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Top Small Business Credit Cards Compared

Getting a small business credit card is a critical step that will increase your company’s purchasing power. You will build a higher credit limit and rating for yourself and your business, protect your personal assets by maintaining your corporate veil, and earn special rewards tailored to your business.

There are dozens of small business credit cards on the market designed to meet a variety of needs. No single card can fulfill the needs of every company, but there are a few options that stand out among the rest in their own categories.


Best Cashback and Overall Card

Cashback cards are the simplest way to earn major rewards for all of your small business purchases. They work by rewarding you with a flat or variable rate back for every dollar you spend.

While no single card can fulfill the needs of every company, this card offers a simple way for any business to earn cash on their day to day expenses.

RECOMMENDED: CAPITAL ONE SPARK CASH FOR BUSINESS 

Ideal for: Business owners who want the highest rewards for the least amount of effort, and who don’t mind an annual fee.

With this card, you will earn 2% cash back on all purchases with no spending cap. There’s also a nice early spend bonus that more than makes up for the $95 annual fee that kicks in the second year.

REWARDS AND BENEFITS (TERMS APPLY)

  • Early spend bonus of $500 when you spend $4,500 within three months of opening an account.
  • 2% cash back on all purchases.
  • Free employee cards.
  • Quarterly and annual spending reports.

FEES

  • Annual fee waived for the first year, then $95 each year thereafter.
  • No balance transfer fee.
  • No foreign transaction fee.
  • 3% or $10 cash advance fee (whichever is greater per transaction).

Best Airline Miles Card

Businesses that require frequent travel cannot go wrong with a card that offers solid airline miles and other travel rewards. While many airline and hotel chains offer their own rewards cards, this card offers the flexibility to use points for a range of travel across your preferred brands. This is a great asset for both new and well-established businesses.

RECOMMENDED: CAPITAL ONE SPARK MILES FOR BUSINESS

Ideal for: Business owners who travel regularly and have a steady cash flow to make timely payments each month.

Capital One offers an attractive package of rewards and benefits that help you earn miles quickly and protect your business purchases. It provides extremely flexible rules for redeeming miles across multiple travel categories, and your miles won’t expire while your account remains active. However, with high penalty rates, you’ll need to be sure you can manage your monthly payments to avoid incurring steep charges.

REWARDS AND BENEFITS (TERMS APPLY)

  • 50,000 bonus miles, equal to $500 in travel, when you spend $4,500 on purchases within the first three months of opening an account.
  • Unlimited 2x miles per dollar spent on all purchases with no blackout dates, seat restrictions, or minimum to redeem.
  • Zero fraud liability and automated fraud alerts via text, email, or phone.
    Free employee cards.
  • Redeem miles on flights, hotels, and vacation packages, or transfer miles to one of Capital One’s 10+ travel partners.
  • Purchase protection for eligible items in the event of theft or damage within 90 days of purchase.
    Free additional warranty protection on eligible purchases, up to one year past the manufacturer's warranty.
  • Visa SavingsEdge: Allows you to save up to 15% on eligible purchases at participating merchants (e.g., 12% off HyperOffice, a cloud collaboration service; 10% off Standard Legal, a do-it-yourself legal document service; and 5% off hotel rooms at La Quinta Inns & Suites).
  • Downloadable purchase records.
  • Auto rental damage waiver.
  • Travel and emergency assistance services.

FEES

  • Annual fee waived for the first year, then $95 each year thereafter.
  • No foreign transaction fee.
  • No balance transfer fee.
  • 3% or $10 cash advance fee (whichever is greater per transaction).

Best Card for Building Business Credit

Having good business credit is essential if you want your business to succeed. Not only will having good credit and a high line of credit help you get loans and financing for bigger expenses, but it will also be helpful in the event of unforeseen expenses.

If you need to improve your business credit or establish your credit history, finding the right card is essential.

RECOMMENDED: CAPITAL ONE SECURED MASTERCARD (PERSONAL CARD)

Ideal for: Business owners with poor (or no) credit history who want to build their credit without a significant up-front investment.

This personal credit card is a great place to start for business owners who have poor (or no) credit history and lack the cash to make a sizeable security deposit.

This card carries all the power of regular MasterCard credit cards (e.g., roadside assistance, travel accident insurance) with no annual fee. Since this isn’t a business credit card, you’ll have to manually separate your business and personal expenses.

REWARDS AND BENEFITS (TERMS APPLY)

  • Access to a higher credit line as long as you make your first five monthly payments on time.
  • Pick your due date and method of payment (e.g. check, online, or local branch).
    $0 fraud liability.
  • Free authorized users.

FEES

  • No annual fee.
  • A required security deposit of $49, $99, or $200.
  • No balance transfer fee.
  • No foreign transaction fee.
  • 3% or $10 cash advance fee (whichever is greater per transaction).

