18 Best Small Business Credit Cards – Reviews & Comparison

Small business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans and don’t have access to networks filled with deep-pocketed family members, friends, and colleagues. No matter what your business does, a credit card can probably help – as long as you use credit wisely and avoid making purchases your company can’t afford.

Small business credit cards typically have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. However, many also come with annual fees and require very good or excellent credit to qualify.

Qualifying for business credit cards is a bit different from qualifying for consumer credit cards. Some issuers simply require you to submit a valid Social Security number and affirm in writing that you’ll use the card exclusively for business purposes. Such laid-back issuers welcome freelancers and solopreneurs – basically, anyone who files a Schedule C at tax time, including people who don’t really think of themselves as business owners.

Some issuers are more strict. They request a federal employer identification number (EIN), seek evidence of incorporation, or ask for financial statements. If you can’t prove that you actually own an incorporated business with legitimate cash flow, you won’t qualify.

Also, remember that business credit cards are exempt from some of the protections of the CARD Act, including the requirement that card issuers regularly notify cardholders of changes in terms and conditions.

Best Small Business Credit Cards (No Annual Fee)

The following small business credit cards offer a favorable mix of advantages and drawbacks for business owners with strong credit.

1. Chase Ink Cash

Versatile Rewards (Up to 5% Cash Back); $200 Sign-up Bonus

credit-card-lockInk Cash is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR.

When you spend at least $3,000 within 3 months of opening your account, you get $200 bonus cash back. From day one, you earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services), up to $25,000 per year. You earn 2% cash back on gas station and restaurant purchases, up to $25,000 per year. After reaching the $25,000 cap, you earn unlimited 1% cash back on these spending categories. All other purchases earn 1% unlimited cash back as well.

Redeem accumulated cash back for statement credits or direct deposits starting at $20, airfare booked through Chase’s Ultimate Rewards portal (which offers the opportunity to boost your cash back by 20%, turning $500 in cash back into $625 in travel purchases), gift cards, and Amazon purchases. Redemptions start at $20.

  • Sign-up Bonus. Earn $200 bonus cash back when you spend at least $3,000 within 3 months of signing up.
  • Key Fees. There’s no annual fee. Foreign transactions cost 3% of the total transaction amount. Cash advances cost the greater of $15 or 5%, while balance transfers cost $5 or 5%. Late payments cost $15 to $39, depending on balance, while returned payments always cost $39.
  • Introductory APR. 0% on purchases and balance transfers for 12 months.
  • APR. After the intro period, purchases and balance transfers are subject to a 13.49% to 19.49% variable APR, depending on prevailing rates. The cash advance APR is 25.24%, and the penalty APR is 29.99%.
  • Other Perks. Chase’s Purchase Protection plan covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 total per account. The Extended Warranty plan offers complimentary extended warranty protection for an additional 12 months on warranties originally set to expire after 3 years or less.

See our Chase Ink Cash Business Card Review for more information. Find out how you can apply for this card here.


2. SimplyCash® Plus Business Credit Card from American Express

5% Cash Back on Office Supplies & Cell Phone Purchases; 3% in an Additional Category; $250 Sign-up Bonus

american-express-simplycash-plus-business-cardThe SimplyCash Plus Business Credit Card is a popular American Express credit card with a generous sign-up bonus, solid cash rewards program, and relatively low fees. However, you can’t make balance transfers with this card.

When you spend at least $500 within 6 months of account opening, you get a $250 statement credit. Office supply and cell phone purchases earn 5% cash back, up to $50,000 per year. Purchases in one additional category of your choice earn 3% cash back, up to $50,000 per year. Available categories include hotels, airfare, car rentals, gas stations, restaurants, advertising, and shipping. After the $50,000 limits, purchases in the 3% and 5% categories earn unlimited 1% cash back, as do all other purchases. Cash back automatically comes as a statement credit on the second statement after it’s earned.

