9+ Best business credit cards for 2023
Find a combination of useful business perks, strong rewards and flexible financing options.
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.
10 best business credit cards
- Ink Business Cash® Credit Card: Best for rewards on office supplies, Internet and phone
- : Best for no personal guarantee required
- : Best for unlimited cash back
- : Best business credit card for signup bonus
- Ramp Visa® Commercial Card: Best for new businesses
- : Best for selecting your bonus category
- U.S. Bank Business Platinum: Best business credit card for balance transfers
- : Best business credit card for luxury travel
- Delta SkyMiles® Reserve Business American Express Card: Best airline business card
- : Best hotel business card
- The Plum Card® from American Express: Best for payment flexibility
Best for rewards on office supplies, Internet and phone
Best for no personal guarantee required
Finder score: 4.9 / 5 ★★★★★
|Rewards||Up to 8x points|
|Minimum credit score||New to credit|
Best for unlimited cash back
Best business credit card for signup bonus
Best for new businesses
Ramp Visa® Commercial Card
Best for selecting your bonus category
|Rewards||From 1% cash back|
|Minimum credit score||740|
Best business credit card for balance transfers
U.S. Bank Business Platinum
|Minimum credit score||740|
Best business credit card for luxury travel
Finder score: 4.4 / 5 ★★★★★
Best airline business card
Delta SkyMiles® Reserve Business American Express Card
Finder score: 4.3 / 5 ★★★★★
Best hotel business card
Finder score: 4.8 / 5 ★★★★★
Best for payment flexibility
The Plum Card® from American Express
Finder score: 4.1 / 5 ★★★★★
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.
Compare all business credit cards
5 factors to consider when choosing 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:
- Consider why 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.
- 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.
- 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.
- 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.
- Pick a card suited to the health of your business and finances. You’ll find a few business cards on the market that don’t require a personal guarantee. This is especially valuable for startups or other businesses that are taking some risks. If your business doesn’t survive, you won’t be held liable for expenses made on your business credit card.
5 instances when you should consider a business credit card
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.
- LLC. Limited Liability Companies have one advantage — the company owner is not personally liable for the companies debts. This can keep your personal assets safe in case your company fails and can’t pay off the credit card debt.
- Small businesses. Small businesses can get the advantage of earning credit card rewards on select categories where the business spends the most. If you have multiple employees, you can set spending limits, track employee spending and simplify your bookkeeping with separate receipts.
- Freelancers and independent contractors. You don’t need to have a company to get a business credit card. All you need is an income outside of your regular employment. This can be helpful for Uber drivers, especially with a credit card with gas rewards.
- Startups. Startups can choose some of the best credit cards designed specifically for this type of business. These cards don’t require a personal guarantee and come with generous rewards on categories where a startup may spend the most.
- Self-employed. If you’re self-employed, you can still get a business credit card. With a business credit card, you get the same benefits that any other company would get with this type of card.
You can apply for a business credit card without a business
To apply for most business credit cards without a business, you need to meet the following requirements.
Why freelancers should consider a business credit card
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:
- Uber or Lyft drivers
- Online selling on Etsy, Amazon, eBay and other websites
- Airbnb and home rentals
- Babysitting and tutoring
You asked, we listened: Top 3 common questions
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.
- What’s the difference between a business card and a personal card? Business cards differ from personal cards because they offer perks and rewards designed around business expenses. You’ll also need a business, or to show you’re generating revenue, to obtain a business credit card.
- Will my business credit affect my personal credit? Generally no. However, there are a few situations where it might affect your personal credit, such as business cards with a personal guarantee.
- Can you get a business credit card with bad credit? There are business cards for poor credit, including secured business cards that require a deposit as collateral when opening the card.
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.
Credit card ratings
★★★★★ — 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.
More guides on Finder
Compare business credit cards without a personal guarantee 2023
Ensure your personal assets remain secure while still getting your business the credit it needs.
Ask an Expert