Find the best visa business card | finder.com

Compare Visa business cards

Consider your annual spending and favored purchasing categories.

Last updated:

Two women at work

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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

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 15.24% to 21.24% variable.
  • No extra cost for employee cards.
Read less
Read more
Promoted

Compare Visa business cards

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
N/A
0% intro for the first 12 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
2x points in the two categories you spend the most in each month and 1x points on all other purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
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 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 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®

Compare up to 4 providers

Best visa business credit cards

Jump to …

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card
See offer on creditcards.com
  • 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.

You can also earn more points with employee cards at no extra cost, which all come with a minimum credit line of $5,000. This is quite high when compared to the competition and can help fund your business travel needs even faster.

U.S. Bank Business Platinum

U.S. Bank Business Platinum
Apply now
  • 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.

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business
See offer on creditcards.com
  • 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℠ Explorer Business Card

United℠ Explorer Business Card
See offer on creditcards.com
  • 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 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, Lufthansa, South African Airways, Turkish Airlines and more. Throw in some United Airlines flight perks like free checked bags and you have a solid choice for travel.

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 2019

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.

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

Disclaimer

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site