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The best business credit cards of 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

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
  • Read Rates & Fees
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Ink Business Cash℠ Credit Card

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
  • Read Rates & Fees
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Updated May 20th, 2019
Name Product Rewards Purchase APR Annual Fee
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
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®
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
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
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

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.

Spark® Cash from Capital One®

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.

The Business Platinum® Card from American Express

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.

The Blue Business‎℠ Plus Credit Card from American Express

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.

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
Apply now

  • 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.

Wells Fargo Business Secured Credit Card

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.

Ink Business Preferred℠ Credit Card

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.

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.

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2 Responses

  1. Default Gravatar
    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

    • Avatarfinder 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

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