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Best Card for Purchasing Office Supplies

If you want to be rewarded for spending money on things that are necessary to keep your business running smoothly, a credit card that offers rewards on a host of business expenses is a great option.

The card we’ve selected below does just that. This card not only provides cashback rewards on office supplies, but it also offers rewards for purchases like gas for travel to and from work, business outings to restaurants, and the internet, cable, and phone services for your business.

RECOMMENDED: CHASE INK BUSINESS CASH

Ideal for: Businesses that don’t need a high spending limit and are looking for a robust rewards program.

This is an excellent choice for any business looking to earn rewards on regular purchases. The card offers 5% cash back, with a limit of $25,000 each membership year, on just about everything a business needs, including office supplies, internet, cable, phone services, and more.

You can redeem earnings for cash back, travel, gift cards, and other rewards through Chase Ultimate Rewards. You can even shop on Amazon using your points.

REWARDS AND BENEFITS (TERMS APPLY)

  • Sign-up bonus of $500 cash when you spend $3,000 in purchases within the first three months of opening an account.
  • 0% introductory APR on purchases for the first 12 months.
  • 5% cash back on office supplies, internet, cable, and phone up to $25,000 per year, then 1%.
  • 2% cash back at gas stations and restaurants up to $25,000 per year, then 1%.
  • Unlimited 1% cash back on all other purchases.
  • Employee cards at no additional charge.

FEES

  • No annual fee.
  • 3% foreign transaction fee.
  • 5% or $5 balance transfer fee (whichever is greater per transaction).
  • 5% or $15 cash advance fee (whichever is greater per transaction).

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Best Card to Help Finance Your Business

As a new business owner, you’ll need a simple business credit card with predictable and useful rewards. The card we’ve chosen below is the best of these simple credit cards. With 0% APR for the first year, you don’t have to worry if your cash flow isn’t completely predictable. You’ll also be earning rewards on all the things you need to help your business grow.

AMERICAN EXPRESS BLUE BUSINESS PLUS

Ideal for: New business owners looking for a low-risk way to finance their business.

This card’s 0% intro APR offers lasts 12 months. That makes it an ideal card for brand-new businesses and those whose cash flow is temporarily unpredictable.

This card also offers an unlimited 2 points per $1 spent on business purchases along with 2 points per dollar on every purchase up to $50,000. This is an excellent benefit for new businesses that will need to make a wide range of purchases that may not fit neatly into the business category.

Finally, this program also offers members the benefit of applying for pre-approved loans up to $25,000.
The only drawback to this card is it’s 2.7% foreign transaction fee. If your business will routinely work overseas, this is not the card for you.

REWARDS AND BENEFITS (TERMS APPLY)

  • 0% intro APR for 12 months.
  • 2x points per dollar spent on the first $50,000 for every calendar year.
  • 2x points on business purchases like office supplies and client dinners.
  • 1x point per dollar spent after that.
  • Spend Manager: American Express mobile app. Helps add receipts and notes to transactions.
  • Get up to 99 employee cards for free.
  • Spend beyond your credit limit.
  • Exclusive access to ticket pre-sales and cardmember only events in your city.
  • Complimentary ShopRunner membership: Provides two-day shipping at participating retailers.
  • American Express personal loans: Apply for a pre-approved loan of $3,500 to $25,000.
  • Access to Quickbooks to label and transfer your transaction data from American Express.

FEES

  • No annual fee.
  • No cash advance fee.
  • 3% or $5 balance transfer fee (whichever is greater per transaction).
  • 2.7% foreign transaction fee.

Summary

While it’s important to get a business credit card, it is even more important to get one that fits the needs of your business. Knowing what type of rewards will help you run your business most effectively will allow you to make the right steps toward success as a business owner.

If you know that you are looking for specific rewards, like airline miles or rewards for office expenses, you can get a card like the Capital One Spark Miles for Business card or the Chase Ink Business Cash card, respectively.

However, if you don’t have a specific type of reward in mind, it is never a bad option to choose a card like the Capital One Spark Cash for Business card, which offers great cashback rewards that can be used any way that you see fit. Before applying for any card, be sure you understand the needs of your business and the rewards and fees included. This will help you get the most out of your business credit card.

We hope that this guide has been useful in helping you select which business credit card is best for you. However, if you need more help in deciding which type of card will best suit your business, or if you want to explore more credit card options, we offer several guides below to help you make a more informed decision.

Looking for Something Different?

If you’re still not sure where to start, our How to Choose a Small Business Credit Card guide covers all the basics you’ll need to start your search. It includes everything you’ll need to know about rewards, card fees, interest rates, and more.

If you already have a specific reward program in mind, our lists of small business credit cards can direct you to the best option within any given reward category. We cover cards based on their benefits and features, like the best cards for purchasing advertising, those with no annual fees, cards offering premium travel benefits, and much more.

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TRUiC has partnered with CardRatings for our coverage of credit card products. TRUiC and CardRatings may receive a commission from card issuers.