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22 Best Small Business Credit Cards – Reviews & Comparison

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Small business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans and don’t 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.

Sign up for an account at Simple by 9/30/19 4:59 PM PT and get up to a $300 bonus and 2.02% APY (with qualified activities).

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 come with annual fees and require good or excellent credit to qualify.

Keep in mind that 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 – 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 that you actually own an incorporated business with legitimate cash flow, you won’t qualify.

Also, remember that business credit cards are exempt from some of the protections of the CARD Act, including the requirement that card issuers regularly notify cardholders of changes in terms and conditions. The following small business credit cards offer a favorable mix of advantages and drawbacks for business owners with strong credit.

Best Small Business Credit Cards

1. Chase Ink Business UnlimitedSM Credit Card

$500 Sign-up Bonus; Unlimited 1.5% Cash Back on All Eligible Purchases

Chase Ink Business Unlimited Card

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Chase Ink Business Unlimited is an annual-fee-free business credit card the echoes Chase Freedom Unlimited, a consumer credit card that also earns unlimited 1.5% cash back. Ink Business Unlimited accrues cash back via Ultimate Rewards points, which can be redeemed for cash, gift cards, travel purchase, and general merchandise.

Additional perks include a generous sign-up bonus – worth $500 after you spend $3,000 in purchases within 3 months – and a 12-month, 0% APR promotion on purchases. The latter is a rarity among small business credit cards.

  • Sign-up Bonus: Earn $500 bonus cash after you spend $3,000 in purchases within 3 months after account opening.
  • Key Fees: This card has no annual fee and no employee card fees. The foreign transaction fee is 3%. Cash advances cost the greater of $15 or 5%. Balance transfers cost the greater of $5 or 5%.
  • Introductory APR: 0% APR on purchases for 12 months from account opening.
  • Regular APR: Once the promotional period ends, the regular APR ranges between 15.24% to 21.24% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 26.99% variable. There is no penalty APR.
  • Other Perks: Value-added benefits include complimentary auto rental insurance when you pay for your rental in full with your card, purchase protection on covered items for 120 days up to $10,000 per claim, and a 1-year extended warranty on items with existing eligible warranties of 3 years or less.

See our Chase Ink Business Unlimited Card Review for more information. Learn more about this card and find out how to apply here.

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2. Chase Ink Business CashSM Credit Card

$500 Sign-up Bonus; 5% Cash Back on Communications & at Office Supply Stores; 2% Cash Back at Gas Stations & Restaurants

chase ink business cash credit card

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Chase Ink Business Cash is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR. It holds down the Ink stable with the Chase Ink Business Preferred and Unlimited Cards (see below and above), both of which offer different (but no less rewarding) opportunities for frequent spenders.

When you spend at least $3,000 within 3 months of opening your account, you get $500 bonus cash back. From day one, you earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services), up to $25,000 per year. You earn 2% cash back on gas station and restaurant purchases, up to $25,000 per year. After reaching the $25,000 cap, you earn unlimited 1% cash back on these spending categories. All other purchases earn 1% unlimited cash back as well.

Redeem accumulated cash back for statement credits or direct deposits starting at $20, airfare booked through Chase’s Ultimate Rewards portal (which offers the opportunity to boost your cash back by 20%, turning $500 in cash back into $625 in travel purchases), gift cards, and Amazon purchases. Redemptions start at $20.

  • Sign-up Bonus: Earn $500 bonus cash back when you spend at least $3,000 within 3 months of signing up.
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount. Cash advances cost the greater of $15 or 5%, while balance transfers cost $5 or 5%.
  • Introductory APR: 0% on purchases for 12 months.
  • Regular APR: From your account opening date, the regular balance transfer APR is 15.24% to 21.24% variable, depending on your personal creditworthiness and prevailing interest rates. The regular purchase APR falls within the same range following the conclusion of the introductory period. The cash advance APR is 26.99% variable. There is no penalty APR.
  • Other Perks: Chase’s Purchase Protection plan covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 total per account. The Extended Warranty plan offers complimentary extended warranty protection for an additional 12 months on warranties originally set to expire after three years or less.

See our Chase Ink Business Cash Card Review for more information. Learn more about this card and find out how to apply here.

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3. Chase Ink Business PreferredSM Credit Card

80,000-Point Sign-up Bonus; 3x Points on Travel, Shipping, Telecommunications & Advertising

chase ink business preferred credit card

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The Chase Ink Business Preferred is Chase’s flagship business card. Though it has a $95 annual fee that’s not waived in the first year, you get what you pay for: a generous rewards program that favors travel and everyday business purchases, 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, and (perhaps best of all) a massive sign-up bonus worth up to $1,000 in free travel.

When you spend at least $5,000 within 3 months of opening your account, you get 80,000 bonus Ultimate Rewards points. That’s worth $800 when redeemed for cash, and $1,000 when redeemed for travel (thanks to Chase’s 25% bonus on all travel redemptions). If you travel a lot for business, that’s hard to resist.

This card’s regular rewards program is equally impressive. The 3x tier is unusually generous: cardholders get 3 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.

