The best business credit cards of 2019

30 April 2019

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Find a stellar business card for travel, cash back, balance transfers, average credit and more.

You run a business, and you’re out to win. A great business credit card will help you do just that.

To speed up your search for the right card, we’ve assembled the best business-focused contenders on the market. Whether you need cash back, point accelerators or travel rewards, there’s a card that’ll work for you.

Compare two of our business card picks

SimplyCash® Plus Business Credit Card from American Express

Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
No annual fee
Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors
Terms apply
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Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No annual fee
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Compare business credit cards

Updated May 20th, 2019

Name	Rewards	Purchase APR	Annual Fee
U.S. Bank Business Platinum	N/A	12.24% to 20.24% variable	$0	Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Preferred℠ Credit Card	3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases	18.24% to 23.24% variable	$95	80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®	Apply now View details	Compare	loading Fetching your data...
SimplyCash® Plus Business Credit Card from American Express	5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else	14.49%, 19.49% or 21.49% variable	$0	Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Blue Business‎℠ Plus Credit Card from American Express	2x points on everyday business purchases on up to $50,000 annually, then 1x points	15.49%, 18.49% or 21.49% variable	$0	Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card	5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases	15.49% to 21.49% variable	$0	$500 bonus cash back after you spend $3,000 in the first 3 months	Apply now View details	Compare	loading Fetching your data...
The Hilton Honors American Express Business Card	12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases	17.99% to 26.99% variable	$95	Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Gold Delta SkyMiles® Business Credit Card from American Express	Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases	17.99%, 21.99% or 26.99% variable	$0 intro annual fee for the first year ($95 thereafter)	Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees	Apply now View details	Compare	loading Fetching your data...
American Express® Business Gold Card	4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases	16.49%, 20.49% or 24.49% variable	$295	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. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Business Platinum® Card from American Express	5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases	None (Charge Card)	$595	Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Business Green Rewards Card from American Express	2x points on purchases through Amex Travel and 1x points on all other purchases	None (Charge Card)	$0 intro annual fee for the first year ($95 thereafter)	Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Plum Card® from American Express	1.5% discount when you pay early, with no cap on what you can earn back	None (Charge Card)	$0 intro annual fee for the first year ($250 thereafter)	Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Marriott Bonvoy Business™ American Express® Card	6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases	17.99% to 26.99% variable	$125	Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta Reserve for Business Credit Card	2x miles on direct Delta purchases and 1x miles on all other purchases	17.99%, 21.99% or 26.99% variable	$450	Earn 40,000 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. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Platinum Delta SkyMiles® Business Credit Card from American Express	2x miles on direct Delta purchases and 1x miles on all other purchases	17.99%, 21.99% or 26.99% variable	$195	Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Brex for Startups	7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases	None (Charge Card)	$0	The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.	Apply now View details	Compare	loading Fetching your data...
Brex for Ecommerce	N/A	None (Charge Card)	$0	60-day interest-free financing for e-commerce businesses.	Apply now View details	Compare	loading Fetching your data...

Compare up to 4 providers

Best business credit cards of 2019

The search for the top business credit cards is over — we’ve done the hard work for you. These six cards are the very best picks on the market today.

Jump to …

Spark® Cash from Capital One®
The Business Platinum® Card from American Express
The Blue Business‎℠ Plus Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express
Wells Fargo Business Secured Credit Card
Ink Business Preferred℠ Credit Card

Spark® Cash from Capital One®

Get this card if: You’re looking for business credit card for cash back.

The Spark® Cash from Capital One® credit card lets you earn unlimited cash back on all business purchases. This makes the card ideal for businesses that spend more than $250,000 annually, and businesses that don’t spend much on any particular category of purchases.

- Cash back.
  Earn unlimited 2% cash back.
- Signup bonus.
  Get $500 bonus cash back once you spend $4,500 in the first 3 months of card membership.
- No foreign transaction fee.
  Use your card freely when traveling abroad without paying any foreign transaction fees.

The Business Platinum® Card from American Express

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Get this card if: You do lots of travel.

Business owners who spend thousands of dollars a month on air travel could use the benefits offered by The Business Platinum® Card from American Express. You’ll get to enjoy premium perks, like complimentary access to more than 1,200 airport lounges worldwide, hotel benefits at select brands, 24/7 concierge services and more.

