Business Credit Cards
Table of Contents
Business owners are well aware that every dollar they spend is crucial. Using a credit card to make the most of business purchases may be a profitable technique.
Business credit cards can provide a number of advantages. Rewards or cash back, loyalty points, travel protections, and spending control are all examples of these. The key to getting the greatest business card for you is figuring out which of those criteria are important to your company and what you value the most: Rewards, cash back, and credit-building assistance are all available.
Ink Business Unlimited® Credit Card
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
The card’s straightforward flat-rate rewards scheme, which does not need time to administer and optimize, will appeal to busy business owners.
Unlimited 1.5% cash back rewards on purchases
No annual fee
Generous welcome bonus
0% Intro APR on Purchases for 12 months
Cash back awarded as Ultimate Rewards, which can be combined with Premium Chase credit card accounts for better reward redemption options
High foreign transaction fees
Not a good card for balance transfers
Information about the card
After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
There is no annual fee.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
Employee cards allow you to earn rewards faster and at no additional expense. To get more control over your spending, set specific spending limitations.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made with your card or account information if you have Zero Liability.
On purchases, there is a 0% introductory APR for the first 12 months.
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Best Business Credit Cards
BEST OVERALL, BEST BUSINESS FLEXIBLE REWARDS, AND BEST 0% APR BUSINESS CARD
The Blue Business® Plus Credit Card from American Express
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Why Did We Choose It?
The Blue Business Plus card is a unique example of a no-annual-fee method of maximizing your rewards earnings. All purchases up to $50,000 per year will earn you 2X points. If your company is small enough to spend less than $50,000 per year, it’s a great fit. If not, spend up to $50,000 on one card, then switch to a different card for the rest of the year. Either way, you’ll come out on top.
Pros & Cons
Wide variety of airline transfer partners
No annual fee
High rewards rate on the first $50,000 in annual spending
2.7% foreign transaction fee
2 points per dollar rewards rate fall to 1 point per dollar after $50,000 in annual spending
Information about the card
Spend $3,000 in qualifying purchases on the Card within the first three months of Card membership to earn 15,000 Membership Rewards® points.
On regular business expenditures like office supplies or client dinners, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
With Expanded Buying Power, you have the ability to spend your Card above its credit limit*.
There is a limit to how much you may spend beyond your credit limit. It varies depending on your Card usage, payment history, credit history, financial resources known to American Express, and other variables.
Purchases have a 0% intro APR for the first 12 months after account establishment, then a variable rate of 13.49 percent – 21.49 percent, which is determined by your creditworthiness and other variables at account opening.
There are no annual fees to pay.
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World of Hyatt Business Credit Card
Why Did We Choose It?
The World of Hyatt Business Credit Card combines a long-term earning structure with the option to leverage card spending to increase your status with the hotel brand.
Pros & Cons
Welcome bonus
Solid earnings rates
Automatic Discoverist status
Annual fee
Low earning rate for non-bonused spending
Base-level status with the card offers limited benefits
Information about the card
75,000 Bonus Points after spending $7,500 on purchases in the first three months after activating your account.
Total of 9 points for $1 spent at Hyatt – When you use your card at Hyatt hotels, you’ll get 4 bonus points for every $1 spent. & As a World of Hyatt member, you will receive 5 Base Points for every $1 spent.
2 Bonus Points for $1 spent in your top three expenditure categories each quarter through December 31, 2012, then your top two categories each quarter after that.
2 Bonus Points for every $1 spent on gym and fitness club memberships
All other purchases get 1 Bonus Point for each $1 spent.
Spend $50 or more at any Hyatt resort and receive $50 in Hyatt statement credits up to two times every anniversary year.
For every $10,000 spent in a calendar year, you’ll earn 5 Tier-Qualifying night credits toward status and Milestone incentives.
For as long as your account is active, you’ll be a World of Hyatt Discoverist. Plus, up to five employees can be designated as Discoveries.
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United Club℠ Business card *
Up to 2X Reward Rate
Earn 2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges; Earn 2X miles per $1 spent on Inside Access from Chase purchases; Earn 1.5X miles per $1 spent on all other purchases
Why Did We Choose It?
The card is designed for business travelers who frequently fly United and enjoy a high level of comfort. The $450 yearly charge is offset by a free United Club lounge membership (worth $550 per year), making the remainder of the privileges basically free. There are no restrictions or spending categories, and you’ll earn 1.5 miles per dollar on all transactions (2-1 on United).
Pros & Cons
Luxury travel benefits including Premier Access
Free United Club membership
Visa Signature® Concierge
Free employee cards
No path to Elite status
Seat restrictions on saver award flights
$75 fee to book within 21 days of departure
High fees on award changes
Information about the card
Spend $10,000 on purchases in the first three months of your account to earn 100,000 extra miles. Offer expires on May 4, 2022.
Earn 2 miles for every $1 spent on United purchases, including tickets, Economy Plus®, in-flight meals, drinks, and Wi-Fi, as well as other United fees.