Redemption options include cash, travel, gift cards, Amazon.com purchases, general merchandise, and much more. And cardholders can increase the value and flexibility of their earned points by transferring them at a 1-to-1 ratio to popular travel loyalty programs such as British Airways Executive Club, Southwest Airlines Rapid Rewards, United MileagePlus, Marriott Rewards, and IHG Rewards Club.

  • Sign-up Bonus: Earn 80,000 Ultimate Rewards points, worth up to $1,000 on travel and $800 in cash, when you spend at least $5,000 within three months of account opening.
  • Key Fees: There’s a $95 annual fee, but no foreign transaction fee.
  • Introductory APR: There’s no introductory APR promotion.
  • Regular APR: From the day you open your account, the regular APR is 17.99% to 22.99% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 26.99% variable. There is no penalty APR.
  • Other Perks: This card comes with a slew of value-added benefits, including a cell phone protection plan (up to $600) when you pay your cell phone bill in full with your card; complimentary loss and damage coverage on rental cars paid in full with this card; purchase protection for up to 120 days; extended warranties on purchased items with existing manufacturers’ warranties; and trip cancellation and interruption insurance worth up to $5,000 per incident.

See our Chase Ink Business Preferred Card Review for more information. Learn more about this card and find out how to apply here.

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4. Capital One® Spark® Cash for Business

Early Spend Bonus Up to $500; 2% Cash Back on All Purchases

Capital One Spark Cash Business Credit Card

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Capital One® Spark® Cash for Business is very similar to Spark Miles for Business, Capital One’s premium business travel card. The rates, fees, and early spend bonus value are identical. The primary difference is a cash-based, not miles-based, rewards system.

When you sign up for this card and spend at least $4,500 in eligible purchases within 3 months, you get $500 bonus cash back. From the outset, all purchases earn unlimited 2% cash back, with no caps or restrictions. You can redeem accumulated cash back in any amount for checks or general statement credits.

  • Early Spend Bonus: Earn $500 bonus cash back when you spend at least $4,500 in eligible purchases within 3 months of account opening.
  • Key Fees: There’s a $95 annual fee, waived for the first year, but no balance transfer or foreign transaction fees. Cash advances cost the greater of $10 or 3%.
  • Introductory APR: There’s no intro APR.
  • Other Perks: Get a customized, itemized quarterly spending report with your statement four times per year.

See our Capital One® Spark® Cash Business Card Review for more information. Learn more about this card and find out how to apply here.

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5. Capital One® Spark® Miles for Business

Up to 50,000-Mile Early Spend Bonus; 2 Miles Per $1 Spent on All Purchases

Capital One Spark Miles Business Credit Card

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Capital One Spark Miles for Business has a $95 annual fee, a solid travel rewards program, and a very attractive early spend bonus.

When you spend at least $4,500 in eligible purchases in the first 3 months, you earn 50,000 bonus miles, good for statement credits of up to $500 on travel purchases.

Moving forward, all purchases earn an unlimited 2 miles per $1 spent, with no spending caps or categories. Accumulated miles can be redeemed for statement credits or direct purchases (through Capital One) on a wide range of travel-related items, including airfare and hotel stays, at a rate of $0.01 per mile.

  • Early Spend Bonus: Earn 50,000 bonus miles, worth up to $500 in travel, when you spend at least $4,500 in eligible purchases within 3 months of account opening.
  • Key Fees: The $95 annual fee is waived for the first year. Cash advances cost the greater of $10 or 3%, and there’s no balance transfer fee or foreign transaction fee.
  • Introductory APR: There’s no intro APR.
  • Other Perks: Capital One’s emergency assistance program reimburses you for trips and reservations that need to be canceled due to illness, accidents, and other uncontrollable events.

See our Capital One Spark Miles for Business Review for more information. Learn more about this card and find out how to apply here.

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6. American Express® Blue Business Cash Card

2% Cash Back on the First $50,000 in Eligible Purchases

American Express Blue Business Cash Card

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American Express Blue Business Cash is a popular American Express credit card with a generous 0% APR introductory promotion (12 months), solid cash rewards program, and relatively low fees.

All eligible purchases made with this card earn 2% cash back, up to $50,000 per year. Purchases over the $50,000 annual spending cap earn unlimited 1% cash back. Cash back automatically comes as a statement credit on the second statement after it’s earned. Terms and conditions apply – see rates and fees.

  • Welcome Offer: None
  • Key Fees: There’s no annual fee, but foreign transactions cost 2.7%, and late and returned payments cost up to $39.
  • Introductory APR: 0% APR for 12 months from account opening on purchases and balance transfers requested within 60 days of account opening. For rates and fees of the American Express® Blue Business Cash Card, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, variable regular APR applies: 14.99% to 20.99% variable, depending on your personal creditworthiness and prevailing interest rates.
  • Other Perks: The Purchase Protection plan reimburses you for purchased items that are lost, stolen, or damaged within 90 days of purchase. This card also comes with extended warranties on purchased items with existing manufacturers’ warranties and access to exclusive offers from American Express®.
  • Terms and Conditions Apply: See rates and fees

See our American Express® Blue Business Cash Card Review for more information. Learn more about this card and find out how to apply here.

