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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

Business Platinum Card from American Express

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The Business Platinum Card from American Express comes with a steep annual fee of $499, but the benefits can more than make up for it. If you’ve never had an American Express Small Business Card product before, you can get an enticing signup bonus. Earn a Welcome Bonus of 75,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.Build up points towards a wide range of rewards when you charge items to your card. Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases. Points never expire, and there is no limit to the amount you can earn. Plus, enjoy a generous range of travel benefits, purchase insurance (including Employee Card Misuse Protection) and a $0 fee for late payments. (This is a charge card, so you have to fully pay off your balance within the interest free period or a 30% interest rate will apply.)

Best best business credit card for rewards: American Express Business Gold Rewards Card

American Express Business Gold Rewards Card

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Although the American Express Business Gold Rewards Card has an annual fee of $199, it comes with a range of valuable benefits for business owners including purchase protection, travel benefits, Employee Card Misuse Protection and rewards points on all business purchases. Be aware that this is a charge card not a regular credit card, which means you must repay the balance in full each month or a 30% interest rate will apply.Earn 1 Membership Rewards point for every $1 spent on purchases charged to the Card. Your credit limit grows if you make payments on time and maintain a good credit history.

Best best business credit card for no annual fee: BMO Air Miles No-Fee Business Mastercard

BMO Air Miles No-Fee Business Mastercard

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. Plus, get 1.25 Miles for every $20 you spend at participating Shell stations. 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

American Express AIR MILES for Business Card

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Rack up AIR MILES faster and enjoy discounted rewards with the American Express AIR MILES for Business Card. Earn 1 AIR MILE for every $10 spent at eligible AIR MILES Sponsors and 1 AIR MILE for every $15 spent elsewhere Plus, enjoy a suite of travel benefits, purchase protection and a generous interest free repayment period. (This is a charge card, so you have to fully pay off your balance within the interest free period or a 30% interest rate will apply.)Earn twice the AIR MILES by using both your AIR MILES Collector Card and your American Express AIR MILES for Business Card at AIR MILES Sponsors. As you earn Air Miles, you'll also get a 25% discount on business rewards when you redeem your Air Miles from your Dream balance for rewards from the Air Miles for Business Rewards catalogue. This catalogue is targeted toward small business owners, providing access to helpful merchandise, packages and experiences.

Best best business credit card for hotel perks: Marriott Bonvoy Business American Express Card

Marriott Bonvoy Business American Express Card

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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. Plus, new cardmembers can earn 5 points for every $1 in purchases on eligible gas, dining and travel (excluding lodging) for the first 3 months of Cardmembership. Earn a Welcome Bonus of up to 85,000 Marriott Bonvoy points. Earn 70,000 points after you charge $5,000 in purchases to your card in your first 3 months. Plus, earn 5 points for every $1 spent on eligible gas, dining & travel (excluding lodging) for the first 3 months.

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.

Best best business credit card for low interest rate: BMO Rewards Business Mastercard

BMO Rewards Business Mastercard

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:

Annual fee

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.

Signup bonus

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.

Premium benefits

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:

  1. 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.
  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.

Compare more business credit cards

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Welcome Offer
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn up to 57,000 Membership Rewards points in your first year. Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases.
American Express Aeroplan Business Reserve Card
16.99%
21.99%
$599
N/A
Earn up to 90,000 Aeroplan points and a bonus Buddy Pass.
BMO Rewards Business Mastercard
14.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
N/A
Get 50,000 points and the $120 annual fee waived in the first year.
BMO Air Miles Business Mastercard
19.99%
22.99%
$120
N/A
Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).
BMO Cashback Business Mastercard
19.99%
22.99%
$0
N/A
Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
BMO Air Miles No-Fee Business Mastercard
19.99%
22.99%
$0
N/A
Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
Business Platinum Card from American Express
N/A
N/A
$499
N/A
Earn a Welcome Bonus of up to 100,000 Membership Rewards points ($1,000 in statement credits that you can reinvest into your business).
Marriott Bonvoy Business American Express Card
19.99%
21.99%
$150
N/A
Earn a Welcome Bonus of up to 85,000 Marriott Bonvoy points. Plus, earn 5 points for every $1 spent on eligible gas, dining & travel (excluding lodging) for the first 3 months.
American Express Business Gold Rewards Card
N/A
N/A
$199
N/A
Earn a Welcome Bonus of up to 110,000 Membership Rewards points. If redeemed for statement credit, this is $1,100 that you can reinvest in your business.
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
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