  • Sign-up Bonus. Earn a $250 statement credit when you spend at least $5,000 within 6 months of account opening.
  • Key Fees. There’s no annual fee, but foreign transactions cost 2.7%, cash advances cost the greater of $5 or 3%, and late and returned payments cost $38.
  • Introductory APR. There is a 0% purchase APR for the first 9 months.
  • APR. After the intro period, the purchase and balance transfer APR is 12.49% to 19.49%, depending on your creditworthiness and prevailing rates. The penalty APR is 29.49%, and the cash advance APR is 25.49%.
  • Other Perks. The Purchase Protection plan reimburses you for purchased items that are lost, stolen, or damaged within 90 days of purchase.

See our American Express SimplyCash Plus Business Card Review for more information. Find out how you can apply for this card here.


3. The Blue for Business® Credit Card from American Express

2 Points Per $1 Spent on Travel; 30% Annual Points Bonus for Loyalty

american express blue for business cardBlue for Business is a popular American Express business card with a nice rewards program, decent sign-up bonus, and impressive annual loyalty bonus.

When you make at least one purchase within 3 months of opening your account, you get a 10,000 Membership Rewards point bonus, worth up to $100 when redeemed. Travel purchases booked through American Express earn an unlimited 2 points per $1 spent, while all other purchases earn 1 point per $1 spent. Every year you’re a cardholder in good standing, you get a 30% points bonus – so if you end the year with 10,000 points, you get a 3,000-point bonus.

Redeem accumulated points for gift cards, online merchandise purchases, travel purchases, and more through American Express’s Membership Rewards portal. Points are typically worth $0.005 to $0.01 when redeemed, and redemption minimums start at 1,000 points.

  • Sign-up Bonus. Earn 10,000 Membership Rewards points, worth up to $100, when you make your first purchase within 90 days of account opening.
  • Key Fees. There’s no annual fee. Foreign transactions cost 2.7%, cash advances cost $5 or 3%, and late and returned payments cost $38 each.
  • Introductory APR. There is a 0% purchase APR for nine months.
  • APR. After the intro period, the purchase APR ranges from 11.49% to 19.49%, depending on your creditworthiness and prevailing interest rates. The cash advance APR is 25.49%, and the penalty APR is 29.49%.
  • Other Perks. Get a complimentary 12-month extended warranty on items covered by manufacturers’ warranties of 5 years or less.

See our American Express Blue for Business Card Review for more information. Find out how you can apply for this card here.


4. Capital One® Spark® Miles Select for Business

1.5x Miles per $1 Spent; 20,000-Mile Sign-up Bonus

capital one spark miles select credit cardCapital One Spark Miles Select for Business is a no-frills business credit card with a solid rewards program, nice sign-up bonus, and minimal fees.

When you sign up and spend at least $3,000 within 3 months, you get 20,000 bonus miles. All purchases earn an unlimited 1.5 miles per $1 spent, with no caps or restrictions. You can redeem miles for travel-related purchases, such as airfare, hotel stays, and car rentals, either purchased directly through Capital One or via statement credit. Miles are always worth $0.01 apiece upon redemption.

  • Sign-up Bonus. Earn 20,000 bonus miles, worth $200 in travel reimbursements, when you spend at least $3,000 within 3 months of account opening.
  • Key Fees. There’s no annual fee, foreign transaction fee, or balance transfer fee. Cash advances cost the greater of $10 or 3%. Late payments cost $39.
  • Introductory APR. 0% purchase APR for 9 months.
  • APR. After the intro period, purchase APR ranges from 13.24% to 21.24%, depending on your creditworthiness and prevailing rates. The balance transfer APR falls in the same range from day one. The cash advance APR is 23.24%, and the penalty APR is 29.65%.
  • Other Perks. You get a customized and itemized spending report, including spending categories and analytics, every quarter.

See our Capital One Spark Miles Select Business Card Review for more information. Find out how you can apply for this card here.


5. Capital One® Spark® Cash Select for Business

1.5% Cash Back on All Purchases; $200 Sign-up Bonus

capital one spark cash select business cardCapital One Spark Cash Select for Business is very similar to Capital One Spark Miles Select. Rates and fees are basically identical, with the main difference being a cash-based (not miles-based) rewards program.

