Best small-business credit cards of September 2023

Few cash back business cards offer such a high rewards rate on office expenses. This includes purchases made at office supply stores and internet, cable and phone services. This business card also packs in bonus cash back at restaurants and gas stations. 

Even though the card’s maximum cash back rate only applies to the first $25,000 spent in each bonus category each account anniversary year (then 1 percent), the sign-up bonus, redemption value and additional perks all help make this a standout option for business owners looking for maximum value. 

Read our full Ink Business Cash Credit Card review.

This is a great option for business owners looking for straightforward rewards and low fees. This card has a generous flat-rate and doesn’t carry an annual fee, a balance transfer fee ($0 at the Transfer APR ) or foreign transaction fees.

Read our full Capital One Spark Cash Select for Excellent Credit review.

With a great rewards rate and a variety of valuable redemption options, this card is a well-rounded, solid choice for nearly any business owner, especially those looking to avoid an annual fee.

Read our full Ink Business Unlimited Credit Card review.

If your spending varies or you simply don’t want to put a lot of time and thought into maximizing business rewards, this flat-rate cash back card has plenty of appeal. Namely, you’ll earn at least 2 percent cash back on all purchases. Keep in mind, it’s a charge card; you’ll need to pay your balance off in full each month. 
Read our full Capital One Spark Cash Plus review.

Nearly every type of business—from e-commerce to brick and mortar—could benefit from the rewards that this card brings to the table, from advertising purchases with social media sites and search engines to airfare. Businesses already shouldering high monthly expenditures should consider capitalizing on this card’s top-notch sign-up bonus.

Read our full Ink Business Preferred Credit Card review.

This no-hassle business credit card lets you earn unlimited 1.5 percent cash back on all purchases with no spending caps, allowing you to cover business expenses across a range of categories and earn the same solid rewards. You also have the opportunity to boost those rewards if you qualify for Bank of America’s Preferred Rewards program.
Read our full Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card review.

You have the power to choose your top earning spending category within the available categories with this card, which opens the door for you to tailor your spending exactly how you want it. In addition to earning boosted rewards on your category of choice and on dining purchases, you’ll round out your reward earnings with unlimited 1 percent cash back on all other purchases. Read our full Bank of America Business Advantage Customized Cash Rewards Mastercard credit card review.

This Chase business card is a top choice for small-business owners with larger budgets and expenses that fall outside of the typical bonus rewards categories available on other business cards. On top of a generous flat rate on all your purchases, you have a chance to earn an even higher rate of cash back on purchases of $5,000 or more. 

Read our full Ink Business Premier℠ review.

If you make a lot of business trips, the Capital One Spark Miles for Business can help your rewards earnings take off. The unlimited 2X miles on every purchase is great, but it’s even better coupled with the fact that there is minimum redemption and no expiration dates.

Read our full Capital One Spark Miles for Business review.

For small business owners, this card offers a lot of value despite the hefty annual fee. Many of the rewards categories tend to be heavy-spend for small businesses, which means cash back rewards will stack up fast. And with American Express's impressive list of airline transfer partners, it's an especially great card if you'd like to redeem your rewards for travel. 

Read our full American Express Business Gold Card review.

The U.S. Bank Business Altitude Connect World Elite Mastercard offers a high rewards rate on hotel and rental car purchases booked through the U.S. Bank Rewards Center, making it easy to get more value out of your travel experience. This card also comes with no foreign transaction fees, which is ideal for spending abroad, as well as access to over 1,000 airport lounges around the country.

Read our full U.S. Bank Business Altitude™ Connect World Elite Mastercard® review. 

This prepaid card and credit line combo bases approvals on your business revenue, not your credit score, so it could make sense if you’ve had trouble qualifying for traditional business cards based on your credit history.

 Read our full Revenued Business Card review. 

Travel in style with this premium business card from American Express, which offers a number of annual travel credits, a lucrative rewards return, particularly on flights and prepaid hotels booked with AmexTravel.com, and arguably the best airport lounge access on the market. Just be sure you can recoup the card’s hefty $695 annual fee.

Read our full Business Platinum Card from American Express review.

The United Business Credit Card is a great choice for United business travelers. You can earn miles on United and common business purchases while taking advantage of a number of travel benefits. There’s even a sign-up bonus that gives both moderate and frequent business travelers a chance to quickly earn an impressive amount of bonus miles. 

Read our full United Business Credit Card review.

Offering flexible financing options and decent rewards (albeit subject to an annual cap), the American Express Blue Business Cash Card is decidedly well-rounded for a no annual fee business card. All in all, it’s one of the better cards for new businesses on the market. 
Read our full American Express Blue Business Cash review.

When you own a business, there's a long list of things to keep track of. If adding "card rewards categories" to that list is unappealing to you, The Blue Business Plus is a great, hassle-free choice. Because of its promotional APR on purchases, this card is also a great choice for business owners looking to temporarily avoid interest charges on a big purchase. 

Read our full The Blue Business Plus Credit Card from American Express review.

This business card rewards Hilton loyalists with elevated membership status and includes boosted rewards rates for more than just purchases made at Hilton Hotels. This card also comes loaded with additional features fit for dynamic business owners who are out of town more often than not, including complimentary Priority Pass visits.

Read our full Hilton Honors American Express Business Card review.

With its high rewards rate on ridesharing and travel purchases paid off daily, a solid welcome bonus and special discounts on select business partners, the Brex 30 Card might be the ideal complement for businesses that can pay down their balance on a daily basis.
 
 Read our full Brex 30 Card review. 

This low-hassle business card is affordable to hold, boasting no annual fees or foreign exchange fees for any purchases made abroad. You’ll also enjoy unlimited cards to use for your company and a modest flat rate of cash back on all purchases. 

Read our full Capital On Tap Business Card review.