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Business credit cards

Compare over 100 business credit cards to find the right one for your company.

Compare business credit cards

Use our table to compare business credit cards and find the most useful option for your company's needs. To start, select your credit score, select the features you want and the rewards type. Finally, select a specific card issuer if you have one in mind and browse through the selection of cards.

Name Product Rewards Purchase APR Annual fee
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Sam's Club® Business Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 in the first 3 months.

Compare up to 4 providers

This article was reviewed by Brad Stevens, a member of the Finder Editorial Review Board and 30-year veteran of the credit industry who specializes in rehabilitating struggling banks.

The best business credit cards of 2021

If you’re still not sure which business credit card is right for you, take a look at our curated list of top picks to narrow your search. Finder’s credit card experts spent hundreds of hours to bring you the best business credit cards.

How to compare credit cards for small business

Think about your business spending and cash flow when weighing business card factors that include:

  • Annual fee. Consider how much you’re willing to pay to use a business credit card each year, and determine if any perks are worth the price.
  • Personal guarantee requirement. Most business credit cards require a personal guarantee. This means you are personally liable if you fail to pay your credit card balance. Some credit cards, though, let you get the card without a personal guarantee.
  • Promotional interest rate. An intro purchase APR can help you avoid paying high-interest rates on big items or balances you transfer from other cards.
  • Cash back and rewards. Choose a business credit card that can earn rewards on what you buy most. Look for cash back, miles or points in categories that fit your needs.
  • Foreign transaction fees. A card that waives foreign transaction fees can be a great travel card option for businesses that require international trips. Many providers charge up to 3% for each purchase made outside the States or online at foreign merchants.
  • Signup bonus. The business card market is fierce, with many providers offering generous bonuses to entice you to choose theirs over competitors. Most come with spending requirements that are easy to meet with regular use.
  • Premium benefits. Rewards aren’t the only perks. You could get access to priority airline boarding, waived bag fees and other luxury travel extras. Just make sure your business can take advantage of what your card offers.

What are the pros and cons of business credit cards?

Business credit cards can help you manage your company finances, but there are drawbacks to consider.


  • Simplify bookkeeping. Get separate card statements for your card and your employees’ cards.
  • Build business credit. Build business credit with responsible card use. This can help you get better loan terms in the future.
  • Earn rewards on business spending. Earn cash back or points on purchases such as shipping, office supplies, gas or travel.
  • High credit limit. Get a higher credit line than you would with a personal card.
  • High signup bonus. Earn a higher signup bonus compared to a personal card. Keep in mind, spend requirements to earn the bonus are also higher.


  • Personal guarantee. You are personally liable for paying the card’s balance. Luckily, there are credit card options that don’t require a personal guarantee.
  • May report to personal credit. Some banks report all your business card activity, while others report only delinquencies. This can have a serious impact on your personal finances if your business fails.

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