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9 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 or 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 require good or excellent credit to qualify and come with annual fees, and if you’re going to pay that much for a credit card, you should pick the one with the best features for your business.

The Best Small-Business Credit Cards Right Now

These are the best small-business credit cards on the market right now. They include a mix of low-interest credit cards, travel rewards credit cards, cash-back credit cards, and general-purpose rewards cards.

Best Overall: Ink Business Preferred® Credit Card

Chase Ink Business Preferred® credit card

The Chase Ink Business Preferred® Credit Card is a longtime favorite of Chase small-business card users. It offers:

  • Sign-up Bonus: When you spend at least $8,000 in eligible purchases within 3 months of opening your account, you earn 100,000 bonus Ultimate Rewards points. That's worth $1,250 when redeemed for travel purchases on Chase Travel℠, and $1,000 when redeemed for cash back or general merchandise.
  • Earning Rewards: Earn 3x points per $1 spent on travel, shipping purchases, telecommunications purchases (such as Internet, cable, mobile phone bills), and advertising, up to $150,000 in combined spending across those categories in each account anniversary year. All other purchases earn unlimited 1 point per $1 spent.
  • Redeeming Rewards: Redeem in any amount for travel, statement credits, gift cards, and more in the Chase Travel℠ portal. The card includes an attractive points transfer feature that lets you swap your Chase Ultimate Rewards points for other companies’ loyalty currency at a 1-to-1 ratio.
  • Annual Fee: $95

Additional Features:

  • Get cell phone protection (up to $600 per claim) when you pay your cell phone bill in full with your card.
  • Enjoy complimentary loss and damage coverage on rental cars paid in full with this card.
  • Take advantage of trip cancellation and interruption insurance coverage potentially worth thousands per claim.
  • No foreign transaction fee on purchases made overseas or from international merchants.

It all adds up to the best overall credit card for small-business users.

Learn More

Pros

  • Up to 3x points on eligible purchases
  • Category-leading sign-up bonus
  • Transfer points to over 10 travel merchants, potentially multiplying their value

Cons

  • Low baseline rewards rate
  • No way to earn above the 3x bonus rewards rate

Best for Flat-Rate Cash Back: Ink Business Unlimited® Credit Card

Ink Business Unlimited Card Art

The Chase Ink Business Unlimited® Credit Card is a no-annual-fee business credit card that echoes the consumer version of the card, which also earns unlimited 1.5% cash back on most purchases.

Ink Business Unlimited accrues cash back via Ultimate Rewards points, which you can redeem for more than just cash and travel. The one-two punch of a no-nonsense rewards program and flexible redemption make it the best flat-rate cash back card for business owners, period.

  • Sign-up Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
  • Earning Rewards: Earn unlimited 1.5% cash back on all eligible purchases with your card.
  • Redeeming Rewards: Redeem for cash, gift cards, travel purchase, and general merchandise through the Chase Ultimate Rewards portal.
  • Additional Benefits: Enjoy value-adds like cell phone protection up to $600 per claim, complimentary loss and damage coverage on rental cars paid in full with this card, and additional travel insurance coverage up to applicable policy limits.
  • Annual Fee: $0

Learn More

Pros

  • Predictable cash-back rewards with no limits
  • Above-average sign-up bonus
  • No annual fee
  • Above-average intro purchase APR

Cons

  • No intro balance transfer APR
  • No way to earn above 1.5% cash back

Best Tiered Cash Back Program: Ink Business Cash® Credit Card

Ink Business Cash Card Art

The Chase Ink Business Cash® Credit Card is a popular business credit card with a generous cash-back rewards program, above-average sign-up bonus, and attractive 0% intro APR promotion.

With the potential to earn up to 5% cash back on select purchases, the ongoing cash-back program qualifies as the best tiered cash-back scheme of any card on this list. It’s a compelling choice if you concentrate your business spending on office supplies, telecommunications, fuel, and dining.

  • Sign-up Bonus: Earn up to $750 cash bonus: $350 cash bonus after you spend $3,000 in the first 3 months and an additional $400 if you spend $6,000 in your first 6 months.
  • Earning Rewards: Earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services) and 2% cash back on gas station and restaurant purchases. Purchases in the 5% and 2% categories have a combined $25,000 annual spending cap, after which they earn 1% cash back. All other purchases always earn unlimited 1% cash back.
  • Redeeming Rewards: Redeem for cash, gift cards, travel purchase, and general merchandise through the Chase Ultimate Rewards portal.
  • Additional Benefits: Value-adds include complimentary rental car coverage, cell phone protection, and additional travel insurance coverages up to applicable policy limits.
  • Annual Fee: $0

Learn More

Pros

  • Up to 5% back on eligible purchases
  • Above-average sign-up bonus
  • No annual fee
  • Above-average intro purchase APR

Cons

  • Low baseline cash-back rate
  • 5% and 2% categories have annual spending caps
  • No intro balance transfer APR

Best Return on Everyday Business Spending: BMO Business Platinum Rewards Credit Card

Bmo Business Platinum Rewards Card Art 7 31 23

The BMO Business Platinum Rewards Credit Card is a practical credit card for everyday business spending.