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7. The Business Platinum® Card from American Express

For a Limited Time, Enjoy a 100,000-Point Welcome Offer When You Spend $25,000 on Qualifying Purchases in the First 3 Months; 5x Points on Airfare & Hotels Booked Through Amex Travel

american express business platinum credit card

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American Express Business Platinum is a popular business charge card. As a charge card, it requires full balance payment by the statement due date, but doesn’t have regular interest charges.

The Business Platinum Card comes with a generous welcome offer and lavish perks that compensate for a hefty annual fee of $595. (For rates and fees of the Business Platinum® Card from American Express, please visit this rates and fees page.)

This card’s top perks include:

  • A $200 statement credit for purchases made with an airline of your choice
  • Complimentary access to more than 1,100 airport lounges worldwide through the American Express Global Lounge Collection
  • Free WiFi at more than 1 million Boingo hotspots worldwide
  • Reimbursement for TSA Precheck application fees (up to $100)
  • A 35% bonus when using Membership Rewards® points to book travel with your selected qualifying airline, up to 500,000 bonus Membership Rewards® points each calendar year
  • One year of complimentary Premium Global access at WeWork locations worldwide.

The Business Platinum Card from American Express has a points-based rewards system. There’s a welcome offer of up to 100,000 Membership Rewards points when you spend at least $25,000 on qualifying purchases in the first 3 months. Airfare and prepaid hotel purchases booked through American Express Travel earn unlimited 5 points per $1 spent. Purchases greater than $5,000 earn 1.5 points per $1 spent, up to a total of 1 million bonus Membership Rewards® each year. All other purchases earn an unlimited 1 point per $1.

Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more. Redemption minimums start at 1,000 points. Point values vary by redemption method, but rarely exceed $0.01 – for instance, statement credits value points at $0.006 apiece, while gift cards value points at $0.01 apiece. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: For a limited time, earn up to 100,000 Membership Rewards points. You’ll earn 50,000 points after spending at least $10,000 in qualifying purchases within 3 months of opening your account. Then an additional 50,000 points after spending another $15,000 in qualifying purchases within the same 3-month period.
  • Key Fees: There’s a $595 annual fee, but no foreign transaction fee. Late payments cost up to $39 or 2.99% of the outstanding balance, and returned payments cost up to $39. For rates and fees of the the Business Platinum® Card from American Express, please visit this rates and fees page.
  • Introductory APR: Charge cards such as the Business Platinum Card don’t charge interest at all, so there’s no intro APR to worry about here.
  • Other Perks: Notable benefits for small business owners include up to $200 in annual purchase credits (statement credits) for U.S. purchases with Dell (terms apply) and one year complimentary Platinum Global Access from WeWork, which entitles the cardholder to complimentary access at hundreds of WeWork coworking spaces in dozens of cities around the world. The Business Platinum Card has a host of lesser perks, including insurance coverage up to $2,000 for checked baggage ($3,000 cumulatively for checked and carry-on baggage) and 24/7 travel concierge service.

See our American Express Business Platinum Card Review for more information. Learn more about this card and find out how to apply here.

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


8. American Express® Business Gold Card

4x Points in Your 2 Top-Spending Categories Each Year; 25% Point Bonus on Airline Purchases Paid With Redeemed Points

American Express Business Gold Card

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American Express Business Gold is another American Express card with a rather high annual fee, a solid rewards program, a nice welcome offer, and attractive membership perks.

For starters, you’ll earn 4 points per $1 on the first $150,000 in annual purchases in the 2 categories where your business spent the most that year. Categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. shipping purchases

All other purchases, including purchases made in your 2 favored categories above the $150,000 annual spending cap, earn 1 point per $1 spent. Keep in mind that the categories account for U.S. purchases only, with the exception of airlines.

You can redeem your points for gift cards, travel purchases, online merchandise, and more through American Express’s Membership Rewards portal. Redemptions start at 1,000 points, and points are worth between $0.005 and $0.01 when redeemed.

There’s no preset spending limit on this card, though failure to pay your balance can lead to restrictions. Amex’s Pay Over Time option lets you carry a balance with interest on purchases of $100 or more.

  • Welcome Offer: For a limited time, earn up to $500 in the form of statement credits by making qualifying purchases of FedEx services with your American Express Business Gold Card within the first 3 months of membership. Offer expires 11/06/2019.
  • Key Fees: There’s a $295 annual fee and no foreign transaction fees. Late payments cost $39 or 2.99% of the late balance, and returned payments cost up to $39.
  • Introductory APR: There is no introductory APR. For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.
  • APR: The regular variable APR ranges from 15.99% to 23.99%, depending on your creditworthiness and other factors.
  • Other Perks:  When you use points to book certain airline travel through Amex Travel, you’ll get 25% points back as a bonus. Meanwhile, the card’s baggage protection program covers carry-on bags (up to $1,250) and checked bags (up to $500) from damage and theft.

See our American Express® Business Gold Card Review for more information. Learn more about this card and find out how to apply here.

