Apply now
On Bank of America's secure site
Rewards rate
  • 3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
  • 2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
  • 1% Unlimited 1% cash back on all other purchases.
Intro offer
$300 
Annual fee
$0
Regular APR
See Terms
Recommended credit
Excellent (740 - 850)
Apply now
On Bank of America's secure site
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.
Intro offer
$300 
Annual fee
$0
Regular APR
See Terms
Recommended credit
Excellent (740 - 850)

Best for no-hassle cash back

Apply now
On Capital One's secure site
Rewards rate
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Intro offer
Up to $1,000 cash bonus 
Annual fee
$150
Regular APR
N/A
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Intro offer
$250 
Annual fee
No annual fee
Regular APR
14.74% - 22.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for unlimited cash back

Apply now
On Chase's secure site
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
$750 
Annual fee
$0
Regular APR
13.99% - 19.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for office supplies

Apply now
On Chase's secure site
Rewards rate
  • 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro offer
$750 
Annual fee
$0
Regular APR
13.99% - 19.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Intro offer
15,000 points 
Annual fee
No annual fee
Regular APR
14.74% - 22.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X 1X points for each dollar you spend on eligible purchases.
Intro offer
120,000 points 
Annual fee
$695
Regular APR
15.74% - 23.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for flexible rewards

Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Intro offer
70,000 points 
Annual fee
$295
Regular APR
15.74% - 23.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On WebBank's secure site
Rewards rate
  • 1.5% 1.5% unlimited cashback with no annual fee
Intro offer
$750 Cashback 
Annual fee
$0
Regular APR
9.99% - 34.99% APR
Recommended credit
Good to Excellent (670 - 850)

Best for flexible travel options

Apply now
On Chase's secure site
Rewards rate
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro offer
100,000 points 
Annual fee
$95
Regular APR
16.74% - 21.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for business travel rewards

Apply now
On Capital One's secure site
Rewards rate
  • 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro offer
50,000 miles 
Annual fee
$0 intro for first year; $95 after that
Regular APR
22.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for expense management tools

Apply now
On Divvy's secure site
Rewards rate
  • 2X 2x-7x on Restaurants
  • 2X 2x-5x on Hotels
  • 1.5x 1.5x-2x on Recurring Software Subscriptions
  • 1X 1x-1.5x on Everything Else
Intro offer
N/A
Annual fee
$0
Regular APR
N/A
Recommended credit
Good to Excellent (670 - 850)

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit AmericanExpress.com/BenefitsGuide for more details. Underwritten by Amex Assurance Company. The information about the Bank of America® Business Advantage Cash Rewards Mastercard® credit card, Brex Corporate Card for Startups and the U.S. Bank Cards has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.


Comparing the top business credit cards

Business credit card Rewards Bankrate review score
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card 3% cash back on your choice of one of six categories, 2% cash back on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 3.5 / 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. 4.2 / 5
(Read full card review)
Capital One Spark Cash Plus Unlimited 2% cash back on every purchase 4.7 / 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 4.4 / 5
(Read full card review)
Ink Business Unlimited Credit Card Unlimited 1.5% cash back on business purchases 4.2 / 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) 4.4 / 5
(Read full card review)
The Blue Business Plus Credit Card from American Express 0% intro APR on purchases for 12 months from account opening, then 14.74% to 22.74% variable 4.2 / 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 4.9 / 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 billing cycle and 2X points on rental cars booked through AmexTravel.com 4.4 / 5
(Read full card review)
Capital on Tap Business Card 1.5% unlimited cash back with no annual fee 3.6 / 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 4.5 / 5
(Read full card review)
Capital One Spark Miles for Business 2X miles on every purchase 4.3 / 5
(Read full card review)
Divvy Business Card Up to 7X rewards points with the amount varying by spending category and how often you pay your bill 3.7 / 5
(Read full card review)

A closer look at our top business credit cards

Bank of America Business Advantage Customized Cash Rewards Mastercard credit card: Best for choice of cash back category

  • What we love about the Bank of America Business Advantage Customized Cash Rewards Mastercard: Cardholders get the autonomy to choose where they can earn the most back in select categories for their spending, a rarity in business rewards cards.
  • Who this card is good for: Business owners who can benefit from boosted rewards rates on purchases at gas stations, office supply stores and travel, as these are aligned with this card’s cash back choice categories.
  • Alternatives: Businesses with consistent monthly spending categories that prefer a cash back option may prefer the Ink Business Cash Credit Card. You’ll earn a hefty 5 percent cash back on office supplies, phone and internet services, and 2 percent cash back at U.S. gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year).

