Here are the small business credit cards you should not ignore. Check out the current promotions, including cash back, travel miles, and bonus points.
  At Chase's Secure Site | | - Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates and Fees
| | Our Review: Read this in-depth Ink Business Cash® review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 17.49% - 25.49% Variable | $0 |
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At Chase's Secure Site | | - Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates and Fees
| | Our Review: Looking for a new business credit card? Ink Business Preferred® offers more than a sign up bonus. Read this review to see if the benefits are worth it... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 20.24% - 26.24% Variable | $95 |
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At Chase's Secure Site | | - Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates and Fees
| | Our Review: Chase Ink Business Unlimited® card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | N/A | 17.49% - 23.49% Variable | $0 |
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| The American Express Blue Business Cash™ Card earns a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. This card earns 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. There is a 0% intro APR on purchases for 12 months. Then a variable rate, currently 17.49% - 27.49%. There is no annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months from date of account opening | N/A | 17.49% - 27.49% Variable | No annual fee |
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| American Express® Business Gold Card earns 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. This card earns 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. There is a $375 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 6 months from the date of account opening | N/A | 18.49% - 29.24% Variable | $375 |
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| The Business Platinum Card® from American Express offers 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. You get 5X points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each purchase of $5,000 or more, on up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. You can 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) when you book on amextravel.com. There is a $695 annual fee.
This card has premium benefits for travelers: The card includes access to the Global Lounge Collection, which gives you complimentary access to over 1,300 airport lounges worldwide. That includes Delta Sky Club, The Centurion lounge network, The International American Express lounges, Priority Pass Select lounges (enrollment required), and Airspace Lounge. Terms Apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 18.49% - 29.24% Variable | $695 |
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| The Blue Business® Plus Credit Card from American Express earns 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. This card earns 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. There is a 0% intro APR on purchases for 12 months, then a variable rate, currently 17.49% - 25.49%. There is no annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 12 months from date of account opening | N/A | 17.49% - 25.49% Variable | No annual fee |
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| The Plum Card® from American Express helps you manage cash flow. You earn an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date. Or you can take up to 60 days to pay with no interest (if you pay your minimum due by the payment due date). There are no foreign transaction fees. There is an $250 annual fee. Terms apply. | | Card Type | Annual Fee | | Business Charge Card | $250 |
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| Business Green Rewards Card from American Express earns 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first 3 months. There is a $0 introductory annual fee for the first year, then $95. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $95 |
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At Chase's Secure Site | | - Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- Rates and Fees
| | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | Flex for Business Variable APR: 18.49% - 26.49% | $195 |
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| The Hilton Honors American Express Business Card earns 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. This limited time offer ends 1/8/2025. This card earns 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Plus, you receive complimentary Hilton Honors™ Gold Status. There is a $195 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $195 |
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| U.S. Bank Business Platinum offers 0% Intro APR* on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR, currently 16.74% - 25.74%. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 18 billing cycles* | 0%* for 18 billing cycles* | 16.74% - 25.74%* (Variable) | $0* |
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| Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers $300 statement credit if you make at least $3,000 in net purchases within the first 90 days of opening your account. This card earns 3% cash back in the category of your choice, 2% on dining purchases, and 1% on other purchases. You'll get 3% and 2% cash back for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 9 billing cycles | N/A | 17.49% - 27.49% Variable APR on purchases and balance transfers | $0 |
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| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers 30,000 bonus points if you make at least $3,000 in net purchases within the first 90 days of opening your account. This card earns 1.5 points for every dollar spent on purchases. There are no foreign transaction fees and no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 9 billing cycles | N/A | 17.49% - 27.49% Variable APR on purchases and balance transfers | $0 |
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| Bank of America® Platinum Plus® Mastercard® Business card offers $300 statement credit if you make at least $3,000 in net purchases within the first 90 days of opening your account. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 7 billing cycles | N/A | 15.49% - 26.49% Variable APR on purchases and balance transfers | $0 |
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| Marriott Bonvoy Business® American Express® Card earns 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply. Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases. You receive 1 Free Night Award every year after your Card renewal month. Plus, you can earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Certain hotels have resort fees. There is a $125 annual fee. Terms apply. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 19.99% - 28.99% Variable | $125 |
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| Spark Classic from Capital One offers 1% cash back on every purchase. This card is for business owners with average credit. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 29.99% (Variable) | $0 |
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| Capital One Spark Cash Plus offers a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. This card earns 2% cash back on every purchase. There is a $150 annual fee. | | Card Type | Annual Fee | | Business Charge Card | $150 |
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| Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months. This card earns 2 miles per $1 on every purchase. There is a $95 annual fee ($0 intro annual fee for the first year). | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 25.24% (Variable) | $0 intro for first year; $95 after that |
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| Capital One Spark Cash Select for Business offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of account opening. This card earns 1.5% cash back on every purchase. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 18.24% - 24.24% (Variable) | $0 |
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| Spark Miles Select from Capital One offers a one-time bonus of 20,000 miles if you spend $3,000 on purchases within three months of account opening. This card earns 1.5 miles per dollar on every purchase. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 17.99% - 23.99% (Variable) | $0 |
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Disclaimer: The information for the The American Express Blue Business Cash™ Card, American Express® Business Gold Card, The Business Platinum Card® from American Express, The Blue Business® Plus Credit Card from American Express, Business Green Rewards Card from American Express, The Hilton Honors American Express Business Card, U.S. Bank Business Platinum, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Bank of America® Platinum Plus® Mastercard® Business card, Marriott Bonvoy Business® American Express® Card, Spark Classic from Capital One, Capital One Spark Miles for Business, Capital One Spark Cash Select for Business, and Spark Miles Select from Capital One has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
What are the Benefits of Credit Cards for Small Business?
With increasing demand from businesses, credit cards have become the "it" product for small business financing. The use of credit cards topped the list of financing sources for small businesses, according to a 2008 survey by the National Small Business Association. Check out some benefits of credit cards for small business below.