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


9. The Blue Business® Plus Credit Card from American Express

2X Points on up to $50,000 in Purchases per Year

american express blue business plus credit card

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Blue Business Plus is a popular American Express business card with a nice rewards program and a long 0% APR introductory promotion.

This card rewards you for conducting business as usual. You earn 2X points on everyday business purchases such as office supplies or client dinners. The 2X rate applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Redeem accumulated points for gift cards, online merchandise purchases, travel purchases, and more through American Express’s Membership Rewards® portal. Points are typically worth $0.005 to $0.01 when redeemed, and redemption minimums start at 5,000 points. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: None.
  • Key Fees: There’s no annual fee. Foreign transactions cost 2.7% and balance transfers cost $5 or 3%. Late and returned payments cost up to $39.
  • Introductory APR: 0% APR on purchases and balance transfers for 12 months from account opening. Then variable regular APR applies, based on your creditworthiness and other factors. For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, the variable regular APR for purchases and balance transfers currently rises to 14.99% to 20.99% variable, depending on prevailing interest rates and your personal creditworthiness.
  • Other Perks: Get a complimentary 12-month extended warranty on items covered by manufacturers’ warranties of five years or less.
  • Terms and Conditions Apply: See rates and fees

See our American Express Blue Business® Plus Card Review for more information. Learn more about this card and find out how to apply here.

Apply Now

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


10. Capital One® Spark® Cash Select for Business

$200 Early Spend Bonus; 1.5% Cash Back on All Purchases

Capital One Spark Cash Business Credit Card

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Capital One Spark Cash Select for Business is very similar to Capital One Spark Miles Select. Rates and fees are basically identical, with the main difference being a cash-based (not miles-based) rewards program.

When you sign up and spend at least $3,000 within the first 3 months of membership, you get $200 bonus cash. From day one, all purchases earn an unlimited 1.5% cash back, with no caps or restrictions. You can redeem accumulated cash back for general statement credits or mailed checks in any amount.

  • Early Spend Bonus: Earn $200 bonus cash when you spend at least $3,000 within three months of account opening.
  • Key Fees: There’s no annual fee, balance transfer fee, or foreign transaction fee. Late payments cost up to $39, while cash advances cost the greater of $10 or 3%.
  • Introductory APR: There is a 0% purchase APR for the first 9 months.
  • Other Perks: This card also comes with Capital One’s customized, itemized quarterly spending reports.

See our Capital One Spark Cash Select Business Card Review for more information. Learn more about this card and find out how to apply here.

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11. Capital One® Spark® Miles Select for Business

20,000-Mile Early Spend Bonus; 1.5x Miles per $1 Spent

Capital One Spark Miles Business Credit Card

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Capital One Spark Miles Select for Business is a no-frills business credit card with a solid rewards program, nice early spend bonus, and minimal fees.

When you sign up and spend at least $3,000 within 3 months, you get 20,000 bonus miles. All purchases earn an unlimited 1.5 miles per $1 spent, with no caps or restrictions. You can redeem miles for travel-related purchases, such as airfare, hotel stays, and car rentals, either purchased directly through Capital One or via statement credit. Miles are always worth $0.01 apiece upon redemption.

  • Early Spend Bonus: Earn 20,000 bonus miles, worth $200 in travel reimbursements, when you spend at least $3,000 within three months of account opening.
  • Key Fees: There’s no annual fee, foreign transaction fee, or balance transfer fee. Cash advances cost the greater of $10 or 3%. Late payments cost up to $39.
  • Introductory APR: 0% purchase APR for 9 months.
  • Other Perks: You get a customized and itemized spending report, including spending categories and analytics, every quarter.

See our Capital One Spark Miles Select Business Card Review for more information. Learn more about this card and find out how to apply here.

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12. U.S. Bank Business Platinum Card

Us Bank Business Platinum Card

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The U.S. Bank Business Platinum Card doesn’t offer generous rewards or luxe cardholder perks.

What it does have is a strong – and rare, for a business credit card – 0% APR promotion for purchases and balance transfers. If you’re looking for a no-annual-fee card to help pay down existing high-interest credit card balances or finance large purchases that your company’s cash flow can’t accommodate, you could do worse than U.S. Bank Business Platinum.

  • Sign-up Bonus: None
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount.
  • Introductory APR: 0% APR for 12 months from account opening on purchases and balance transfers, then variable regular APR applies.
  • Regular APR: Following the end of the introductory period, variable regular APR applies: 12.24% to 20.24%, depending on your personal creditworthiness and prevailing interest rates.
  • Other Perks: This card has an extensive suite of spending controls that let you manage your employees’ spending, along with customized payment due dates and mobile wallet functionality for maximum flexibility.

See our U.S. Bank Business Platinum Card Review for more information. Learn more about this card and find out how to apply here.

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13. Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

25,000 Point Sign-up Bonus; 3 Points Per $1 Spent on Eligible Travel Purchases

Bank Of America Business Advantage Travel Rewards World Mastercard Credit Card

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Bank of America Business Advantage Travel Rewards is a no-annual-fee business travel card with a solid sign-up bonus and a generous rewards program that favors travel spending.

