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.

Updated 08-25-2016

Business Credit Card Comparison Chart

Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Ink Cash® Business Credit Card
0% Intro APR on Purchases for 12 months, then 13.49%-19.49% variableEarn $200 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 else$0Excellent
Our Rating:
Up to 5% cash back on purchases, earn $200 bonus cash back after spending $3,000 in 3 mos from account opening, intro 0% purchase and balance transfer APR for 12 months
Capital One® Spark® Cash for Business
17.24% (Variable)$500 bonus once you spend $4,500 on purchases within the 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
SimplyCash® Plus Business Credit Card from American Express
0% on Purchases for 9 months, then 12.49% - 19.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.49% (Prime Rate+ 25.99%)
  • Returned Payment Fee: Up to $38.
$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. Terms apply. $0Excellent, Good
Our Rating:
Up to 5% cash back on purchases; $250 bonus opportunity; 0% intro APR on purchases for 9 months; No annual membership fee. Terms apply.
Capital One® Spark® Cash Select for Business
0% on purchases for 9 months, then 13.24% - 21.24% (Variable)$200 bonus once you spend $3,000 on purchases within the 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% on purchases for 9 months
Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Costco Anywhere Visa® Business Card by Citi
0%* intro on purchases for 7 months on Purchases*, then 15.49%* (Variable)4% cash back on US gas (up to $7K/yr); 3% cash back at restaurants and on eligible travel; 2% on Costco purchases; 1% cash back on other purchases.No Annual Fee with your paid Costco MembershipExcellent
Our Rating:
Good for businesses that are Costco members and spend a decent amount on gas and Costco purchases
U.S. Bank Business EdgeTM Cash Rewards World EliteTM Mastercard®
12.24%-18.24% Variable; (0% for 9 months)3% cash back on cellular, gas and office supply stores; 1% cash back on all other net purchases$0*Excellent
Our Rating:
Combines cash rewards with a 9-month 0% APR on purchases, plus an extra 25% cash back bonus each year
The Plum Card® from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Returned Payment Fee: Up to $37.
1.5% discount on payments made within 10 days of statement closing date. Terms apply.$0 introductory annual fee your first year, then $250.Excellent, Good
Our Rating:
Business charge card that offers a 1.5 % discount for paying early, $600 bonus opportunity. Terms apply.
Bank of America® Cash Rewards for Business MasterCard® credit card
0% for 9 billing cycles, then 11.49% - 21.49% Variable APR on purchases$100 statement credit after spending $500 in first 60 days; Earn 3% per $1 spent at gas stations and office supply stores (up to $250,000 annually, 1% after that), 2% per $1 spent on purchases at restaurants, and 1% per $1 spent on all other purchases$0Excellent
Our Rating:
Good cash back card if you spend more on gas, restaurants and at office supply stores; $100 statement credit offer
Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Ink Plus® Business Credit Card
15.49%-19.49% 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 equal to $750 in travel, no foreign transaction fees
Capital One® Spark® Miles Select for Business
0% on purchases for 9 months, then 13.24% - 21.24% (Variable)20,000 bonus miles once you spend $3,000 on purchases within the first 3 months, 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% on purchases for 9 months
Capital One® Spark® Miles for Business
17.24% (Variable)50,000 bonus miles once you spend $4,500 on purchases within the first 3 months, 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
BuyPower Business Card from Capital One® - Get The Card That Helps You Get The Car
0% for first 12 months, then 13.49% Variable 5% earnings on purchases of GM parts, accessories & service at authorized GM dealers, 3% earnings on gas, restaurants and office supply stores, 1% earnings on all other purchases NoneExcellent
Our Rating:
If you're in the market for a Chevrolet, Buick, GMC or Cadillac, this card will help get you in the driver's seat
Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
The Blue for Business® Credit Card from American Express
0% on Purchases for 9 months, then 11.49% - 19.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49% (Prime Rate+ 21.99%)
  • Penalty APR: 29.49% (Prime Rate+ 25.99%)
  • Returned Payment Fee: Up to $37.
10,000 bonus points after making a purchase in first 3 months, 2 points per $1 for booking travel with AmEx, 1 point per $1 spent on eligible purchases. Terms apply.$0Excellent, Good
Our Rating:
10,000 bonus points after making a card purchase in first 3 months, 0% introductory APR, and flexibility to pay balances over time at a competitive APR. Terms apply.
The Business Platinum Card® from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Returned Payment Fee: Up to $37.
40,000 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. Terms apply.$450Excellent, Good
Our Rating:
Savvy business charge card with potential for racking up significant rewards and many travel benefits, somewhat pricey. Terms apply.
U.S. Bank Business EdgeTM Select Rewards
0% for 9 months, then 12.24% - 18.24% (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.
Bank of America® WorldPoints® Travel Rewards for Business Visa® credit card
0% for 9 billing cycles, then 11.49% - 21.49% Variable APR on purchases$100 statement credit after spending $500 in first 60 days; Earn 1.5 points per $1 spent on all purchases, Earn 3 points per $1 spent via the Bank of America Travel Center$0Excellent
Our Rating:
No annual membership fee; $100 statement credit offer; no foreign transaction fees
Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Starwood Preferred Guest® Business Credit Card from American Express
15.49% - 19.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49% (Prime Rate+ 21.99%)
  • Penalty APR: 29.49% (Prime Rate+ 25.99%)
  • Returned Payment Fee: Up to $37.
2 Starpoints® for each dollar of eligible purchases charged directly with hotels & resorts participating in SPG® program, 1 Starpoint® per $1 spent of all other eligible purchases. Terms apply.$0 introductory annual fee for the first year, then $95Excellent, Good
Our Rating:
Good for frequent Starwood Hotel visitors who want to earn free stays and flights. 25K point bonus opportunity. Terms apply.
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
15.49% (Variable)30,000 bonus miles opportunity; earn 2 miles for every $1 you spend on American Airlines purchases and on telecommunications, car rentals and at gas stations; 1 mile for each $1 spent on all other purchases$95, waived for first 12 months*Excellent, Good
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
15.49% - 19.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49% (Prime Rate+ 21.99%)
  • Penalty APR: 29.49% (Prime Rate+ 25.99%)
  • Returned Payment Fee: Up to $37.
30,000 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. Terms apply.$0 introductory annual fee for the first year, then $95Excellent, Good
Our Rating:
Best for those who want to earn free Delta flights and upgrades; flight value of $1.26; annual fee waived first year. Terms apply.
The Business Gold Rewards Card from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Returned Payment Fee: Up to $37.
25,000 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. Terms apply.$0 introductory annual fee for the first year, then $175Excellent, Good
Our Rating:
Combines unique Gold card benefits with reward earning potential. Terms apply.
Name & CardPurchase APRRewardsAnnual FeeCredit Needed:
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
U.S. Bank FlexPerks® Business EdgeTM Travel Rewards
12.24% - 18.24% (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® Classic for Business
23.24% (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
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Returned Payment Fee: Up to $37.
5,000 bonus points with your first purchase, 1 point per $1 spent on eligible purchases. Terms apply.$0 introductory annual fee for the first year, then $95Excellent, Good
Our Rating:
Straightforward business charge card with no interest charges or overlimit fees, earn unlimited points. Terms apply.

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.


About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2016 NextAdvisor.com - All rights reserved.

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.