Best Business Credit Cards

The best business credit cards can help you get more out of your everyday expenses. Earn rewards like cash back or travel miles, build your business credit and get organized with expense tracking tools. Whether you’re a freelancer or the owner of a brick and mortar storefront, responsible use of a business credit card can save you thousands every year.

Our experts analyzed 368 business credit cards to find you the best offers – here are the best business credit cards from our partners.

The best business credit cards can help you get more out of your everyday expenses. Earn rewards like cash back or travel miles, build your business credit and get organized with expense tracking tools. Whether you’re a freelancer or the owner of a brick and mortar storefront, responsible use of a business credit card can save you thousands every year.

Our experts analyzed 368 business credit cards to find you the best offers – here are the best business credit cards from our partners.

Editor: Laura Mohammad | Writer: Mariah Ackary

|

December 22, 2020

hfyhpf120.com’s Best Business Credit Cards

Capital One Spark Cash for Business

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

At A Glance

Intro Bonus
$500

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Annual Fee
$95, waived first year
Regular APR
20.99% variable
American Express® Business Gold Card
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X
1X is earned for other purchases. **
25%
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.*

At A Glance

Intro Bonus
35,000 points

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Annual Fee
$295
Regular APR
14.24% - 22.24% variable
The Business Platinum Card®  from American Express
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

At A Glance

Intro Bonus
75,000 points

Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.

Annual Fee
$595
Regular APR
14.24% - 22.24% variable
Ink Business Cash® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

5%
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
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn

At A Glance

Intro Bonus
$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Annual Fee
$0
Regular APR
13.24% - 19.24% variable
Ink Business Preferred® Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

At A Glance

Intro Bonus
100,000 points

New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual Fee
$95
Regular APR
15.99% - 20.99% variable
American Express Blue Business Cash™ Card
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.

At A Glance

Intro Bonus
No current offer
Annual Fee
No annual fee
Regular APR
13.24% - 19.24% variable
Costco Anywhere Visa® Business Card by Citi

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

4%
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.24% (Variable)
The Blue Business® Plus Credit Card from American Express
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1X
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

At A Glance

Intro Bonus
No current offer
Annual Fee
No annual fee
Regular APR
13.24% - 19.24% variable
The Hilton Honors American Express Business Card
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

12X
12X at hotels & resorts in the Hilton portfolio
6X
6X on Select Business & Travel Purchases
3X
3X on all other eligible purchases. Terms & Limitations Apply.

At A Glance

Intro Bonus
130,000 points

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Annual Fee
$95
Regular APR
15.74% - 24.74% variable
Delta SkyMiles® Gold Business American Express Card
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
40,000 miles

Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months.

Annual Fee
$0 introductory annual fee for the first year, then $99
Regular APR
15.74% - 24.74% variable
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
2X
Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
1X
Earn 1 AAdvantage® mile per $1 spent on other purchases

At A Glance

Intro Bonus
65,000 miles

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual Fee
$99, waived for first 12 months
Regular APR
15.99% - 24.99% (Variable)
Delta SkyMiles® Platinum Business American Express Card
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3X
Earn 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.
1.5X
Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year.
1X
1 Mile on every eligible dollar spent on other purchases.

At A Glance

Intro Bonus
45,000 miles

Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months.

Annual Fee
$250
Regular APR
15.74% - 24.74% variable
Marriott Bonvoy Business™ American Express® Card
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

6x
6x points at participating Marriott Bonvoy hotels.
4x
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.
2x
2x points on all other eligible purchases.

At A Glance

Intro Bonus
100,000 points

Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.

Annual Fee
$125
Regular APR
15.74% - 24.74% variable

Editorial disclosure: All reviews are prepared by hfyhpf120.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about the Capital One Spark Classic for Business and U.S. Bank Credit Cards has been collected independently by hfyhpf120.com and has not been reviewed by the issuer.


Comparing Business Credit Card Offers

For most businesses – from brick and mortar storefronts to “side-hustles” – a business credit card can be a great tool to track spending, save money on interest, and earn rewards.

Before applying, you should understand the application requirements and credit implications. Though business credit cards are very similar to personal credit cards, there are a few key differences to know about. Finally, it’s a good idea to decide what’s important to you – are you hoping to spread out payments for several large purchases? Or do you simply want to start earning cash back on the purchases you’re already making?

