Compare Visa business cards

Consider your annual spending and favored purchasing categories.

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Whether you’ve just started a business, or have been running one for years, getting a new Visa business credit card can be an exciting step in your professional life. It can be a cost-effective way to save in categories you spend most, a way to save on interest, and more.

But choosing the right Visa business credit card for you can feel overwhelming with all the options out there. Determining which card could help your business the most depends on your annual spending, favored purchasing categories and even your travel routines. To help you narrow the choices we compared Visa business credit cards across various categories.

Our pick for a Visa business card

Ink Business Unlimited℠ Credit Card

  • No annual fee.
  • Signup bonus: $500 cash back after you make $3,000 in purchases within the first 3 months of opening your account.
  • Unlimited 1.5% cash back on all purchases.
  • 0% intro APR on purchases for 12 months from account opening, then 14.74% to 20.74% variable.
  • No extra cost for employee cards.
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Compare Visa business cards

Name Product Filter values Rewards Purchase APR Annual fee
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
17.49% to 22.49% variable
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
U.S. Bank Business Platinum
0% intro for the first 12 billing cycles (then 11.49% to 19.49% variable)
Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 11.49% to 19.49% APR. Rates & Fees
Capital One® Spark® Classic for Business
1% cash back on all purchases
24.49% variable
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 14.74% to 20.74% variable)
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
Capital One® Spark® Cash for Business
2% cash back on all purchases
18.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.

Compare up to 4 providers

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card
See offer

  • Get this card if: You or your business spend a lot in travel.

Consider this card if your business mostly spends on travel, shipping, advertising, and communications purchases up to $150,000 per year. You can redeem earned points for a variety of rewards, but you’ll get 25% more value if you redeem them for travel purchases through the Chase Ultimate Rewards program.

U.S. Bank Business Platinum

U.S. Bank Business Platinum
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  • Get this card if: You want a business card with an intro APR period.

This could be a great card if you’re looking to stack up on inventories and pay off your balance over time, interest-free. It can also be an excellent choice if you want to move your balance from another card with high interest rates (see rates & fees).

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business
See offer

  • Get this card if: You’re looking for a business card with cashback rewards:

This is a simple credit card, which can be ideal for businesses that don’t spend much on any particular category and spend more than $20,000 a month. You’ll earn unlimited cash back equally on everything you buy.

United℠ Business Card

United℠ Explorer Business Card

  • Get this card if: You’re looking for a business card with airline rewards.

Business owners who often fly with United Airlines could find this card extremely useful. You get to earn 2x miles on United flights and at restaurants, gas stations, office supply stores and local tranist. You can also earn and redeem miles from Star Alliance partner airlines, including Air Canada, Air China, Air India, Lufthansa, South African Airways, Turkish Airlines and more.

How we selected our top cards

We compared a variety of features to choose our top Visa business credit cards, including rewards categories, travel type, the ability to earn points with employee cards, welcome offers, fees and other concerns a business owner might consider when selecting a card. We highlighted Visa cards that stood out in a particular category on our list.

What’s changed in 2020

The Hilton Honors American Express Business Card is now offered by American Express. Because of that, we removed the best card for hotels and added a card that many businesses may find useful — the U.S. Bank Business Platinum. It has a strong intro APR period on balance transfers and purchases.

Typical features of Visa business credit cards

Some features come with all business Visa credit cards. However, not all card providers may decide to offer them. Here are the Visa business credit card features you’ll typically see:

  • Auto rental collision damage waiver. Get coverage for your rental car against theft and damage.
  • Purchase security and extended protection. Eligible purchases are covered for 90 days from the date of purchase against theft and damage with $10,000 per occurrence and $50,000 per year.
  • Travel and emergency assistance. Whenever you need assistance when traveling, call Visa customer support and they can help you out.
  • Visa IntelliLink for small businesses. Visa lets you manage cash flow efficiently by simplifying expense reporting.
  • Visa SavingsEdge. You can earn accelerated rewards of up to 10% back at participating retailers.
  • Zero liability. You won’t be held liable for unauthorized transactions you report to your card provider.
  • Travel perks. Get lost luggage reimbursement, travel accident insurance and roadside dispatch.

How to compare Visa business credit cards

When choosing a business Visa card, you should ask yourself the following questions:

  • Do you spend much on any particular category? If your business mostly spends on travel, Internet, cable and phone services, shipping and advertising with social media and search engines up to $150,000 per year, then the Ink Business Preferred℠ Credit Card from Chase could be a good choice. If you spend more than $150,000 annually, or if you don’t spend much on any particular category, the Capital One® Spark® Cash for Business may be the right card for your business.
  • Do you often travel? Businesses that often use United Airlines to travel could find the United℠ Explorer Business Card from Chase to be a solid card. You’ll even save money on travel expenses by using partner airlines, hotels and car rental services.
  • Do you want an intro APR period? In that case, the U.S. Bank Business Platinum could be worth considering. It comes with an intro APR period on balance transfers and purchases that not many cards can match.

Should you get a business credit card?

When growing your business, you’ll want a line of credit to help pay for necessary expenses, lulls in business and other financial emergencies. Whether you choose a business credit card or another option, such as a business line of credit, depends on a few factors. These factors include your existing credit score, the amount of money you’ll need to borrow, the size of your business and whether you want rewards on your spending. For more information on whether you should pick up a business credit card, compare business credit cards versus business lines of credit.

Bottom line

The great thing about these cards is that most of them offer generous signup bonuses, no foreign transaction fees and have relatively low annual fees. The only oddball here is the U.S. Bank Business Platinum, which offers none of that. Instead, it comes with an intro APR period on balance transfers and purchases.

If you’re not convinced any of these are right for you, check out our guide to business credit cards to compare your other options.

Frequently asked questions


Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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