When you make eligible travel purchases with this card through the Bank of America® Travel Center – powered by Expedia®, you’ll earn unlimited 3 points per $1 spent. All other eligible purchases earn unlimited 1.5 points per $1 spent. There’s no limit to your point earnings, no blackout dates when you redeem, and no point expiration, even if your account goes dormant.

When you enroll in the Preferred Rewards for Business program as a Platinum Honors member, you’ll earn even more points on everyday spending – 75% more, to be precise. That’s 2.62 points per $1 spent on every purchase, every day, and 4.12 points per $1 spent at the Bank of America Travel Center. The best way to redeem points is for statement credits to cover the cost of flights, hotels, vacation packages, and other travel purchases. You can also redeem for cash back and gift cards.

  • Sign-up Bonus: Earn 25,000 bonus points when you spend at least $1,000 in eligible purchases during the first 60 days of card membership. That’s redeemable for a $250 statement credit toward eligible travel purchases.
  • Key Fees: The card has no annual fee or foreign transaction fees. Most cash advances cost the greater of $10 or 4%, but overdraft cash advances cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).
  • Introductory APR: Enjoy 0% APR on purchases for the first 9 billing cycles.
  • Regular APR: The regular purchase and balance transfer APR is 13.24% to 23.24%. The balance transfer APR applies from day one.
  • Other Perks: Enjoy complimentary travel coverages, cash flow management tools, and overdraft protection transfers from your cash advance account.

See our Bank of America Business Advantage Travel Rewards Card Review for more information. Learn more about this card and find out how to apply here.

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14. Bank of America® Business Advantage Cash Rewards Mastercard® Credit Card

$300 Statement Credit With $3,000 in Eligible Spending in the First 90 Days; Up to 3% Cash Back on Select Purchases

Bank Of America Business Advantage Cash Rewards Credit Card

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Bank of America Business Advantage Cash Rewards is another no-annual-fee business rewards credit card from Bank of America®. This one earns up to 3% cash back on select purchases and boasts an easy-to-attain sign-up bonus.

This card has a three-tiered cash back rewards program. Eligible purchases in one of your choice of six spending categories earn 3% cash back, while eligible dining purchases earn 2% cash back, up to $50,000 in annual combined category spending. All other eligible purchases earn unlimited 1% cash back, including 3% and 2% category purchases above the $50,000 spending cap.

Plus, if you’re enrolled in the Preferred Rewards for Business program as a Platinum Honors member, you’ll earn 75% more cash back.

  • Sign-up Bonus: Earn a $300 statement credit bonus when you spend at least $3,000 in net eligible purchases in the first 90 days after opening your account.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3% of the total transaction amount. Cash advances cost the greater of $10 or 4%, except overdraft cash advances, which cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).
  • Introductory APR: Enjoy 0% APR on purchases for the first 9 billing cycles.
  • Regular APR: The regular purchase and balance transfer APR is 14.24% to 24.24%. The balance transfer APR applies from day one.
  • Other Perks: Enjoy cash flow management tools, complimentary travel coverages, and overdraft protection transfers from your cash advance account.

See our Bank of America Business Advantage Cash Rewards Card Review for more information. Learn more about this card and find out how to apply here.

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15. Marriott Bonvoy Business™ American Express® Card

75,000 Point Welcome Offer; 6 Marriott Bonvoy Points per $1 Spent at Participating Marriott Bonvoy Hotels

American Express Marriott Bonvoy Business Card

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The Marriott Bonvoy Business is the business version of the Marriott Bonvoy Brilliant American Express Card. The two cards have similar fees, terms, rewards programs, and fringe benefits.

Eligible purchases at participating Marriott Bonvoy hotels earn 6 points per $1 spent. Eligible purchases made at U.S. restaurants, 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.

You can redeem accumulated Bonvoy points for free nights at participating Marriott Bonvoy hotels. All cardholders in good standing enjoy complimentary Marriott Bonvoy Silver 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. Plus, when you make $35,000 or more in eligible purchases on your card in a calendar year, you’re upgraded to Gold Elite Status. 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.

All told, Bonvoy Business is a great card for business owners who regularly travel. Terms and conditions apply – see rates and fees.

  • Welcome Offer: Earn 75,000 bonus points when you spend at least $3,000 in eligible purchases during the first 3 months of card membership.
  • Key Fees: The card’s annual fee is $125. There are no foreign transaction fees. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.
  • Introductory APR: None. Variable APR applies from day one.
  • Regular APR: The variable regular APR ranges from 17.49% to 26.49%, depending on creditworthiness and other factors. For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.
  • Other Perks: Enjoy free in-room premium WiFi, complimentary Silver Elite Status, upgrade to Gold Elite Status with $35,000 in eligible purchases on your card in a calendar year, 1 free award night each year after your cardmember anniversary, and an additional free award night after you spend at least $60,000 in purchases in a calendar year (redemption level at or below 35,000 points for both award nights).

See our Marriott Bonvoy Business™ American Express® Card Review for more information. Learn more about this card and find out how to apply here.

