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Updated
This article was reviewed by Brad Stevens, a member of the Finder Editorial Review Board and 30-year veteran of the credit industry who specializes in rehabilitating struggling banks.
The best business credit cards of 2021 let you earn the highest rewards on your business spending, while also offering helpful business tools or perks. Finder’s expert credit card team spends hundreds of hours comparing over 100 business credit cards based on several factors, including credit requirements, annual and balance transfer fees, APRs, reward opportunities, signup bonuses and additional business features. We categorized the top 10 performing business cards to help you pick the right card for your business’ growth.
★★★★★Best for rewards on office supplies, internet and phone
Ink Business Cash℠ Credit Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR
13.24% to 19.24% variable
Welcome offer
$750 cash back after spending $7,500 in the first 3 months
Rewards
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
Best for no personal guarantee required
Brex 30 Card
Min. credit score
Annual fee
Points
Welcome offer
Annual Fee
$0
Purchase APR
N/A
Balance transfer APR
N/A
Welcome offer
Up to $150,000 worth of credits and offers for business services like Amazon Web Services, Slack, Zoom, Google Ads and more
Rewards
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
★★★★★Best for unlimited cash back
Ink Business Unlimited℠ Credit Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR
13.24% to 19.24% variable
Welcome offer
$750 back after spending $7,500 in the first 3 months
Rewards
1.5% cash back on all purchases
★★★★★Best business credit card for signup bonus
Ink Business Preferred® Credit Card
Min. credit score
Annual fee
Points
Points welcome offer
Annual Fee
$95
Purchase APR
15.99% to 20.99% variable
Balance transfer APR
15.99% to 20.99% variable
Welcome offer
100,000 points after spending $15,000 in the first 3 months
Rewards
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
Best for selecting your bonus category
Bank of America® Business Advantage Cash Rewards
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 9 billing cycles (then 12.24% to 22.24% variable)
Balance transfer APR
12.24% to 22.24% variable
Welcome offer
$300 after spending $3,000 in the first 90 days
Rewards
3% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases
Best business credit card for balance transfers
U.S. Bank Business Platinum
Min. credit score
Annual fee
Rewards
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 15 billing cycles (then 11.99% to 20.99% variable)
Balance transfer APR
0% intro for the first 15 billing cycles (then 11.99% to 20.99% variable)
Welcome offer
N/A
Rewards
N/A
Best business credit card for luxury travel
The Business Platinum Card® from American Express
Min. credit score
Annual fee
Points
Points welcome offer
Annual Fee
$595
Purchase APR
Balance transfer APR
Welcome offer
85,000 points after spending $15,000 in the first 3 months
Rewards
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
Best business credit card for building credit
Wells Fargo Business Secured Credit Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
15.15% variable
Balance transfer APR
N/A
Welcome offer
N/A
Rewards
1.5% cash back on all purchases
Best for new businesses
Ramp Visa® Commercial Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
N/A
Balance transfer APR
N/A
Welcome offer
Rewards
We saw a few new additions to our business card picks for 2021. The most exciting additions are the Ramp Visa® Commercial Card and The Plum Card® from American Express, two business cards aimed at helping small or new businesses hit the ground running. Card flexibility was also an important concern over 2020 given the uncertain economic landscape, with the Bank of America® Business Advantage Cash Rewards and U.S. Bank Business Platinum offering businesses extra wiggle room in terms of rewards and balance transfers respectively.Best for payment flexibility
The Plum Card® from American Express
Min. credit score
Annual fee
N/A
Welcome offer
Annual Fee
$0 intro annual fee for the first year ($250 thereafter)
Purchase APR
N/A
Balance transfer APR
N/A
Welcome offer
N/A
Rewards
1.5% discount when you pay early
What’s changed in 2021
Card name | Best for… | Finder rating | Rewards |
---|---|---|---|
Ink Business Cash℠ Credit Card | Best for rewards on office supplies, internet and phone | Finder rating: 4.5/5 | 5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases |
Brex 30 Card | Best for no personal guarantee required | 7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases | |
Ink Business Unlimited℠ Credit Card | Best for for unlimited cash back | Finder rating: 4.1/5 | 1.5% cash back on all purchases |
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® | Best for American Airlines | 2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases | |
Bank of America® Business Advantage Cash Rewards | Best for selecting your bonus category | Finder rating: 4.4/5 | 3% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases |
Capital One® Spark® Cash for Business | Best business credit card for cash back | Finder rating: 4.4/5 | 2% cash back on all purchases |
U.S. Bank Business Platinum | Best business credit card for balance transfers | Finder rating: 3.1/5 | N/A |
The Business Platinum Card® from American Express | Best business credit card for luxury travel | Finder rating: 4.4/5 | 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 |
Wells Fargo Business Elite Signature Card | Best business credit card for signup bonus | Finder rating: 4.3/5 | 1.5% cash back or 1x points on all purchases, plus 5,000 points after spending $10,000 or more in any monthly billing period |
Wells Fargo Business Secured Credit Card | Best business credit card for building credit | Finder rating: 4.1/5 | 1.5% cash back on all purchases |
In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:
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.
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