Earn 2 miles for every $1 spent on Chase Inside Access items.
On all other purchases, you’ll get 1.5X miles for every $1 you spend.
Miles can be used in a variety of ways: Book award travel on Star AllianceTM and other partner airlines; add upgrades, in-flight Wi-Fi, hotel stays, and car rentals to your trip; or redeem for products, gift cards, and once-in-a-lifetime experiences.
Priority check-in, boarding, and baggage handling privileges are just a few of the many benefits that come with flying with United. On United in-flight purchases, you’ll get a 25% discount; First and second-checked luggage are free; Upgrades to first-class seats on award tickets; Employee cards are included with United Club membership at no additional cost: Miles earned from their purchases are accumulated in your account, allowing you to earn rewards more quickly.
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Ink Business Unlimited® Credit Card
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Why Did We Choose It?
The card’s straightforward flat-rate rewards scheme, which does not need time to administer and optimize, will appeal to busy business owners.
Pros & Cons
Unlimited 1.5% cash back rewards on purchases
No annual fee
Generous welcome bonus
0% Intro APR on Purchases for 12 months
Cash back awarded as Ultimate Rewards, which can be combined with Premium Chase credit card accounts for better reward redemption options
High foreign transaction fees
Not a good card for balance transfers
Information about the card
After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
There is no annual fee.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
Employee cards allow you to earn rewards faster and at no additional expense. To get more control over your spending, set specific spending limitations.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made with your card or account information if you have Zero Liability.
On purchases, there is a 0% introductory APR for the first 12 months.
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Chase Ink Business Premier *
Up to 5X Reward Rate
5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on every purchase of $5,000 or more, and 2% cash back on every other purchase
Pros & Cons
Strong welcome offer
5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on every purchase of $5,000 or more, and 2% cash back on every other purchase
No annual fee for employee cards
Several travel and purchase protections
High annual fee
Designed to be paid in full each month
Points can’t be transferred to airline or hotel programs
Points can’t be transferred to other Ultimate Rewards-earning cards
Information about the card
After spending $10,000 on purchases in the first three months of account opening, you’ll get $1,000 in cash back.
5% cash back on all travel purchases made via Chase Ultimate Rewards®, 2.5 percent cash back on all purchases of $5,000 or more, and 2% cash back on all other purchases
$195 yearly fee 14.24 percent -22.24 percent variable APR
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Brex 30 Card
Up to 10-20X Reward Rate
Get 10-20x higher limits than traditional business credit cards while earning rewards and cashback on everything you spend, like 7x on rideshare and 2x on recurring software (credit card bill paid monthly)
Card Details
50,000 signup bonus points after spending $9,000+ in the first 30 days
Brex offers a corporate credit card designed to help companies boost their spending power and grow faster
Get 10-20x higher limits than traditional business credit cards while earning rewards and cashback on everything you spend, like 7x on rideshare and 2x on recurring software
Build business credit from day one with a card that’s automatically paid monthly
No credit check, no personal guarantee, no account fees, and no interest
Save time and money with automatic receipt-matching and built-in expense management tools to help you gain detailed insights on your spend
Issue unlimited virtual cards to your team, and set custom limits on each card
Close the books in record time with QuickBooks, Xero, NetSuite, Concur, and Expensify integrations
To get approved for a Brex card with monthly payments, businesses need a linked bank balance of at least $50,000
Brex Mastercard® issued by Emigrant Bank, Member FDIC. Brex Cash provided by Brex Treasury LLC, member FINRA and SIPC. Brex Treasury is not a bank; Brex Cash is not a bank account. Testimonials may not represent experiences of all clients. Terms apply, visit brex.com.
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Ink Business Preferred® Credit Card
Up to 3X Reward Rate
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.
Pros & Cons
Remarkable welcome bonus
No foreign transaction fee
Employee cards at no additional cost
Rewards for common business expenses
Has annual fee
Very high cash advance fee
Very high balance transfer fee
Card Details
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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 Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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Wells Fargo Business Elite Signature Card *
Up to 1.5X Reward Rate
Earn 1.5% cash back on every $1 spent3 or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
Pros & Cons
Excellent benefits and perks, like travel insurance
No foreign transaction fees
Up to 200 no-extra-cost employee cards
$125 Annual fee (waived first year)
Other cards in the the same category offer higher rewards
Cash back is only credited to your account quarterly
Card Details
Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date
Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
Travel Incidental Fee Reimbursement: up to $100 per calendar year per company
Annual Fee: $0 first year, and then $125
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Ink Business Cash® Credit Card
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; Earn unlimited 1% cash back on all other purchases
Why Did We Choose It? It offers appealing cash benefits for individuals who spend a lot of money on business, as well as a 0% introductory APR on purchases for the first 12 months after you create your account.
Pros & Cons
No additional fee for employee cards
High rewards rates in select bonus categories
Generous welcome bonus
Very high fee for cash advances & balance transfers
Spending cap on bonus categories
Low rewards rates outside of bonus categories
Card Details
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Related Posts
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
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Amazon Business Prime American Express Card *
Up to 5X Reward Rate
Earn 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership; Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers; Earn 1% Back on all other purchases
Why Did We Choose It?
