Best business credit cards of October 2024
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Reviewed by
Edited by
Reviewed by
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 card for large welcome offer: Ink Business Unlimited® Credit Card
- Best business card for flexible travel redemption: Ink Business Preferred® Credit Card
- Best business card for reward category flexibility: American Express® Business Gold Card
- Best business card for earning rewards on office expenses: Ink Business Cash® Credit Card
- Best business card for no balance transfer fee: Capital One Spark Cash Select
- Best business card for travel perks and credits: Capital One Venture X Business Rewards Credit Card
- Best business card for easy rewards redemption: Capital One Spark Miles for Business
- Best business card for large purchases: Ink Business Premier® Credit Card
- Best for annual cash bonus: Capital One Spark Cash Plus
- Best no-annual-fee business card: The Blue Business® Plus Credit Card from American Express
- Best business card for Bank of America customers: Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
- Best business card for fair credit: Revenued Business Card
- Best for United airline benefits: United℠ Business Card
- Best business card for flat-rate cash back: American Express Blue Business Cash™ Card
- Best business card for luxury travel perks: The Business Platinum Card® from American Express
- Best for Hilton benefits: The Hilton Honors American Express Business Card
- Best for potentially high credit limit: Capital on Tap Business Card
Additional options:
- Best for no foreign transaction fee: Capital One Spark Classic for Business
- Best business card for automatic bonus categories: U.S. Bank Business Leverage® Visa Signature® Card
Best business credit cards of October 2024
Edited by
Reviewed by
Edited by
Reviewed by
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 card for large welcome offer: Ink Business Unlimited® Credit Card
- Best business card for flexible travel redemption: Ink Business Preferred® Credit Card
- Best business card for reward category flexibility: American Express® Business Gold Card
- Best business card for earning rewards on office expenses: Ink Business Cash® Credit Card
- Best business card for no balance transfer fee: Capital One Spark Cash Select
- Best business card for travel perks and credits: Capital One Venture X Business Rewards Credit Card
- Best business card for easy rewards redemption: Capital One Spark Miles for Business
- Best business card for large purchases: Ink Business Premier® Credit Card
- Best for annual cash bonus: Capital One Spark Cash Plus
- Best no-annual-fee business card: The Blue Business® Plus Credit Card from American Express
- Best business card for Bank of America customers: Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
- Best business card for fair credit: Revenued Business Card
- Best for United airline benefits: United℠ Business Card
- Best business card for flat-rate cash back: American Express Blue Business Cash™ Card
- Best business card for luxury travel perks: The Business Platinum Card® from American Express
- Best for Hilton benefits: The Hilton Honors American Express Business Card
- Best for potentially high credit limit: Capital on Tap Business Card
Additional options:
- Best for no foreign transaction fee: Capital One Spark Classic for Business
- Best business card for automatic bonus categories: U.S. Bank Business Leverage® Visa Signature® Card
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Showing 19 results
Limited Time Offer
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
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
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
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.
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.
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
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.
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).
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
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
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.
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.
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
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
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
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
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
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
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
|
|---|---|---|---|
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Unlimited 1.5% cash back on business purchases |
Intro Offer: Earn $900 bonus cash back
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Regular APR: 18.49% - 24.49% Variable
|
4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
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
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Regular APR: 21.24% - 26.24% Variable
|
4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
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
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Regular APR: 18.99% - 27.99% Variable
|
5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
|
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
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Regular APR: 18.49% - 24.49% Variable
|
4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
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
$500 cash back once you spend $4,500 on purchases within the first 3 months from account opening
Regular APR: 17.99% - 23.99% (Variable)
|
4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
|
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
150,000 miles once you spend $30,000 in the first 3 months from account opening
Regular APR: N/A
|
4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
|
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel 2X miles on every purchase |
Intro Offer: 50,000 miles
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
Regular APR: 25.74% (Variable)
|
4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
|
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
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Regular APR: Flex for Business Variable APR: 19.49% - 27.49%
|
3.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
|
|
|
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
$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Regular APR: N/A
|
4.7 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
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