Its generous rewards program offers up to 5x points for every $1 spent on eligible purchases and an above-average number of purchase categories that earn above the baseline 1x rate. Points don’t expire as long as your account remains open and in good standing.

  • Sign-up Bonus: Earn 50,000 bonus points when you spend $5,000 within 3 months of account opening. Then earn an additional 50,000 bonus points when you spend $50,000 within 12 months of account opening.
  • Earning Rewards: Earn 5x points on eligible Internet and phone services, 4x points on office supplies and printing, 3x points on gas purchases, 2x points on eligible dining purchases, and 1x point on all other eligible purchases.
  • Redeeming Rewards: Redeem for travel, gift cards, cash, general merchandise, and more through BMO’s rewards portal.
  • Additional Benefits: Enjoy discounts on Intuit Quickbooks and TurboTax to streamline your accounting and simplify your taxes. Plus, save up to 25% at 40,000-plus Mastercard Easy Savings merchants selling gas, meals, office supplies, hotels, and more.
  • Annual Fee: $0

Learn More

Pros

  • Up to 5x points on eligible purchases
  • Multiple broad bonus rewards categories
  • No annual fee
  • Above-average intro purchase APR

Cons

  • Low baseline cash-back rate
  • No intro balance transfer APR

Products and services are provided by BMO Bank N.A. and are subject to bank and credit approval. Terms and conditions apply.


Best for Business Travelers: The Business Platinum Card® From American Express

Amex Business Platinum Card Art 7 1 21 300x190

The Business Platinum Card® from American Express is a popular business card that’s fantastic for business travelers in particular.

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend at least $15,000 in eligible purchases within 3 months of opening your account. Terms apply.
  • Earning Rewards: Airfare and prepaid hotel purchases booked through American Express Travel earn 5 points per $1 spent. Purchases in key business spending categories and all other purchases greater than $5,000 earn 1.5 points per $1 spent ($2 million annual purchase cap on these purchases applies). All other eligible purchases earn 1 point per $1 spent.
  • Redeeming Rewards: Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more.
  • Annual Fee: $695 (rates and fees)

This card’s top travel perks include:

  • Up to a $200 statement credit for purchases made with an airline of your choice (enrollment required).
  • Complimentary access to more than 1,400 airport lounges worldwide through the American Express Global Lounge Collection (enrollment required).
  • Reimbursement for TSA Precheck application fees (up to $85) or Global Entry application fees ($100), but not both programs.
  • A 35% bonus when using Membership Rewards® points to book travel with your selected qualifying airline, up to 1 million bonus Membership Rewards® points each calendar year.

Learn More

Pros

  • Extensive perks for frequent travelers
  • Excellent welcome offer

Cons

  • High annual fee
  • Low baseline rewards rate

For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.


Best for Larger Purchases: Ink Business Premier® Credit Card

Ink Business Premier Card

The Chase Ink Business Premier® Credit Card is Chase’s newest small-business credit card, and it has the best cash-back rate for larger business purchases.

Earn unlimited 2.5% cash back on individual purchases worth $5,000 or more, a notable improvement on the card’s baseline 2% cash-back rate on smaller purchases.

  • Sign-up Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
  • Earning Rewards: Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, unlimited 2.5% total cash back on purchases of $5,000 or more, and unlimited 2% cash back on all other business purchases.
  • Redeeming Rewards: Redeem in any amount for cash, gift cards, travel, general merchandise, and more.
  • Additional Benefits: Enjoy complimentary travel protections, including trip cancellation and trip interruption insurance.
  • Annual Fee: $195

Learn More

Pros

  • Above-average baseline cash back, especially on big purchases
  • Extensive Chase Travel℠ benefits
  • Above-average sign-up bonus

Cons

  • No intro APR promotion
  • Limited opportunity to earn more than 2.5% cash back

Best for Unlimited Physical & Virtual Cards: Ramp

Ramp Metal

Ramp is a simple Visa business credit card that dispenses with the gimmicks — and limits — of other corporate payment products.

Its biggest differentiator is its truly limitless supply of physical and virtual cards. There’s no cap on the number of employee cards you can add and no limit to the number of single-purpose virtual cards you can create (which is useful for security-minded companies with lots of subscriptions and vendors).

