Business Credit Cards
WalletHub makes it easy to find the best business credit card for you.
That’s why we generally recommend a 0% consumer credit card for your company’s financing needs. It’s also why we included both consumer and business credit card offers below. If you would like a recommendation, just check out WalletHub’s picks for the most popular categories, selected from 1,000+ offers.
THE BEST BUSINESS CREDIT CARDS:
- Fair Credit: Capital One® Spark® Classic for Business
- Rewards: Ink Business Preferred℠ Credit Card
- Bad Credit: Wells Fargo Business Secured Credit Card
- 0% APR: The Blue Business℠ Plus Credit Card from American Express
- Cash Back Rewards: Capital One® Spark® Cash for Business
- American Express: SimplyCash® Plus Business Credit Card from American Express
- Earn $500 bonus cash back after you spend $3,000 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
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
- Earn 1.5 miles per $1 on every purchase
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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
- Earn unlimited 2% cash back for your business on every purchase, everywhere
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One® Spark® Cash for Business
- Earn 1% cash back on every purchase
- Enjoy no annual fee
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
- See More Details & Reviews About TheCapital One® Spark® Classic for Business
Rates & Fees | Terms Apply
- Get rewarded for business as usual. 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 and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Rates & Fees | Terms Apply
- Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
- *Terms Apply
- PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
- EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.*
- See More Details & Reviews About TheAmerican Express® Business Gold Card
Rates & Fees | Terms Apply
- Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
- Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
- With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
- Terms apply
- Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
- No annual fee
- *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
- See More Details & Reviews About TheSimplyCash® Plus Business Credit Card from American Express
- Earn 2 miles per $1 on every purchase, everywhere
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- Free employee cards which also earn unlimited 2x miles from their purchases
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- $0 intro annual fee for the first year; $95 after that
- $0 fraud liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Spark® Miles for Business
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What are the best business credit cards right now?
The best business credit card is the Capital One® Spark® Cash for Business card because it offers $500 initial bonus, gives unlimited 2% cash back on all purchases and waives its $95 annual fee the first year. It also has a $0 foreign transaction fee. You can get approved with good personal credit or better.Still, there are a lot of options. And the best small business credit card for one company is probably going to be very different than the best card for another. It all depends on the company’s spending and payment habits as well as the owner’s personal credit standing.
You won’t get approved for a business credit card that requires excellent credit if your personal credit is just fair, for example. And that’s true even if your business has a stellar payment history. Plus, you probably don’t want hotel or airline rewards, for instance, if you hardly ever travel for business.
With that in mind, WalletHub’s editors compared 1,000+ credit cards based on their minimum credit requirements and major features to find the best offers for the most common business needs. Here are the top small business credit card offers available now.
2019’s Best Business Credit Cards
| Best For… | Card Name | Annual Fee | Credit Required | Editors' Rating |
| Fair Credit | Capital One® Spark® Classic for Business | $0 | Limited History | 3.5 / 5 |
| Rewards | Ink Business Preferred℠ Credit Card | $95 | Good | 5.0 / 5 |
| Bad Credit | Wells Fargo Business Secured Credit Card | $25 | Bad | 4.4 / 5 |
| 0% APR | The Blue Business℠ Plus Credit Card from American Express | $0 | Good | 3.4 / 5 |
| Cash Back Rewards | Capital One® Spark® Cash for Business | $0 for 1st yr, $95 after | Good | 5.0 / 5 |
| American Express | SimplyCash® Plus Business Credit Card from American Express | $0 | Good | 4.8 / 5 |
The key to picking the right business credit card is to know yourself. That includes knowing what types of purchases you’re likely to make, whether you’ll pay your bill in full each month, and what features you need most. You also need to know your personal credit standing. If you don’t, you can check your latest credit score for free on WalletHub.
For more information on the top offers you have to choose from, make sure to check out WalletHub’s complete review of the year’s best business credit cards.