Once you’ve decided what you’re looking for, it’s time to start comparing credit cards. At this point, you’ll be ready to make an informed decision with your business’s unique needs in mind.


best business credit cards of 2020

Best Business Credit Cards

Ink Business Unlimited® Credit Card: Best for boosted rewards

Our review

Not only will you earn unlimited 1.5% cash back on every purchase, but you can also transfer your rewards to a qualifying Chase Ultimate Rewards card and boost their value by 25% when you redeem for travel. It also comes with no annual fee and a 0% intro APR for 12 months on purchases – it’s 13.24%–19.24% variable after that. On the flip side, some business credit cards offer a higher rewards rate, such as the Blue Business® Plus Credit Card from American Express. Read our full review.

Ink Business Preferred® Credit Card: Best for business travel

Our review

A hefty sign-up bonus of 100,000 points after a $15,000 spend within the first 3 months makes this a stellar business card. And those 100,000 points are worth $1,250 toward future travel when you book through Chase Ultimate Rewards. The rewards rates are pretty great, too: 3X points on all travel, shipping, internet, cable, phone services and advertising purchases with social media and search engines on your first $150,000 in combined purchases each year (1 point per dollar thereafter). On the other hand, this isn’t the best credit card for those who want to do a balance transfer or finance a large purchase since it doesn’t offer a 0% introductory APR. There’s also a $95 annual fee. Read our full review.

American Express® Business Gold Card: Best for no expiration on points

Our review

The welcome offer is only 35,000 points after a quite high $5,000 spend within the first 3 months of card membership. However, in addition to no expiration on points, earn 4X points on 2 select categories where your business spent the most each month (on up to the first $150,000 in combined purchases from these 2 categories each calendar year). The annual fee on this card is $295, which isn’t waived the first year. Read our full review.

The Business Platinum Card® from American Express: Best for airline points

Our review

Earn a sizable 75,000 points after a $15,000 spending within the first 3 months of card membership. Also, get 5X points on flights and prepaid hotels on amextravel.com. The annual fee is super high at $595 and isn’t waived the first year. Read our full review.

American Express Blue Business Cash™ Card: Best for no annual fee

Our review

A cash back rate of 2% isn’t uncommon among business credit cards, but it is special when paired with no annual fee. Keep in mind, though, the 2% cash back applies only to your first $50,000 in purchases each calendar year (then 1%). This flat-rate cash back card offers some unique features, such as the possibility of spending beyond your credit limit and even earning cash back in those cases. Read our full review.

Costco Anywhere Visa® Business Card by Citi: Best for everyday cash back

Our review

Business owners who are already Costco members will love this card’s rewards: 4% cash back on eligible gas purchases (for the first $7,000 in purchases annually, then 1% after that), 3% on restaurants and eligible travel, 2% on Costco purchases, and 1% on general purchases. However, be aware that the cash back rewards are only issued once a year in February and are only redeemable at Costco. Read our full review.

The Blue Business® Plus Credit Card from American Express: Best for long intro APR period on purchases

Our review

The card offers a 0% introductory APR on new purchases for 12 months (13.24% - 19.24% Variable thereafter), making it useful if you need to finance a large purchase. You’ll also earn 2X points for up to $50,000 a year on business expenses like office supplies and client dinners, and 1 point per dollar thereafter. Read our full review.

Capital One Spark Cash for Business: Best for cash back rewards

Our review

This card’s sign-up bonus is quite rewarding – earn $500 after a $4,500 spend within the first 3 months. Also, earn 2% cash back on all purchases, meaning you aren’t limited to certain categories. Although there’s a $95 annual fee, it’s waived the first year. You also get free employee cards, as well as quarterly and year-end summaries, no foreign transaction fees, and lost luggage reimbursement. Read our full review.

Ink Business Cash® Credit Card: Best for cash back on office supplies

Our review

It’s one of the only cards that includes a bonus on office supply spending, offering 5% cash back on your first $25,000 in combined purchases at office supply stores, as well as internet, cable and phone services each anniversary year (1% thereafter). If you’re working from 数字货币交易软件_数字货币手机app下载home for the foreseeable future, this cash back reward can be a great benefit for providing your employees the services they need to stay productive online. Read our full review.