When you sign up and spend at least $3,000 within the first 3 months of membership, you get $200 bonus cash. From day one, all purchases earn an unlimited 1.5% cash back, with no caps or restrictions. You can redeem accumulated cash back for general statement credits or mailed checks in any amount.

  • Sign-up Bonus. Earn $200 bonus cash when you spend at least $3,000 within 3 months of account opening.
  • Key Fees. There’s no annual fee, balance transfer fee, or foreign transaction fee. Late payments cost $39, while cash advances cost the greater of $10 or 3%.
  • Introductory APR. There is a 0% purchase APR for the first 9 months.
  • APR. After the intro, the purchase APR ranges from 13.24% to 21.24%, depending on your creditworthiness and prevailing rates. The balance transfer APR always falls in the same range. The penalty APR is 29.65%, and the cash advance APR is 23.24%.
  • Other Perks. This card also comes with Capital One’s customized, itemized quarterly spending reports.

See our Capital One Spark Cash Select Business Card Review for more information. Find out how you can apply for this card here.


6. Capital One® Spark® Classic for Business

Unlimited 1% Cash Back on All Purchases; Looser Credit Requirements

capital one spark classic business credit cardSpark Classic doesn’t have overly generous rewards or a sign-up bonus. It also suffers from a higher-than-average APR relative to other business credit cards. However, it’s one of the few cards on this list that doesn’t require very good or excellent credit – according to Capital One, it’s geared toward business owners with average credit, and boasts some credit-tracking and -building tools to keep cardholders moving in the right direction.

From day one, all purchases with this card earn an unlimited 1% cash back. You can redeem accumulated cash back for general statement credits or checks.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There’s no annual fee, foreign transaction, or balance transfer fees. Cash advances cost the greater of $10 or 3%, and late payments cost $39.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase and balance transfer APR is a variable 23.24%, depending on prevailing rates. The cash advance APR is 23.24%, while the penalty APR is 29.65%.
  • Other Perks. The card comes with customized, itemized spending reports. Also, Capital One scrupulously reports payment history to credit reporting bureaus – a nice positive for responsible-spending business owners looking to build credit.

See our Capital One Spark Classic Business Card Review for more information. Find out how you can apply for this card here.


7. U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

Up to 3% Unlimited Cash Back; 25% Annual Cash Back Bonus

us bank business edge cash rewards cardU.S. Bank Business Edge Cash Rewards is a business credit card with a great rewards system and nice value-added perks. However, it doesn’t have a sign-up bonus.

This card earns unlimited 3% cash back on cellular, gas (up to $200 per transaction), and office supply purchases, plus unlimited 1% cash back on all other purchases. Every year, you get a 25% cash back bonus (up to $250) based on your prior year’s cash rewards – so, if you earn $100 cash back in a year, you get a $25 bonus. Redeem accumulated cash back rewards for deposits (to U.S. Bank accounts only), U.S. Bank prepaid gift cards, or statement credits. The redemption minimum is $25.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There’s no annual fee, and foreign transactions cost 2% to 3%, depending on how they’re denominated. Balance transfers cost $5 or 3%, cash advances $10 or 4%. Late payments range from $19 to $39, depending on balance size. Returned payments cost $35.
  • Introductory APR. There is a 0% purchase APR for 9 months.
  • APR. After the intro period, purchase APR is 12.24% to 18.24%, depending on your creditworthiness and prevailing rates. Balance transfer APR always falls within this range. The cash advance APR is 24.24%, and the penalty APR is 28.99%.
  • Other Perks. U.S. Bank Connect, which is complimentary with card membership, is a “free online resource and community for business owners with tips and information to help start, run and grow their business.”

Find out how you can apply for this card here.