Learn more: Is the Bank of America Business Advantage Customized Cash Rewards Mastercard worth it?
Read our full Bank of America Business Advantage Customized Cash Rewards Mastercard credit card review or jump back to offer details.

Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card: Best for Bank of America loyalists

  • What we love about the Bank of America Business Advantage Unlimited Cash Rewards Mastercard: You get 1.5 percent cash back on all purchases, meaning you don’t have to worry about tailoring your spending a certain way. You can also boost those rewards significantly if you qualify for the Bank of America Preferred Rewards program.
  • Who this card is good for: Business owners whose purchases cover a variety of different spending categories.
  • Alternatives: Big spenders willing to look beyond Bank of America may find more value with the Capital One Spark Cash Plus card and its 2 percent unlimited cash back on all eligible purchases.

Read our full Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card review or jump back to offer details.

Capital One Spark Cash Plus: Best for no-hassle cash back

  • What we love about the Capital One Spark Cash Plus: The 2 percent flat-rate cash back on this card is significant. Your rewards also won’t expire for the life of the account and you can redeem your cash back for any amount. You can also earn an annual cash bonus of $200 every year you spend $200,000 or more.
  • Who this card is good for: Small-business owners who want a no-hassle way to earn cash back rewards on business purchases.
  • Alternatives: Like the Spark Cash Plus, The Plum Card® from American Express also comes with no preset spending limit. The Plum Card lets you carry a balance for 60 days, which is especially attractive for business owners who may need a little extra time to pay the bill.

Learn more: Capital One Spark Cash Plus Benefits Guide.
Read our full Capital One Spark Cash Plus review or jump back to offer details.

American Express Blue Business Cash Card: Best for startups

  • What we love about the Blue Business Cash Card: This card offers Expanded Buying Power, a potential game-changer for a new businesses. This benefit gives you the option of exceeding your credit limit without paying an over-limit fee (see terms).
  • Who this card is good for: The American Express Blue Business Cash Card is a great match for new businesses, freelancers and vendors looking for a flat-rate cash back option.
  • Alternatives: Small businesses who prefer the value of points over the convenience of cash back may prefer the Blue Business Plus Credit Card from American Express. It’s also worth noting that Amex Membership Rewards points can be transferred to partnering hotels and airlines, often boosting points value.

Learn more: Is the American Express Business Platinum worth it?
Read our full American Express Blue Business Cash review or jump back to offer details.

Ink Business Unlimited Credit Card: Best for unlimited cash back

  • What we love about the Ink Business Unlimited Credit Card: It’s not uncommon for business credit cards to charge fees for additional employee cards, but the Ink Business Unlimited provides them for no additional cost . You can also set individual spending limits for employee cards.
  • Who this card is good for: Small-business owners who are new to rewards will find a lot to like about the Ink Business Unlimited.
  • Alternatives: The Capital One Spark Cash Select – $500 Cash Bonus offers the same rewards rate, but its sign-up bonus comes with a much lower spending requirement ($500 bonus when you spend $4,500 within the first three months).

Learn more: Ink Business Unlimited Benefits Guide.
Read our full Ink Business Unlimited Credit Card review or jump back to offer details.

Ink Business Cash Credit Card: Best for office supplies

  • What we love about the Ink Business Cash Credit Card: The bonus categories, which include office supply stores, cable, internet and phone services, are uniquely valuable to many types of businesses.
  • Who this card is good for: Small-business owners, e-retailers and Etsy store owners who spend a lot on internet, phone and office supplies.
  • Alternatives: 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.

Learn more: Ink Business Cash Benefits Guide.
Read our full Ink Business Cash Credit Card review or jump back to offer details.

