card, please click here.

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

*The information related to the The American Express Blue Business Cash™ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Easiest small business credit card to get

FNBO Business Edition® Secured Mastercard® Credit Card*

LendingTree's Review

0.3

FNBO Business Edition® Secured Mastercard® Credit Card

LendingTree's Review

0.3

Learn More

on First National Bank Of Omaha's secure site

High credit limit

Get approved for a high credit limit based on how much you put in your security deposit.

Customize your credit limit
Earn interest on your security deposit
Car rental insurance

Annual fee
Security deposit required
Foreign transaction fee

The FNBO Business Edition® Secured Mastercard® Credit Card is easy to get, since it’s accessible to business owners with limited / poor / fair credit. Cardholders must submit a security deposit that will serve as 110% of their credit line and pay a $39 annual fee. With regular, on-time payments, small business owners can boost their credit score and apply for one of the unsecured cards on this list.

Credit limit up to $100,000
$39 annual fee
25.99% APR

*The information related to the FNBO Business Edition® Secured Mastercard® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – no personal guarantee

Ramp Visa Corporate Card*

Learn More

on Celtic Bank's secure site

1.5% cash back

1.5% cash back on all card spend.

No personal credit check or guarantee
$0 annual fee
Cash back on every purchase
Access to accounting and expense management software

Stringent approval process
Must pay off card in full every month

Cash back rewards and access to best-in-class accounting software make the Ramp Visa Corporate Card the best business credit card without a personal guarantee. It’s an excellent choice if you’re an established business owner and want a high-level overview of your spending — just make sure you can afford to pay off the card in full every month.

However, because it’s a corporate credit card and doesn’t require a personal guarantee, the Ramp Visa Corporate Card has stricter eligibility requirements than the other cards on this list.

Earn 1.5% cash back on every purchase
No annual fee, card replacement fees, late fees or interest
Unlimited corporate cards
Actionable insights and reporting, including a dashboard for company expenses
Automated accounting

*The information related to the Ramp Visa Corporate Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – balance transfer

U.S. Bank Business Platinum Card*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

N/A. After that, a 16.99% to 25.99% Variable APR applies.

$0 annual fee
Long intro APR for balance transfers and purchases

No rewards program
Foreign transaction fees
Limited benefits

If you need time to pay off debt on another business credit card, consider applying for the U.S. Bank Business Platinum Card. This card has a N/A — one of the longest intro APRs on the market for a business credit card. It can give you breathing room to pay off the card and build your business credit. After the intro period, the APR on balance transfers is 16.99% to 25.99% Variable.

Pro tip: The U.S. Bank Business Platinum Card also offers a 0% intro APR on purchases for 18 billing cycles, making it a solid choice for business owners who need to finance a big-ticket item. After the intro period, the APR on purchases is 16.99% to 25.99% Variable.

Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR of 16.99% to 25.99% Variable.
U.S. Bank Business Platinum Card
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2024 World's Most Ethical Company® - Ethisphere Institute
Terms and conditions apply

*The information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business travel card

The Business Platinum Card^® from American Express*

LendingTree's Review

4.4

The Business Platinum Card<sup>®</sup> from American Express

LendingTree's Review

4.4

Learn More

1x – 5x points

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. 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.

$1,000+ worth of credits for travel and business purchases
Valuable welcome offer
Access to world’s largest network of airport lounges
Travel protections

$695 annual fee
Limited acceptance compared to Visa and Mastercard

We recommend The Business Platinum Card^® from American Express for frequent business travelers who want great benefits and travel credits. More than $1,000 in travel and business credits make this card worth its steep $695 annual fee for frequent flyers. However, those who only travel occasionally should consider other business travel cards.

*To see rates & fees for The Business Platinum Card^® from American Express, please click here.

Welcome 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.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
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.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

*The information related to the The Business Platinum Card^® from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – cash back + 0% intro APR

Ink Business Unlimited^® Credit Card*

LendingTree's Review

4.6

Ink Business Unlimited<sup>®</sup> Credit Card

LendingTree's Review

4.6

Learn More

1.5% cash back

Earn unlimited 1.5% cash back on every purchase made for your business.

