Best business credit cards for 2021

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

Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$750
Welcome offer

• Info
• Pros & cons
• Details

The Ink Business Cash℠ Credit Card is a great card for earning rewards on ongoing business expenses thanks to a massive cashback rate on office supplies, Internet and phone services for your first $25,000 spent annually. You also earn cash back on gas and dining, making it a decent pick for business travel, too.

• Signup bonus. Earn $750 cash bonus after you spend $7,500 in your first 3 months of card membership.
• Cash back. Earn 5% cash back on office supply stores and on Internet, cable and phone services on up to $25,000 annually in combined purchases, 1% after that. Also, earn 2% cash back at gas stations and restaurants on the first $25,000 in combined purchases, 1% after that. Earn 1% cash back on all other purchases.
• Intro APR period on purchases. Get 12 months of 0% intro APR on purchases. A variable APR of 13.24% to 19.24% applies thereafter.

• No balance transfer offer. No 0% intro APR period on balance transfers.
• Foreign transaction fees. Incur a 3% transaction fee on all purchases made abroad or online with foreign merchants.

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

Credit recommended (300-850) Apply now on Brex's secure site

300
Min. credit score

$0
Annual fee

Up to 7x
Points

Other
Welcome offer

• Info
• Pros & cons
• Details

Business cards with no personal guarantee have become more popular in 2020, thanks in part to the Brex for Startups card. By requiring no personal guarantee, the Brex 30 Card protects your personal assets should your business go belly up. You also get a unique signup bonus worth up to $150,000, as well as rewards on select purchases.

• No personal liability. This card doesn't require personal liability, a credit score, social security number or security deposits. In case your company fails, your personal assets won't be touched to pay off the card's debt.
• Earn rewards. Earn 1x points on all of your purchases. Boost your rewards when you make Brex your exclusive company card. This will make you earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x on dining, 2x on recurring software and software as a service and 1x points on everything else you buy.
• Signup bonus. With this card, you don't earn the standard credit card bonus when you meet the spend requirements. Instead, you get up to $150,000 worth of services right off the bat, including $5,000 in credit for Amazon Web Services, a 25% subscription discount of up to $375 for Salesforce, $436 credits per month for 12 months for Zendesk and more.

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

Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 1.5%
Cash back

$750
Welcome offer

• Info
• Pros & cons
• Details

If you don't want to worry about keeping track of reward categories, the Ink Business Unlimited℠ Credit Card keeps things simple. You can earn a respectable 1.5% back on all of your business purchases. The card also has a surprisingly robust welcome offer, letting you earn $750 after meeting the spend requirements.

• Cash back. Earn 1.5% cash back on all purchases.
• Signup bonus. Earn $750 cash bonus after you spend $7,500 in your first 3 months when you open your account.
• Intro APR period on purchases. Get 12 months of 0% intro APR period on purchases from the day you open your account. After that, a variable APR of 13.24% to 19.24% applies.

• Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 3% of the amount.

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

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$95
Annual fee

Up to 3x
Points

100,000
Points welcome offer

• Info
• Pros & cons
• Details

While the Business Platinum Card from Amex sports a high welcome offer, it falls short of the Chase Ink Business Preferred® Credit Card's welcome offer. Spend $15,000 in your first 3 months and you'll earn an astounding 100,000 points. This can be worth up to $1,250, making it a great windfall for business investments.

• Signup bonus. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months when you open your account. This can be worth $1,250 when you redeem your points through Chase Ultimate Rewards.
• Reward points. Earn 3x points on the first $150,000 spent per year in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines. After reaching the cap and on all other purchases, you earn 1x points.
• Points transfer. You can transfer your points in 1:1 ratio with Chase's travel partners, including British Airways, Southwest Airlines, IHG hotels and Marriott.

• Annual fee. The card costs $95 annually.
• No intro APR period. You don't get a 0% intro APR period on purchases and balance transfers.

