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Compare the best business credit cards of 2021
We'll help you choose the best business credit card to meet your needs.
A business credit card can take your company’s finances to the next level, but how do you choose the best business credit cards? We’ve selected the best business cards by each category—travel rewards, cash back, low interest rates and more—to help you find a the best business credit card for you.
How we chose the best business credit cards
We’ve chosen the best business 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 best business credit card for frequent travelers: Business Platinum Card from American Express
Best best business credit card for rewards: American Express Business Gold Rewards Card
The BMO Air Miles No-Fee Business Mastercard comes with a $0 annual fee, so don’t expect many frills and travel benefits. That said, it’s a regular credit card not a charge card, and you can collect Air Miles. Earn 1 Air Mile for every $20 spent on eligible purchases. If you’re looking to keep costs down, this could be the right card for your needs.
Best best business credit card for AIR MILES collectors: American Express AIR MILES for Business Card
Best best business credit card for hotel perks: Marriott Bonvoy Business American Express Card
If you travel frequently and are on the lookout for stylish and comfortable accommodations, the Marriott Bonvoy Business American Express Card could be the right card for you. Earn 5 points per $1 spent at participating Marriott properties, 3 points on gas, dining and travel and 2 points on all other spending. Terms apply Earn 60,000 Welcome Bonus Marriott Bonvoy points after you charge $5,000 in your first three months of Cardmembership. Plus, earn a $150 Statement Credit after spending $15,000 in your first year of Cardmembership. Terms apply.
Earn points that can be used toward discounted or free stays at dozens of luxury hotel brands worldwide and flights with some of the world’s leading airlines. Plus, enjoy travel insurance coverage, Employee Card Misuse Protection, Purchase Protection and other complimentary benefits.
The BMO Rewards Business Mastercard lets you save money and pay down credit card debt faster with a low purchase interest rate of just 14.99% (22.99% for cash advances).
This card also lets you earn BMO Rewards points on everyday purchases – points can be redeemed for travel and merchandise. Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
How to compare the best business credit cards
Think about your business spending and cash flow when weighing business card factors that include:
Consider how much you’re willing to pay to use a business credit card each year, and determine if any perks are worth the price.
Promotional interest rate
An intro purchase APR can help you avoid paying high-interest rates on big items or balances you transfer from other cards.
Cash back and rewards
Choose a business credit card that can earn rewards on what you buy most. Look for cash back, miles or points in categories that fit your needs.
Foreign transaction fees
A card that waives foreign transaction fees can be a great travel card option for businesses that require international trips. Many providers charge 2% or more for each purchase made outside the country.
The business card market is fierce, with many providers offering generous bonuses to entice you to choose theirs over competitors. Most come with spending requirements that are easy to meet with regular use.
Rewards aren’t the only perks. You could get access to priority airline boarding, waived bag fees and other luxury travel extras. Just make sure your business can take advantage of what your card offers.
How do I choose the best business credit cards?
In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:
- 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.
- 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.
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