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Best small-business credit cards of September 2023

Updated September 25, 2023

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 small-business credit cards of 2023 available from our partners.

New Card
Image of Capital One Venture X Business
Apply now Lock
on Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
Info
Image of Ink Business Cash® Credit Card

BEST FOR OFFICE EXPENSES

Ink Business Cash® Credit Card

Apply now Lock
on Chase's secure site
Rating: 4.6 stars out of 5
4.6 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Capital One Spark Cash Select for Excellent Credit
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on Capital One's secure site
Rating: 4.1 stars out of 5
4.1 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
Info
Image of Ink Business Unlimited® Credit Card

Best for unlimited cash back

Ink Business Unlimited® Credit Card

Apply now Lock
on Chase's secure site
Rating: 4.2 stars out of 5
4.2 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Capital One Spark Cash Plus

Best for annual cash bonus

Capital One Spark Cash Plus

Apply now Lock
on Capital One's secure site
Rating: 4.6 stars out of 5
4.6 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
Info
Image of Ink Business Preferred® Credit Card

Best for flexible travel REWARD REDEMPTION options

Ink Business Preferred® Credit Card

Apply now Lock
on Chase's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now Lock
on Bank of America's secure site
Rating: 3.9 stars out of 5
3.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
Info
Image of Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now Lock
on Bank of America's secure site
Rating: 3.8 stars out of 5
3.8 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
Info
Image of Ink Business Premier℠ Credit Card

Best for large purchases

Ink Business Premier℠ Credit Card

Apply now Lock
on Chase's secure site
Rating: 3.4 stars out of 5
3.4 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Capital One Spark Miles for Business

Best for NO-HASSLE business travel rewards

Capital One Spark Miles for Business

Apply now Lock
on Capital One's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of American Express® Business Gold Card
Apply now Lock
on American Express's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now Lock
on U.S. Bank's secure site
Rating: 3.9 stars out of 5
3.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Revenued Business Card

Best for financial options

Revenued Business Card

Apply now Lock
on Revenued's secure site
Rating: 3.9 stars out of 5
3.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Bad to Fair (300 – 670)
Info
Image of The Business Platinum Card®  from American Express
Apply now Lock
on American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of United℠ Business Card

Best for United Airline benefits

United℠ Business Card

Apply now Lock
on Chase's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of The American Express Blue Business Cash™ Card
Apply now Lock
on American Express's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

N/A

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of The Blue Business® Plus Credit Card from American Express
Apply now Lock
on American Express's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

N/A

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of The Hilton Honors American Express Business Card
Apply now Lock
on American Express's secure site
Rating: 4.5 stars out of 5
4.5 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Brex 30 Card

BEST FOR RIDESHARES

Brex 30 Card

Apply now Lock
on Brex's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

No Credit History
Info
Image of Capital on Tap Business Credit Card

BEST FOR LOW MAINTENANCE

Capital on Tap Business Credit Card

Apply now Lock
on Capital On Tap's secure site
Rating: 3.5 stars out of 5
3.5 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Comparing Bankrate’s top small-business credit cards

Business Credit Card Rewards & Highlights APR Bankrate Review Score
Capital One Venture X Business

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

N/A

(See Rates & Fees)

4.9 / 5 
(Read full card review)
Ink Business Cash Credit Card 5% cash back on internet, cable, phone services and office supply stores (up to $25,000 a year in combined purchases) 18.49% to 24.49% (variable)  4.4 / 5
(Read full card review)
Capital One Spark Cash Select for Excellent Credit  5% cash back on travel booked through the Capital One Travel portal, 1.5% cash back on all other eligible purchases

18.24% - 24.24% (variable)

(See Rates & Fees)

4.1 / 5
(Read full card review)

Ink Business Unlimited Credit Card Unlimited 1.5% cash back on business purchases 18.49% to 24.49% (variable) 4.2 / 5
(Read full card review)
Capital One Spark Cash Plus   Unlimited 2% cash back on every purchase

N/A

(See Rates & Fees)