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


16. Delta Reserve for Business Credit Card

Up to 30,000 Bonus MQMs Yearly and Generous Delta Perks

american express delta reserve business credit card

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Delta Reserve for Business is a super-premium business travel card designed for frequent Delta flyers who like to travel in style.

This card comes in this far down our list primarily because of its hefty annual fee ($450) and its limited appeal outside the frequent Delta flyer club. (For rates and fees of the American Express Delta Reserve for Business Credit Card, please visit this rates and fees page.) But if your business travel habits, lifestyle, and budget allow, it’s hard to see why you wouldn’t want to have this card in your wallet.

Big spenders make out especially well with Delta Reserve for Business. Spend $30,000 in eligible purchases in a calendar year and you’ll get 15,000 bonus SkyMiles and 15,000 bonus Medallion Qualification Miles (MQMs). And, when you spend at least $25,000 in eligible purchases in a calendar year, you’ll qualify for the Medallion Qualification Dollar (MQD) waiver, making it even easier to ascend the Medallion status ranks and earn coveted Delta perks.

Like American Express’s other Delta business cards, Delta Reserve for Business earns unlimited 2 SkyMiles per $1 spent on eligible Delta purchases and unlimited 1 SkyMile per $1 spent on all other eligible Delta purchases. But, given the Medallion status benefits and other generous perks, such as complimentary Delta Sky Club access for the cardholder and discounted access ($29 per head) for up to two ticketed guests, the regular rewards rate is almost beside the point.

Medallion status is pretty complicated. If you’re new to the ranks of Delta frequent flyers, check out this primer on the Delta Medallion program.

  • Welcome Offer: See this card’s terms and conditions for the latest welcome offer details.
  • Key Fees: The annual fee is $450. There is no foreign transaction fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the American Express Delta Reserve for Business Credit Card, please visit this rates and fees page.
  • Regular APR: The regular APR ranges from 17.49% to 26.49% variable, depending on prevailing rates and your personal creditworthiness.
  • Other Perks: Enjoy complimentary Delta Sky Club membership as long as your account remains open and in good standing (free access for the cardholder and discounted access for guests); one complimentary companion certificate (including on some first-class fares) each year; main cabin priority boarding; discounted Sky Club access for up to two traveling companions; 20% off in-flight Delta purchases; and a slew of other perks and benefits.
  • Terms and limitations apply: see rates & fees.

See our Delta Reserve for Business Card Review for more information. Learn more about this card and find out how to apply here.

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

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17. Platinum Delta SkyMiles® Business Credit Card from American Express 

Welcome Offer Worth 35,000 SkyMiles, 5,000 MQMs, and $100 Statement Credit; 2 SkyMiles Per $1 Spent on Delta Airfare

american express platinum delta skymiles business card

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The Platinum Delta SkyMiles Business Card is the grown-up cousin of the Gold Delta SkyMiles Business Card. If you’re a seasoned Delta business traveler who likes to fly in comfort, this is the card for you. Its consumer counterpart is the American Platinum Delta SkyMiles.

This card’s rewards program is similar to Gold Delta SkyMiles Business’s, reviewed below. Eligible Delta purchases earn unlimited 2 SkyMiles per $1 spent, while all other eligible purchases earn unlimited 1 SkyMile per $1 spent. When you spend at least $25,000 in a calendar year, you get 10,000 bonus SkyMiles and 10,000 bonus Medallion Qualification Miles (MQMs), which count toward Delta’s coveted Medallion status program. You need at least 25,000 MQMs to ascend to Silver Medallion status, Delta’s lowest status tier.

You can redeem your SkyMiles for Delta airfare purchases, starting at 10,000 miles per short-haul domestic one-way or 5,000 miles when you use the Pay With Miles feature, at a typical rate of $0.01 to $0.02 per mile (always $0.01 per mile with Pay With Miles). Terms and conditions apply – see rates and fees – and redemption terms are subject to change at Delta’s sole discretion.

  • Welcome Offer: Earn 35,000 bonus SkyMiles and 5,000 bonus Medallion Qualification Miles (MQMs) after you spend at least $1,000 in purchases with your new card in the first 3 months of card membership. Plus, get a $100 statement credit when you make a Delta purchase with your new card in the first 3 months.
  • Key Fees: There is a $195 annual fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the Platinum Delta SkyMiles® Business Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: The regular purchase APR ranges from 17.49% to 26.49% variable, depending on your creditworthiness and other factors.
  • Other Perks: This card comes with some nice perks, including Main Cabin 1 priority boarding on Delta flights.

See our American Express Platinum Delta SkyMiles Business Card Review for more information. Learn more about this card and find out how to apply here.

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


18. Gold Delta SkyMiles® Business Credit Card from American Express

Welcome Offer Worth 30,000 SkyMiles and $50 Statement Credit; 2 SkyMiles Per $1 Spent on Delta Airfare

american express gold delta skymiles business card

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If you regularly fly with Delta for business, you need to take a closer look at the Gold Delta SkyMiles Business Card. If your Delta travel is typically reserved for personal escapes, check out the consumer version of this card: Gold Delta SkyMiles from American Express.