- Membership points.
  Earn 5x points on prepaid hotels and flights booked through the Amex travel site. For purchases over $5,000, you’ll earn 1.5x points up to one million points annually. For all other purchases, you’ll earn 1x points.
- Welcome offer.
  Get 50,000 bonus points when you spend $10,000 during your first 3 months of card membership. Get 25,000 additional bonus points after you spend $10,000 more during the same three months for a total of 75,000 bonus points. That’s up to $750 in rewards.
- Airline fee credit.
  Every year, you’ll get a $200 airline fee credit to use toward incidental air travel fees.

The Blue Business‎℠ Plus Credit Card from American Express

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Get this card if: You’re looking for solid balance transfers.

If you’re looking for a solid balance transfer card for your business, The Blue Business‎℠ Plus Credit Card from American Express could be worth considering. You’ll get a strong intro APR period on balance transfers and purchases (see Rates & Fees), and you’ll earn membership points on everything you buy.

- Intro APR period.
  Enjoy a 0% intro APR period on balance transfers and purchases for 12 months following your account opening. After that, you’ll pay a variable APR of 15.49%, 18.49% or 21.49%.
- Membership points.
  For every dollar spent up to $50,000 per year, you’ll earn 2 points. After reaching the cap, you’ll get 1x points. Your redemption options include flights, hotel accommodations, gift cards and shopping.
- No annual fee.
  You won’t pay an annual fee for your card or for additional employee cards.

SimplyCash® Plus Business Credit Card from American Express

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Get this card if: You spend a lot on gas.

Businesses that spend between $10,000 and $50,000 annually on gas could find the SimplyCash® Plus Business Credit Card from American Express to be the best choice. You’ll earn high cash back on purchases in three categories and flat cash back on all other purchases.

- Cash back.
  Earn 5% cash back on office supplies and wireless telephone services, 3% back on a category of your choice — including gas — and 1% back on everything else you buy. The cap for 5% and 3% cash back is $50,000 per year. After that, you’ll earn 1% back on these categories.
- Intro APR on purchases.
  Enjoy 15 months following your account opening of 0% interest on purchases (see Rates & Fees). Once the intro period passes, your rate reverts to a variable 14.49%, 19.49% or 21.49%.
- No annual fee.
  Without an annual fee, all the cash back you earn with the card comes as purely a reward. Earn more cash back with additional employee cards that also have no annual fee.

Wells Fargo Business Secured Credit Card

Get this card if: You are building or rebuilding your credit.

Businesses looking to build their credit may find the Wells Fargo Business Secured Credit Card useful. You’ll have full control over your credit line with a deposit of up to $25,000, and — with responsible use and timely payments — you’ll build your credit and you may graduate to an unsecured card.

- Build your business credit.
  Businesses with no credit history and businesses with past credit difficulties are welcome to apply for the card. Use the card responsibly to build your credit.
- Earn rewards.
  When you open your account, you can select between two reward programs — earn 1.5% cash back or earn 1.5x points. The points-earning program has additional bonuses, such as 1,000 bonus points every month you spend more than $1,000, and you’ll earn 10% bonus points for online points redemption.
- High credit line deposit.
  You can deposit from $500 up to $25,000 to act as your credit line.

Ink Business Preferred℠ Credit Card

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Get this card if: You are looking for high signup bonus.

The Chase Ink Business Preferred℠ Credit Card comes with one of the highest signup bonuses you can get for a business credit card. But that shouldn’t be the only reason to consider the card. You’ll also earn a high number of points on selected business purchases.

- Signup bonus.
  Earn 80,000 points once you spend $5,000 in the first 3 months of card membership.
- Earn rewards.
  Earn 3x points on travel, cable and phone services, advertising with social media and search engines, Internet and shopping up to $150,000 in combined purchases per year. After you reach the cap, you’ll earn 1x points, which is also the earning rate on all other purchases you make.
- Higher point value.
  You can redeem your rewards for cash back, gift cards, shopping directly with Amazon and more, but you’ll get 25% more value when you redeem your points for travel purchases made through Chase Ultimate Rewards.

How we selected our top cards

We picked our top cards by comparing several factors across available business cards, including credit requirements, annual and balance transfer fees, APRs, reward opportunities, points or cash back earned per dollar, signup bonuses and additional perks such as travel insurance. Our picks performed above and beyond the others, earning spots on our list.