Questions & Answers
Comparing business credit cards 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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What is the best Chase business credit card? Reply
The best Chase business credit card is the Chase Ink Business Preferred card because it offers a bonus worth $1,000 for spending $5,000 in the first 3 months. Ink Business Preferred also gives 3 points per $1 spent on travel and select business purchases, plus 1 point per $1 on everything else. Preferred provides free employee cards, too, and has a $0 foreign transaction fee. The annual fee is $95.
The Chase Ink Business Cash card offers the best ongoing cash back bonuses of any Chase business credit card. It has a $500 bonus for spending $3,000 in the first 3 months. And it gives 5% cash back on the first $25,000 spent per year at office supply stores and on internet/cable/phone services. Plus, it offers 2% back on the first $25,000 spent at gas stations and restaurants, along with 1% on everything else. There’s a $99 annual fee.
When it comes to earning cash rewards at a high, flat rate, Ink Business Unlimited comes out on top. It offers unlimited 1.5% cash back on all purchases. And it has the same bonus that Ink Business Cash does. The annual fee is $99.
2019’s Chase Business Credit Card Offers:
- Chase Ink Business Preferred – Best for travel
- United MileagePlus Explorer Business card – Best for no foreign transaction fee
- Marriott Premier Plus Business card – Best hotel card
- Chase Ink Business Cash – Best for no annual fee
- Chase Ink Business Unlimited – Best for cash back
- Southwest Rapid Rewards Premier Business Card – Best airline card
For customers who are frequent flyers, the United MileagePlus Explorer Business card is the best Chase business credit card. It has a $0 foreign transaction fee. It also offers 50,000 miles for spending $3,000 in the first 3 months. And it gives 10,000 bonus miles each year for spending $25,000 or more. It also offers 2 miles per $1 not just on United purchases but also at restaurants, gas stations and office supply stores. There’s 1 mile per $1 on all other purchases. The card provides 2 one-time United Club passes after account opening and each anniversary. And cardholders always get a free first checked bag and priority boarding on United flights. The card waives its $95 annual fee the first year.
The Marriott Premier Plus Business card is best for hotels. It offers 6 points per $1 at Marriott, Ritz Carlton and Starwood Preferred Guest locations. It also gives 4 points per $1 spent at restaurants, gas stations, shipping and internet/cable/phone service. And it offers 75,000 bonus points for spending $3,000 in the first 3 months. Lastly, it gives a free night each account anniversary. The Marriot card has a $99 annual fee.
All Chase business credit cards offer employee cards at no additional cost.
Which are the best instant approval business credit cards? Reply
Just about all business credit cards allow instant approval, at least if you apply online. But even though an instant decision is likely, it’s not guaranteed. The credit card company may take more time to decide whether an applicant meets their requirements. Or they may have trouble verifying the information on the application right away if there’s something incorrect or outdated.
In order to get the best chances of instant approval for a business credit card, your personal credit score should exceed the minimum requirements of the card you apply for. The higher your income, the better your chances are, too. Secured business credit cards for bad credit will provide the highest odds of instant approval.
Here are the best instant approval business credit cards:
- The Blue Business℠ Plus Credit Card from American Express
- Wells Fargo Business Secured Credit Card
- Capital One® Spark® Classic for Business
- Capital One® Spark® Cash for Business
- Ink Business Unlimited℠ Credit Card
Getting instant approval on business credit cards is not unusual if you apply online. But you shouldn’t expect to receive it, as in some cases approval might take a few weeks. After approval, delivery of a card usually takes 7-10 business days, but many issuers allow you to expedite either for free or for a fee.
What's the best Barclays business credit card? Reply
A Barclays business credit card is best for frequent business travelers. That’s because all three Barclays business cards offered in the U.S. are co-branded with a specific airline. You can choose from American Airlines, Hawaiian Airlines and JetBlue, as of February 2019.
