Ad Disclosure

Compare Business Credit Cards

Whether you're a one-person company, or the head of a Fortune 500 empire, it's likely you'll need to pay for business-oriented expenses. That's where business credit cards come in handy. These cards separate business from personal costs, and can help manage company expenses. Some cards include rewards for using them like cash back or points, additional expense management tools to see where the money is going, and special card-member perks. We've reviewed the features and benefits of the top business credit cards from our partners, and have broken down the details below. To learn more about credit cards, see our Credit Card FAQs.

Business Credit Card Reviews & Prices

Updated 05-22-2015

Name & CardPurchase APRRewardsAnnual FeeCredit Needed: Our Rating & Bottom Line
Ink Cash® Business Card
Ink Cash<sup>®</sup> Business Card13.24% Variable
(0% for first 12 months)
Earn $300 bonus cash back after you spend $3,000 in 3 months from account opening; 5% cash back on office supplies, cable, internet & telecom, 2% on gas & dining, 1% on everything elseNoneExcellent
Our Rating:
Up to 5% cash back on purchases, earn $300 bonus cash back after spending $3,000 in 3 mos from account opening, 0% purchase and balance transfer APR for 12 months
Capital One® Spark® Cash for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business13.9% - 20.9% (Variable)$500 bonus after spending $4,500 in first 3 months; 2% cash back on all purchases$0 intro for first year; $59 after thatExcellent/Good
Our Rating:
Earn unlimited 2% cashback on all purchases with $500 bonus potential
Capital One® Spark® Cash Select for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business12.9% - 20.9% (Variable)
(0% until Nov 2015)
$200 bonus after spending $3,000 in first 3 months, 1.5% cash back on all purchases$0Excellent/Good
Our Rating:
Earn unlimited 1.5% cashback on all purchases; $200 bonus opportunity; 0% purchase APR until Nov 2015
U.S. Bank Business EdgeTM Cash Rewards
U.S. Bank Business Edge<sup>TM</sup> Cash Rewards11.99%-17.99% Variable; (0% for 15 months)3% cash back on cellular, gas and office supply stores; 1% cash back on all other net purchases$0Excellent
Our Rating:
Combines cash rewards with a 15-month 0% APR on purchases & balance transfers, plus an extra 25% cash back bonus each year
Name & Card Purchase APR Rewards Annual Fee Credit Needed: Our Rating & Bottom Line
SimplyCash® Business Card from American Express OPEN
SimplyCash<sup>®</sup> Business Card from American Express OPEN 12.24%-19.24% Variable; (0% for 9 months)$250 statement credit after spending $5K in first 6 months; 5% cash back on US office supply stores & wireless telephone service; 3% cash back on category of your choice; 1% cash back on eligible purchases N/AExcellent
Our Rating:
No limit to the amount of cash back you can earn; No annual membership fee; $250 bonus opportunity
The Plum Card® from American Express OPEN
The Plum Card<sup>®</sup> from American Express OPEN N/A1.5% discount on payments made within 10 days of statement closing date$0 introductory annual fee your first year, then $250Excellent
Our Rating:
Business charge card that offers a 1.5 % discount for paying early, $600 bonus opportunity
Ink Plus® Business Credit Card
Ink Plus<sup>®</sup> Business Credit Card15.24% Variable60,000 bonus points after spending $5K in 3 mos, 5 points per $1 spent on various office expenses, 2 points per $1 spent on fuel and hotels, 1 point per $1 spent on all purchases$95Excellent
Our Rating:
Earn rewards for everyday purchases and travel, 60,000 bonus point opportunity, no foreign transaction fees
Capital One® Spark® Miles Select for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business12.9% - 20.9% (Variable)
(0% until Nov 2015)
20,000 bonus miles after spending $3K in first 3 mos, 1.5 miles per $1 spent on all purchases$0Excellent/Good
Our Rating:
Earn 1.5 miles per $1 spent on every purchase; 20,000 mile bonus opportunity; 0% purchase APR until Nov 2015
Name & Card Purchase APR Rewards Annual Fee Credit Needed: Our Rating & Bottom Line
Capital One® Spark® Miles for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business13.9% - 20.9% (Variable)50,000 bonus miles after spending $4.5K in 3 mos, 2 miles per $1 spent on all purchases$0 intro for first year; $59 after thatExcellent/Good
Our Rating:
Earn 2x miles on every purchase, redeem for travel, cash and more
The Blue for Business® Credit Card from American Express OPEN
The Blue for Business<sup>®</sup> Credit Card from American Express OPEN0% for first 9 months, then 11.24% - 19.24% Variable2 points per $1 for booking travel with AmEx, 1 point per $1 spent on eligible purchasesNoneExcellent
Our Rating:
0% introductory APR, and flexibility to pay balances over time at a competitive APR
The Business Platinum Card® from American Express OPEN
The Business Platinum Card<sup>®</sup> from American Express OPEN N/A40,000 bonus points after spending $5,000 in first 3 months, 2 points per $1 for booking travel with AmEx, 1 point per $1 spent on eligible purchases.$450/yearExcellent
Our Rating:
Savvy business charge card with potential for racking up significant rewards and many travel benefits, somewhat pricey
U.S. Bank Business EdgeTM Select Rewards
U.S. Bank Business Edge<sup>TM</sup> Select Rewards11.99% - 17.99% (V)3 points per $1 spent in one of 3 categories of your choice, 1 point per $1 spent on all other purchases$0*Excellent
Our Rating:
Users choose one of 3 categories to earn 3x points in: day-to-day expenses, auto or travel & entertainment; 9-month 0% intro APR on purchases; 10K bonus oppt.
Name & Card Purchase APR Rewards Annual Fee Credit Needed: Our Rating & Bottom Line
Starwood Preferred Guest® Business Credit Card from American Express OPEN
Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express OPEN15.24%-19.24% Variable2 Starpoints® for each dollar of eligible purchases charged directly with hotels & resorts participating in SPG® program, 1 Starpoint® per $1 spent on eligible purchases$0 introductory annual fee for the first year, then $65Excellent
Our Rating:
Good for frequent Starwood Hotel visitors who want to earn free stays and flights
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>15.24% variable30,000 bonus miles opportunity; earn 2 miles for every $1 you spend on American Airlines purchases and on office supplies, telecommunications and car rentals; 1 mile for each $1 spent on all other purchases$95, waived for the first 12 months*Excellent
Our Rating:
Best for those who like to fly American Airlines, with perks like priority boarding and first checked bag free
Gold Delta SkyMiles® Business Credit Card from American Express
Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express15.24% -19.24% Variable30,000 bonus miles after spending $1,000 in first 3 months; 2 miles per $1 spent on eligible Delta purchases, 1 mile per $1 on eligible purchases$0 introductory annual fee for the first year, then $95Excellent
Our Rating:
Best for those who want to earn free Delta flights and upgrades; flight value of $1.26; annual fee waived first year
The Enhanced Business Gold Rewards Card from American Express OPEN
The Enhanced Business Gold Rewards Card from American Express OPENN/A25,000 bonus points after spending $5,000 in first 3 months, 3X points in one of 5 categories; 2X points on the 4 remaining categories and 1X points on other purchases.$0 introductory annual fee for the first year, then $175Excellent
Our Rating:
Combines unique Gold card benefits with reward earning potential
Name & Card Purchase APR Rewards Annual Fee Credit Needed: Our Rating & Bottom Line
U.S. Bank FlexPerks® Business EdgeTM Travel Rewards
U.S. Bank FlexPerks<sup>®</sup> Business Edge<sup>TM</sup> Travel Rewards11.99% - 17.99% (V)3 points per $1 spent on charitable contributions, 2 points per dollar spent on most cells phone purchases, 2 points per $1 spent on the category you spend the most (gas, groceries or airline travel), and 1 point per $1 spent on all purchases$0 first year; $55*/year thereafterExcellent
Our Rating:
Good pick for those interested in flexible redemption options; earn up to 20,000 bonus points
Capital One® Spark® Select for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Select for Business10.9% - 18.9% (Variable)
(0% until Feb 2016)
1 mile per $1 spent on all purchases$0Excellent/Good
Our Rating:
Earn 1 mile per $1 spent on every purchase; 0% purchase APR until Feb 2016 plus a low ongoing APR
Capital One® Spark® Classic for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business22.9% (Variable)Earn 1% cash back on all purchases$0Average/Fair/Limited
Our Rating:
Good choice for those with average credit who want to earn 1% cash back on all purchases
Business Green Rewards Card from American Express OPEN
Business Green Rewards Card from American Express OPEN N/A5,000 bonus points with your first purchase, 1 point per $1 spent on eligible purchases.$0 first year, $95/year thereafterExcellent
Our Rating:
Straightforward business charge card with no interest charges or overlimit fees, earn unlimited points