What’s changed in 2019

The Business Platinum Card from Amex now offers up to $200 in annual Dell statement credits. You’ll receive one year of complimentary WeWork Platinum Global Access, which lets you enter over 300 co-working locations around the world.

At the tail end of 2018, Amex added a 35% airline bonus for eligible Membership Reward spend. The tradeoff: It removed Centurion Lounge entry at destination airports for Amex Business Platinum Card members.

The Blue Business Plus card no longer has the longest intro APR on balance transfers, but its promotional interest rate is still one of the best you’ll find.

Which type of card are you looking for?

There’s no perfect business credit card — choosing the right one boils down to what you value most. We’ve whittled the field down to six particularly strong cards, and each is a great pick in its respective category.

While looking for a card, consider where your business often spends money. Some cards give you accelerated points or cash back in a few categories, while others offer consistent rewards regardless of what you buy.

Finally, you’ll have a better chance of card approval if you apply with a good to excellent credit score of 670 or higher. A notable exception to this is the Wells Fargo Business Secured Credit Card, which accepts cardholders with average credit scores.

Frequently asked questions

There are a variety of reasons why a card might be ideal for your business. Of course, the most important are those that work for your needs and spending habits.
Often there is a primary factor that differentiates cards. For example, you may be looking for a balance transfer card. In that case, the primary consideration might be how long the 0% intro APR transfer period is.
When multiple cards are strong in a primary factor, compare the secondary features. Does a card offer a $0 annual fee, a 0% intro APR for purchases or excellent cashback options? Chances are, you’ll find a well-rounded card that’s attractive for you in every respect.
With cash back, a percentage of your spending is paid back to you. For example, if you get a 1.5% rate on $100, you’ll receive $1.50 cash back.
Points and miles are based on the same concept, except you trade them for other rewards. For example, you may get 2 miles per dollar spent — that’ll net you 200 points if you spend $100. You can later redeem those miles for rewards like vacation getaways and travel statement credit.
An intro APR period means you’ll pay a special interest rate for a certain period of time. For example, “0% intro APR on purchases for 15 months” means you’re not charged interest on any spending in the 15 months after you open your card.
Keep track of when your intro APR expires. If you haven’t paid off your purchases by the end of your intro APR, you’ll accrue interest on your balance.

Rates and fees

Megan Horner

As the publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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2 Responses

wendySeptember 13, 2017

can you suggest the best card to me, my credit ratio is 121 and my credit is 532, I need a small business loan , I was trying to get a small personal loan because i was going to use the money on a few repairs on the house but not thinking , this is a home based business so it should be included in the business loan correct? oh well either way I nee the start up money but severely credit challenged. PLEASE HELP!!!!!

desperate single mom

Reply
- finder Customer Care
  
  JoanneSeptember 14, 2017Staff
  
  Hi Wendy,
  
  Thanks for reaching out.
  Since we do not represent any company we feature on our pages, we can offer you general advice. If I may suggest, you may assess the benefits and compare them side by side and see what would best suit your needs right here for the personal loans available.
  To compare credit cards, you may want to check this link.
  
  Cheers,
  Joanne
  
  Reply

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The best business credit cards of 2019

Find a stellar business card for travel, cash back, balance transfers, average credit and more.

Compare two of our business card picks

SimplyCash® Plus Business Credit Card from American Express

Ink Business Cash℠ Credit Card

Compare business credit cards

Compare up to 4 providers

What do you want to know?

Best business credit cards of 2019

Jump to …

Spark® Cash from Capital One®

The perks

The Business Platinum® Card from American Express

The perks

The Blue Business‎℠ Plus Credit Card from American Express

The perks

SimplyCash® Plus Business Credit Card from American Express

The perks

Wells Fargo Business Secured Credit Card

The perks

Ink Business Preferred℠ Credit Card

The perks

How we selected our top cards

What’s changed in 2019

Which type of card are you looking for?

Frequently asked questions

What’s the best way to apply for a credit card?

What makes one credit card better than another?

What is APR?

What are cash back, points and miles?

What is an intro APR period?

Rates and fees

Megan Horner

Ask an Expert

2 Responses

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