Cash back on all purchases
Intro APR on purchases
Valuable sign-up bonus
$0 annual fee
Additional employee cards at no extra cost

Foreign transaction fees
Requires good / excellent credit for approval

The Ink Business Unlimited^® Credit Card is best for small business owners looking for a card with flexibility, a simple rewards structure and an intro APR. You’ll earn unlimited 1.5% cash back on every purchase made for your business, so you won’t have to worry about different earning categories or spending caps.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

*The information related to the Ink Business Unlimited^® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business gas credit card

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card*

LendingTree's Review

3.2

Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card

LendingTree's Review

3.2

Learn More

1 – 3% cash back

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), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

$0 annual fee
Sign-up bonus
Customizable cash back

Foreign transaction fees
Spending cap on highest cash back rate

Our pick for best business gas credit card is the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card. You’ll earn a high rate of cash back on the first $50,000 you spend in the category of your choice, including gas. Plus, this card is worth keeping in your wallet for other business expenses, since you’ll earn cash back on every purchase.

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% - 27.49% Variable APR will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

*The information related to the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card - fair credit

Capital One Spark Classic for Business*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Qualify with fair credit
$0 annual fee*
Earn cash back on every purchase
Foreign transaction fees: $0*
Additional employee cards at no extra cost*

Limited rewards program
High APR*

If you’re looking for the best business credit card for fair credit, we recommend the Capital One Spark Classic for Business. It’s our pick because it offers competitive cash back rates while remaining accessible to business owners with fair credit. Further, you won’t be on the hook for an annual fee — this card charges $0* — and there’s no need to worry about foreign transaction fees, as there are $0*.

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
No annual fee
Build and strengthen credit for your business by using this credit card responsibly
$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 1% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

*The information related to the Capital One Spark Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card – low ongoing APR

PNC Visa® Business Credit Card*

LendingTree's Review

3.3

LendingTree's Review

3.3

Learn More

Low ongoing purchase APR of 17.24% to 27.24% Variable

Low ongoing purchase APR of 17.24% to 27.24% Variable.

Low APR
$0 annual fee
Intro APR on balance transfers

No rewards program
Limited benefits
Foreign transaction fee: 3%

We recommend the PNC Visa® Business Credit Card if you’re looking for a business credit card with low interest rates. Its low ongoing purchase APR makes it a solid choice for business owners who need to carry a balance from month to month. Plus, you’ll save on fees, as it offers a $0 annual fee.

0% intro APR on balance transfers for 13 months, after which a 17.24% to 27.24% Variable APR applies
Set spending limits on employee cards
No annual fee

*The information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card for airline miles

United℠ Business Card *

LendingTree's Review

3.5

LendingTree's Review

3.5

Learn More

on Chase's secure site

1x – 2x miles

2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.

Earn miles on every purchase
Travel benefits
Valuable sign-up bonus
Foreign transaction fee: $0

Annual fee
Travel benefits limited to United

Consider the United℠ Business Card if you want to redeem airline miles and travel perks for your next business trip. You’ll earn MileagePlus® miles with every purchase you make, and receive a host of travel benefits, like a free checked bag and priority boarding on United. Plus, you can take this card abroad without worrying about paying foreign transaction fees, since the card charges $0 in exchange fees.

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

*The information related to the United℠ Business Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business credit card for hotel rewards

The Hilton Honors American Express Business Card*

LendingTree's Review

4.1

The Hilton Honors American Express Business Card

LendingTree's Review

4.1

Review Coming Soon

3x – 12x points

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 points thereafter. Terms & Limitations Apply.

