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. Lucky for you, we've reviewed the best business credit cards. If you spot the perfect card for your business, click "Apply Now" to connect with any of our partners. Business credit 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 09-21-2018

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 14.99% - 20.99% variableEarn $500 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 $500 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
18.74% (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; $95 after thatExcellent, Good
Our Rating:
Earn unlimited 2% cashback on all purchases with $500 bonus potential
New! Ink Business Unlimited℠ Credit Card
0% Intro APR on Purchases for 12 months, then 14.99% - 20.99% variable$500 bonus cash back after spending $3,000 on purchases in the first 3 months; 1.5% cash back on purchases$0Excellent
Our Rating:
$500 bonus cash back opportunity; 1.5% cash back on purchases; 12-month 0% intro APR on balance transfers and purchases
Capital One® Spark® Cash Select for Business
0% on purchases for 9 months, then 14.74% - 22.74% (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.
SimplyCash® Plus Business Credit Card from American Express
0% on purchases for 15 months, then 13.99% - 20.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
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. $0Good, Excellent
Our Rating:
Up to 5% cash back on purchases; 0% intro APR on purchases for 15 months. No annual membership fee. Terms apply.
Costco Anywhere Visa® Business Card by Citi
16.99%* (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 Edge Cash Rewards World Elite MasterCard®
0%* for 9 billing cycles on purchases*, then 13.74%-24.74%* (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: None
  • Returned Payment Fee: Up to $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.Good, Excellent
Our Rating:
Business charge card that offers a 1.5 % discount for paying early. 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.
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
0% for 9 billing cycles, then 12.99% - 22.99% Variable APR on purchases$200 statement credit when you make at least $500 in net purchases within 60 days of your account opening. Earn 3% on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% 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
Ink Business Preferred℠ Credit Card
17.74% - 22.74% variable80,000 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
18.74% (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; $95 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 14.74% - 22.74% (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
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.
GM BuyPower Business Card from Capital One® - Get The Card That Helps You Get The Car
See card issuer's website for rates and fees5% 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
The Blue Business℠ Plus Credit Card from American Express
0% on purchases for 15 months, then 12.99% - 20.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 12.99% - 20.99% Variable.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Limited-time offer: Earn 10,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months (offer ends on 09/26/18); 2X points everyday business purchases (i.e., office supplies or client dinners), 1X point spent on eligible purchases. Terms apply.$0Good, Excellent
Our Rating:
Limited-time 10,000-point opportunity (ends 09/26/18); Combines rewards with a 0% intro APR on purchases and balance transfers for 15 months. Terms apply.
The Business Platinum® Card from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Returned Payment Fee: Up to $38
75,000-point Welcome Offer: 50,000 points after spending $10,000 in first 3 months and another 25,000 points for spending an additional $10,000 in the same 3 months; 5 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.$450Good, Excellent
Our Rating:
Savvy business charge card with potential for racking up significant rewards and travel benefits; 75,000-point Welcome Offer; steep annual fee. Terms apply.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
0% for 9 billing cycles, then 12.99% - 22.99% Variable APR on purchases25,000 bonus points after spending $1,000 in first 60 days; Earn 1.5 points per $1 spent on all purchases, 3 points per $1 spent via the Bank of America Travel Center$0.00Excellent
Our Rating:
25,000 bonus points offer; No annual membership fee; 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
17.49% - 26.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Penalty APR: 29.99% Variable
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.99% Variable
  • Returned Payment Fee: Up to $38
100,000 bonus after spending $5K in first 3 months (expires 10/31/2018); 6X points per $1 spent at participating SPG and Marriott Rewards hotels, 4X points per $1 on select business and travel categories, and 2X points per $1 for all other eligible purchases. Terms apply.$0 introductory annual fee for the first year, then $95Good, Excellent
Our Rating:
Good for frequent Starwood and Marriott visitors who want to earn free stays and flights & enjoy card perks, 100,000 bonus opportunity. Terms apply.
