Ink Business Cash® Credit Card
★★★★★
Welcome Offer | $900 |
---|---|
Rewards | Up to 5% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Finder’s expert credit card team spends hundreds of hours comparing over 100 business credit cards. We based our list of the top-10 performing business cards on several factors, including:credit requirements, annual and balance transfer fees, APRs, reward opportunities, signup bonuses and additional business features. Finder’s experts provide unbiased, trustworthy evaluations of all business credit cards and providers, not just those we partner with on the site.
Ink Business Cash® Credit Card
★★★★★
Welcome Offer | $900 |
---|---|
Rewards | Up to 5% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Finder score: 4.9 / 5 ★★★★★
Welcome Offer | Other |
---|---|
Rewards | Up to 8x points |
Annual fee | $0 |
Minimum credit score | New to credit |
★★★★★
Welcome Offer | $900 |
---|---|
Rewards | Up to 1.5% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Welcome Offer | 100,000 points |
---|---|
Rewards | Up to 3x points |
Annual fee | $95 |
Minimum credit score | 670 |
Ramp Visa® Commercial Card
★★★★★
N/A N/A
Welcome Offer | $300 |
---|---|
Rewards | From 1% cash back |
Annual fee | $0 |
Minimum credit score | 740 |
U.S. Bank Business Platinum
N/A N/A
Welcome Offer | n/a |
---|---|
Rewards | None |
Annual fee | $0 |
Minimum credit score | 740 |
Finder score: 4.4 / 5 ★★★★★
Welcome Offer | 120,000 points |
---|---|
Rewards | Up to 5x points |
Annual fee | $695 |
Minimum credit score | 670 |
Delta SkyMiles® Reserve Business American Express Card
Finder score: 4.3 / 5 ★★★★★
Welcome Offer | 100,000 miles |
---|---|
Rewards | Up to 3x miles |
Annual fee | $550 |
Minimum credit score | 670 |
Finder score: 4.8 / 5 ★★★★★
Welcome Offer | 130,000 points |
---|---|
Rewards | Up to 12x points |
Annual fee | $95 |
Minimum credit score | 670 |
The Plum Card® from American Express
Finder score: 4.1 / 5 ★★★★★
Welcome Offer | n/a |
---|---|
Rewards | Up to 1.5% cash back |
Annual fee | $250 |
Minimum credit score | 670 |
The needs of a business are as varied as the need of an individual consumer. To create our best list we devised a simple list of the most common financial needs businesses are likely to encounter. From there we judged cards within these categories based on card features like bonus reward categories, reward rates, intro APR periods, travel perks and free employee cards. Those that performed best in each category based on these features were chosen for our list.
In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:
Business credit cards can help you simplify bookkeeping, build business credit and potentially earn rewards on all purchases. If you fall into one of the following categories, a business credit card may be worth considering.
To apply for most business credit cards without a business, you need to meet the following requirements.
The main benefit to getting a business card as a freelancer would be earning rewards in business-related categories like office supplies and separating personal and business expenses to simplify bookkeeping.
Types of freelancers and side hustles that can qualify you for a business credit card are:
Business cards aren’t so different from standard cards, though as you’d expect from a business card, there’s a bit of fine print involved. Here are the three most common questions we receive on the subject.
The best business credit card depends on the size of your business and what financial tools and perks you need. If none of the cards on our list feel like the right fit, compare more cards to find one that is.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
Ensure your personal assets remain secure while still getting your business the credit it needs.