  • Sign-up Bonus: None
  • Earning Rewards: Earn unlimited 1.5% cash back on all eligible spending, with no tiers, categories, or multipliers.
  • Redeeming Rewards: Redeem in any amount for statement credits against prior purchases.
  • Additional Benefits: Advanced card controls allow you to block transactions at specific vendors, on specific cards, or across your entire employee card network. Plus, you can customize your cards’ branding to add your company logo at no additional cost.
  • Annual Fee: $0

Learn More

Pros

  • Create and destroy cards at will
  • Sophisticated spending and card controls

Cons

  • Mediocre baseline cash-back rate
  • No sign-up bonus

Best for Frequent Flyers: Delta SkyMiles® Reserve Business American Express Card

Delta Skymiles Reserve Business Card Art 8 3 22

The Delta SkyMiles® Reserve Business American Express Card is a super-premium business travel card designed for frequent flyers who like to travel in style.

Big spenders make out especially well with this card. Spending on the Card will earn you bonus MQDs to help get you to status faster, making it even easier to ascend the Medallion status ranks and earn coveted Delta perks.

  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Earning Rewards: Earn 3 SkyMiles per $1 spent on eligible Delta purchases. Plus, earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your card in a year.
  • Redeeming Rewards: The best way to redeem is for Delta award airfare or fare upgrades. If you don’t have enough SkyMiles to redeem for a full award flight, you can combine SkyMiles and cash to reduce your out-of-pocket airfare cost.
  • Delta Benefits: Enjoy complimentary Delta Sky Club membership (Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter). Plus, receive complimentary access to the Centurion Lounge or the Escape Lounge – The Centurion Studio Partner when you purchase a Delta flight with your SkyMiles Reserve Business card (enrollment required). Qualify for one complimentary companion certificate each year, including on some first-class fares (terms apply). Plus, you may save 15% on Delta award travel with TakeOff15, an exclusive benefit for SkyMiles cardholders — applies only to Delta-operated flight fares, not partner-operated fares or taxes and fees on any award flight.
  • Annual Fee: $650 (rates and fees)

Learn More

Pros

  • Above-average welcome offer
  • Lots of potentially valuable Delta perks

Cons

  • Low baseline rewards rate
  • High annual fee

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page. Terms and limitations apply.


Best for Frequent Hotel Guests: Marriott Bonvoy Business® American Express® Card

Image

The Marriott Bonvoy Business® American Express® Card is the business version of the Marriott Bonvoy Brilliant American Express Card.

It’s the best business credit card overall for business travelers who regularly stay in hotels thanks to an unusually generous status benefit, multiple opportunities to earn free nights at Marriott properties, and an above-average rewards scheme.

  • Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply.
  • Earning Rewards: Eligible purchases at participating Marriott Bonvoy hotels earn 6 points per $1 spent. Eligible purchases made at restaurants worldwide, U.S. gas stations, on wireless telecom purchases made directly with U.S. providers, and U.S. shipping purchases earn 4 points per $1 spent. All other eligible purchases earn 2 points per $1 spent.
  • Redeeming Rewards: You can redeem accumulated Bonvoy points for free nights at participating Marriott Bonvoy hotels. All cardholders in good standing enjoy complimentary Marriott Bonvoy Gold Elite status and one free night award every year after your account anniversary at participating Marriott Bonvoy hotels with redemption levels at or under 35,000 points per night. Terms and conditions apply.
  • Marriott Benefits: Enjoy complimentary Gold Elite Status as long as your account remains open and in good standing. Plus, get 1 free award night each year after your cardmember anniversary — and when you make at least $60,000 in eligible purchases on your card in a calendar year, you receive an additional award night at participating hotels with redemption levels at or under 35,000 points per night.
  • Annual Fee: $125 (rates and fees)

Learn More

Pros

  • Category-leading welcome offer
  • Above-average return on spending at Marriott properties
  • Automatic Gold Elite Status with card membership

Cons

  • Has an annual fee
  • Poor point value when not redeemed for award nights

For rates and fees of the Marriott Bonvoy Business® American Express® Card, please visit this rates and fees page.

Methodology: How We Select the Best Small-Business Credit Cards

We use several important factors to evaluate small-business credit cards. Those that score highest on an acceptable mix of factors earn a spot on this list.

Qualification Requirements

Virtually all small-business credit cards assess applicant creditworthiness. 

Some are fine with applicants using their personal credit scores to apply, provided they personally guarantee the account.