If your company spends a lot of money on Amazon.com, AWS, or Whole Foods, this card’s 5% back is unbeatable – especially because there’s no annual fee. If you have a short-term cash flow problem, you can return the 5% and get 90 days of 0% APR financing on any qualified purchase. Because there is no 0% introductory APR and the usual APR is high, this card isn’t ideal for long-term financing.
Pros & Cons
No foreign transaction fee
Free employee cards include purchase controls
On each eligible purchase, choose 5% back or 90-day terms at Amazon & Whole Foods
High penalty APR
Amazon Prime membership required
No intro APR offer
Standard APR can be high, depending on your credit
Card Details
Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card
No annual fee
Choose 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
Earn 1% Back on other purchases
5% back applies to the first $120,000 in purchases each calendar year, 1% thereafter
Expense management tools, including Account Manager, Employee Cards, Account Alerts, AMEX Business App, Vendor Pay, and Year-End Summary
Amex ranked #2 in the 2018 J.D. Power U.S. Credit Card Satisfaction Study℠
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American Express Blue Business Cash™ Card
Up to 2% Reward Rate
Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back on all purchases thereafter
Pros & Cons
No annual fee
Introductory APR on purchases
Great extra benefits like purchase protection and car rental insurance
Business-oriented benefits like employee cards and authorized management accounts
Highest-earning cash back reward capped after $50,000 in annual spending
High foreign transaction fees
No low introductory APR for balance transfers
Card Details
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% 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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply
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U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Up to 3% Cash Back
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases.
Pros & Cons
No annual fee
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.
Introductory APR on balance transfers
Reward categories may not align with how some businesses spend
Foreign transaction fee
There’s a balance transfer fee which can eat into your savings when transferring a balance
Card Details
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.
1% cash back on all other eligible net purchases.
No limit on total cash back earned.
Rewards never expire.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR is currently 14.24% – 23.24%.
Great Offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021
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U.S. Bank Business Leverage® Visa Signature® Card *
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
American Express® Business Gold Card
Wyndham Rewards® Earner℠ Business Card *
The Hilton Honors American Express Business Card
Delta SkyMiles® Reserve Business American Express Card
CREDIT CARD
BEST FOR
CREDIT SCORE
ANNUAL FEE
WELCOME BONUS
The Blue Business® Plus Credit Card from American Express
Best Overall, Best Business Flexible Rewards and Best 0% APR Business Card
Excellent, Good
No annual fee
Earn 15,000 points
World of Hyatt Business Credit Card
Best Hotel Card for Businesses
Excellent, Good
$199
75,000 Bonus Points
United Club℠ Business card
Best Airline Card for Businesses
Good/Excellent
$450
100,000 miles
Ink Business Unlimited® Credit Card
Best Cash Back Business Card
Excellent, Good
$0
Earn $750 bonus cash back
Chase Ink Business Premier
Best Flat-Rate Cash Back Business Card
Good/Excellent
$195
$1,000 cash back
Brex 30 Card
Best Business Card Without a Personal Guarantee
No Credit Check
$0
50,000 points
Ink Business Preferred® Credit Card
Best High Limit Business Card
Excellent, Good
$95
Earn 100,000 bonus points
Wells Fargo Business Elite Signature Card
Best Business Card for Low Interest Rate
Good/Excellent
$125 annual fee (waived first year)
100,000 points
Ink Business Cash® Credit Card
Best No Annual Fee Business Card for Category Bonuses
Excellent, Good
$0
Earn $750 bonus cash back
Amazon Business Prime American Express Card
Best Business Card for Amazon
Good/Excellent
$0
Earn up to $125 back
American Express Blue Business Cash™ Card
Best Cash Back for Small Business
Excellent/Good
No annual fee
Earn a $250 statement credit
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Best Balance Transfer Business Card
Excellent/Good
$0
$500
U.S. Bank Business Leverage® Visa Signature® Card
Best for Varied Expenses
Excellent Credit
$0 intro annual fee, then $95
75,000 bonus points
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best Business Card for Bank of America Preferred Rewards Customers
Excellent Credit
$0
$300
American Express® Business Gold Card
Best Business Card for Automatically Enhanced Earnings
Excellent/Good
$295
Earn 70,000 points
United℠ Business Card
Best Mid-Range Airline Business Card
Excellent/Good
$0 introductory annual fee for the first year, then $99
Earn 75,000 bonus miles
Wyndham Rewards® Earner℠ Business Card
Best Business Card for Road Warriors
Good/Excellent
$95
Up to 45,000 points
The Hilton Honors American Express Business Card
Best Hotel Business Card for Global Reach
Excellent, Good
$95
Earn 130,000 points
Delta SkyMiles® Reserve Business American Express Card
Best Business Card for Lounge Access
Excellent/Good
$550
Earn 110,000 miles