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 feature a handful of 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 business credit cards 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 business credit cards below.

Updated 04-17-2019

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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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 15.49% - 21.49% 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 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 APR for 12 months
Capital One® Spark® Cash for Business
19.24% (Variable)Earn a $500 bonus once you spend $4,500 on purchases within 3 months from account opening. Plus, earn 2% cash back on all purchases.$0 intro for first year; $95 after thatExcellent, Good Earn unlimited 2% cashback on all purchases with $500 bonus potential
Ink Business Unlimited℠ Credit Card
0% Intro APR on Purchases for 12 months, then 15.49% - 21.49% variable$500 bonus cash back after spending $3,000 on purchases in the first 3 months; 1.5% cash back on purchases$0Excellent $500 bonus cash back opportunity; 1.5% cash back on purchases; 12-month 0% intro APR on purchases
Capital One® Spark® Cash Select for Business
0% on purchases for 9 months, then 15.24% - 23.24% (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 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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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 14.49% - 21.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99%┬áVariable.
  • Returned Payment Fee: Up to $38.
  • For the SimplyCash® Plus Business Credit Card from American Express' full details on the rates and fees, please visit the terms page.
5% cash back on U.S. office supply stores & wireless telephone service; 3% cash back on category of your choice; 1% cash back on eligible purchases. Terms apply. No annual feeGood, Excellent 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
17.49%* (Variable)4% cash back on gas (up to $7K/yr); 3% cash back at restaurants and on eligible travel; 2% on Costco purchases; 1% cash back on other purchases.$0 with your paid Costco membershipExcellent Good for businesses that are Costco members and spend a decent amount on gas and Costco purchases
U.S. Bank Business Cash Rewards World Elite MasterCard®
0%* for 9 billing cycles on purchases*, then 14.24%-25.24%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*.
  • Purchase APR: 0%* for 9 billing cycles on purchases*, then 14.24%-25.24%* (Variable).
  • Balance Transfer APR: 0%* for 9 billing cycles on balance transfers*, then 14.24%-25.24%* (Variable).
  • Balance Transfer Fee: 3%.
  • *Additional details can be found on the U.S. Bank landing page.
3% cash back on cellular, gas and office supply stores; 1% cash back on all other net purchases$0*Excellent Combines cash rewards with a 9-month 0% APR on purchases and balance transfers, plus an extra 25% cash back bonus each year
The Plum Card® from American Express
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None.
  • Returned Payment Fee: Up to $38.
  • For The Plum Card® from American Express' full details on the rates and fees, please visit the terms page.
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 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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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 14.49% - 24.49% Variable APR on purchases$300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Earn 2% cash back on dining, 3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases$0.00Excellent $300 statement credit offer; Earn bonus cash back in a category of your choice (there are 6 to choose from)
Ink Business Preferred℠ Credit Card
18.24% - 23.24% variable80,000 bonus points after spending $5,000 in 3 months, 3 points per $1 spent on the first $150,000 spent in select categories, 1 point per $1 spent on all other purchases$95Excellent Earn rewards for everyday purchases and travel, 80,000 bonus point opportunity equal to $1,000 in travel, no foreign transaction fees
U.S. Bank Business Leverage Visa Signature® Card
18.74% (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $95*, waived for the first year
  • Purchase APR: 18.74% (Variable)
  • Balance Transfer APR: 18.74% (Variable)
  • Balance Transfer Fee: 3%, $5 minimum
  • *Additional details can be found on the U.S. Bank landing page.
Earn 2X points per $1 spent in the top 2 categories where you spend the most each month; earn 1X point per $1 on all other purchases; and earn an additional point per dollar spend on purchases made within the first 365 days (up to 100,000 points).$95*, waived for the first yearExcellent Credit Up to 100,000 bonus point opportunity; Earn 2X points per $1 spent in your top 2 spending categories each month and 1X point per $1 spent on all other purchases
Capital One® Spark® Miles for Business
19.24% (Variable)Earn 50,000 miles once you spend $4,500 on purchases within 3 months from account opening. Plus, earn 2 miles per $1 spent on all purchases.$0 intro for first year; $95 after thatExcellent, Good Earn 2X miles on every purchase, redeem for travel, cash and more; 50,000-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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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® Miles Select for Business
0% on purchases for 9 months, then 15.24% - 23.24% (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 Earn 1.5 miles per $1 spent on every purchase; 20,000 mile bonus opportunity; 0% intro on purchases for 9 months
The Business Platinum® Card from American Express
N/A
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None.
  • Returned Payment Fee: Up to $38.
  • For The Business Platinum® Card from American Express' full details on the rates and fees, please visit the terms page.
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.$595Good, Excellent 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 13.49% - 23.49% 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 25,000 bonus points offer; No annual membership fee; no foreign transaction fees
Bank of America® Platinum Visa® Business credit card
0% for 7 billing cycles, then 11.49% - 22.49% Variable APR on purchases$300 statement credit offer; 0% APR for 7 billing cycles on purchases$0.00Excellent $300 statement credit offer; introductory APR on purchases
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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
American Express® Business Gold Card
16.49% - 24.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: None.
  • Returned Payment Fee: Up to $38.
  • For the American Express® Business Gold Card's full details on the rates and fees, please visit the terms page.
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Plus, earn 4X points on the 2 select categories where your business spent the most each month (up to $150,000/year in combined purchases). Terms apply.$295Good, Excellent This card has a high annual fee, but includes a 35,000-point bonus opportunity, exclusive offer valued at $3,200, high reward earning potential and Gold Card benefits. Terms apply.
Capital One® Spark® Classic for Business
25.24% (Variable)Earn 1% cash back on all purchases$0Average, Fair, Limited Good choice for those with average credit who want to earn 1% cash back on all purchases
Business Green Rewards Card from American Express
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
  • For the Business Green Rewards Card from American Express' full details on the rates and fees, please visit the terms page.
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 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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