8. U.S. Bank Business Edge™ Platinum Card

0% Intro APR for 12 Months; Low Regular APR

us bank business edge platinum cardU.S. Bank Business Edge Platinum is a no-frills business credit card with a 12-month intro APR period and relatively low ongoing APR. Although it lacks a sign-up bonus or rewards program, it’s a great card for business owners looking to transfer higher-interest debt from other credit cards or finance purchases without worrying about incurring interest charges immediately.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There’s no annual fee. Foreign transactions cost 2% to 3%, depending on how they’re denominated. Balance transfers cost $5 or 3%, while cash advances cost $10 or 4%. Late payments range from $19 to $39, depending on balance size, while returned payments cost $35.
  • Introductory APR. 0% APR on purchases and balance transfers for 12 months.
  • APR. After the intro period, purchase and balance transfer APRs range from 10.24% to 18.24%, depending on creditworthiness and prevailing rates. The cash advance APR is 24.24%, and the penalty APR is 28.99%.
  • Other Perks. The ScoreBoard feature provides detailed looks at your spending patterns and credit utilization.

Find out how you can apply for this card here.


Best Small Business Credit Cards (With Annual Fee)

9. Chase Ink Plus

Up to 5x Points Per $1 Spent on Office Supplies & Communications; 60,000-Point Sign-up Bonus

credit-card-lockInk Plus is similar to fellow Chase business card Ink Cash, though its annual fee and different rewards structure set it apart.

When you spend at least $5,000 within 3 months of opening your account, you get 60,000 Ultimate Rewards bonus points. You also earn 5 points per $1 spent at office supply stores and telecommunications providers (including phone, TV, and Internet), up to $50,000 per year. You earn 2 points per $1 spent at gas stations and hotels, again up to $50,000. After the $50,000 cap in these categories, you earn an unlimited 1 point per $1 spent. All other purchases earn an unlimited 1 point per $1 spent as well.

Redeem your points for cash back (statement credits and direct deposits), gift cards, Amazon purchases, and travel purchases booked through Chase’s Ultimate Rewards portal. Points are generally worth $0.01 each, but Chase boosts their value by 20% when they’re redeemed on travel purchases through Ultimate Rewards. You can also transfer points to approximately 10 frequent traveler programs, including United Airlines MileagePlus and Marriott Rewards, on a 1:1 basis (so 10,000 Ultimate Rewards points becomes 10,000 Marriott Rewards points) – a much better ratio than many competitors. Cash redemptions start at $20 (2,000 points), while points-to-miles transfers usually start at $10 (1,000 points).

  • Sign-up Bonus. Earn 60,000 bonus points, worth up to $750 on travel purchases, when you spend at least $5,000 within 3 months of account opening.
  • Key Fees. There’s a $95 annual fee, but no foreign transaction fees. Cash advances cost the greater of $15 or 5%, while balance transfers cost $5 or 5%. Late fees range from $15 to $39, depending on the late balance, while returned payments always cost $39.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase and balance transfer APR is a variable 15.49% to 19.49%, depending on prevailing rates. The penalty APR is 29.99%, and the cash advance APR is 25.24%.
  • Other Perks. Chase reimburses you for returns rejected within 90 days of purchase, up to $500 per item and $1,000 total per year. New purchases are covered for 120 days from theft and damage, up to $10,000 per item and $50,000 per account. Extended warranty protection provides complimentary 12-month warranty extensions on items with manufacturer warranties of less than 3 years.

See our Chase Ink Plus Business Card Review for more information. Find out how you can apply for this card here.


10. The Business Platinum Card® from American Express OPEN

2x Points on Travel; 40,000-Point Sign-up Bonus

american-express-business-platinum-cardAmerican Express Business Platinum is a popular business charge card. As a charge card, it requires full balance payment by the statement due date, but doesn’t have regular interest charges.

The Business Platinum Card comes with a generous sign-up bonus and lavish perks that compensate for a hefty annual fee of $450. These perks include complimentary access to more than 700 airport lounges worldwide, including Centurion Lounges, Delta Sky Clubs, and Airspace Lounges; free WiFi at Gogo and Boingo hotspots worldwide; reimbursement for TSA Precheck application fees (up to $100); and a $200 annual statement credit for incidental purchases made with an airline of your choice.

