Business Credit Cards

Compare credit cards for small business from our partners

Here are the small business credit cards you should not ignore. Check out the current promotions, including cash back, travel miles, and bonus points.

Best Bank for Business Account

The right bank account can make or break your business. Narrow down your options and find the best fit with this guide.

At Chase's Secure Site	Ink Business Cash® Credit Card
	Earn $750 bonus cash back after you spend $7,500 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 purchases With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring 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
	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	13.24% - 19.24% Variable	$0

American Express Blue Business Cash™ Card offers 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 13.24% - 19.24%. 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	13.24% - 19.24% Variable	No annual fee

At Chase's Secure Site	Ink Business Preferred® Credit Card
	Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring 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 25% more when you redeem for travel through Chase Ultimate Rewards® Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
	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	15.99% - 20.99% Variable	$95

At Chase's Secure Site	Ink Business Unlimited® Credit Card
	Earn $750 bonus cash back after you spend $7,500 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 With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring 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
	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	13.24% - 19.24% Variable	$0

American Express® Business Gold Card earns 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months. This card earns 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. The 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. There is a $295 annual fee. Terms apply.
Our Review: Is American Express® Business Gold Card worth it? It depends. Read this in-depth analysis BEFORE you apply... Read full review
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	14.24% - 22.24% Variable	$295

The Business Platinum Card® from American Express offers 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. You get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (Cap applies). 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 $595 annual fee ($695 if application is received on or after 1/13/2022). 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
See Pay Over Time APR	N/A	14.24% - 22.24% Variable	$595 (10/14-1/12/22)

The Blue Business® Plus Credit Card from American Express offers 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 Membership Rewards® 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. There is a 0% intro APR on purchases for 12 months, then a variable rate, currently 13.24% - 19.24%. 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	13.24% - 19.24% Variable	No annual fee

	The Plum Card® from American Express helps you manage cash flow. You get a 1.5% Early Pay Discount when you pay early (with no cap on what you can earn back). 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

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

Delta SkyMiles® Gold Business American Express Card offers 50,000 bonus miles and a $50 statement credit after you spend $2,000 in purchases within the first 3 months. Plus, if you spend $10,000 on purchases in a calendar year, you will earn a $100 Delta Flight Credit that can be used toward a Delta flight purchase. This card earns 2 miles on every dollar spent on eligible purchases made directly with Delta, on eligible U.S. purchases for advertising in select media, on eligible U.S. shipping purchases, and on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases. There are no foreign transaction fees. There is a $99 annual fee ($0 introductory annual fee for the first year). If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card. Plus, you can settle into your seat sooner with Main Cabin 1 Priority Boarding. Terms apply.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	15.74% - 24.74% Variable	$0 introductory annual fee for the first year, then $99

Southwest Rapid Rewards Premier Business Credit Card lets you earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. This card offers 6,000 bonus points after your Cardmember anniversary. Earn 3X points on Southwest Airlines® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. 1 point per $1 spent on all other purchases. There are no foreign transaction fees. There is a $99 annual fee.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	15.99% - 22.99% Variable	$99

The Hilton Honors American Express Business Card earns 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the Card within your first 3 months. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months. This card earns Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels & resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Plus, you receive complimentary Hilton Honors Gold Status. You can earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. You earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. There is a $95 annual fee. Terms apply.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	15.74% - 24.74% Variable	$95

U.S. Bank Business Platinum offers 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that, a variable APR, currently 9.99% - 17.99%. There is no annual fee.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0%* for 20 billing cycles*	0%* for 20 billing cycles*	9.99% - 17.99%* (Variable)	$0*

Bank of America® Business Advantage 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 on purchases in 1 of the following 6 categories of your choice: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% on purchases at restaurants, and 1% on other purchases. You'll get 3% and 2% cash back on 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	12.24% - 22.24% Variable APR on purchases and balance transfers	$0

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	12.24% - 22.24% Variable APR on purchases and balance transfers	$0

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	10.24% - 21.24% Variable APR on purchases and balance transfers	$0

Delta SkyMiles® Platinum Business American Express Card offers 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after you spend $3,000 in purchases on your new card in your first 3 months. This card earns 3 miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases. There are no foreign transaction fees. There is a $250 annual fee. If you fly Delta, here's what you should know: you can check your first bag free on every Delta flight with this card. Plus, you can enjoy Main Cabin 1 Priority Boarding. Terms apply.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	15.74% - 24.74% Variable	$250