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

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (740-850) Read review

740
Min. credit score

$0
Annual fee

Up to 3%
Cash back

$300
Welcome offer

• Info
• Pros & cons
• Details

Being able to choose your highest rewards category is a great boon when running a business. The Bank of America® Business Advantage Cash Rewards lets you choose from several common business expenses, such as office supplies and travel, while supplementing your earnings if you're a Business Platinum or Preferred Rewards member.

• Signup bonus. Get a $300 statement credit bonus after you spend $3,000 in your first 90 days of account opening.
• Cash back. Earn 3% cash back on a category of your choice: gas, office supplies, travel, telecom and wireless services, computer services and business consulting services. Earn 2% cash back on dining and 1% back on everything else you buy. However, there's a cap of $50,000 in combined purchases in the 3% and 2% categories each year, after that you'll earn 1% back.
• Potentially more cashback rewards. Get up to 75% bonus cash back on all purchases if you're a Preferred Rewards for Business Platinum member.

• No balance transfer offer. No 0% intro APR period on balance transfers.
• Foreign transaction fees. Incur a 3% foreign transaction fee for purchases made abroad of with foreign merchants.

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

Finder Rating: 3.1 / 5

★★★★★

Credit recommended (740-850) Read review Rates & fees

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740
Min. credit score

$0
Annual fee

n/a
Rewards

n/a
Welcome offer

• Info
• Pros & cons
• Details

With less balance transfer offers on the market than before, the U.S. Bank Business Platinum has become this year's best bet for business owners looking to consolidate debts. While the card doesn't offer a signup bonus or rewards, it has no annual fee. And if you need to invest in some office supplies, the card also comes with an intro APR on purchases.

• Intro APR. Enjoy a 0% intro APR for 15 billing cycles on purchases and balance transfers, reverting to a variable APR of 11.99% to 20.99%.
• No annual fee. You won't pay an annual fee to use this card.
• Spending controls. You can adjust spending on your employee cards, including their due dates and spending limits.

• No rewards. This card doesn't feature any rewards for your spending.
• Foreign transaction fees. You'll pay a 3% fee on purchases made abroad, making this card not ideal for travel.

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

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$595
Annual fee

Up to 5x
Points

85,000
Points welcome offer

• Info
• Pros & cons
• Details

Like its consumer counterpart, The Business Platinum Card® from American Express is all about luxury. You gain access to more than 1,200 airport lounges around the world, including access to the much praised Centurion Lounge. Of course, this card also comes with other luxury perks, including hotel benefits, travel credits and more.

• Global Lounge Collection. Get access to more than 1,200 airport lounges worldwide, including the Centurion Lounge, International American Express lounges and Delta Sky Club when flying Delta. To get access to Priority Pass Select, Airspace and Escape lounges, you'll need to enroll first.
• Welcome offer. Spend $15,000 on purchases in your first 3 months of card membership and get 85,000 bonus points. This is one of the higher welcome offers on the market.
• Membership rewards. Get 5x points on prepaid hotels and flights through Amex Travel and 1x points on everything else you buy. For purchases of 5,000 and more, you'll get 1.5x points up to 1 million points per year.

• High annual fee. This is one of the more expensive business cards with a $595 annual fee.
• Charge card. You'll need to pay your balance off at the end of each month if it isn't eligible for 'Pay Over Time.'

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

Finder Rating: 4.1 / 5

★★★★★

Credit recommended (300-579) Read review

300
Min. credit score

$0
Annual fee

1.5%
Cash back

n/a
Welcome offer

• Info
• Pros & cons
• Details

If you're starting a business but don't have a prior credit history, the Wells Fargo Business Secured Credit Card is a great choice for kickstarting your score. You can drop a security deposit of up to $25,000 on your account, which can help you avoid hitting a brick wall when it comes to investing. You can start with a lower security deposit if you can't dedicate a lot of funds here, but paying off your balance and building credit can help you graduate to a business card with a credit limit that isn't your own money. This card also lets you earn rewards on your card payments, which is a rarity among secured cards.