Here are the best Barclays business credit cards:
- American Airlines AAdvantage® Aviator™ Business Credit Card
- Hawaiian Airlines Credit Card
- JetBlue Business Credit Card
If you want maximum travel rewards but don’t want to be tied to a single airline, consider a general-purpose travel rewards card. Some allow you to redeem points or miles for statement credits toward any travel purchase, and you’ll have more choices when booking flights.
Where can I get a small business credit card offer with no hard inquiry of my personal credit? Reply
Unfortunately, there aren't that many credit cards you can get without a hard inquiry. Some store cards allow this, but that's about it. Your credit score also places you in the "Fair" credit tier, which also limits your business credit card options. Still, you can check out our Editors' Top Picks of the best business credit cards here.
You might also be interested in WalletHub's credit building guide, which will help you on your road to excellent credit.
What's the best Citizens Bank business credit card? Reply
The best Citizens Bank business credit card is the Everyday Points Business Mastercard because it has a $0 annual fee and offers 2 points per $1 on all purchases. The Citizens Bank Everyday Points card also has a 20,000-point bonus for spending $5,000 in the first 90 days.
The only other Citizens Bank business credit card is the Business Platinum Mastercard, which has no rewards. However, it also has a $0 annual fee and the potential for a lower APR than the Everyday Points card. Its APR range is 10.24% - 21.24% (V), compared to 13.24% - 23.24% (V) for Everyday Points.
Here’s a comparison of the Citizens Bank business credit cards:
- Best for Rewards: Citizens Bank Everyday Points Business Mastercard.
- Best for a Lower APR: Citizens Bank Business Platinum Mastercard.
- Annual fees: $0 for both Citizens Bank business cards.
- Employee card cost: $0 for both Citizens Bank business cards.
- Credit required: Excellent (750+ credit score) for both Citizens Bank business cards.
- Initial bonus: 20,000 points from the Everyday Points card. None from the Platinum Mastercard.
- Ongoing rewards: 2 points per $1 from the Everyday Points card. None from the Platinum Mastercard.
- Intro APR: 0% for 6 months on purchases with the Everyday Points card. 0% for 6 months on purchases with the Platinum Mastercard.
- Regular APR: 13.24% - 23.24% (V) on the Everyday Points card. 10.24% - 21.24% (V) on the Platinum Mastercard.
While both of the Citizens Bank business credit cards have decent terms, they’re not the best offers on the market. There are lots of really rewarding business credit cards available right now.
For example, the Capital One Spark Cash for Business card offers unlimited 2% cash back on all purchases as well as up to $2,000 in initial bonuses. And the Chase Ink Business Preferred card has a sign-up bonus worth $1,000 in travel and gives up to 3 points per $1 on purchases.
Featured Credit Cards
Ask the Experts
- How important are credit cards to small business owners?
- What are the best ways to use a business credit card?
- Why use a business credit card for business instead of a personal card?
- Does a company need to be incorporated to get a business credit card?
- Why don't more banks and credit unions offer business credit cards?
- All things considered, are business credit cards better than personal credit cards?
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Pauline Assenza
Associate Professor of Management - Small Business Entrepreneurship in the Ancell School of Business at Western Connecticut State University
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Peter Demerjian
William R. Gregory Accounting Faculty Fellow and Assistant Professor of Accounting in the Michael G. Foster School of Business at University of Washington
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Oliver Schlake
Clinical Professor and Distinguished Fellow at the Academy for Innovation and Entrepreneurship (AIE) in the Robert H. Smith School of Business at University of Maryland
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Michael McCall
NAMA Endowed Professor of Hospitality Business in the Eli Broad College of Business at Michigan State University
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Christopher E. Stevens
Associate Professor of Entrepreneurship and MBA Programs Director in the School of Business Administration at Gonzaga University
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John R. Twombly
Undergraduate Program Director and Clinical Professor of Accounting and Finance at IIT Stuart School of Business
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† 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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