The best visa cards come with specific perks and rewards to complement any business.
When you’re looking for a Visa business credit card, you may get overwhelmed by all the options available. But determining which card could help your business the most depends on your annual spending, favored purchasing categories and even your travel routines.
Our pick for a Visa business card
U.S. Bank Business Platinum
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Best visa business credit cards
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Ink Business Preferred℠ Credit Card
If your business mostly spends on travel, shipping, advertising, and communications purchases up to $150,000 per year, then you may find this card useful. You can redeem the points you earn 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.
Another great thing about this card is that you can earn more points with employee cards at no extra cost, which all come with a minimum credit line of $5,000. This is relatively high when compared to the competition.
You can also boost the points you earn by combining this card with other Chase credit cards that are part of the Ultimate Rewards program. For example, you can maximize your point earnings if you use this card for purchases in categories that give you 3x points, and then use the no-annual-fee Ink Business Unlimited℠ Credit Card from Chase to purchase everything else. This way you’ll earn 1.5x points instead of the 1x points that you’ll get from the Preferred card.
U.S. Bank Business Platinum
- Get this card if: You want a business card with a long intro APR period.
This could be a great card if you’re looking to stack up on inventories and pay off your balance for a long time, interest-free. It can also be an excellent choice if you want to move your balance from another card with high interest rates.
Spark® Cash from Capital One®
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℠ Explorer Business Card
Business owners who often fly with United Airlines could find this card extremely useful. You get to earn 2 miles on United flights and at restaurants, gas stations and office supply stores. You can also earn and redeem miles from Star Alliance partner airlines, including Air Canada, Air China, Air India, Turkish Airlines, South African Airways, Lufthansa and more.
Furthermore, you get specific perks when flying United Airlines including free checked bags, priority boarding, complimentary United Club passes and more.
How we selected our top cards
We compared a variety of features to choose our top Visa business 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 2019The 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 one of the longest intro APR periods on balance transfers and purchases.
How to compare Visa business credit cards
When choosing a card for your business, 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 Spark® Cash from Capital One® 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 incredibly long intro APR period on balance transfers and purchases that not many cards can match.
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 one of the longest intro APR periods 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.