All eligible Delta airfare purchases, and select other eligible Delta purchases, earn 2 SkyMiles per $1 spent when you pay with this card. There’s no limit to how many SkyMiles you can earn. All other eligible purchases earn unlimited 1 SkyMile per $1 spent.

You can redeem your SkyMiles for Delta airfare purchases. Check Delta’s award chart for updated redemption requirements. Miles are typically worth $0.01 to $0.02 apiece at redemption, depending on the route and underlying dollar cost of the award fare. If you don’t have enough miles to redeem in full for an award flight, Delta’s Pay With Miles feature lets you combine miles and cash for discounted airfare at a flat rate of $0.01 per mile. You need at least 5,000 SkyMiles to use Pay With Miles. Terms and conditions apply – see rates and fees.

  • Welcome Offer: Earn 30,000 bonus Delta SkyMiles after spending $1,000 in purchases with your new card in the first 3 months. In addition, get a $50 statement credit when you make a Delta purchase on your card in the first 3 months.
  • Key Fees: The $95 annual fee is waived during the first year. There’s no foreign transaction fee. Late and returned payment fees range up to $39. Cash advances cost the greater of $5 or 3%. For rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: The regular APR ranges from 17.49% to 26.49% variable, depending on prevailing rates and your personal creditworthiness.
  • Other Perks: Delta perks include priority boarding, one free checked bag for the cardholder, and two discounted Delta Sky Lounge passes ($29 each) per year.

See our American Express Gold Delta SkyMiles Business Card Review for more information. Learn more about this card and find out how to apply here.

Apply Now

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


19. Hilton Honors American Express Business Card

125,000 Bonus Points & Automatic Complimentary Gold Status

hilton honors american express business card

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The Hilton Honors American Express Business Card is a fantastic choice for Hilton loyalists who regularly stay at the hospitality family’s hotels and resorts while traveling on business.

The rewards program is reason enough to apply:

  • All eligible purchases made directly with hotels and resorts in the Hilton portfolio earn 12 Hilton Honors points per $1 spent, a truly impressive earning rate (though Hilton’s points aren’t as valuable as some other hospitality loyalty programs’).
  • Select business purchases earn 6 Honors points per $1 spent. Categories include purchases at gas stations, wireless communications purchases made directly with providers, and U.S. purchases of shipping.
  • Select partner travel purchases, including flights booked directly with airlines or Amex Travel and car rental purchases made directly with car rental companies, also earn 6 points per $1 spent.
  • U.S. restaurant purchases earn 6 points per $1 spent as well.
  • All other eligible purchases earn unlimited 3 points per $1 spent.

All cardholders in good standing enjoy complimentary Hilton Honors Gold status, whose benefits include an 80% bonus on all base point earnings and complimentary room upgrades where available. When you spend $40,000 on eligible purchases with your card in a calendar year, you’ll earn Hilton Honors Diamond status through the end of the following calendar year.

  • Welcome Offer: Earn 125,000 Hilton Honors bonus points after you use your new card to make at least $3,000 in eligible purchases within the first 3 months of card membership.
  • Key Fees: The annual fee is $95. There is no foreign transaction fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39.
  • Introductory APR: None.
  • Regular APR: The variable regular APR for purchases ranges from 17.49% to 26.49% APR, depending on prevailing interest rates and your personal creditworthiness. For rates and fees of the Hilton Honors American Express Business Card, please visit this rates and fees page.
  • Other Perks: Earn complimentary Hilton Honors Gold status as long as your account remains open and in good standing and upgrade to Diamond status after $40,000 in eligible purchases in a calendar year. Enjoy one free weekend night reward after you spend $15,000 on your card in a calendar year and another weekend night reward when you spend an additional $45,000 on your card in the same calendar year ($60,000 total annual spend). Get 10 complimentary airport lounge visits at participating lounges with Priority Pass Select.

See our Hilton Honors American Express Business Card Review for more information. Find out how to apply for this card here.

Apply Now

For rates and fees of the Hilton Honors American Express Business Card, please visit this rates and fees page.


20. Business Green Rewards Card from American Express

Solid Limited-Time Welcome Offer; 2x Points on Travel After Intro Period

american express business green rewards card

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Business Green Rewards is an approachable American Express business rewards charge card with a lower annual fee, less generous rewards, and fewer perks than its fellow Amex business cards. (For rates and fees of the Business Green Rewards Card from American Express, please visit this rates and fees page.)

Still, this card has a decent rewards program. Travel purchases booked through American Express Travel earn an unlimited 2 points per $1 spent. All other purchases earn an unlimited 1 point per $1 spent.

