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Compare the best Mastercard business credit cards – December 2018

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This top card provider offers cards to complement your business needs.

Small business owners know that it takes a lot to keep a company afloat. A business credit card is just one way to simplify your business spending, separating your personal expenses while itemizing your purchases for easy recordkeeping and end-of-year reporting. And all that hard work and sweat should reap you a few perks too, like cash back on your spending or rewards toward travel and more.

A top card provider, Mastercard offers a suite of business credit cards designed to help you manage your spending while increasing your purchasing power.

Compare Mastercard business cards

Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
11.24% to 22.24% variable
0% for the first 7 billing cycles (then 11.24% to 22.24% variable)
$0
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
14.24% to 21.24% variable
0% for the first 12 months (then 14.24% to 21.24% variable)
$0
With a SunTrust Business Credit Card, you can earn cash back, manage cash flow, pay bills, track expenses, add cardholders to your account, get automatic rebates for everyday purchases through Mastercard Easy Savings® Program, and more.
17.99% or 26.99% variable
$99
Receive 60,000 bonus miles after spending $1,000 on purchases in the first 90 days from account opening.
17.99% or 21.99% variable
$99
Earn 40,000 bonus points after spending $1,000 in the first 90 days.
Everyday Points® Business Mastercard®
Everyday Points® Business Mastercard®
12.99%, 17.99%, 20.99% or 22.99% variable
0% for the first 13 billing cycles (then 12.99%, 17.99%, 20.99% or 22.99% variable)
$0
It pays to spend on your business with Citizens Bank's no annual fee business reward card.
16.65% to 24.65% variable
$0
5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after)
AAdvantage® Aviator® Business Mastercard®
AAdvantage® Aviator® Business Mastercard®
17.99% or 26.99% variable
$95
50,000 bonus miles after making your first purchase in the first 90 days
13.24% to 23.24% variable
0% for the first 9 billing cycles (then 13.24% to 23.24% variable)
$0
Earn more travel rewards for your business purchases
13.24% to 23.24% variable
0% for the first 9 billing cycles (then 13.24% to 23.24% variable)
$0
$200 statement credit bonus after spending $500 on purchases in the first 60 days of your account opening.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening

Compare up to 4 providers

Best Mastercard business credit cards

Best business card for overall travel: Business Advantage Travel Rewards World Mastercard® credit card

Business Advantage Travel Rewards World Mastercard® credit card

Earn more travel rewards for your business purchases

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If you or your employees travel for business, the Bank of America Business Advantage Travel Rewards World Mastercard® credit card can help you get something back for all those tickets and reservations. This business card offers 3 points for every dollar you spend on airfare, hotels and car rentals booked through Bank of America’s Travel Center. You’ll earn 1.5x points on all other purchases.

True to its name, this card benefits international travelers with no foreign transaction fees. And you can take advantage of an attractive 0% intro APR on purchases for the first 9 billing cycles your account is open, helpful if you’re planning to invest in computers or other expensive equipment. Another incentive to frontloading purchases is a 25,000-point bonus after you spend $1,000 in the first two months your account is open — equal to a $250 statement credit.

Best business card for cashback: Business Advantage Cash Rewards Mastercard® credit card

Business Advantage Cash Rewards Mastercard® credit card

$200 statement credit bonus after spending $500 on purchases in the first 60 days of your account opening.

Promoted
The Bank of America Business Advantage Cash Rewards Mastercard® credit card offers tiered cash back on business purchases. You’ll earn 3% cash back on gas and office supplies on up to a generous $250,000 annually, reverting to 1% after. Restaurant purchases earn you 2% cash back — great if you have client lunches or dinners. All other purchases earn 1% cash back.

With a 0% intro APR on purchases for the first 9 billing cycles your account is open and no annual fee, this card provides multiple ways to save.

Best business card for American Airlines customers: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening

Promoted

It’s right in the name: This business card caters to loyal American Airline flyers. First, you can earn an introductory 70,000 AAdvantage miles by spending $4,000 in the first 4 months of using your card. When you book flights, you get 2 miles for every dollar spent on AA airfare. Combine that with the Reduced Mileage Awards program — which offers discounted rates on flights — and this card can seriously rack up savings for frequent American Airline flyers.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® also offers tiered rewards in select business categories: 2x miles for car rentals, telecommunication expenses and gas stations. While traveling, you’ll also enjoy a free checked bag each flight and a 25% discount on in-flight purchases.

Find the right business card

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How to compare Mastercard business credit cards

Mastercard tailors its suite of credit cards for wide-ranging business needs. Keep these factors in mind when choosing the right card for your business:

  • Your spending habits. Do you tend to spend more heavily on office supplies, fuel or client meetings at restaurants? If so, you might want to consider a card like the Bank of America Business Advantage Cash Rewards Mastercard® credit card, which earns you 3% cash back in specific business categories.
  • Travel schedule. When you travel frequently for business, you’ll want to make sure your credit card gets you the best bang for your buck. The Bank of America Business Advantage Travel Rewards World Mastercard® credit card earns you a flat 3x points on airline, hotel and car rental purchases, which can add up quickly when you’re on the road.
  • Your loyalty to a specific airline. For business travelers who prefer one airline over another, it makes sense to look into that airline’s branded business card. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers big earnings for AA enthusiasts, including a generous bonus offer at signup and miles multiples on airfare, hotels and rental cars. You’ll also get lots of benefits when flying American, such as free checked bags, discounts on in-flight purchases and concierge services.
  • If you need to make large purchases. If you’re planning to buy office furniture, computers or other big business purchases, cards with a 0% intro APR can save you money on interest. Both the Bank of America Business Advantage Travel Rewards World Mastercard® credit card and Business Advantage Cash Rewards Mastercard® credit card offer 0% APR on purchases for your first 9 billing cycles.

Compare business credit cards

Updated December 15th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.

Compare up to 4 providers

Consider a top card from Visa

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Bottom line

When you’re looking to open a Mastercard for you and your employees, you’ll find many providers targeting your business’s spending and needs, whether for overall travel, airfare or cash back. Many regional banks also offer Mastercard business credit cards.

When narrowing down the business card for you, think about where your business spends most heavily and features or rewards that can benefit your company.

Frequently asked questions

Kelly Waggoner

Kelly Waggoner is a senior editor with finder.com. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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