Other small-business credit cards ask that applicants have a business credit score before they apply. This is something of a catch-22 for new businesses since it’s hard to build credit without a credit history. But there are ways to do it. For more information, read our article on ways to establish business credit fast.

More selective small-business credit cards typically have minimum revenue and time-in-business requirements as well. These standards weed out new or revenueless enterprises.

Personal Guarantee Requirements

If you’re applying for your first small-business credit card, choose one that accepts a personal guarantee. That’s your ticket into the business credit card world and could help you build business credit over time. But beware. If your account becomes delinquent, your personal credit could suffer.

Rewards Program

Most of the credit cards on this list have a rewards program. We evaluate them based on:

  • How generous they are overall
  • Which spending categories they reward
  • Whether they have any caps or restrictions on earned rewards
  • How easy it is to redeem
  • What you can redeem for

Earning rewards is the reason many small-business owners sign up for small-business cards, so we take this evaluation seriously.

Sign-Up Bonus (Welcome Offer)

Many of these cards offer bonus rewards for new cardholders. Typically, these sign-up bonuses — also known as welcome offers or early spend bonuses — require hefty upfront spending. 

But that’s no sweat for capital-intensive businesses. So all else being equal, we prefer business cards with attractive sign-up bonuses.

Interest Rate & Promotions

Carrying a credit card balance is never ideal, but sometimes, you have no choice — especially when you’re building a business and watching absolutely every penny.

With that in mind, we prefer small-business cards with low regular interest rates and long 0% APR introductory promotions. The latter isn’t as common in the business card world as it is among personal cards, but you can still find 0% APR promotions if you know where to look.

Benefits for Business Users

This is where some business cards really shine. From partnerships with popular business vendors (bookkeeping software, digital storage) to cutting-edge spend reporting and analysis tools, the best business credit cards offer thousands of dollars in annual value to dedicated users. We reward them with high placement on this list.

Annual Fee

Sometimes, you have to spend money to make money. The best business credit cards generally have annual fees, but we prefer those that keep them reasonable — a subjective description if ever there were one.

Other Fees

Other business credit card fees include but aren’t limited to:

  • Fees for employee cards
  • Foreign transaction fees
  • Balance transfer fees
  • Cash advance fees
  • Late and returned payment fees

Most business cards charge at least some of these fees, so there’s really no such thing as a “fee-free” business credit card. But we prefer cards that keep these fees to a minimum.


Small-Business Credit Card FAQs

It’s normal to have questions about credit cards for your small business. Most of the answers are common sense when you think about it, but it’s reassuring to see them in writing.

How Do You Qualify for a Small-Business Card?

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. That’s 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 you own an incorporated business with legitimate cash flow, you won’t qualify.

Do You Need to Personally Guarantee Your Small-Business Credit Card?

It depends.

You should know before you apply whether you need to personally guarantee your business credit card account. If you don’t have to, you should think very carefully before doing so since it could open you up to considerable personal liability if things go sideways.

That said, you might have no choice. If this is your first business credit card, your business credit history probably isn’t enough to qualify.

Does Using a Small-Business Card Hurt Your Credit Score?

Only if you don’t use it responsibly — or your business falls on hard times. If you keep your credit utilization at a manageable level and pay your bills on time, your small-business credit card could improve your business credit score — or improve your personal credit score if you went that direction.

How High Are Credit Limits on Small-Business Credit Cards?

It depends on several factors:

  • Your credit score (personal, business, or both)
  • Your business revenue (or personal income, if you’re personally guaranteeing the card)
  • Your requested credit limit
  • Your time in business

Other factors may come into play as well. The best business credit cards have eye-popping limits, often 20 or 30 times revenue, and business charge cards typically have no preset spending limits at all. But that doesn’t mean they’re appropriate or accessible for your business.

How Much Do Small-Business Credit Cards Cost?

No-annual-fee business cards do exist — there are some on this list. But premium cards charge annual fees ranging from $100 to more than $500.


Final Word

If you still haven’t found a clear business credit card winner, don’t fret. You’re closer to the end of your search than to the beginning. 

You just need some perspective. So take a step back and consider:

  • Your company’s top spending categories
  • How much you spend overall in a typical month or year
  • Which benefits you value above all
  • Whether you need short-term financing to reach a key milestone
  • How many people in your organization are authorized to use a company credit card

Your answers can guide you toward the right card for your needs — or at least a narrower set of potential choices.

The final decision might well come down to gut feeling. But so do plenty of high-stakes business decisions.

For rates and fees of the the Business Platinum Card® from American Express, please visit this rates and fees page.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card , please visit this rates and fees page.

For rates and fees of the Marriott Bonvoy Business® American Express® Card, please visit this rates and fees page.

Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
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