Delta SkyMiles® Reserve Business American Express Card offers 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after you spend $4,000 in purchases on your new Card in the first 3 months. You can earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases in a calendar year. You get complimentary access to The Centurion Lounge when you book your Delta flight with your Reserve Card. After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. This card earns 3 miles on every dollar spent on eligible purchases made directly with Delta. There are no foreign transaction fees. There is a $550 annual fee. Terms apply.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	15.74% - 24.74% Variable	$550

Marriott Bonvoy Business™ American Express® Card earns 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Earn 6x points at hotels participating in the Marriott Bonvoy program. Earn 4x points at U.S. restaurants, 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 points on all other eligible purchases. You receive 1 Free Night Award every year after your Card account anniversary. Plus, you can earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Free Night Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in the Marriott Bonvoy™ program. 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	15.74% - 24.74% Variable	$125

U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers $200 cash back after you spend $1,000 in eligible net purchases on your card in the first 90 days. This card earns 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchase. You'll get 1% cash back on all other net purchases. Net purchases are purchases minus credits and returns. There are no limit on total rewards and the rewards never expire. In addition, there is a 25% Annual Cash Rewards bonus, up to $250. There is no annual fee.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0%* for 15 billing cycles*	0%* for 15 billing cycles*	11.99% - 22.99%* (Variable)	$0*

U.S. Bank Business Select Rewards Card offers 20,000 bonus points after you spend $1,000 in net purchases during the first 90 days after opening your account. This card earns 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment. You earn 1 point per dollar on other eligible net purchases. Net purchases are purchases minus credits and returns. There is no limit on total points you can earn. 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	11.99% - 22.99%* (Variable)	$0*

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	26.99% (Variable)	$0

	Capital One Spark Cash Plus offers up to $1,000 cash bonus in the first 6 months; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months. This card earns 2% cash back on every purchase. There is a $150 annual fee.
	Card Type			Annual Fee
	Business Charge Card			$150

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	20.99% (Variable)	$0 intro for first year; $95 after that

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	13.99% - 23.99% (Variable)	$0

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 a 0% intro APR on purchases for 9 months. After that, a variable APR, currently 13.99% - 23.99%. There is no annual fee.
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% for 9 months	N/A	13.99% - 23.99% (Variable)	$0

Disclaimer: The information for 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, Delta SkyMiles® Gold Business American Express Card, Southwest Rapid Rewards Premier Business Credit Card, The Hilton Honors American Express Business Card, U.S. Bank Business Platinum, Bank of America® Business Advantage Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Bank of America® Platinum Plus® Mastercard® Business card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve Business American Express Card, Marriott Bonvoy Business™ American Express® Card, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, U.S. Bank Business Select Rewards 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.

Business Benefits

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.

Accessing a Cash Source: Cards provide an immediate, convenient source of cash. They can be used to pay vendors, order supplies and cover travel expenses.
Developing Business Credibility: Help establish a successful record and credit history until more capital is readily available.

After you've taken the leap to open a small business, you need to maintain your business credibility by being financially responsible. Credit cards can help you do that by allowing you to pay periodic expenses on time without tarnishing your relationships with vendors.
Earning Rewards for Your Bottom Line: The perks of most cards can impact your business in a positive way. Today’s credit cards allow you to gain rewards (including cash back, airline miles, and discounts), which can help your business grow.
Building a Solid Credit History: Help establish a respectable credit history. One option for businesses is a card with a high spending limit that will allow you to carry a balance. With a balance, payments are more manageable when cash flow is not certain.
Record Keeping: Allows for better tracking of purchases. Credit card statements also allow you to monitor your records, employee spending, and any changes to the terms of your agreement.
Managing Tax Matters: Credit card statements help you sort your expenses come tax time, and they may also come in handy when a tax bill needs to be paid and your cash flow is dry. While it’s not advisable that you do so often, the Internal Revenue Service has begun accepting credit cards for tax payments.
Enjoying Increased Security: Many credit card companies protect the user against poor merchandise and undelivered service, giving the small business owner peace of mind about inventory purchases and new vendors.