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Best business credit cards of October 2024

Updated October 06, 2024

Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.

Best business credit cards of October 2024

Updated October 06, 2024

Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.

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Showing 19 results

Limited Time Offer

Best for large welcome offer

Ink Business Unlimited® Credit Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

Earn $900 bonus cash back

Rewards Rate

1.5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

Why you'll like this: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.

Best for flexible travel redemption

Ink Business Preferred® Credit Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

Earn 90,000 bonus points

Rewards Rate

1X - 3X

Annual fee

$95

Regular APR

21.24% - 26.24% Variable

Why you'll like this: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.

Best for reward category flexibility

American Express® Business Gold Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards Rate

1X - 4X

Annual fee

$375

Regular APR

18.99% - 27.99% Variable

Why you'll like this: It has a high-value welcome offer and great airline transfer partners.

Best for earning rewards on office expenses

Ink Business Cash® Credit Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

Earn up to $750 bonus cash back

Rewards Rate

1% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

Why you'll like this: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.

Best for no balance transfer fee

Capital One Spark Cash Select

Bankrate score

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4.1
Bankrate review
Recommended credit score:(740 - 850)
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on Capital One's secure site
See Rates & Fees

Intro offer

$500 cash back

Rewards Rate

1.5% - 5%

Annual fee

$0

Regular APR

17.99% - 23.99% (Variable)

Why you'll like this: Its flat rewards rate makes it a great fit if you want a card that offers flexibility and a low-cost balance transfer.

Best for travel perks and credits

Capital One Venture X Business

Bankrate score

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4.9
Bankrate review
Recommended credit score:(740 - 850)
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on Capital One's secure site
See Rates & Fees

Intro offer

150,000 miles

Rewards Rate

2X miles - 10X miles

Annual fee

$395

Regular APR

N/A

Why you'll like this: This card includes practical, valuable travel perks at a reasonable cost.

Best for easy rewards redemption

Capital One Spark Miles for Business

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on Capital One's secure site
See Rates & Fees

Intro offer

50,000 miles

Rewards Rate

2 Miles - 5 Miles

Annual fee

$0 intro for first year; $95 after that

Regular APR

25.74% (Variable)

Why you'll like this: You can earn rewards on any travel spending — not just bookings with a specific airline or hotel brand.

Best for large purchases

Ink Business Premier® Credit Card

Bankrate score

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3.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

$1,000 Cash Back

Rewards Rate

2% - 5%

Annual fee

$195

Regular APR

Flex for Business Variable APR: 19.49% - 27.49%

Why you'll like this: It’s one of the only business cards that offers a boosted flat rewards rate on large purchases (with no cap).

Best for annual cash bonus

Capital One Spark Cash Plus

Bankrate score

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4.7
Bankrate review
Recommended credit score:(740 - 850)
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on Capital One's secure site
See Rates & Fees

Intro offer

$2,000 cash back

Rewards Rate

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you'll like this: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.

Best for no annual fee

The Blue Business® Plus Credit Card from American Express

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

15,000 Membership Rewards® points

Rewards Rate

1X - 2X

Annual fee

No annual fee

Regular APR

17.99% - 25.99% Variable

Why you'll like this: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.

Best for Bank of America customers

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Bankrate score

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3.8
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock
on Bank of America's secure site

Intro offer

$300

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 27.99% Variable APR on purchases and balance transfers

Why you'll like this: Qualifying Preferred Rewards members can boost their rewards rate by up to 75 percent.

Best for fair/subprime credit

Revenued Business Card

Bankrate score

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2.7
Bankrate review
Recommended credit score:(300 - 670)
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on Revenued's secure site

Intro offer

N/A

Rewards Rate

N/A

Annual fee

None

Regular APR

Factor Based

Why you'll like this: It charges few fees and approval is based on your business revenue, not your credit score.

Best for United Airlines benefits

United℠ Business Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

Earn 75,000 bonus miles

Rewards Rate

1X - 2X

Annual fee

$0 introductory annual fee for the first year, then $99.