$195 annual fee
Foreign transaction fee: None
Welcome offer
Generous rewards rates
Elite status benefits (enrollment required)

Potentially high APR
Rewards limited to Hilton

The Hilton Honors American Express Business Card is a great fit for frequent business travelers and Hilton loyalists. Cardholders get high rewards rates on everyday purchases for a $195 annual fee. Plus, business owners can enjoy complimentary Hilton Honors Silver status benefits on their next business trip just for having the card (enrollment required).

*To see rates & fees for The Hilton Honors American Express Business Card, please click here.

Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
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 points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

*The information related to the The Hilton Honors American Express Business Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Compare business credit cards

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Ink Business Preferred^® Credit Card* Learn More	4.7 Winner - best small business credit card	Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.	Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.	Excellent	Learn More
Business Advantage Unlimited Cash Rewards Secured credit card* Review Coming Soon	4.1 Secured small business credit card	N/A	Unlimited 1.5% cash back on all purchases	See website for details*	Review Coming Soon
The American Express Blue Business Cash™ Card* Learn More	4.4 Small business credit card for new business	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%	Good / Excellent	Learn More
FNBO Business Edition® Secured Mastercard® Credit Card* Learn More on First National Bank Of Omaha's secure site	0.3 Easiest business credit card to get	N/A	N/A	Limited / Poor / Fair	Learn More on First National Bank Of Omaha's secure site
Ramp Visa Corporate Card* Learn More on Celtic Bank's secure site	Small business credit card – no personal guarantee	N/A	1.5% cash back on all card spend	N/A	Learn More on Celtic Bank's secure site
U.S. Bank Business Platinum Card* Learn More	4.5 Small business credit card – balance transfer	N/A	N/A	Good / Excellent	Learn More
The Business Platinum Card^® from American Express* Learn More	4.4 Small business travel card	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.	5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. 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.	Good / Excellent	Learn More
Ink Business Unlimited^® Credit Card* Learn More	4.6 Small business credit card – cash back + 0% intro APR	Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.	Earn unlimited 1.5% cash back on every purchase made for your business	Good / Excellent	Learn More
Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card* Learn More	3.2 Small business gas credit card	Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.	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), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases	Excellent	Learn More
Capital One Spark Classic for Business* Learn More	4.3 Small business credit card - fair credit	N/A	Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.	Fair	Learn More
PNC Visa® Business Credit Card* Learn More	3.3 Small business credit card – low ongoing APR	N/A	N/A	Good / Excellent	Learn More
United℠ Business Card * Learn More on Chase's secure site	3.5 Small business credit card for airline miles	Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.	2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.	Good / Excellent	Learn More on Chase's secure site
The Hilton Honors American Express Business Card* Review Coming Soon	4.1 Small business credit card for hotel rewards	Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.	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 points thereafter. Terms & Limitations Apply.	Good / Excellent	Review Coming Soon

*The information for the Ink Business Preferred^® Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card, The American Express Blue Business Cash™ Card, FNBO Business Edition® Secured Mastercard® Credit Card, Ramp Visa Corporate Card, U.S. Bank Business Platinum Card, The Business Platinum Card^® from American Express, Ink Business Unlimited^® Credit Card, Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card, Capital One Spark Classic for Business, PNC Visa® Business Credit Card, United℠ Business Card and The Hilton Honors American Express Business Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

How to choose the best credit card for your small business

Consider the following factors when evaluating the best business card options:

Rewards categories

If you spend heavily in certain categories, like office supplies, look for a card that offers a higher rewards rate for these purchases. But if your spending fluctuates, a flat-rate card might be a better choice.
Points or cash back

If you’re looking for a business rewards credit card, consider whether you want to earn cash back, points or airline miles. Points and miles are typically flexible (and potentially more valuable), but a cash back card is a solid choice if you want a simple rewards structure.
Sign-up bonus

If you know you’ve got a big purchase coming up, a sign-up bonus or welcome offer can help offset the cost.
Intro APR

If you need to finance a big-ticket item over time or move debt from another card via balance transfer, you’ll want a 0% intro APR period.
Travel plans

Frequent flyers should consider cards that offer travel protections like trip cancellation insurance. And if your business trips often take you to destinations abroad, choose a card with no foreign transaction fee.
Annual fee

If you’re a new business owner or are strapped for cash, consider cards that don’t charge an annual fee. But if you want premium benefits, such as airport lounge access or credits for certain types of spending, you’ll likely need to spring for a business card with an annual fee.
Number of employees

If your small business has employees, consider a business card that offers free employee cards.

