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Best Business Credit Cards for New Businesses
WalletHub makes it easy to find the best business credit card for a new business.
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U.S. Bank Business Leverage® Visa Signature® Card U.S. Bank Business Leverage® Visa Signature® Card
- Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Terms and conditions apply
- High rewards rate
- $750 initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- U.S. Bank Business Leverage® Visa Signature® Card
- No annual fee for the first year and $95 thereafter. No annual fees for employee cards.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- Terms and conditions apply
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 14.74% - 23.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express

- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- Terms Apply
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Capital One Spark Cash Select - 0% Intro APR for 12 Months Capital One Spark Cash Select - 0% Intro APR for 12 Months

- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No rewards bonus
- No intro APR on balance transfers
- Requires good/excellent credit
- 0% Intro APR for the first 12 months; 16.24% - 24.24% variable APR after that
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
Ink Business Cash® Credit Card Ink Business Cash® Credit Card

- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 13.49% - 19.49% (V) regular APR
- 3% foreign transaction fee
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Cash® Credit Card
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card

- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
- Terms Apply
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $250 initial rewards bonus
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card

- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No Annual Fee
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Unlimited® Credit Card
Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Select - $500 Cash Bonus

- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- No membership fees
- $500 initial rewards bonus
- No foreign fee
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - $500 Cash Bonus
U.S. Bank Business Platinum Card U.S. Bank Business Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% - 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- See More Details & Reviews About TheU.S. Bank Business Platinum Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- High rewards rate
- 65,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No balance transfers allowed
- Requires excellent credit
- No Foreign Transaction Fees
- See More Details & Reviews About TheCitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Best Business Credit Cards for New Businesses in 2022
Capital One Spark Cash Plus
The best business credit card for a new business is the Capital One Spark Cash Plus because it offers 2 - 5% cash back on purchases, in addition to an initial bonus of $500 for spending $5,000 in the first 3 months and $500 for spending $50,000 in the first 6 months. Those rewards make the card’s $150 annual fee seem like a bargain.
Just bear in mind that this is a charge card, which means you have to pay the bill in full every month. You also need good credit personally to get approved.
Ink Business Preferred® Credit Card
The best new-business credit card for travel rewards is the Ink Business Preferred® Credit Card. For starters, it offers 100,000 points for spending $15,000 in the first 3 months. In addition, cardholders earn 1 - 3 points per $1. Points are also worth 25% more than usual when redeemed for travel through Chase Ultimate Rewards.
This card has an annual fee of $95 and requires at least Good personal credit for approval.
Brex Corporate Card for Startups
The best business credit card with no personal guarantee for new businesses is the Brex Corporate Card for Startups. It has a $0 annual fee, rewards you with 1 - 7 points per $1 on purchases, and offers an initial bonus of 30,000 points for spending $3,500 or 50,000 points for spending $9,000 in 30 days. Plus, unlike with most small business credit cards, you won’t be personally liable for unpaid balances. No credit history is needed to get approved, either.
Capital One Spark Classic for Business
The best business credit card for a new business with no credit is Capital One Spark Classic for Business because it rewards cardholders with 1 - 5% cash back on all purchases and has a $0 annual fee. Plus, Capital One Spark Classic is available to small business owners with just limited credit.
Overall, WalletHub’s editors compared 1,500+ credit card offers based on their suitability for new companies and entrepreneurs of all credit levels. These cards ultimately rose to the top.
Best Business Credit Cards for New Businesses Comparison
Credit Card | Best For | Annual Fee | Credit Score |
Capital One Spark Cash Plus | Cash Back | $150 | Good |
Ink Business Preferred® Credit Card | Travel Rewards | $95 | Good |
Brex Corporate Card for Startups | No Personal Guarantee | $0 | Limited History |
Capital One Spark Classic for Business | Building Credit | $0 | Limited History |
Capital One Spark Miles for Business | Travel Rewards | $0 intro for 1st yr, $95 after | Good |
U.S. Bank Business Platinum Card | 0% APR | $0 | Good |
If you don’t know where your personal credit currently stands, you can check your credit score for free on WalletHub – the only site offering free credit scores and reports that are updated daily. This will help you find the best credit card for your new business and ensure that you’re getting the best deal on your personal loans and lines of credit, too.
Methodology for Selecting the Best Business Credit Cards for New Businesses
To find the best business credit cards for new businesses, WalletHub editors compare offers from a database of more than 1,500 credit cards. This comparison focuses primarily on each card’s expected rewards value after factoring in fees, given that business credit cards are best for earning rewards on everyday company purchases. Financing also is an important concern for many new businesses, however, so we select the cards best suited to saving on interest as well.
When evaluating the best credit card options for new businesses, we consider cards for applicants of all credit levels, as approval depends more on the business owner’s personal creditworthiness than how old the company is. Furthermore, we consider business credit cards as well as general-consumer cards because small business owners will be personally liable regardless of which type of card they use. As a result, the card with the most money-saving potential overall is the best choice.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Business Credit Cards for New Businesses FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Ask the Experts
Countless variables contribute to the success or failure of a new business, including the business owner’s choice of credit card. From everyday rewards and expense-tracking tools to actually funding operations, plastic can indeed play a pivotal role. Complicating matters, however, are questions about how personal small business credit card use really is as well as uncertainties about which particular offer to use and how to use it
In the interest of helping new business owners better understand the intricacies of their credit card options, we posed the following questions to a panel of leading small business experts. You can find their bios and responses below.
- How important are credit cards to new business owners?
- Is a credit card the best way to fund a new business?
- What should a new business owner look for in a credit card?
- Are credit cards better for some new businesses than others?
- Are there any credit-card accounting issues that new business owners should be aware of?
- Are credit cards better or worse for new business owners now than before the Great Recession?
Assistant Professor, Department of Management and Marketing, Louisiana State University Shreveport
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Assistant Professor of Management, Berry College, Campbell School of Business
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Associate Professor Management and Director of the Center for Economics, Business and Entrepreneurship Education in the Sigmund Weis Business School at Susquehanna University
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Associate Professor of Business and Management and Associate Dean for College Operations and Faculty Development at National Louis University
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Associate Professor of Management & Charles C. and John G. Gates Distinguished Professor in Entrepreneurship in the School of Business and Economics at Michigan Technological University
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Associate Professor of Strategy in the Department of Management at the University of Nebraska Omaha College of Business Administration
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