American Express Business Platinum has a points-based rewards system. You earn 40,000 Membership Rewards points, good for up to $400 in travel booked through American Express’s portal, when you spend at least $5,000 within 3 months of opening your account. Travel purchases booked through American Express’s website earn unlimited 2 points per $1, while all other purchases earn unlimited 1 point per $1.

Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more. Redemption minimums start at 1,000 points. Point values vary by redemption method, but rarely exceed $0.01 – for instance, statement credits value points at $0.006 apiece, while gift cards value points at $0.01 apiece.

  • Sign-up Bonus. Earn 40,000 Membership Rewards points, worth up to $400 on travel, when you spend at least $5,000 within 3 months of account opening.
  • Key Fees. There’s a $450 annual fee, but no foreign transaction fee. Late payments cost $38 or 2.99% of the outstanding balance. Returned payments always cost $38.
  • Introductory APR. Charge cards such as the Business Platinum Card don’t have APRs at all, so there’s no intro APR to worry about here.
  • APR. Although there are no regular interest charges, you’re required to pay your balance in full each month. Balances carried longer than 2 consecutive months are considered in default and may result in the closure of your account, though American Express reserves the right to allow long-time cardholders to pay over time.
  • Other Perks. The Business Platinum Card has a host of lesser perks, including insurance coverage up to $2,000 for checked baggage ($3,000 cumulatively for checked and carry-on baggage) and 24/7 travel concierge service.

See our American Express Business Platinum Card Review for more information. Find out how you can apply for this card here.


11. The Business Gold Rewards Card from American Express OPEN

3x Points in Category of Your Choice; 2x Points in 4 Other Spending Categories

american express business gold rewards cardThe Business Gold Rewards Card is another American Express charge card with a rather high annual fee, a solid rewards program, a nice sign-up bonus, and attractive membership perks.

When you spend at least $5,000 within 3 months of opening your account, you earn 25,000 Membership Rewards points. You also get 3 points per $1 spent in one spending category of your choosing, up to $100,000 annually. Categories include airfare purchased directly from airlines, advertising, gas stations, shipping (including UPS and FedEx), and computing (hardware, software, and cloud services). You get 2 points per $1 spent in the 4 remaining categories, also up to $100,000 annually. Above the $100,000 cap, purchases in the 5 categories earn an unlimited 1 point per $1 spent. All other purchases also earn 1 point per $1 spent.

Redeem your points for gift cards, travel purchases, online merchandise, and more through American Express’s Membership Rewards portal. Redemptions start at 1,000, and points are worth between $0.005 and $0.01 when redeemed.

  • Sign-up Bonus. Earn 25,000 Membership Rewards points, worth up to $250 on travel, when you spend at least $5,000 within 3 months of account opening.
  • Key Fees. There’s a $175 annual fee, waived in the first year, and no foreign transaction fees. Late payments cost $38 or 2.99% of the late balance. Returned payments cost $38.
  • Introductory APR. Like all charge cards, the Business Gold Rewards Card has no intro or regular APR.
  • APR. Though this card doesn’t have a regular APR, you need to pay your balance in full within 2 billing cycles or risk account closure and a blemish on your credit report.
  • Other Perks. There’s no preset spending limit on this card, though failure to pay your balance can lead to restrictions. Also, the baggage protection program covers carry-on bags (up to $1,250) and checked bags (up to $500) from damage and theft.

See our American Express Business Gold Rewards Card Review for more information. Find out how you can apply for this card here.


12. Business Green Rewards Card from American Express OPEN

2x Points on Travel; 5,000-Point Sign-up Bonus

american express business green rewards cardThe Business Green Rewards Card is an approachable American Express business rewards charge card with a lower annual fee, less generous rewards, and fewer perks than its fellow Amex OPEN business cards.

Your first purchase after sign-up earns you 5,000 bonus Membership Rewards points. Travel purchases booked through American Express Travel earn an unlimited 2 points per $1 spent. All other purchases earn an unlimited 1 point per $1 spent. Points can be redeemed for gift cards, travel purchases, online merchandise, and other items, starting at a redemption minimum of 1,000. Point values typically range from $0.005 to $0.01 at redemption, depending on what they’re being redeemed for – gift cards are worth up to $0.01 per point, while entertainment purchases are generally worth $0.005.

