Find the Mastercard that will best suit your business needs | finder.com
businessman using MasterCard business card

Compare the best Mastercard business credit cards – October 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

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
Business Advantage Travel Rewards World Mastercard® credit card

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
Business Advantage Cash Rewards Mastercard® credit card

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
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

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

Just two clicks to see our recommendation.


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 all business cards

Updated October 23rd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
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.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% 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®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

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
Go to site