Alaska Airlines Visa Business Card
16.74% - 24.74% Variable APR on purchasesLimited-time offer: Spend $1,000 on purchases within the first 90 days of account opening and earn 30,000 bonus miles and a Companion Fare™ ticket for the cost of taxes and fees. Earn an unlimited 3 miles per dollar spent on Alaska Airlines purchases, 1 mile per dollar on all other purchases. Plus, earn one Companion Fare™ ticket per year.$50 for the company and $25 per cardExcellent
Our Rating:
Limited-time offer of 30,000 Bonus miles when you make at least $1,000 in purchases within the first 90 days of opening your account. Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
Bank of America® Platinum Visa® Business credit card
0% for 7 billing cycles, then 10.99% - 21.99% Variable APR on purchases$200 statement credit offer; 0% APR for 7 billing cycles on purchases$0.00Excellent
Our Rating:
$200 statement credit offer; introductory APR on purchases
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
17.49% - 25.49%* (Variable)For a limited time, earn 70,000 miles after making $4,000 in purchases within the first 4 months of account opening*; Earn 2 miles per $1 spent on American Airlines purchases and on telecommunications, car rentals and at gas stations, earn 1 mile per $1 on all other purchases$99, 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 70,000-mile bonus opportunity
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 Hilton Honors American Express Business Card
17.49%-26.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
  • ‡† Click 'Apply Now' to view addition benefit and offer terms.
125,000 bonus miles after spending $3,000 on purchases in the first 3 months, 12 points for each $1 spent at hotels and resorts in the Hilton portfolio, 6 points per $1 spent on select travel and business purchases, US restaurants; 3 points spent on all other eligible purchases. Terms apply.$95Good, Excellent
Our Rating:
125,000 bonus miles after spending $3,000 on purchases in the first 3 months and ongoing opportunities to earn up to 2 free weekend nights annually. Good pick for those who frequent Hilton hotels and want to earn free nights. Terms apply.
Gold Delta SkyMiles® Business Credit Card from American Express
17.49% - 26.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
30,000 Bonus miles after you make $1,000 in purchases on your new Card within your first 3 months. 2 miles per $1 spent on eligible Delta purchases, 1 mile per $1 on all other eligible purchases. Terms apply.$0 introductory annual fee for the first year, then $95Good, Excellent
Our Rating:
Best for those who want to earn free Delta flights and upgrades; 30,000 bonus mile opportunity; annual fee waived for the first year. Terms apply.
Platinum Delta SkyMiles® Business Credit Card from American Express
0% on purchases for 6 months, then 17.49% - 26.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.99% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
50,000 Bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months and a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. 2 miles per $1 spent on eligible Delta purchases, 1 mile per $1 on all other eligible purchases. Terms apply.$195Good, Excellent
Our Rating:
Best for those who want to earn free Delta flights and upgrades; 50,000-mile bonus opportunity and an additional Medallion® Qualification Miles bonus opportunity. Terms apply.
Delta Reserve for Business Credit Card
0% on purchases for 6 months, then 17.49% - 26.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.99% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, get a 0% introductory APR for 6 months on purchases. Earn 2 miles per $1 spent on eligible Delta purchases, 1 mile per $1 on eligible purchases. Terms apply.$450Good, Excellent
Our Rating:
Good choice for those who want to earn free Delta flights and upgrades; 6-month 0% intro APR period; 70,000 bonus mile opportunity, with additional bonus mile opportunities available. 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.
The Business Gold Rewards Card from American Express OPEN
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None
  • Returned Payment Fee: Up to $38
50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership. 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 $175Good, Excellent
Our Rating:
Combines unique Gold card benefits with reward earning potential. Terms apply.
Capital One® Spark® Classic for Business
24.74% (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 Edge Platinum
0%* for 12 billing cycles on purchases*, then 11.74%-19.74%* (Variable)Save money with a 0% intro APR on purchases and transfers$0*Excellent Credit
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.
  • Penalty APR: N/A
5,000 Membership Rewards® points after your first purchase on the Card. 1 point per $1 spent on eligible purchases. Terms apply.$0 introductory annual fee for the first year, then $95Good, Excellent
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.


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