  • Sign-up Bonus. Earn 5,000 bonus Membership Rewards points, good for up to $50 in travel and other items, when you make your first purchase.
  • Key Fees. There’s a $95 annual fee, waived in the first year. Foreign transactions cost 2.7% of the total transaction amount. Late payments cost $38 or 2.99%, and returned payments always cost $38.
  • Introductory APR. Like all charge cards, this card has no intro or regular APR.
  • APR. Though you don’t have to worry about regular interest charges with this card, you’re expected to pay your balance in full each month. Failure to do so within 2 billing cycles could result in account closure and other undesirable consequences, such as a default judgment.
  • Other Perks. There’s no preset spending limit, though your account may be restricted if you fail to pay your balance in full on time. Also, when you charge the full fare on your card, complimentary travel insurance covers accidental death and dismemberment (up to $100,000) on common conveyances (such as planes, trains, boats, and cars).

See our American Express Business Green Rewards Card Review for more information. Find out how you can apply for this card here.


13. The Plum Card® from American Express OPEN

60-Day Interest Free Payment Period; 1.5% Discount for Early Payment

american express business plum cardThe Plum Card is a business charge card with flexible payment terms (by charge card standards) and a bevy of other useful perks. However, its annual fee is on the high side, and it lacks a rewards program.

As a Plum Card member, you get an unlimited 1.5% discount when you pay your card balance in full within 10 days of your statement closing date, payable as a statement credit on the following billing statement. For instance, if you pay a $1,000 balance within 10 days of statement closing, your next statement includes a $15 credit.

As long as you make at least the minimum payment (typically 10% of new payment activity, plus any carried balance) by your statement due date, you can wait until the following statement’s due date to pay the remainder of your balance without incurring penalty fees. Most charge cards require you to pay in full at each statement due date.

  • Sign-up Bonus. There’s no sign-up bonus.
  • Key Fees. There’s a $250 annual fee, waived in the first year, and no foreign transaction fee. Late payments cost a minimum of $38 and may range up to 2.99% of the late amount. Returned payments cost $38.
  • Introductory APR. This charge card has no regular or intro APR.
  • APR. Though this card doesn’t accrue interest charges, failure to pay in timely fashion can result in account closure.
  • Other Perks. There’s no preset spending limit, though American Express may impose spending limits in response to changes in your payment history or credit. Also, it includes complimentary baggage insurance (for theft and damage, up to $1,250 for carry-on luggage and $500 for checked bags) and accidental death and dismemberment insurance for travel-related incidents.

See our American Express Plum Card Review for more information. Find out how you can apply for this card here.


14. Gold Delta SkyMiles® Business Credit Card from American Express

2 Miles Per $1 Spent With Delta; 30,000-Mile Sign-up Bonus + $50 Statement Credit

american express gold delta skymiles business cardThe Gold Delta SkyMiles Business Card is a business-friendly version of the popular Gold Delta SkyMiles Credit Card from American Express. It has a solid sign-up bonus, rewards system, and Delta perks, offset by somewhat high APRs.

When you spend at least $3,000 within 3 months of opening your account, you get 30,000 bonus Delta SkyMiles. You also get a $50 statement credit after making your first Delta purchase within 3 months. Every Delta purchase with this card earns 2 SkyMiles per $1, with no caps or restrictions. All other purchases earn 1 SkyMile per $1. Redeem accumulated SkyMiles for airfare (booked through Delta.com), online merchandise, gift cards, hotels, car rentals, and other items. Miles are generally worth less than $0.005 to $0.01, depending on how they’re redeemed. Redemption minimums start below 5,000 miles and vary by redemption method.

  • Sign-up Bonus. Earn 30,000 bonus SkyMiles (worth up to $300) when you spend at least $3,000 in the first 3 months of account opening, plus a $50 statement credit when you make a Delta purchase in the first 3 months.
  • Key Fees. There’s a $95 annual fee, waived during the first year, and no foreign transaction fees. The cash advance fee is the greater of $5 or 3%. Late and returned payments cost $38. There’s no balance transfer option.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase APR ranges from 15.49% to 19.49%, depending on prevailing rates and creditworthiness. The cash advance APR is 25.49%, and the penalty APR is 29.49%.
  • Other Perks. Always get priority boarding on Delta flights, first checked bag free, and 20% in-flight discounts on food, beverages, and incidentals.

