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Best business credit cards of July 2024

Updated July 11, 2024

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Business credit cards are a popular option for entrepreneurs who need short-term financing to help start or grow their businesses.

The best business credit cards provide a revolving line of credit you can use for any business-related need. Use them for working capital, inventory or to cover your business travel costs. These cards also come with additional features, such as generous rewards programs, expense tracking and money-saving perks.

Our experts have reviewed hundreds of options and compared their features to determine the best business credit cards for July 2024.

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Limited Time Offer

Best for flexible travel redemption

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

Earn 120,000 bonus points

$2,400 value
Info

Rewards Rate

Info

1X - 3X

Annual fee

$95

Regular APR

21.24% - 26.24% Variable

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

Best for earning rewards on office expenses

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

Earn up to $750 bonus cash back

$750 value
Info

Rewards Rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

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

Best for no balance transfer fee

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$750

$750 value
Info

Rewards Rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% (Variable)

Why you’ll like this card: 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 large welcome offer

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

Earn $750 bonus cash back

$750 value
Info

Rewards Rate

Info

1.5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

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

Best for no annual fee

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

15,000 Membership Rewards® points

$300 value
Info

Rewards Rate

Info

1X - 2X

Annual fee

No annual fee

Regular APR

18.49% - 26.49% Variable

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

Best for reward category flexibility

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 70,000 points

$1,400 value
Info

Rewards Rate

Info

1X - 4X

Annual fee

$375

Regular APR

19.49% - 28.49% Variable

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

Best for large purchases

Bankrate score

Rating: 3.4 stars out of 5
3.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

$1,000 Cash Back

$1000 value
Info

Rewards Rate

Info

2% - 5%

Annual fee

$195

Regular APR

Flex for Business Variable APR: 19.49% - 27.49%

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

Best for flat-rate cash back

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

$250 statement credit

$250 value
Info

Rewards Rate

Info

1% - 2%

Annual fee

No annual fee

APR

18.49% - 26.49% Variable

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

Best for luxury travel perks

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 150,000 points

$3,000 value
Info

Rewards Rate

Info

1X - 5X

Annual fee

$695

Regular APR

19.49% - 28.49% Variable

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

Best for fair/subprime credit

Bankrate score

Rating: 2.7 stars out of 5
2.7
Info
Recommended credit score: 300 - 670
Info
Apply now Lock
on Revenued's secure site

Intro offer

Info

N/A

Rewards Rate

Info

N/A

Annual fee

None

Regular APR

Factor Based

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

Best for annual cash bonus

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$1,200 cash back

$1200 value
Info

Rewards Rate

Info

2% - 5%

Annual fee

$150

Regular APR

N/A

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

Best for travel perks and credits

Bankrate score

Rating: 4.9 stars out of 5
4.9
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

150,000 miles

$2,550 value
Info

Rewards Rate

Info

2X miles - 10X miles

Annual fee

$395

Regular APR

N/A

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

Best for Hilton benefit

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 130,000 Bonus Points

$780 value
Info

Rewards Rate

Info

3X - 12X

Annual fee

$195

Regular APR

20.99% - 29.99% Variable

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