5 Best Business Credit Cards

5 Best Business Credit Cards

After 19 hours of research evaluating 61 products, we picked Ink Business Cash℠ Credit Card as our top choice.

Quick List: 4 Best

The top four picks on our list
#1
Best for Daily Spending with No Annual Fee
Ink Business Cash℠ Credit Card
  • Offers a big sign-up bonus, as of June 26, 2018
  • Add authorized users with spending caps
  • Get a 0% introductory APR on new purchases and balance transfers
#2
Best for Flat-Rate Rewards
Capital One® Spark® Cash for Business
  • No foreign transaction fees
  • Simple, uncomplicated, and flexible reward structure
  • Cash in on the $500 bonus when you spend $4,500 in 3 months
#3
Best for Big Businesses
The Business Platinum® Card from American Express OPEN
  • Enjoy premium travel perks like global airport lounge access, a 35% airline bonus, and concierge services
  • Easily add an authorized user with spending limits for peace of mind
  • No foreign transaction fees for international purchases
#4
Most Flexible Business Credit Card
SimplyCash® Plus Business Credit Card from American Express
  • Pick your own bonus category based on your business spending
  • Enjoy a relatively low interest rate and no annual fee
  • You'll get a long 0% introductory APR promotion
Quick Look: 5 Best Business Credit Cards
Starwood Preferred Guest® Business Credit Card from American Express
Starwood Preferred Guest® Business Credit Card from American Express
  • Starpoints tend to have a higher value (~2.3 cents/point) than most other rewards points
  • Choose how you want to redeem your rewards–redeem for free hotel stays and free flights
  • Access free wifi wherever there's a Boingo hotspot
Check on Americanexpress
SimplyCash® Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express
  • Pick your own bonus category based on your business spending
  • Enjoy a relatively low interest rate and no annual fee
  • You'll get a long 0% introductory APR promotion
Check on Americanexpress
The Business Platinum® Card from American Express OPEN
The Business Platinum® Card from American Express OPEN
  • Enjoy premium travel perks like global airport lounge access, a 35% airline bonus, and concierge services
  • Easily add an authorized user with spending limits for peace of mind
  • No foreign transaction fees for international purchases
Check on Americanexpress
Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
  • No foreign transaction fees
  • Simple, uncomplicated, and flexible reward structure
  • Cash in on the $500 bonus when you spend $4,500 in 3 months
Check on Capitalone
Ink Business Cash℠ Credit Card
Ink Business Cash℠ Credit Card
  • Offers a big sign-up bonus, as of June 26, 2018
  • Add authorized users with spending caps
  • Get a 0% introductory APR on new purchases and balance transfers
Check on Creditcards.chase

Big businesses and new businesses are not so different. In both cases, the importance of keeping business and personal expenses separate is key, and managing expenses and employees shouldn't add stress to your life. 

Choosing one of the best business credit cards may end up being a more important part of your business than you think.

Business credit cards often come with lower interest rates than the standard personal credit card, or other convenient credit sources such as unsecured loans from online business lenders.

So finding the best business credit card for your particular business becomes important.

If you're spending a considerable amount of money on your business each month, it's important to consider the role that building credit can play in helping you grow.

Just like with your personal credit cards, you can use the best business credit cards to build your business credit.

Improving your business credit score means lower interest rates and access to higher credit limits.

Here's the deal:

It's important to understand the difference between personal and business credit cards.

Right off the bat, business credit cards tend to have higher credit limits than personal consumer credit cards. Also, businesses often need to get credit cards for their employees, and the best business credit cards allow you to add authorized users with spending limits.

Additionally, the rewards being offered by the best small business credit card choices to are tailored specifically to their needs, with options that tend to include things like discounts on shipping or travel perks.

But here's the kicker:

Business credit cards are not afforded the same consumer protection laws that personal credit cards receive under the Credit CARD Act of 2009. This could be problematic, as a card issuing bank can change the APR or grace period without any notice if they please.

In the spirit of providing a good customer experience to their business customers, some major credit card issuers have made the choice to voluntarily extend traditional consumer protections to business credit cardholders. 

Now:

You're sufficiently prepared to start shopping for the best business credit card for your business. The following options consider a variety of uses and perks—there's sure to be at least one that's a perfect fit for your business!

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated March 13, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.


Editorial staff

Last updated: March 13, 2018