See our American Express Gold Delta SkyMiles Business Card Review for more information. Find out how you can apply for this card here.


15. Starwood Preferred Guest® Business Credit Card from American Express

5 Starpoints Per $1 Spent at Starwood Properties; 25,000-Point Sign-up Bonus

american express starwood preferred guest business cardThe Starwood Preferred Guest Business Credit Card is the business version of American Express Starwood Preferred Guest. The two cards have similar APRs, fees, rewards programs, and fringe benefits.

Every $1 spent at participating Starwood properties (including Sheraton and Westin) earns you 5 Starpoints, with no spending limits or restrictions. All other purchases earn an unlimited 1 point per $1 spent. You can redeem accumulated Starpoints for free nights at Starwood hotels, at a value of up to $0.025 apiece, or transfer your Starpoints to 30 participating frequent flyer programs (covering 150 airlines). Transfers greater than 20,000 points earn a 5,000 Starpoint bonus. All told, this is a great card for business owners who regularly travel.

  • Sign-up Bonus. Earn 25,000 bonus Starpoints, worth up to $625 in cash, when you spend at least $5,000 within the first 3 months of card membership.
  • Key Fees. The card’s annual fee is $95, waived in the first year, and there are no foreign transaction fees. Balance transfers and cash advances cost the greater of $5 or 3%. Late and returned payments cost $37.
  • Introductory APR. There is no introductory APR.
  • APR. The purchase and balance transfer APR is 15.49% to 19.49%, depending on your prevailing rates and your personal creditworthiness. The cash advance APR is 25.49%, and the penalty APR is 29.49%.
  • Other Perks. Enjoy free in-room premium WiFi, free access to thousands of Boingo WiFi hotspots worldwide, and reimbursement up to $300 per item and $1,200 per calendar year for merchandise returns rejected by the original retailer.

See our American Express Starwood Preferred Guest Business Card Review for more information. Find out how you can apply for this card here.


16. Capital One® Spark® Miles for Business

2 Miles Per $1 Spent on All Purchases; 50,000-Mile Sign-up Bonus

capital one spark miles business credit cardCapital One’s Spark Miles for Business has a modest annual fee, a solid travel rewards program, and a very attractive sign-up bonus.

When you spend at least $4,500 in 3 months, you earn 50,000 bonus miles – good for statement credits of up to $500 on travel purchases. All purchases earn an unlimited 2 miles per $1 spent, with no spending caps or categories. Accumulated miles can be redeemed for statement credits or direct purchases (through Capital One) on a wide range of travel-related items, including airfare and hotel stays, at a rate of $0.01 per mile.

  • Sign-up Bonus. Earn 50,000 bonus miles, worth up to $500 in travel, when you spend at least $4,500 within 3 months of account opening.
  • Key Fees. The $59 annual fee is waived for the first year. Cash advances cost the greater of $5 or 3%, and there’s no balance transfer fee or foreign transaction fee.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase and balance transfer APR is a variable 17.24%, depending on prevailing rates. The penalty APR is 29.65%, and the cash advance APR is 23.24%.
  • Other Perks. Capital One’s emergency assistance program reimburses you for trips and reservations that need to be canceled due to illness, accidents, and other uncontrollable events.

See our Capital One Spark Miles Business Card Review for more information. Find out how you can apply for this card here.


17. Capital One® Spark® Cash for Business

2% Cash Back on All Purchases; $500 Sign-up Bonus

capital one spark cash business credit cardSpark Cash for Business is very similar to Spark Miles for Business. The rates, fees, and sign-up bonus value are identical. The primary difference is a cash-based, not miles-based, rewards system.