How to get a small business credit card

The process of getting a business credit card is very similar to that of getting a personal credit card. You’ll need to research and choose the best business credit card for you and submit an application.

When you apply for a business credit card, though, you’ll need to provide more information than you would on a personal credit card application. We recommend gathering the following information ahead of time:

Business name
Business address and contact information
Business industry
Your role in the business
Type of business (e.g. LLC or corporation)
Age of business
Number of employees
Personal information – Social Security number, birthdate
Employer identification number (EIN), if you have one
Annual business revenue, real or projected
Monthly spending, real or projected

Benefits of small business credit cards

The benefits of having a business credit card don’t stop at earning rewards. With a business credit card, you can:

Separate business and personal expenses
Track business spending
Manage employee spending with employee cards
Finance a big-ticket item with a 0% intro APR
Take advantage of travel protections and other perks

Pro tip: Even if you don’t need to worry about employee spending, separating your business and personal expenses makes filing taxes much easier.

How to build business credit

Card issuers don’t always report card activity to every business credit reporting agency, so your business credit card should only be part of your strategy to build your business credit. You can also consider taking out a business line of credit — making regular, on-time payments and keeping your balance low on your business line of credit will help you establish and build your business credit.

In order to build business credit with your business credit card, you should:

Pay at least the minimum. A history of late payments could harm your business credit score, so make your payments on time. If you can, pay your card off in full every month to avoid incurring interest.
Know when your 0% intro APR period ends. Make a plan to pay off your outstanding balance during the introductory APR period in order to avoid late payments.
Set spending limits on employee cards. If you issue any employee cards, setting spending limits will help you avoid racking up debt that you can’t afford to pay off.

Can you get a small business credit card with bad credit?

Your personal credit impacts your ability to get a business credit card, as most business cards require good to excellent credit. If you have a poor credit score, you should consider a secured business card, which will require you to submit a security deposit to the issuer. If you default on what you owe, the issuer can recoup the loss by confiscating the deposit, which is why secured cards are more accessible with bad credit than unsecured cards. You can also consider business credit cards that don’t run personal credit checks.

Alternatives

Frequently asked questions

Our pick for the best small business credit card is the Ink Business Preferred^® Credit Card. Its robust rewards program, generous sign-up bonus and best-in-class travel and purchase protections make it a worthwhile card for any business owner’s wallet.

A broad range of small business owners — including startups owners, freelancers and independent contractors — may be eligible to apply for a business credit card. Even if you don’t have your business structured as a limited liability company (LLC), corporation or other setup, you can likely apply for a business card as a sole proprietor. Of course, all of the cards on this page are still great picks for small business owners looking for business credit cards for an LLC.

Many cards don’t require an employer identification number (EIN) to apply. When applying for a business card as a sole proprietor, your Social Security number (SSN) should be enough.

It’s okay if you don’t yet have business revenue, as long as you have a reasonable expectation of future earnings. You may be allowed to provide an estimate on your application. Be realistic and don’t put an inflated number.

As long as you pay your bill by the due date, your business credit card generally won’t impact your personal credit score. Many issuers won’t report business credit card activity to the consumer credit bureaus if your account is in good standing.

A few issuers like Capital One and Discover do report business card activity to the consumer bureaus. In addition, many business credit cards require a personal guarantee, which means your personal credit will be on the line for any balance you accumulate with your card. Negative activity on your card will likely show up on your personal credit report. Furthermore, if your business fails, you will likely be personally responsible for repaying your credit card debt.

