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Our pick for a business card: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
70,000-mile
Signup bonus after spending $4,000 in first 4 months
Weekly tips sent straight to your inbox
Credit card offers and features are rapidly changing in response to the COVID-19 pandemic. To bring you the most current information, Finder updates reviews and guides as changes occur. If the pandemic is impacting your finances, check out our COVID-19 credit card guide to keep your credit intact and your finances afloat during this time.
Whether you’re just starting a business or have had an operation in the works for years, getting the right business card can be an exciting step in your professional life. The needs of your business are unique, and the right credit card can meet those needs.Finder’s credit card team spends hundreds of hours researching credit cards to create helpful guides on business credit cards and to rank the top cards in the industry.
To speed up your search for the right card, we’ve assembled the best business-focused contenders on the market. If one of these don’t catch your eye, see the table below to compare options based on rewards, annual fee, APR and more.
Quick look: Best business credit cards
Best for American Airlines
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
740
Min. credit score
$99
ongoing
Annual fee
Up to
2x
Miles
70,000
Miles welcome offer
Businesses that prefer to travel with American Airlines will find a lot to love with this card, including a diverse selection of business-related earning categories, an excellent signup bonus, the ability to earn a companion certificate, and other valuable travel perks.
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
70,000 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
Best for no personal guarantee required
Brex for Startups
300
Min. credit score
$0
Annual fee
Up to
7x
Points
Other
Welcome offer
Businesses that want a credit card with no risk to their personal credit score and assets, should consider this card. You also get a generous signup bonus and you get to earn rewards on your purchases.
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
Best for rewards on office supplies, internet and phone
Ink Business Cash℠ Credit Card
670
Min. credit score
$0
Annual fee
Up to
5%
Cash back
$500
Welcome offer
This card offers a massive cashback rate on office supplies, Internet and phone services for your first $25,000 spent annually. You also earn cash back on gas and dining.
Annual Fee
$0
Purchase APR
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR
13.24% to 19.24% variable
Welcome offer
$500 cash back after spending $3,000 in the first 3 months
Rewards
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
Compare the best business rewards credit cards Best for selecting your bonus category
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
740
Min. credit score
$0
Annual fee
Up to
3%
Cash back
$300
Welcome offer
This card could be an excellent choice for your business if you want flexibility on your rewards categories. Some of the categories include gas stations, office supply stores, travel and business consulting services.
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 credit card for cash back
Capital One® Spark® Cash for Business
670
Min. credit score
$95
ongoing
Annual fee
2%
Cash back
$500
Welcome offer
This card can be ideal for businesses that spend more than $250,000 annually. It can also be a good choice for businesses that don’t spend much on any particular category of purchases.
Annual Fee
$0 intro annual fee for the first year ($95 thereafter)
Purchase APR
20.99% variable
Balance transfer APR
20.99% variable
Welcome offer
$500 after spending $4,500 in the first 3 months
Rewards
2% cash back on all purchases
Best business credit card for balance transfers
U.S. Bank Business Platinum
740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
This card has one of the longest 0% intro APR periods on balance transfers found in a business credit card. Unfortunately, you don't get to earn any rewards on your purchases.
Annual Fee
$0
Purchase APR
0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
Balance transfer APR
0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
Welcome offer
N/A
Rewards
N/A
Best business credit card for luxury travel
The Business Platinum Card® from American Express
670
Min. credit score
$595
Annual fee
Up to
5x
Points
75,000
Points welcome offer
Business owners who spend thousands of dollars a month on air travel could use the card's benefits, which include access to more than 1,200 airport lounges worldwide, hotel benefits at select brands and more.
Annual Fee
$595
Purchase APR
N/A
Balance transfer APR
N/A
Welcome offer
75,000 points after spending $15,000 in the first 3 months
Rewards
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
Compare the best business credit cards with travel rewards Best business credit card for signup bonus
Wells Fargo Business Elite Signature Card
740
Min. credit score
$125
ongoing
Annual fee
1.5%
Cash back
$1,000
Welcome offer
This card has a generous signup bonus of $1,000 once you meet the spend criteria. Also, you can enroll in a rewards program to earn either cash back or points.
Annual Fee
$0 intro annual fee for the first year ($125 thereafter)
Purchase APR
7.24% variable
Balance transfer APR
N/A
Welcome offer
$1,000 or 100,000 bonus points when you enroll in the rewards program and spend $25,000 in first 3 months
Rewards
1.5% cash back or 1x points on all purchases, plus 5,000 points after spending $10,000 or more in any monthly billing period
Best business credit card for building credit We picked our top cards by comparing several factors across available business cards, including credit requirements, annual and balance transfer fees, APRs, reward opportunities, points or cash back earned per dollar, signup bonuses and additional perks such as travel insurance. Our picks performed above and beyond the others, earning spots on our list. This year, the U.S. Bank Business Platinum landed on our list because of its long intro APR period on balance transfers. Also, the Wells Fargo Business Elite Signature Card took over the spot for best signup bonus because it offers the highest bonus reward compared to other business cards.
Wells Fargo Business Secured Credit Card
300
Min. credit score
$25
Annual fee
1.5%
Cash back
n/a
Welcome offer
Businesses with poor credit or with no credit history should consider this card; You can deposit between $500 and $25,000 to act as your credit line, and you can earn rewards on your purchases.
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
How we selected our top cards
What’s changed in 2020
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A business credit card is just like a regular credit card, but with tools specifically designed to help you streamline and manage your business spending. These tools can range from rewards or cash back for business expenses like office supplies or travel perks for employees on the move.
In addition, you can set spending controls for each employee and you can monitor their card activity. This can help you streamline your finances and avoid card misuse.
Here’s how to get started with a business card:
Look for a card that fits your needs, whether that’s a high rewards rate, an intro APR or a balance transfer offer.
If you opened a business card with rewards, use it on business expenses to start earning rewards.
Business credit cards act similarly to rewards credit cards and can be used in a similar fashion. The main reason you might find a business credit card worth it, however, comes down to your business needs and your spending capacity.
Business cards generally have much higher spending caps on rewards or offer earning categories specifically tailored to business needs. For example, you might find a business credit card that offers rewards on office supplies or phone and internet services. Many business cards also offer free additional cards for employees, which can help you rack up rewards even faster. Generally, if your business is growing, it can pay to have a business credit card.
Here’s a look at what you stand to make in rewards each month using the Ink Business Preferred® Credit Card. The Ink Business Preferred earns 3x points on travel, cable and phone, advertising, internet and shopping, on up to $150,000 each year. After and on all other purchases you’ll earn 1x points.
| Purchases | Money spent | Points earned |
|---|---|---|
| Office supplies | 7,000 | 700 |
| Phone and internet | 1,100 | 3,300 |
| Two travel trips | $3,000 | 6,000 |
| Total | $11,100 | 10,000 |
Think about your business spending and cash flow when weighing business card factors that include:
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.
An intro purchase APR can help you avoid paying high-interest rates on big items or balances you transfer from other cards.
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.
A card that waives foreign transaction fees can be a great travel card option for businesses that require international trips. Many providers charge 2% or more for each purchase made outside the States.
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.
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.
In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:
Business cards aren’t so different from standard cards, though as you’d expect from a business card there’s a bit of fine print involved. Here are the five most common questions we receive on the subject.
Amy Bonnett
Compliance Coordinator
Hi, I’m Amy! When searching for the best business credit card for our small business, my husband and I had a lot of questions about how they differ from personal credit cards. Articles like these showed us how business credit scores work, what a personal guarantee is, and whether points or cashback would give our business the most value.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