4.6 / 5
(Read full card review)
Ink Business Preferred Credit Card 3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services 21.24% to 26.24% (variable) 4.4 / 5
(Read full card review)
Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card Unlimited 1.5% cash back on all purchases with no annual spending caps 18.49% - 28.49% (variable) 3.9 / 5
(Read full card review)
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card 3% cash back on the category of your choice (from available list), 2% cash back on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 18.49% to 28.49% (variable) 3.8 / 5
(Read full card review)
Ink Business Premier℠ Credit Card 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 19.49% to 27.49%
(variable Flex for Business)
3.4 / 5
(Read full card review)
Capital One Spark Miles for Business 2X miles on every purchase

25.99% (variable)

(See Rates & Fees)

4.4 / 5
(Read full card review)
American Express Business Gold Card 4X points on up to $150,000 per year in two select categories your business spends the most in each month, then 1X 19.49% to 27.49%
(variable Pay Over Time)
5 / 5
(Read full card review)
U.S. Bank Business Altitude™ Connect World Elite Mastercard® 5X points on prepaid hotels and rental cars when directly booked in the U.S. Bank Rewards Center, 4X points on travel such as airfare, hotels, gas and EV charging stations (up to $150,000 in combined spend annually), 2X points on dining, takeout or restaurant delivery 20.24%  to 28.24% (variable)
3.9 / 5
Revenued Business Card 3% cash back on purchases N/A 3.9 / 5 
(Read full card review)
The Business Platinum Card from American Express 5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com; 1.5X points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (cap applies) and 1X points on all other purchases 19.49%  to 27.49%
(variable Pay Over Time APR)
4.8 / 5
(Read full card review)
United Business Credit Card 2 miles for every dollar spent on United purchases, dining, at gas stations, office supply stores and on local transit; 1 mile for all other purchases 21.74% to 28.74% (variable) 4.4 / 5
(Read full card review)
American Express Blue Business Cash Card 2% cash back on up to $50,000 per calendar year, then 1%, cash back earned is automatically credited to your statement 18.49% to 26.49% (variable) 4.0 / 5
(Read full card review)
The Blue Business Plus Credit Card from American Express 2X points on everyday business purchases (up to $50,000 in purchases per year, then 1x) 18.49% to 26.49% (variable) 4.0 / 5
(Read full card review)
The Hilton Honors American Express Business Card 12X points directly with Hilton properties, 6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals) with 3X points on all other purchases 20.99% to 29.99% (variable) 4.5 / 5
(Read full card review)
Brex 30 Card 7X points on rideshades, 4X points on Brex Travel, 3X points at restaurants, 2X points on recurring software purchases N/A

5 / 5
(Read full card review)

Capital on Tap Business Card Unlimited 1.5% cash back 17.74% to 35.99% (variable) 3.5 / 5
(Read full card review)

A closer look at our top business credit cards

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Capital One Venture X Business

BEST FOR TRAVEL

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It comes with a terrific set of perks at a relatively low cost. You’ll enjoy valuable, practical benefits like an annual travel credit, anniversary bonus miles and airport lounge access, all of which should be easy for frequent travelers to make the most of. In fact, these perks may offer enough value to offset the annual fee on their own, so the card could make sense even if you only travel occasionally.

Business travelers looking for practical travel perks and a streamlined rewards program will get the most value out of this card.

If you want the flexibility to redeem rewards at a decent value for both travel and cash back, consider the Ink Business Preferred® Credit Card. While that card’s points are worth 25 percent more when you redeem for Chase travel, you can still get a solid 1-cent-per-point in redemption value if you opt for cash back. 

Read our full Venture X Business card review or jump back to offer details.

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Ink Business Cash® Credit Card

BEST FOR OFFICE EXPENSES

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One of Chase’s best business cards, it packs a punch if you spend up to $25,000 per year at office supply stores and on cable, internet and phone services.

Small-business owners, e-retailers and Etsy store owners who want exceptional value without having to pay an annual fee and who can take advantage of the card’s bonus categories.