Delta SkyMiles® Gold Business American Express Card: Best for hotel and flights redemption

Our review

After you spend $10,000 in a calendar year, you’ll earn a $100 Delta flight credit for future travel. Also, earn 2X miles on 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. Then, earn 1X mile on other eligble purchases. The annual fee is only $99 and is waived the first year. Read our full review.

CitiBusiness®/AAdvantage® Platinum Select® Mastercard®: Best for business travel

Our review

As with any cobranded airline card, it only makes sense to get this card if you’re a brand loyalist who flies often, especially since it comes with a $99 annual fee (waived the first year). Small business owners will love the 2X AAdvantage miles on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Plus, the sign-up bonus is significant: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. Read our full review.

The Hilton Honors American Express Business Card: Best for Hilton loyalists

Our review

The Hilton Honors American Express Business Card’s welcome bonus is quite generous at 130,000 points after a $3,000 spend within the first 3 months, which can add up to a fair number of free hotel nights if you are strategic in your redemptions. And although there’s a $95 annual fee that isn’t waived the first year, the ongoing rewards are pretty awesome, including 12X points on Hilton hotel purchases, 6X points on select travel and business purchases, and 3X points on other eligible purchases. Read our full review.

Delta SkyMiles® Platinum Business American Express Card: Best for Delta rewards

Our review

This card’s annual fee is $250, which is on the lower end when compared to other luxury travel cards. Earn 3X miles on purchases made directly with Delta and on purchases made directly with hotels. Then, earn 1.5X miles on single eligible purchases of $5,000 or more up to 50,000 additional miles per year. It’s 1X mile on other purchases. Read our full review.

Marriott Bonvoy Business™ American Express® Card: Best for Marriott rewards

Our review

For a limited time, earn 100,000 points after $5,000 spent within your first 3 months. Earn up to $150 in statement credits within your first 6 months of card membership for eligible purchases on U.S. advertising in select media. You can also receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21. Read our full review.

Comparing the best business credit cards offers:

Business Credit CardBest For:Rewards RateAnnual Feehfyhpf120.com Rating
Ink Business Unlimited® Credit CardBoosted rewards1.5% unlimited$03.5 / 5
Ink Business Preferred® Credit CardSign-up bonus and high rewards on select business categories3X on travel, select business categories Up to $150,000 annually, then 1 point per dollar $953.8 / 5
American Express® Business Gold CardBest for no expiration on points4X per dollar on the two categories your business spends the most in each billing cycle (first $150,000 in purchases yearly)$2953.5 / 5
The Business Platinum Card® from American ExpressBest for airline points5X on flights and prepaid hotels through amextravel.com$5954.4 / 5
The Blue Business® Plus Credit Card from American ExpressLong intro APR period2X (up to $50k in annual spend, then 1X) No annual fee4.2 / 5
American Express Blue Business Cash™ CardNo annual fee2% (up to $50k in annual spend, then 1%)No annual fee3.9 / 5
Costco Anywhere Visa® Business Card by CitiEveryday cash back1% unlimited$02.6 / 5
Capital One Spark Cash for BusinessCash back rewards2% unlimited $0 intro for first year; $95 after that4.1 / 5
Ink Business Cash® Credit CardCash back with high rewards rate on office supplies5% on office supplies, internet 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 $03.3 / 5
Delta SkyMiles® Gold Business American Express CardBest for hotel and flights redemption2X miles per dollar on direct Delta purchases$0 introductory annual fee for the first year, then $993.9 / 5
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®Business travel2X AAdvantage® miles on eligible American Airlines purchases$99, waived for first 12 months Spring from Capital One you can access deals on services like FedEx, DocuSign and Squarespace no Capital One account required.

Understanding and building business credit

There are some differences between personal and business credit, which we go into on this page. Here are some tips on how to build business, understanding what is a good rating, and more.

How to build business credit

To D&B’s Credit Builder service to provide positive payment information to your credit report. You can provide D&B with your vendors’ contact information, then D&B will contact them to verify your payment history.