The Blue Business Plus Credit Card from American Express: Best for everyday business expenses

  • What we love about the Blue Business Plus Credit Card from American Express: Besides its travel redemption options, the Blue Business Plus comes with rental car insurance as well as access to the Global Assist® Hotline, which can help with emergencies such as a lost passport or missing luggage.
  • Who this card is good for: Small-business owners who want to redeem rewards for travel.
  • Alternatives: Business owners with high monthly expenses may get more value from the Capital One Spark Cash Plus Card, which also offers 2 percent cash back but does not put a cap on rewards.

Read our full The Blue Business Plus Credit Card from American Express review or jump back to offer details.

The Business Platinum Card from American Express: Best for luxury travel

  • What we love about the Business Platinum Card from American Express: Business travelers get access to over 1,400 lounges worldwide with this card. In addition, cardholders can receive up to $200 a year in airline fee statement credits with a select airline and a fee credit for Global Entry or TSA Precheck along with other notable perks.
  • Who this card is good for: Big spenders who travel often and want to cash in on the most premium travel benefits.
  • Alternatives: If your business doesn’t require much traveling, the American Express Business Gold Card may be a better match. Not only will you spend a lot less on annual fees, but you stand to earn a higher rewards rate on your top expense categories.

Read our full The Business Platinum Card from American Express review or jump back to offer details.

American Express Business Gold Card: Best for a variety of rewards categories

  • What we love about the American Express Business Gold Card: American Express offers six valuable, business-oriented rewards categories. Each billing cycle, you’ll be rewarded at a rate of four points per dollar in whichever two categories your business spent the most within (up to $150,000 in combined purchases per year).
  • Who this card is good for: Small-business owners with ever-changing spending habits. The ability to add employee cards can also help you build rewards and offset the $295 annual fee.
  • Alternatives: Though the Business Platinum Card from American Express comes with a whopper annual fee of $695, globetrotting business owners may find its premium travel perks worth every cent.

Learn more: How to choose between the Amex Business Gold and Amex Business Platinum.
Read our full American Express Business Gold Card review or jump back to offer details.

Capital on Tap Business Card: Best for no annual fee

  • What we love about the Capital on Tap Business Card: This card has no annual fee and no foreign exchange fees, making it ideal for small businesses that frequently make purchases abroad.
  • Who this card is good for: The Capital on Tap Business Card is ideal for small business employees who need to charge expenses for their role.
  • Alternatives: Similarly, the Bank of America Business Advantage Unlimited Cash Rewards card charges no annual fee and offers 1.5 percent cash back. Existing Bank of America customers stand to earn significantly higher rewards through its Preferred Rewards program provided they meet program requirements.

Learn more: Tap into the benefits of the Capital on Tap Business Credit Card.
Read our full Capital on Tap Business Card review or jump back to offer details.

Ink Business Preferred Credit Card: Best for flexible travel options

  • What we love about the Ink Business Preferred Credit Card: The rewards rates alone make this card valuable for business travelers, but the real icing on the cake is the wealth of redemption options. You can redeem your points for 25 percent more value for travel through the Chase Ultimate Rewards® portal, but you also have the option to transfer your points 1:1 to big-name airline and hotel partners like United, Southwest, British Airways, Marriott and Hyatt.
  • Who this card is good for: Small-business owners seeking travel rewards and an impressive sign-up bonus.
  • Alternatives: The American Express Business Gold Card offers 4X points on spending in your top two categories where your business spent the most each month (up to $150,000 in combined purchases per year). Though the Ink Business Preferred wins out on travel, the Amex Business Gold’s rewards rate may prove to be a better value for businesses with somewhat predictable expenses.

Learn more: How I used my Ink Business Preferred card’s sign-up bonus
Read our Ink Business Preferred Credit Card review or jump back to offer details

Capital One Spark Miles for Business: Best for business travel rewards

  • What we love about the Capital One Spark Miles for Business: While some travel credit cards have complicated rewards structures, the Capital One Spark Miles for Business keeps it simple. You can book travel through Capital One or use your miles to cover travel-related purchases made on your card within the last 90 days, including airfare, hotel bookings, transit and more.
  • Who this card is good for: Budget-conscious business travelers. If you’re looking for even more rewards, free employee cards make it easy to rack up miles on every purchase.
  • Alternatives: The Ink Business Preferred Credit Card charges the same annual fee but comes with a broader range of travel benefits, including trip protection.