If most of your monthly business expenses go beyond routine office supplies, you may find that a flat-rate card like the Ink Business Unlimited® Credit Card offers more value.
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Capital One Spark Cash Select for Excellent Credit

BEST FOR SIMPLICITY

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The Capital One Spark Cash Select for Excellent Credit is a great no-annual-fee card for those looking for solid flat-rate rewards with boosted rewards on travel rewards. Also, compared to its sibling card — the Capital One Spark Cash Plus — the welcome bonus is an upgrade over most at this tier. 
Small-business owners who prefer simple rewards programs and only travel occasionally.
If the credit score requirement for the Spark Select is a bit too high, the Brex 30 Card could be a good alternative. Not only does it not require a credit score history, it also doesn’t require a personal guarantee.
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Ink Business Unlimited® Credit Card

Best for unlimited cash back

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The Ink Business Unlimited is a simplified, no-annual-fee option for business owners who don’t want to be bothered with ever-changing bonus categories. You earn unlimited cash back on all purchases and get the rare benefit of an intro APR offer on purchases. Plus, it provides employee cards for no extra cost.

Small-business owners who don’t travel often and prefer to earn straightforward cash back rewards on business expenses.

The Capital One Spark Cash Select for Excellent Credit offers the same rewards rate, but its sign-up bonus comes with a much lower spending requirement.
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Capital One Spark Cash Plus

Best for ANNUAL CASH BONUS

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The high flat-rate cash back on this card is significant. Your rewards won’t expire for the life of the account, and you can redeem your cash back for any amount. Plus, you can get your $150 annual fee refunded every year you spend at least $150,000
Business owners who spend big every year and prefer flat-rate rewards.
Like the Spark Cash Plus, The Capital One Spark Select for Excellent Credit has no preset spending limit. While the rewards rate is a little lower, the welcome bonus is an upgrade.
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Ink Business Preferred® Credit Card

BEST FOR FLEXIBLE TRAVEL REDEMPTION

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The rewards rates make this card valuable for businesses that want to earn 3X points on travel and select business categories (for the first $150,000, then 1X points). The fact that you can redeem your points for 25 percent more value for travel through the Chase Ultimate Rewards® portal is icing on the cake. You also have the opportunity to transfer your points at a 1:1 ratio to big-name airline and hotel partners like United, Southwest, British Airways, Marriott and Hyatt.
Small-business owners seeking boosted travel rewards without sacrificing business rewards. 
The American Express Business Gold Card offers elevated rewards on spending in your top two select categories where your business spent the most each month. Though the Ink Business Preferred wins out on travel, the Amex Business Gold’s rewards rate may be a better value for businesses with somewhat predictable expenses. 
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Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

BEST FOR UNLIMITED FLAT-RATE CASH BACK

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You get flat-rate cash back on all purchases, without having to think about spending caps or having to tailor your spending toward specific categories. You can also boost those rewards significantly if you qualify for the Bank of America Preferred Rewards program, earning up to 2.62% cash back on all purchases. 

Business owners whose purchases cover various spending categories and prefer banking with Bank of America. 
Big spenders willing to look outside of Bank of America may find more value with the Capital One Spark Cash Plus card and its higher unlimited cash back rate on all eligible purchases.
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Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

BEST FOR CHOICE OF CASH BACK CATEGORY

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Cardholders can choose where they can earn the most cash back in select categories for their spending, which is a rarity in business rewards cards. But the best way to maximize your cash back with this card is to have an eligible Bank of America business checking account and qualify for Preferred Rewards, allowing you to earn up to 75 percent more cash back on every purchase.

Business owners who can benefit from boosted rewards rates on purchases in select business categories.

Businesses with consistent monthly spending categories may prefer the U.S. Bank Business Altitude Connect World Elite Mastercard, as you can also earn a higher rewards rate on travel-related expenses. Also, you may want to consider other Bank of America Business credit card options.

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Ink Business Premier℠ Credit Card

BEST FOR LARGE PURCHASES

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Big spenders will get the most value, earning unlimited cash back at a solid flat rate for general purchases with a slight boost for larger purchases. 

Independent contractors, freelancers or business owners with a high cash flow. For maximum value (and to easily offset the high annual fee), make sure to take advantage of Chase’s Ultimate Rewards Travel portal and the generous 2.5 percent flat rate on purchases of $5,000 or more.

A rewards card with tiered categories may be better if your business spending is more aligned with specific business purchases. The Ink Business Cash® Credit Card charges no annual fee and offers a high cash back rate on office supply store, internet, cable and phone service purchases. If those categories fit your business’ spending habits, this is an excellent opportunity to earn twice as much (or more) on purchases as you would with the Ink Business Premier card. 

Learn more: Is the Chase Ink B