Points can be redeemed for gift cards, travel purchases, online merchandise, and other items, starting at a redemption minimum of 1,000. Point values typically range from $0.005 to $0.01 at redemption, depending on what they’re being redeemed for – gift cards are worth up to $0.01 per point, while entertainment purchases are generally worth $0.005. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: For a limited time, earn 3x points on combined eligible purchases at U.S. restaurants, airfare purchased directly from airlines, and hotel stays booked directly with hotels during the first 3 months of card membership. This higher earning rate is capped at $50,000 in combined category purchases. Offer ends 11/6/2019.
  • Key Fees: There’s a $95 annual fee. Foreign transactions cost 2.7% of the total transaction amount. Late payments cost $39 or 2.99%, and returned payments cost up to $39. For rates and fees of the Business Green Rewards Card from American Express, please visit this rates and fees page.
  • Introductory APR: Like all charge cards, this card has no intro or regular APR.
  • APR: Though you don’t have to worry about regular interest charges with this card, you’re expected to pay your balance in full each month. Failure to do so within two billing cycles could result in account closure and other undesirable consequences, such as a default judgment.
  • Other Perks: There’s no preset spending limit, though your account may be restricted if you fail to pay your balance in full on time. Also, when you charge the full fare on your card, complimentary travel insurance covers accidental death and dismemberment (up to $100,000) on common conveyances (such as planes, trains, boats, and cars).

See our American Express Business Green Rewards Card Review for more information. Learn more about this card and find out how to apply here.

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


21. The Plum Card® from American Express

60-Day Interest-Free Payment Period; 1.5% Discount for Early Payment

American Express Business Plum Card

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The American Express Plum Card is a business charge card with flexible payment terms (by charge card standards) and a bevy of other useful perks. However, its annual fee is on the high side, and it lacks a rewards program. (For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.)

As a Plum Card member, you get an unlimited 1.5% discount when you pay your card balance in full within 10 days of your statement closing date, payable as a statement credit on the following billing statement. For instance, if you pay a $1,000 balance within 10 days of statement closing, your next statement includes a $15 credit.

As long as you make at least the minimum payment (typically 10% of new payment activity, plus any carried balance) by your statement due date, you can wait until the following statement’s due date to pay the remainder of your balance without incurring penalty fees. Most charge cards require you to pay in full at each statement due date. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: There’s no welcome offer.
  • Key Fees: There’s a $250 annual fee, waived in the first year, and no foreign transaction fee. Late payments cost $39 or 2.99% of the late amount. Returned payments cost up to $39. For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.
  • Introductory APR: This charge card has no regular or intro APR.
  • APR: Though this card doesn’t accrue interest charges, failure to pay in timely fashion can result in account closure.
  • Other Perks: There’s no preset spending limit, though American Express may impose spending limits in response to changes in your payment history or credit. Also, it includes complimentary baggage insurance (for theft and damage, up to $1,250 for carry-on luggage and $500 for checked bags) and accidental death and dismemberment insurance for travel-related incidents.

See our American Express Plum Card Review for more information. Learn more about this card and find out how to apply here.

Apply Now

For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.


22. Capital One® Spark® Classic for Business

Unlimited 1% Cash Back on All Purchases; Looser Credit Requirements

Capital One Spark Classic Business Credit Card

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Spark Classic doesn’t have overly generous rewards or a early spend bonus. It also suffers from a higher-than-average APR relative to other business credit cards. However, it’s one of the few cards on this list that doesn’t require good or excellent credit – according to Capital One, it’s geared toward business owners with average credit, and boasts some credit-tracking and -building tools to keep cardholders moving in the right direction.

From day one, all purchases with this card earn an unlimited 1% cash back. You can redeem accumulated cash back for general statement credits or checks.

  • Early Spend Bonus: There’s presently no early spend bonus.
  • Key Fees: There’s no annual fee, foreign transaction, or balance transfer fees. Cash advances cost the greater of $10 or 3%, and late payments cost up to $39.
  • Introductory APR: There’s no intro APR.
  • Other Perks: The card comes with customized, itemized spending reports. Also, Capital One scrupulously reports payment history to credit reporting bureaus – a nice positive for responsible spending business owners looking to build credit.

See our Capital One Spark Classic Business Card Review for more information. Learn more about this card and find out how to apply here.

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Final Word

The sharing economy is changing what it means to be in business for yourself. Being an entrepreneur today can be as simple as driving for a ridesharing app in your spare time, renting out an extra bedroom for short stays on Airbnb, or putting up a personal website touting your freelance skills. You don’t need thousands of dollars in startup capital, a dedicated office, or employees working under you.

If you’re a lean, modern “solopreneur,” you might not realize that you’re eligible to apply for business credit cards – but you probably are. And even if you aren’t in business for yourself at the moment, starting your own small business is likely to be simpler than you think. When the time comes to set out on your own, make sure you have a trusty spending ally in your wallet.

What’s your favorite credit card for business spending?


  • For rates and fees of the Business Platinum® Card from American Express, please visit this rates and fees page.
  • For rates and fees of the American Express® Business Gold 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.
  • For rates and fees of the American Express Delta Reserve for Business Credit Card, please visit this rates and fees page.
  • For rates and fees of the Platinum Delta SkyMiles® Business Credit Card from American Express, please visit this rates and fees page.
  • For rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please visit this rates and fees page.
  • For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.
  • For rates and fees of the Business Green Rewards Card from American Express, please visit this rates and fees page.
  • For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
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.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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