Read our full Capital One Spark Miles for Business review or jump back to offer details.

Divvy Business Card: Best for expense management tools

  • What we love about the Divvy Business Card: This card simplifies expense budgeting by allowing you to set spending limits for employee cards. In addition to expense management and budgeting tools, cardholders can easily request credit limit increases through the platform.
  • Who this card is good for: Business owners looking for a seamless way to manage staff spending. Using the Divvy platform, you can track transactions, create budgets, submit expense reports and reimburse employees.
  • Alternatives: If your business regularly racks up high monthly rideshare expenses, the Brex 30 card offers 8X points on rideshares and also comes with no annual fee.

Read our full Divvy Business Card review or jump back to offer details.


What are small-business credit cards?

Business credit cards are similar to personal credit cards, only tailored to business needs. They can provide businesses with rewards on everyday spending, help cover expenses and assist in building business credit, making it easier to borrow in the future and qualify for a lower credit card APR. Plus, any income-producing endeavor may be considered a legitimate business for a business credit card. Even if you don’t have a registered LLC or corporation, you may be eligible to apply.

Lightbulb
Bankrate insight
You don’t need to own a formal business structure, like a corporation or LLC, to get a business credit card. You also don’t need an employer identification number (EIN); you can apply as a sole proprietor using a Social Security number. In fact, as long as you sell a good or service, you’re usually considered an eligible small-business owner.

How do business credit cards work?

In practice, business credit cards work the same as consumer credit cards: You get approved for a specific credit limit, which serves as your spending maximum. Your available credit decreases as you make purchases, and it increases as you pay off those purchases. Some business credit cards also require a personal guarantee from the business owner, meaning the owner promises to pay the credit card balance if the business itself cannot repay its debts.

Depending on which type of card you choose, business credit cards often come with additional perks and upgrades. These can include business credit card rewards, which are often customized to fit the categories where businesses spend most, like office supplies, dining and travel. The rewards typically come in the form of cash back or travel miles.

Types of small-business credit cards

Invest some time in determining the ideal type of small-business credit card for your business so that you can reap the most valuable benefits. Here’s a breakdown of different types of business credit cards and how they might appeal to you based on your business objectives:

Why small-business owners should get a business credit card

Business credit cards are designed for small-business owners. While that might bring to mind an image of someone operating a physical storefront, small-business owners take many shapes. Freelancers, contract workers, online merchants and all kinds of gig workers can qualify for business credit cards.

Business credit cards are useful for small-business owners who want to:

  • Operate a sole proprietorship: Business credit cards are for all types of businesses. So even freelancers, independent contractors and gig-economy workers with limited startup or working capital can take advantage of a business credit card to cover inventory, cyclical expenses and emergencies.
  • Earn some extra cash: Even if you’re just using the card for occasional purchases—a client lunch here, supplies there—cash back will rack up over time. If you maximize your rewards, you could get even more cash back or points from a business credit card.
  • Use points or miles to cover business travel: Whether you’re a current or aspiring business traveler, a travel rewards business card can put you one step closer to a free flight or hotel stay with every eligible purchase.
  • Separate business expenses from personal expenses: One of the most basic reasons to have a card dedicated solely to business is to track and manage your business expenses. Not only does this help with budgeting, but it makes doing your business’s taxes much easier.
  • Finance a large purchase: If you’re dreaming of taking your business to the next level but don’t quite have the funds to comfortably cut a check, a business credit card can help. Not only can you split up the payments over several months, but you can also avoid interest entirely by making use of a 0 percent introductory APR period.
  • Take advantage of unique perks: Business cards often come with benefits designed to appeal to small-business owners. Common perks include free employee cards, expense tracking tools, quarterly summaries, merchant discounts, purchase protection and travel benefits.
  • Track and earn rewards for employee spending: The best business credit cards let you add employees as authorized users to the account for free. Adding employee cards allows you to track or even manage employee spending. In some cases, you can pre-set spending limits.
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Bankrate insight
Common small-business funding sources include crowdfunding platforms, bank loans, SBA loans, investors and credit cards. According to the Federal Reserve’s 2020 Small-Business Credit Survey, credit cards are the second most common form of financing for small businesses, used on a regular basis by 53 percent of small-business owners.

