If you are a business owner, then the best business credit cards are a must-have for your business whether you own a large, medium or small business. Businesses need credit and having the best business credit cards are essential to help fund your business, save cash and earn great rewards in the process. If you want to know how to choose the best business credit cards, remember this: finding the best business credit cards can be easy if you know what to look for.
This best business credit cards guide will teach you everything you need to know about small business credit cards and the best business credit card offers. As we do with the best rewards credit cards, best 0% APR credit cards and best cash back credit cards, we break down all our best picks for the best small business credit card and more in this guide.
Best Credit Cards of February 2020
Here are the best business credit cards of 2019:
Capital One Spark Cash for Business: Best for flat-rate cash back
Chase Ink Business Cash Credit Card: Best for cash-back
Chase Ink Business Preferred Credit Card: Best for big sign-up bonus
Chase Ink Business Unlimited Credit Card: Best for cash-back
CitiBusiness / AAdvantage Platinum Select World Mastercard: Best for American Air flights
The Blue Business℠ Plus Credit Card from American Express: Best for balance transfers
The Business Platinum Card from American Express: Best for luxury travel
American Express® Business Gold Card: Best for luxury rewards
The Best Business Credit Cards - Review
Here are the best business credit cards of 2019:
Current Bonus: $2,000
Annual Fee: $95, but waived first year
Great Benefits: The Capital One Spark Cash For Business credit card has great benefits, including:
- Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account.
- Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer.
- Earn unlimited 2% cash back, which could mean thousands of dollars each year going back into your business.
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount.
- Get employee cards at no additional cost and earn rewards from their business spend.
- No foreign transaction fees.
Current Bonus: 80,000 Bonus Points
Annual Fee: $95
Great Benefits: The Chase Ink Business Preferred Credit Card has great benefits, including:
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
- Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn.
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.
- Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open.
- No foreign transaction fees.
- Employee cards at no additional cost.
Current Bonus: $500
Annual Fee: $0
Great Benefits: The Chase Ink Business Unlimited credit card has great benefits, including:
- Earn $500 cash back bonus after you spend $3,000 on purchases in the first 3 months
- Earn unlimited 1.5% cash back on every purchase
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
Current Bonus: $500
Annual Fee: $0
Great Benefits: The Chase Ink Business Cash credit card has great benefits, including:
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
- 0% introductory APR for 12 months on purchases and balance transfers.
- Employee cards at no additional cost.
Current Bonus: 70,000 Miles
Annual Fee: $99, but waived the first year
Great Benefits: The CitiBusiness / AAdvantage Platinum Select World Mastercard has great benefits, including:
- Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.
- Earn 1 AAdvantage® mile per $1 spent on purchases.
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases.
- Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- No Foreign Transaction Fees.
- First checked bag is free on domestic American Airlines flights.
- 25% savings on American Airlines inflight Wi-Fi when you use your card.
- Enjoy preferred boarding on American Airlines flights.
Current Bonus: N/A
Annual Fee: $0
Great Benefits: The Blue Business Plus Credit Card from American Express has great benefits, including:
- Earn 2X points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year – and 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit.
- 0.0% intro APR on purchases and balance transfers for 15 months.
Current Bonus: Up to 75,000 points
Annual Fee: $450
Great Benefits: The Business Platinum Card from American Express has great benefits, including:
- Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That’s 1.5 points per dollar on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
- You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
- You can enjoy access to The American Express Global Lounge Collection? offering access to the most lounges across the globe.
Current Bonus: N/A
Annual Fee: $295
Great Benefits: The American Express Business Gold Card offers great benefits, including:
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
- †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
- Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
- Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.
- Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
- Expense Management Tools: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.
- Add employee cards with a no annual fee option and earn rewards on employee purchases.
Best Business Credit Cards: Can I get a small business credit card?
If you have a small business, a freelance gig, a consultancy, or even a side hustle, you can benefit from a small business credit card. It’s important to keep your personal expenses and business expenses separate from each other to keep you organized at tax time. The best small business credit cards offer cash back and bonus rewards for airlines, gas, office supplies and other categories.
With the best business credit cards, it is essential that you repay your credit card balance each month in full. Why? If you do not repay your credit card balance in full, you will be charged interest, which can cost you more than the value of your business rewards. This is particularly important for small business owners because otherwise interest charges will hurt profits.
Best Small Business Credit Cards: What is the purpose of a small business credit card?
Best Business Credit Cards: How should I choose the best business credit cards?
There are several factors to consider when you choose the best business credit card:
Rewards Rate
When you choose the best small business credit card, the cash back rewards rate often is your top consideration. The best business credit cards typically have a business rewards rate of 1.0% to 1.5% to 2% for flat percentage cash back rewards. For rotating spending categories or tiered spending categories, the rewards rate can have a higher percentage.
If your small business credit card has any annual limits on the amount of cash back you can earn, and you plan to exceed that limit in a single year, then you can use another business credit card to earn more cash rewards. So, you can be strategic about how you use the best small business credit cards and choose more than one business credit card to help you earn more cash back.
Sign-up bonus
Annual Fee
Redemption
Introductory APR / Final APR
Best Business Credit Cards: How to get approved for the best business cards
Best Business Credit Cards: How to choose the best business credit cards
Best Business Credit Cards: The best ways to redeem cash with the best business credit cards
1. Bank deposit:
2. Statement Credit:
3. Gift Cards:
What’s the best way to use a small business credit card?
Best Credit Cards: Are there small business credit cards with no personal liability?
Best Small Business Credit Cards: How do I build credit for my business?
Here are some more ways to build credit for your business:
- Start a business checking account.
- Improve your personal credit history.
- Apply for the best small business credit cards.
- Always pay your credit card balance in full.
How do I find my business credit score?
Should I get a small business credit card or a small business loan?
What is the best way to manage the best business credit cards?
1. Review and monitor your credit card’s terms and conditions.
2. Monitor employees.
3. Always pay the balance in full.
4. Track your spending.
5. Deduct interest on your taxes.
How do you apply for the best business credit cards?
1. Business Overview
2. Personal information
3. Personal guarantee
As a small business owner, you will be responsible for your small business credit card. This means that if you fail to make payments on your credit card, you are personally responsible.
4. Social Security Number or Employer Identification Number
