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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 08-31-2015

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 $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 elseNoneExcellent
Our Rating:
Up to 5% cash back on purchases, earn $200 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 Business16.9% (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 May 2016)
$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 May 2016
U.S. Bank Business EdgeTM Cash Rewards
U.S. Bank Business Edge<sup>TM</sup> Cash Rewards11.99%-17.99% 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
Name & Card Purchase APR Rewards Annual Fee Credit Needed: Our Rating & Bottom Line
SimplyCash® Business Card from American Express
SimplyCash<sup>®</sup> Business Card from American Express 12.24%-19.24% Variable; (0% for 9 months) Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
$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 annual membership fee; $250 bonus opportunity
The Plum Card® from American Express OPEN
The Plum Card<sup>®</sup> from American Express OPEN N/A Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Late Payment Fee: 1.5% then 2.99% of the past due amount (minimum: $38).
  • Accurate as of: 8/1/15.
1.5% 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% Variable50,000 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$0 intro for first year; $95 after thatExcellent
Our Rating:
Earn rewards for everyday purchases and travel, 50,000 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 May 2016)
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 May 2016
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 Business16.9% (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% Variable Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
2 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/A Additional Rates & Fees Additional Rates & Fees
  • Late Payment Fee: $38 or 2.99% of any past due amount, whichever is greater.
  • Foreign Transaction Fee: None.
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.$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% Variable Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: None.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
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$0 introductory annual fee for the first year, then $95Excellent
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% Variable Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: None.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
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$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
Business Gold Rewards Card from American Express OPEN
Business Gold Rewards Card from American Express OPENN/A Additional Rates & Fees Additional Rates & Fees
  • Foreign transaction fees: None.
  • Late Payment Fee: $38 or 2.99% of the past due amount, whichever is greater
  • Accurate as of: 8/1/15.
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.$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® 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/A Additional Rates & Fees Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: $38 or 2.99% of the past due amount, whichever is greater.
  • Accurate as of: 8/1/15.
5,000 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.

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