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Compare Mastercard business credit cards

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

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Fact checked

Our pick for a business Mastercard: Brex for Startups

Brex for Startups logo

Up to $25,000

In credits as signup bonus

  • Easy-to-use charge card
  • No personal guarantee required
  • $0 annual fee for first five cards
Apply now

Mastercard is a top card provider that offers a suite of business credit cards. These cards are designed to help you manage your spending and earn rewards while increasing your purchasing power.

We evaluated Mastercard business products from the top credit card issuers, singling out the cards with standout features in their respective categories. Rewards were a major consideration. We also considered whether certain products could appeal to specific types of business owners.

Best Mastercard business credit cards

Quick look at the best mastercard business credit cards

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 logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to 3x
Points
30,000
Points welcome offer
If you’re looking for a business Mastercard that pays simple rewards, this card fits the bill. For no annual fee, you’ll earn a solid 1.5x points on all purchases. Book travel through the BofA Travel Center and earn 3x points.
  • No annual fee. You will also find no foreign transaction fees.
  • Consistent, attractive rewards. Earn 1.5x points on all purchases. Earn a great 3x points on travel through the Bank of America Travel Center.
  • Signup bonus worth $300. Earn 30,000 bonus points after you make at least $3,000 in purchases within the first 90 days of account opening.
  • Decent intro APR. Get a 0% intro APR on purchases for the first 9 billing cycles after account opening, then 11.24% to 21.24% variable.
Annual Fee $0
Purchase APR 0% intro for the first 9 billing cycles (then 11.24% to 21.24% variable)
Balance transfer APR 11.24% to 21.24% variable
Welcome offer 30,000 points after spending $3,000 in the first 90 days
Rewards 3x points on travel booked through Bank of America Travel Center and 1.5x points on all other purchases

Best business card for cash back

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

Bank of America® Business Advantage Cash Rewards Mastercard® credit card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$300
Welcome offer
This card is similar to BofA’s flagship business travel card except for its rewards. You’ll earn 3% cash back in one eligible business category of your choice, as well as 2% cash back on dining. It can be a strong pick if there’s one category in which you concentrate a lot of your spending.
  • No annual fee. Note that you will still pay foreign transaction fees.
  • Choose your category for 3% cash back. Earn 3% cash back in one category of your choice: gas stations, travel, office supply stores, TV/telecom and wireless, business consulting services and computer services. Also, earn 2% cash back on dining and 1% cash back on all other spending.
  • Signup bonus worth $300. Get a statement credit of $300 after you make at least $3,000 in purchases within the first 90 days of account opening.
Annual Fee $0
Purchase APR 0% intro for the first 9 billing cycles (then 12.24% to 22.24% variable)
Balance transfer APR 12.24% to 22.24% variable
Welcome offer $300 after spending $3,000 in the first 90 days
Rewards 3% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases

Best business card for American Airlines customers

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® logo
Credit recommended (740-850)
Read review
740
Min. credit score
$99 ongoing
Annual fee
Up to 2x
Miles
65,000
Miles welcome offer
This is a great card if you’re a frequent American Airlines flyer and you want a taste of high-level perks such as complimentary checked baggage and preferred boarding. Plus, earn 2x miles in a variety of business categories.
  • Annual fee waived for the first 12 months. After that, you will pay $99 a year. There are no foreign transaction fees.
  • Rewards in business categories. Earn 2x miles for spending on American Airlines purchases, gas stations, cable and satellite providers, car rentals and select telecommunications merchants. Earn 1x miles on all other spending.
  • American Airlines perks. Get your first checked bag free on domestic American Airlines flights, as well as preferred boarding. Also, get 25% savings on inflight food, beverage and Wi-Fi purchases when you fly American Airlines.
  • Companion Certificate. Each card year you spend $30,000 and renew your card, you will receive an American Airlines Companion Certificate for domestic travel.
Annual Fee $0 intro annual fee for the first year ($99 thereafter)
Purchase APR 15.99% to 24.99% variable
Balance transfer APR N/A
Welcome offer 65,000 miles after spending $4,000 in first 4 months
Rewards 2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
The information about CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best secured business card

Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (300-579)
Read review
300
Min. credit score
$25
Annual fee
1.5%
Cash back
n/a
Welcome offer
If you have a less-than-perfect credit score, you might be considering a secured card. The Wells Fargo Business Secured Credit Card is a strong option, offering rewards that other cards can’t match.
  • 1.5% cash back on all purchases. Alternatively, earn 1x points on all purchases, and get 1,000 bonus points each billing period your company spend is at least $1,000.
  • No foreign transaction fees. Keep in mind this card has a $25 annual fee.
Annual Fee $25
Purchase APR 15.15% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 1.5% cash back on all purchases

Best for no personal guarantee

Brex for Startups

Brex for Startups logo
Credit recommended (300-850)
Apply now
on Brex's secure site
300
Min. credit score
$0
Annual fee
Up to 7x
Points
Other
Welcome offer
Most business-card issuers require a personal guarantee, but this can be dicey if your business’ survival is very uncertain. Brex is one issuer that bucks the trend. Additionally, its Brex for Startups card offers excellent rewards in a variety of categories if you make this product your exclusive corporate card.
  • No personal guarantee. You wont be personally liable for card debt in the event of business failure.
  • Excellent rewards. If you make this your exclusive corporate card, you will earn 7x points on rideshare, 4x points through Brex Travel, 3x points at restaurants and 2x points on recurring software. You will also earn 1x points on all other spending.
  • Signup bonus. You will get access to services that Brex values at over $50,000, including credits and discounts for services such as Amazon Web Services, Google Ads, WeWork and Zoom.
Annual Fee $0
Purchase APR N/A
Balance transfer APR N/A
Welcome offer Up to $25,000 worth of credits for business services like Amazon Web Services, Salesforce, Zendesk and more
Rewards 7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases

How to choose the best Mastercard business credit card

Mastercard tailors its suite of credit cards for wide-ranging business needs. To choose the best card for your business, you’ll want to examine a few spending and business habits:

  • Your spending needs. 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® 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.
  • Annual fee. Some business credit cards come with no annual fee, while others can have a $99 annual fee or higher. Consider if the card’s perks and rewards will offset the annual fee. If they don’t, and you also think a fee will strain your budget, stick to no-annual-fee business credit cards.

Compare Mastercard business cards

Want a side-by-side look at Mastercard’s business offerings? Select the cards you want to compare by clicking each card’s “Compare” box. After you’ve selected up to 4 cards, click on the “Compare” button on the bottom pop up to start.

Name Product Rewards Purchase APR Annual fee
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.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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
27.24% 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
18.24% to 27.24% 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.
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Compare up to 4 providers

Alternatives to Mastercard business cards

If you can’t find a Mastercard business card that suits your needs, there are plenty of other business cards available from other providers. Consider taking a look at American Express business cards or Visa business cards – both offer a wide product selection catering to all types of businesses.

  • Gas stations
  • Office supply stores
  • Cell phone/service providers

If much of your business spending is dispersed throughout these categories, this card could be right up your alley.

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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