  • Building your personal credit score is one of the first steps to building a credit history for your business. A good personal credit score can help you acquire your first lines of business credit.
  • Apply for a small-business credit card.
  • So that you make your own payments on time (and minimize your need for cash flow), make sure your own customers are paying you in a timely manner.
  • Request credit line increases on your existing accounts – this will improve your credit-to-debt ratio and thus your overall credit score.
  • Business credit scores vs. personal credit scores

    Credit scoring for businesses is a bit different (and more complicated) than scoring for consumers. Personal FICO scores range from 300 to 850, while business credit scores use different scales. There are three primary business credit score bureaus and they all structure their ratings differently.
    You can find your business credit score by visiting the Dun & Bradstreet, Equifax and Experian websites. Each bureau calculates scores uniquely and offers different features.

    While your business and personal credit are distinct, there is usually some overlap. Some business credit card issuers report activity to consumer credit bureaus. In those cases, your personal credit would be affected by your business credit activity. For that reason, it’s difficult to keep business and personal credit entirely separate.

    Can you get a business credit card with fair or bad credit?

    Though most business credit cards require good to excellent credit, there are a few business cards available for people with fair credit. These cards usually lack the hefty sign-up bonuses and travel perks of other business cards, but they can be useful as stepping stones to better credit and more lucrative business rewards cards down the line.

    Currently, one of the easiest business credit cards to get is the Capital One Spark Classic for Business, a flat-rate cash back card offering 1% cash back on every purchase. While the card has its shortcomings, including a variable APR of 26.99%, which is much higher than that of the average business card, it comes with a number of useful business perks.

    You may also consider paying for business expenses with a consumer card designed for people with fair credit or bad credit.


    hfyhpf120.com Poll: Over one-third of small businesses relying on personal funds during the COVID-19 pandemic

    Our July 2020 Small Business Poll uncovered a worrisome fact – 35% of American small-business decision-makers have tapped into personal funds to finance their businesses since the Coronavirus pandemic struck. That includes those who have dipped into a personal savings account (21%), used a personal credit card (24%) or both (10%).

    “It’s commendable how far these dedicated business owners are willing to go in search of their dreams,” says Ted Rossman, industry analyst at hfyhpf120.com. “I worry, however, about the debt they’re taking on, and how they’re potentially putting their personal finances at risk.”

    Also notably, 38% of business leaders have turned to either business or personal credit cards during this time, with 20% of those polled leaning on business cards.

    Paying off credit card debt can be stressful, but there’s a way to do so efficiently. Negotiating interest rates and paying more than the minimum are two ways to reduce the total time and amount of money repaid. “Many of the normal debt reduction tools are in shorter supply these days — for instance, 0% balance transfer offers have dried up due to worries about the economy. That’s why it’s so important to be creative and ask for a break,” Rossman added. Another good strategy: If you have multiple cards with balances and are able to put some money toward your debt, prioritize the highest interest rates in order to reduce the total interest expense.

    Meanwhile, the single most popular form of funding was Paycheck Protection Program loans from the Small Business Administration, used by 30% of small businesses.

    Small business funding sources amidst the COVID-19 pandemic

    • PPP loan(s)
    • 29.6%
    • Personal credit card(s)
    • 24.4%
    • Business savings account(s)
    • 24.4%
    • Personal savings account(s)
    • 20.7%
    • Business credit card(s)
    • 20.1%
    • Other types of loan(s)
    • 29.6%

    Unfortunately, the negative effects of the pandemic are ongoing for many small-business owners, many of whom see trouble on the horizon. The majority of small-business leaders (53%) agree that they will need either an increase in sales or some type of assistance just to stay in business this year.

    To stay afloat until 2021, small business decision-makers say they will need:

    • An increase in sales (32%)
    • Government assistance, such as stimulus funding (19%)
    • Any type of loan (13%)

    “I’m encouraged by the spirit behind these findings. Even in an incredibly difficult year, small businesses remain resilient and optimistic – they’re taking matters into their own hands. They’re important parts of our communities and our economy, and we’re rooting for them,” says Rossman.

    Methodology

    hfyhpf120.com commissioned YouGov Plc to conduct the survey. All figures, unless otherwise stated, are from YouGov Plc. The total sample size was 499 small-business decision-makers. Fieldwork was undertaken from July 14-20, 2020. The survey was carried out online and meets rigorous quality standards. It employed a non-probability-based sample using both quotas upfront during collection and then a weighting scheme on the back end designed and proven to provide nationally representative results.


    More in-depth reviews

    Our business credit card reviews can help you compare offers to find the one that best suits your needs.


    Frequently Asked Questions