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Compare business credit cards

Higher spending caps on rewards can help your bottom line.

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Compare business credit cards

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Name Product Rewards Purchase APR Annual fee
Brex 30 Card
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.
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)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
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
$0
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.
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
$95
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®.
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.
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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.

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How does a business credit card work?

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:

1. Compare & apply for a card

Look for a card that fits your needs, whether that’s a high rewards rate, an intro APR or a balance transfer offer.

2. Start earning rewards

If you opened a business card with rewards, use it on business expenses to start earning rewards.

3. Build business credit

As you pay your card off in full and on time, you’re starting to build credit for your business.

Our picks for the best business credit cards

When is a business credit card worth it?

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.

Category rewards: Ink Business Preferred® Credit Card

PurchasesMoney spentPoints earned
Office supplies7,000700
Phone and internet1,1003,300
Two travel trips$3,0006,000
Total$11,10010,000

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.

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 2% or more for each purchase made outside the States.

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.

You asked, we listened: Top 5 common questions

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.

  1. What’s the difference between a business card and a personal card?Business cards differ from personal cards because they offer perks and rewards designed around business expenses. You’ll also need a business, or to show you’re generating revenue, in order to obtain a business credit card.
  2. Can I apply for a business credit card as a freelancer? Yes. Freelancers and other individuals working “gigs” can apply for a business credit card so long as they can prove their income.
  3. Is business credit the same as personal credit? No. Building your business credit score is separate from your personal credit score.
  4. Will my business credit affect my personal credit? Generally no. However, there are a few situations in which it might affect your personal credit, such as the case of business cards with a personal guarantee.
  5. Can you get a business credit card with bad credit? There are business cards for poor credit, including secured business cards that require a deposit as collateral when opening the card.

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Read more about business credit cards

Amy Bonnett

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.

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