Compare Mastercard business credit cards

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

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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.

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 Mastercard business cards

Name Product Rewards Purchase APR Annual fee
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 9 billing cycles (then 13.49% to 24.49% variable)
$0
Earn $200 cash back after you spend $1,000 on purchases in the first 90 days from account opening. Rates & Fees
Brex for Startups
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.
Brex for Ecommerce
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
28.99% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Mastercard
ARCO Business Solutions Mastercard
19.99% to 28.99% variable
Up to $180
This card offers spending flexibility, the freedom to use the cards wherever you need, detailed cost analysis, individual card control, and incremental rebates that deliver more for your fleet management system.

Compare up to 4 providers

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

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
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If you or your employees travel for business, the Bank of America 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 30,000-point bonus after you spend $3,000 in the first 90 days your account is open — equal to a $250 statement credit.

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

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
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The Bank of America Bank of America® Business Advantage Cash Rewards Mastercard® credit card lets you earn 3% cash back on one category you choose each month and 2% cash back on dining. You earn both 3% and 2% back in combined purchases for your first $50,000 annually, reverting to 1% after. 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®

The information about CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • All information about this card has been collected independently by Finder.
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It’s right in the name: This business card caters to loyal American Airline flyers. First, you can earn an introductory 65,000 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 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 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 Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and Bank of America® Business Advantage Cash Rewards Mastercard® credit card offer 0% intro APRs on purchases for your first 9 billing cycles.

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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