• Build credit. Build your business credit and graduate to an unsecured card with responsible card use.
• Potentially high credit limit. Deposit between $500 and $25,000 to act as your credit line.
• Cash back. Get 1.5% cash back on all purchases or 1x points plus 1,000 bonus points when you spend $1,000 or more per billing cycle.

• Requires secured deposit. You can only use the card if you make a secured deposit to act as your credit line.
• No intro APR on purchases. Any purchases you make on this card will begin accruing interest at the standard rate.

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

Credit recommended (670-850) Read review

670
Min. credit score

$0
Annual fee

Up to 1.5%
Cash back

Welcome offer

• Info
• Pros & cons
• Details

The Ramp Visa® Commercial Card is the newest business card for startups on the block and offers an array of features that can help new businesses grow. Aside from a solid rewards rate, the Ramp Visa® Commercial Card analyzes your business spending to identify areas you can save. The card also features 18 different signup bonuses, worth thousands of dollars in value.

• Ramp savings. Ramp will analyze your business spending and identify areas where your business may save, such as by eliminating redundant software subscriptions.
• Signup bonus. Ramp's unique signup bonus structure offers up to 18 different bonuses. These offers are through companies that can prove helpful to a growing business, such as Plaid or Twilio.
• Rewards.Earn a flat 1.5% cash back on all purchases.

• Charge card. Ramp Visa® Commercial Card is a charge card, which means you'll need to pay off your statement balance at the end of each month.
• Concrete signup bonuses. There isn't a 'general' signup bonus to choose from with the Ramp Visa® Commercial Card. If one of the 18 offers don't fit your needs, then you're out of luck.

Annual Fee	$0
Purchase APR	N/A
Balance transfer APR	N/A
Welcome offer
Rewards

Best for payment flexibility
The Plum Card® from American Express

Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$250 ongoing
Annual fee

Up to x
N/A

n/a
Welcome offer

• Info
• Pros & cons
• Details

The Plum Card® from American Express offers a bit more flexibility than its other business offerings. So long as you pay at least 10% of your balance before the due date, Amex offers a 60-day grace period on interest. For businesses uncertain about their finances within their first few months, this extra grace period can help keep things afloat.

• Long grace period. You'll enjoy a 60-day grace period on purchases, so long as you pay at least 10% of your balance by the listed due date.
• Payment discounts. If you pay your balance off within 10 days of closing date, you'll receive a 1.5% discount on your payment.
• No annual fee on additional cards. Any additional employee cards you use won't be charged an annual fee.

• Charge card. While you have a 60-day grace period when used correctly, the The Plum Card® from American Express is ultimately a charge card and balances must be paid in full before the end of that period.
• High annual fee. The The Plum Card® from American Express has a surprisingly large annual fee of $250 after the intro year.

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

Summary of best business credit cards

How to choose the best business credit card for you

In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:

1. Figure out the reason you need a business credit card. This includes the need for a new line of credit to invest in your business; an interest-free period to pay off your current debt; an interest-free period to make a large purchase of inventories or supplies and pay it off in the next months; luxury perks during frequent travel or the option to earn rewards on your business expenditures.
2. Determine what kind of rewards suit you best. Depending on your business needs, you can earn rewards on office supplies, gas, dining or travel purchases. Some credit cards offer flat rewards on all purchases while others have no rewards at all. Calculate which of these options would best complement your business wallet and apply for the card that offers the best value for your needs.
3. Figure out if you need to carry a balance. If part of your business card needs involve an early investment, look for a card with an intro APR on purchases or balance transfers. This can help you save on interest while you wait for your business investment to pay off. And if you need to carry a balance from time to time thereafter, look for a business card with a low ongoing purchase APR.
4. Determine the number of employee cards you need. Some business cards, but not all, offer free additional cards for employees. Such cards can let you earn additional rewards on purchases made by your employees with the employee business card. But if you don’t have as many employees and the benefits you get from the cards outweigh a potential annual fee, you could consider a more expensive credit card option.

Bottom line

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.