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Best business credit cards for 2022

Find a combination of useful business perks, strong rewards and flexible financing options.

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.

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

Best for rewards on office supplies, Internet and phone

Ink Business Cash® Credit Card

Finder rating 4.5 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Best for no personal guarantee required

Brex 30 Card

Finder rating 4.9 / 5 ★★★★★

Apply now
on Brex's secure site
Business cards with no personal guarantee have become more popular in recent years, 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, which is a rarity among business credit cards.

Best for unlimited cash back

Ink Business Unlimited® Credit Card

Finder rating 4.4 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Best business credit card for signup bonus

Ink Business Preferred® Credit Card

Finder rating 4.4 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Best for new businesses

Ramp Visa® Commercial Card

Finder rating 4.5 / 5 ★★★★★

Apply now
on Sutton Bank's secure site
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.

Best for selecting your bonus category

Bank of America® Business Advantage Cash Rewards

Finder rating 4.4 / 5 ★★★★★

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. To choose your highest-earning category is a rare perk.

Best business credit card for balance transfers

U.S. Bank Business Platinum

Finder rating 3.4 / 5 ★★★★★

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Terms apply, see rates & fees
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, which is like an interest-free loan.

Best business credit card for luxury travel

The Business Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
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.

Best business credit card for building credit

Wells Fargo Business Secured Credit Card

Finder rating 4.1 / 5 ★★★★★

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.

Best for payment flexibility

The Plum Card® from American Express

Finder rating 4.1 / 5 ★★★★★

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Terms apply, see rates & fees
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.

What’s changed in 2022

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.

Compare all business credit cards

If you don’t see an option that fits your financial needs on our list of best business credit cards, you can compare even more options. Take a look at other available business credit cards to find something that suits your company finances.

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:

  1. 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.
  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.
  5. 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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

  • Have an income as a freelancer or by running an online shop outside of your employment.
  • Select sole proprietor in your credit card application.
  • Use your own Social Security number as a tax ID or EIN.
  • 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
    • Freelancing
    • 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.

    1. 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.
    2. 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.
    3. 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.

    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.

    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.

    Learn the details of our methodology and scoring.

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