Business credit cards may come with higher credit limits than consumer cards, which is helpful for businesses with big expenditures. But while personal (consumer) cards have certain protections under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), business cards do not. This means, for instance, that the APR on your business card can be increased much more suddenly than the APR on a personal credit card.

A corporate credit card — sometimes called a company credit card — is designed for a large business operation. While business credit cards typically require a personal guarantee — meaning you are ultimately responsible for what’s charged to the card — corporate credit cards do not. Unlike business credit cards, corporate cards generally require you to have an established business with a large amount of revenue to qualify for an account. Small businesses generally won’t be eligible for a corporate credit card.

While many personal credit cards offer online tools for preapproval, it’s rare to find online preapproval tools for business credit cards. However, you can check directly with the issuer or in-branch with your bank to see if you’re preapproved for offers. If you’re worried about a card issuer rejecting your application, consider applying for a business credit card for people with fair credit.

Methodology

In selecting the best small business credit cards, we evaluated the following factors:

Rewards programs
Welcome offers
0% intro APRs
Travel protections
Valuable credits
Perks and benefits like free employee cards, rental car insurance and purchase protection

Some of the cards on this list charge no annual fee, while others charge high annual fees in exchange for premium benefits. Which card is best for you will depend on factors including what you spend on, whether you want to earn cash back or points, how often you travel and whether or not you need a 0% intro APR to make carrying a balance for some time more affordable.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

*The information related to the Capital One Spark Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

*To see rates & fees for The American Express Blue Business Cash™ Card, please click here.

*To see rates & fees for The Business Platinum Card^® from American Express, please click here.

*To see rates & fees for The Hilton Honors American Express Business Card, please click here.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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 related to the Ink Business Preferred^® Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card, The American Express Blue Business Cash™ Card, FNBO Business Edition® Secured Mastercard® Credit Card, Ramp Visa Corporate Card, U.S. Bank Business Platinum Card, The Business Platinum Card^® from American Express, Ink Business Unlimited^® Credit Card, Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card, Capital One Spark Classic for Business, PNC Visa® Business Credit Card, United℠ Business Card and The Hilton Honors American Express Business Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Lauren Nicholson

Expertise: Credit cards
Education: New York University

Lauren Nicholson is a staff writer at LendingTree, where she focuses on credit cards.

Before joining LendingTree, she worked in the education sector as a college counselor and marketing associate. Lauren is passionate about using clear, concise language to empower readers in times of transition, whether they’re making decisions about their finances or their education.

Lauren has a master’s degree in English from New York University.

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Winner - best small business credit card

Ink Business Preferred® Credit Card*

Small business credit card for new business

The American Express Blue Business Cash™ Card*

Easiest small business credit card to get

FNBO Business Edition® Secured Mastercard® Credit Card*

Small business credit card – no personal guarantee

Ramp Visa Corporate Card*

Small business credit card – balance transfer

U.S. Bank Business Platinum Card*

Small business travel card

The Business Platinum Card® from American Express*

Small business credit card – cash back + 0% intro APR

Ink Business Unlimited® Credit Card*

Small business gas credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*

Small business credit card - fair credit

Capital One Spark Classic for Business*

Small business credit card – low ongoing APR

PNC Visa® Business Credit Card*

Small business credit card for airline miles

United℠ Business Card *

Small business credit card for hotel rewards

The Hilton Honors American Express Business Card*

Compare business credit cards

How to choose the best credit card for your small business

How to get a small business credit card

Benefits of small business credit cards

How to build business credit

Can you get a small business credit card with bad credit?

Alternatives

Frequently asked questions

What is the best small business credit card?

Who can apply for a business credit card?

Will a business credit card affect my personal credit score and history?

What’s the difference between personal and business credit cards?

What’s the difference between small business and corporate cards?

How can I get preapproved for a small business credit card?

Methodology

Lauren Nicholson

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Ink Business Preferred^® Credit Card*

The Business Platinum Card^® from American Express*

Ink Business Unlimited^® Credit Card*

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card*