Compare the best Mastercard business credit cards | finder.com
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Compare Mastercard business credit cards

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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 Rewards Purchase APR Annual Fee
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
N/A
0% intro for the first 7 billing cycles (then 11.49% to 22.49% variable)
$0
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
After first year cashback bonus, 3% back on the first $2,000 spent monthly on office supplies and gas, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.49% to 21.49% variable)
$0
Earn 5% cash back on the first $2,000 spent monthly on office supplies and gas in the first 12 months. After first year cashback bonus, 3% back on the first $2,000 spent monthly on office supplies and gas, then 1% after that and on all other purchases.
3x miles on Hawaiian Airlines, 2x on gas, dining and office supplies and 1x on everything else
18.24% or 27.24% variable
$99
Receive 70,000 total bonus miles after spending $1,000 in the first 90 days and after a purchase is made on an employee card.

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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 25,000 points after spending $1,000 in the first 60 days from account opening.

Promoted
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.

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% intro APRs on purchases for your first 9 billing cycles.

Our pick for a business Mastercard

Brex for Startups

  • The first corporate card for startups
  • No personal liability or security deposit needed - your personal credit score won't be affected
  • Minimum of $100,000 of funds in corporate bank account and US EIN required
  • Earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
  • Get a credit limit 10 to 20 times higher than traditional business cards
  • No foreign transaction fees
  • Build business credit - Brex partners with Experian to report your on-time payments
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Compare business credit cards

Updated June 27th, 2019
Name Product Rewards Purchase APR Annual Fee
N/A
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
0% intro for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% intro for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

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

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