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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Business Credit Cards for New Businesses
- Capital One® Spark® Cash for Business: Cash Back
- Ink Business Preferred® Credit Card: Travel Rewards
- Capital One® Spark® Classic for Business: Building Credit
- BBVA Compass Business Secured Credit Card: Rebuilding Credit
- HSBC Gold Credit Card: Big-Ticket Purchases
- U.S. Bank Business Platinum: Balance Transfers
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 card purchases with no limit to the amount you can earn
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash® Credit Card
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express

- 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.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *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 us, and other factors.
- Terms Apply
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card

- 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 us and other factors.
- Terms Apply
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Unlimited® Credit Card
Brex Corporate Card for Startups Brex Corporate Card for Startups

- 30,000 Brex Rewards points after spending $1,000 with Brex.
- Unlimited points. Earn more points on your most significant purchases, including software subscriptions and travel.
- Earn 7 points per dollar on rideshare/taxi, 4 points on travel booked through Brex Travel.
- Earn 3 points on dining and coffee shops.
- Earn 2 points on recurring software subscriptions. 1 point per 1 dollar on everything else.
- WFH Rewards Option: 7 points per dollar on remote collaboration tools (zoom,etc). 3 points per dollar on food delivery (uber eats, etc). 2 points per dollar on recurring software. 1 point per dollar on all other purchases.
- The Brex corporate card for startups was built from the ground up to help scale your growing company.
- No personal guarantee. We underwrite your company, not you, so your personal credit score will never be affected.
- 10-20x higher limits. You’ll have access to more credit more quickly.
- See More Details & Reviews About TheBrex Corporate Card for Startups
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
- Earn 2 AAdvantage® miles per $1 spent 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
- No Foreign Transaction Fees
- See More Details & Reviews About TheCitiBusiness® / AAdvantage® Platinum Select® Mastercard®
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Southwest Rapid Rewards® Performance Business Credit Card Southwest Rapid Rewards® Performance Business Credit Card

- Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.
- 9,000 bonus points after your Cardmember anniversary.
- 3 points per $1 spent on Southwest Airlines® purchases.
- 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
- 4 Upgraded Boardings per year when available
- Inflight WiFi Credits
- Global Entry or TSA Pre✓® Fee Credit
- Employee cards at no additional cost, earn points on employee spending.
United℠ Business Card United℠ Business Card

- Earn 60,000 bonus miles after qualifying purchases and enjoy $0 intro annual fee.
- Receive a 5,000-mile better-together anniversary bonus when you have the United Business Card and a personal United credit card.
- Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Enjoy no blackout dates - plus, miles never expire for MileagePlus® members.
- Free checked bag - save up to $140 per roundtrip. (Terms apply.)
- 2 United Club℠ one-time passes after account opening and on each anniversary* - over a $100 value per year.
- $100 United travel credit after qualifying purchases, 25% back on United in-flight purchases and priority boarding.
- Add employee cards at no additional cost - miles earned from their purchases accrue in your account and you can set individual spending limits on each card.
Ink Business Preferred® Credit Card Ink Business Preferred® Credit Card

- 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®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
- Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
- No foreign transaction fees
- Employee cards at no additional cost
- $95 Annual Fee
- See More Details & Reviews About TheInk Business Preferred® Credit Card
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WalletHub's Best Business Credit Cards for a New Business

It might surprise you that the best business credit card for a new business isn’t just the offer with the lowest approval standards. A lot of people assume otherwise. But neither the age of your business nor its credit standing plays much of a role. It’s your own personal credit standing that really matters. So the best business credit card for a new business venture is one that you can get approved for personally which offers great terms for the types of transactions you expect to be making.
With that in mind, WalletHub’s editors compared 1,000+ 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
Credit Card | Best For | Credit Score | Annual Fee |
Capital One® Spark® Cash for Business | Cash Back | Good | $0 for 1st yr, $95 after |
Ink Business Preferred® Credit Card | Travel Rewards | Good | $95 |
Capital One® Spark® Classic for Business | Building Credit | Limited History | $0 |
BBVA Compass Business Secured Credit Card | Rebuilding Credit | Bad | $0 1st yr, $40 after |
HSBC Gold Credit Card | Big-Ticket Purchases | Good | $0 |
U.S. Bank Business Platinum | Balance Transfers | Excellent | $0* |
You may have noticed that our editors’ favorite offers include general-consumer cards for financing purposes. That was intentional. Consumer cards not only offer longer 0% introductory terms, but they also protect against arbitrary interest-rate increases far better than business cards.
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.
Questions & Answers
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 moreshow less
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Featured Credit Cards
Ask the Experts
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?
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Eric R. Kushins
Assistant Professor of Management, Berry College, Campbell School of Business
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Emma Fleck
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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Bettyjo H. Bouchey
Associate Professor of Business and Management and Associate Dean for College Operations and Faculty Development at National Louis University
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Andre O. Laplume
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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Erin Bass
Associate Professor of Strategy in the Department of Management at the University of Nebraska Omaha College of Business Administration
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Emanuel Xavier-Oliveira
Assistant Professor of Economics in the School of Business & Economics at Michigan Technological University
Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.