The best business credit cards of 2019

We'll help you choose a business credit card to meet your needs.

Last updated:

A business credit card can take your company’s finances to the next level – but how do you choose the right card? We’ve assembled some of the best business-focused contenders available to help you decide. Whether you need luxury travel perks, comprehensive insurance, or business tools, you can find a card that works for you.

How we chose the best business cards

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. When choosing the best business cards we considered factors including annual fees, APRs, reward opportunities, points or miles earned per dollar spent, signup bonuses and additional perks that a business owner might find valuable in a credit card, such as travel insurance or business tools.

No single business card will be the best choice for everyone, so compare your options before picking your new card.

Best for low APR: Business Platinum Card from American Express

The Business Platinum Card from American Express provides luxury travel perks including airport lounge access, concierge services and comprehensive travel insurance. It’s designed as a travel companion and business card for the frequent flyer – but is it worth the $499 annual fee?

Best for affordability: American Express Business Gold Rewards Card

The American Express Business Gold Rewards Card offers many of the luxury American Express benefits – without the high annual fee. With an annual fee of $250, you’ll get comprehensive travel insurance coverage, rewards points, access to business tools and much more.

Best for business travel: Marriott Bonvoy Business American Express Card

If you’re looking to sleep in style and comfort, the Marriott Bonvoy Business American Express Card could be the right option for you. Earn points that can be used toward discounted or free stays at over 29 luxury hotel brands worldwide.

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.

While looking for a card, consider where your business often spends money. Most cards give you accelerated points or Air Miles in a specific 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 personal credit score of 650 or higher.

Compare more business credit cards

Name Product Welcome Offer Purchase Interest Rate Annual Fee Minimum Income Credit Rating
Offers 30,000 Welcome Bonus points when you spend $5,000 in purchases within the first 3 months of membership.
19.99%
$99
N/A
Good, Excellent
Earn up to 42,000 Membership Rewards® points in the first year of card approval.
Offers 2,000 bonus AIR MILES® when you spend $5,000 within the first 3 months of membership.
N/A
$180
N/A
Good, Fair, Excellent
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
$499
N/A
Good, Excellent
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Offers 150 AIR MILES® when you spend $1,000 within the first 3 months of membership.
19.99%
$0
N/A
Fair, Good, Excellent
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
$150
N/A
Fair, Good, Excellent
Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend.
Offers 30,000 bonus points when you spend $5,000 within the first three months of card membership.
N/A
$250
N/A
Good, Excellent
Benefit from purchasing power that adjusts dynamically with your card usage and grows with your business over time when you maintain a good credit.

Compare up to 4 providers

Frequently asked questions

Was this content helpful to you? No  Yes
Go to site