When you sign up for this card and spend at least $4,500 within 3 months, you get $500 bonus cash back. From the outset, all purchases earn unlimited 2% cash back, with no caps or restrictions. You can redeem accumulated cash back in any amount for checks or general statement credits.

  • Sign-up Bonus. Earn $500 bonus cash back when you spend at least $4,500 within 3 months of account opening.
  • Key Fees. There’s a $59 annual fee, waived for the first year, but no balance transfer or foreign transaction fees. Cash advances cost the greater of $5 or 3%.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase and balance transfer APR is a variable 17.24%, depending on prevailing rates. The cash advance APR is 23.24% and the penalty APR 29.65%.
  • Other Perks. Get a customized, itemized quarterly spending report with your statement 4 times per year.

See our Capital One Spark Cash Business Card Review for more information. Find out how you can apply for this card here.


18. CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

2 AAdvantage Miles Per $1 Spent on AA Airfare & Other Select Categories; 30,000-Mile Sign-up Bonus

citibusiness aadvantage platinum select mastercardCitiBusiness / AAdvantage Platinum Select is a popular business credit card with a generous rewards program, attractive sign-up bonus, and nice fringe benefits. Its non-business counterpart is the Citi / AAdvantage Platinum Select.

When you sign up and spend at least $1,000 within 3 months, you earn 30,000 bonus American Airlines AAdvantage miles, worth up to $300. All American Airlines, car rental, telecommunications, and gas station purchases earn an unlimited 2 miles per $1 spent, with no caps or restrictions. Purchases in other categories earn an unlimited 1 mile per $1 spent. You can redeem accumulated miles for American Airlines airfare purchases, starting at a minimum of 12,500. The value of miles can range from less than $0.01 to around $0.02, depending on the dollar cost of the flight for which they’re redeemed.

  • Sign-up Bonus. Earn 30,000 American Airlines AAdvantage bonus miles, good for up to $300 in airfare, when you spend $1,000 within 3 months of account opening.
  • Key Fees. There’s a $95 annual fee, waived during the first year, but no foreign transaction fee. Late fees range from $15 to $39, depending on balance size. Balance transfers and cash advances cost the greater of $5 or 3%.
  • Introductory APR. There’s no intro APR.
  • APR. The purchase and balance transfer APR is 15.49%, the cash advance APR is 21.99%, and the penalty APR is 29.99%.
  • Other Perks. The first checked bag is always free for you and up to 4 companions (including employees). Also, you always get Group 1 boarding on American Airlines flights, plus 25% off all in-flight purchases.

See our CitiBusiness AAdvantage Platinum Select Card Review for more information.


Final Word

The sharing economy is changing what it means to be in business for yourself. Being an entrepreneur today can be as simple as driving for a ridesharing app in your spare time, renting out an extra bedroom for short stays on Airbnb, or putting up a personal website touting your freelance skills. You don’t need thousands of dollars in startup capital, a dedicated office, or employees working under you.

If you’re a lean, modern “solopreneur,” you might not realize that you’re eligible to apply for business credit cards – but you probably are. And even if you aren’t in business for yourself at the moment, starting your own small business is likely to be simpler than you think. When the time comes to set out on your own, make sure you have a trusty spending ally in your wallet.

What’s your favorite credit card for business spending?

  • Anonymous

    I c?n’t b?leive…..M? fri?nd’s sist?r m?k?s 96/hr on the L?????. Sh? h?s b?en un?mplo??d for 10 months but l?st month h?r incom? was 8253 USD ?ust w?rking ?n th? PC f?r ? f?w h?urs. G? t? this w?b sit?….http://alturl.com/6m2e4

  • Sharon

    yes i will like to no is there a credit card out there to build your credit up if your credit is not to good

    • FraserSt

      There are some good cards for people with fair credit such as the Capital One Journey card, Capital One Quicksilver, etc.

      You can also use the reward calculator at CreditCardTuneUp. com to see which cards will pay you more in reward value for your expenses.

  • FraserSt

    You can also use the reward calculator at CreditCardTuneUp. com to find which cards will pay you more in reward value for your business expenses.

    It also calculates good combinations of cards for your business’s spending.