Regular APR

21.99% - 28.99% Variable

Why you'll like this: Its diverse mix of everyday bonus categories makes it easy to earn United miles even without spending a ton on flights.

Best for flat-rate cash back

The American Express Blue Business Cash™ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

$250 statement credit

Rewards Rate

1% - 2%

Annual fee

No annual fee

APR

17.99% - 25.99% Variable

Why you'll like this: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.

Best for luxury travel perks

The Business Platinum Card® from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
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4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

Earn 150,000 points

Rewards Rate

1X - 5X

Annual fee

$695

Regular APR

18.99% - 27.99% Variable

Why you'll like this: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.

Best for Hilton benefit

The Hilton Honors American Express Business Card

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

Earn 175,000 Bonus Points

Rewards Rate

3X - 12X

Annual fee

$195

Regular APR

20.49% - 29.49% Variable

Why you'll like this: It offers one of the highest rewards rates you can get on Hilton stays.

Best for potentially high credit limit

Capital on Tap Business Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.5
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital On Tap's secure site

Intro offer

N/A

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 35.99% variable APR

Why you'll like this: It’s a streamlined, straightforward option if you’re looking to unlock purchasing power without sacrificing rewards.

Best for no foreign transaction fee

Capital One Spark Classic for Business

Capital One Spark Classic for Business

Bankrate score

star iconstar iconstar iconstar iconstar icon
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0.0
Bankrate review
Recommended credit score:(580 - 740)

Intro offer

N/A

Rewards Rate

1% - 5%

Annual fee

$0

Regular APR

30.74% (Variable)

Why you'll like this: It’s a great starter card since it can help you build business credit even with a fair personal credit score.

Best business card for automatic bonus categories

U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card

Bankrate score

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0.0
Bankrate review
Recommended credit score:(670 - 850)

Intro offer

$750

Rewards Rate

1% - 5%

Annual fee

$0 introductory annual fee for the first 12 months, after that $95 per year

Regular APR

21.24% - 26.24% (Variable)

Why you'll like this: It automatically earns 2% wherever you spend most, making it easy to maximize rewards on your key business expenses.

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Comparing Bankrate’s top small-business credit cards

Business Credit Card Rewards & Highlights Intro Offer & APR
Bankrate Review Score
Unlimited 1.5% cash back on business purchases
Intro Offer: Earn $900 bonus cash back
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Regular APR: 18.49% - 24.49% Variable

4.2 / 5

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on Chase's secure site
3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services
Intro Offer: Earn 90,000 bonus points
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Regular APR: 21.24% - 26.24% Variable

4.4 / 5

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(Read card review)
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on Chase's secure site

4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Intro Offer: Earn 100,000 points
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Regular APR: 18.99% - 27.99% Variable

5.0 / 5

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(Read card review)
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5% cash back on internet, cable, phone services and office supply stores (up to $25,000 a year in combined purchases)
 
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
 
Intro Offer: Earn up to $750 bonus cash back
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Regular APR: 18.49% - 24.49% Variable

4.3 / 5

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(Read card review)
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on Chase's secure site

5% cash back on on hotels and rental cars booked through Capital One Travel

1.5% cash back on all other eligible purchases

Intro Offer: $500 cash back
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Regular APR: 17.99% - 23.99% (Variable)

4.1 / 5

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10X miles on hotels and rental cars booked through Capital One Travel

5X miles on flights booked through Capital One Travel

2X miles on other purchases

 
Intro Offer: 150,000 miles
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Regular APR: N/A

4.9 / 5

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Unlimited 5X miles on hotels and rental cars booked through Capital One Travel

2X miles on every purchase
Intro Offer: 50,000 miles
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Regular APR: 25.74% (Variable)

4.4 / 5

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5% cash back on travel booked through Chase travel portal

2.5% cash back on purchases over $5,000

2% cash back on all other eligible purchases

Intro Offer: $1,000 Cash Back
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Regular APR: Flex for Business Variable APR: 19.49% - 27.49%

3.4 / 5

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(Read card review)
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Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Unlimited 2% cash back on every purchase

Intro Offer: $2,000 cash back
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Regular APR: N/A

4.7 / 5

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