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

Select Next Advisor Blog Posts

Chase Slate Adds No Penalty APR Feature
Chase Slate, our No. 1 ranked Balance Transfer card, just added a great new feature. Now cardholders will no longer see their interest rate increase if they pay late for any reason. Many cards impose a penalty APR after just one late payment, but Chase Slate will never increase your APR for late payments. This [...]

2015 Travel Rewards Credit Card Analysis Results
Earning points and miles with a travel rewards credit card can be confusing. How can you know how much these rewards are actually worth? We've decided to take the guessing out of travel rewards by investigating the value of major travel rewards cards. Our 2015 Travel Rewards Credit Card Analysis compared the cost of travel [...]

Discover Freeze it Helps Keep Your Card Safe
If you've been watching TV in the last couple of weeks, you've probably seen a commercial for the cool new Discover Freeze it feature. It lets current Discover cardholders quickly and temporarily "freeze" their card account using their computer or smartphone app, thereby preventing new purchases, cash advances and balance transfers. Once the card has [...]

Prepaid and Secured Cards: What's the Difference?
If you have poor or limited credit, you might think it's impossible for you to get a credit card. Fortunately, that's not true. Prepaid cards and secured credit cards are two great options for people who might not qualify for a credit card. If you're trying to decide whether to get a prepaid card or [...]

Citi Simplicity: The Longest 0% APR in Town
Do you need to make a large purchase, but are worried about being able to pay it off in a timely manner? Or are you already paying interest on credit card balances that you can't pay off right away? Consider the Citi Simplicity card (a NextAdvisor advertiser). While there are many other cards with 0% [...]

Capital One and Uber Partner to Bring 20% Discount and Free Rides
Uber users who pay with a Capital One Quicksilver credit card are going to save some serious money through the end of April 2016. As a result of a recent partnership, Uber customers who pay with a Capital One Quicksilver or QuicksilverOne card between now and April 30, 2016 will receive a 20% discount credited [...]


Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.