NextAdvisor's

Best 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 business-related expenses. That's where business credit cards come in handy. These cards can help manage company expenses and keep business and personal costs separate — something your accountant will appreciate. A number of the best business credit cards we review also earn rewards, like cash back or points, for purchases you make with the card, have additional expense management tools to see where the money is going and offer special cardholder perks. Not sure which credit card is right for your business? We've detailed the features and benefits of the best business credit cards we've reviewed below.

Updated 09-21-2017

Business Credit Cards 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 Business Cash℠ Credit Card
0% Intro APR on Purchases for 12 months, then 14.24% - 20.24% variable.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 else$0Excellent
Our Rating:
Up to 5% cash back on purchases, earn $300 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
17.99% (Variable)$500 bonus once you spend $4,500 on purchases within 3 months from account opening; 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 13.24% - 20.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: Up to $38.
$400 bonus opportunity; 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; $400 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 13.99% - 21.99% (Variable)$200 bonus once you spend $3,000 on purchases within 3 months from account opening, 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%* for 7 months on Purchases*, then 16.24%* (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®
0% for 9 months, then 12.74% - 23.74%* (Variable)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: $38
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. Terms apply.
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
0% for 9 billing cycles, then 12.24% - 22.24% Variable APR on purchases$200 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$0.00Excellent
Our Rating:
$200 statement credit offer; Good cash back card if you spend more on gas, restaurants and at office supply stores
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 Business Preferred℠ Credit Card
16.99% - 21.99% variable.80,000 bonus points after spending $5K in 3 mos, 3 points per $1 spent on the first $150K spent in select categories, 1 point per $1 spent on all other purchases$95Excellent
Our Rating:
Earn rewards for everyday purchases and travel, 80,000 bonus point opportunity equal to $1000 in travel, no foreign transaction fees
Capital One® Spark® Miles for Business
17.99% (Variable)50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening, 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; 50,000 mile bonus opportunity.
Capital One® Spark® Miles Select for Business
0% on purchases for 9 months, then 13.99% - 21.99% (Variable)20,000 bonus miles once you spend $3,000 on purchases within 3 months from account opening, 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% intro on purchases for 9 months
GM BuyPower Business Card from Capital One® - Get The Card That Helps You Get The Car
0% intro on purchases for 12 months, then 14.24% Variable APR5% 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 $0Excellent
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 Business℠ Plus Credit Card from American Express
0% on Purchases for 15 months, then 12.24% - 20.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 15 months, then 12.24% - 20.24% Variable.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: $38
2X points everyday business purchases (ie, office supplies or client dinners), 1X point spent on eligible purchases. Terms apply.$0Excellent, Good
Our Rating:
Combines rewards with a 0% intro APR on purchases and balance transfers for 15 months
The Business Platinum® Card from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: N/A
  • Returned Payment Fee: $38
75,000 bonus point opportunity, 2 points per $1 for booking travel with AmEx, 1.5 points per $1 spent on purchases over $5K, 1 point per $1 spent on other other 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.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
0% for 9 billing cycles, then 12.24% - 22.24% Variable APR on purchasesEarn 1.5 points per $1 spent on all purchases, 3 points per $1 spent via the Bank of America Travel Center; 25,000 bonus points after spending $1,000 in first 60 days$0.00Excellent
Our Rating:
25,000 bonus points offer; No annual membership fee; no foreign transaction fees
Starwood Preferred Guest® Business Credit Card from American Express
16.24% - 20.24% 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: 26.24% (Prime Rate+ 21.99%) 
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: $38
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:
25,000 point bonus opportunity. Good for frequent Starwood Hotel visitors who want to earn free stays and flights. 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.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
16.74%-24.74% (Variable)30,000 bonus mile 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; limited-time 30,000 bonus miles opportunity
Gold Delta SkyMiles® Business Credit Card from American Express
16.24% - 20.24% 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: 26.24% (Prime Rate+ 21.99%) 
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: $38
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 $1.47; annual fee waived first year. Terms apply.
Platinum Delta SkyMiles® Business Credit Card from American Express
16.24% - 20.24% 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: 26.24% (Prime Rate+ 21.99%) 
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: $38
35,000 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.$195Excellent, Good
Our Rating:
Best for those who want to earn free Delta flights and upgrades; flight value of $1.47. 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: $38
50,000 bonus points after spending $5,000 in first 3 months, 3X points in 1 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.
Capital One® Spark® Classic for Business
23.99% (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
U.S. Bank Business EdgeTM Platinum Card
0% for 12 months, then 10.74%-18.74%* (Variable)Save money with a 0% intro APR on purchases and transfers$0*Excellent
Our Rating:
0% APR on purchases and balance transfers for 12 months plus a low ongoing APR.
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: $38
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.

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