Pros and cons of small-business credit cards

Business credit cards can be a great tool for managing your business’s cash flow, earning rewards and staying organized, but they aren’t for every situation. Like any form of credit, there are benefits and drawbacks.

Pros

  • Lenient qualification: It can be easier to qualify for a business credit card than a line of credit or a bank loan.
  • Credit limits: Business credit cards usually provide higher credit limits than consumer credit cards.
  • Funds access: A business credit card can help address cash flow concerns.
  • Tax season simplification: Keeping business expenses separate from personal expenses makes tax records simpler to unravel.

Cons

  • Liability: You may be personally liable for any unpaid debt on the cards, and business credit can affect your personal credit.
  • Fewer protections: Business credit cards are not required to offer the same consumer protections as personal cards under the Credit CARD Act of 2009, though many issuers do voluntarily extend these protections to their business products.
  • Higher interest: They can be expensive, with relatively high average interest rates and fees. These costs can eat away at your business’s bottom line if you’re not careful.

How to choose the best small-business credit card

  • What categories does your business spend the most on each month? If your expenses are concentrated in one category like travel, then search for the best business credit card that offers rewards for those kinds of purchases.
  • Can you afford an annual fee? Some of the best credit cards for businesses come with an annual fee in exchange for better rewards and perks. If you can recoup the cost of the annual fee or afford it outright, then you can unlock more benefits with your business spending.
  • Will you carry a balance on your business credit card? Compare the APRs on the credit cards you’re considering. If you carry a balance from one month to another, expect to pay interest—so finding a card with the lowest APR possible will help mitigate costly charges on your account.
  • Do you want additional card perks? Look further than cash back percentages and points rewards to see what else a card has to offer, from airport lounge access to free additional employee cards and other tools that can help your business grow.

What you need to apply for a small-business credit card

When applying for a business credit card you’ll need more information than what would be required for a personal credit card application. Know this information or have it readily available when applying for your small-business credit card:

  1. Your business’s legal structure. A credit card issuer will need to know your business structure and if it has other beneficial owners with a 25 percent or more stake in the business. It can be registered as a corporation, partnership, nonprofit or a limited liability company.
  2. Your business’s legal name. If your business is set up as a corporation or a limited liability partnership, you need to provide your credit issuer with the name you gave the state you registered your business in. If you’re a sole proprietor, or general partnership you can simply provide your own name.
  3. Your federal tax ID. Your EIN—your employer identification number—is the nine-digit number assigned to your business by the IRS. The issuer will use your EIN to verify your business. If you’re operating as a sole proprietor and don’t have an EIN yet, use your Social Security number.
  4. Annual revenue. Your card issuer will want to determine your ability to repay funds if necessary and calculate your debt-to-income ratio. For this, provide your annual business revenue. If you don’t have any, you can provide your personal annual income. You’ll need to provide an estimated monthly spend amount on the card as well.
  5. Credit score. You don’t need good credit to get a business credit card, but if you want one with competitive rates and features, you’ll need good-to-excellent credit. The best small-business credit cards—the ones with low interest rates, generous sign-up bonuses, long intro 0 percent APR offers and more—are reserved for people with a FICO credit score of 670 or higher. Plus, after receiving your first business credit card, you’ll be able to establish a business credit score.

How long does it take to get a business credit card?

After determining which card is the correct fit for your business and going through the application process, you may receive a decision instantly. However, if the issuer needs to take a closer look at your application, you’ll most likely receive a decision within two weeks. If approved, your card may take up to 10 business days to arrive. If your application is denied, consider applying for another card or call the issuer’s reconsideration line.

How we rate the best business cards

While we consider all aspects of a credit card when calculating the 5-star Bankrate score, the criteria for business cards emphasize features most valued by business owners. Scoring on this page places a weighted emphasis on factors including:

APR (Annual Percentage Rate)

Some cards offer lower variable APRs, while others allow business owners to manage debt from large purchases or other credit accounts with 0 percent intro APR offers.

Rewards rates

When evaluating each card, we consider both the earning structure rate and corresponding redemption values that a small/medium business owner can expect with every eligible purchase.

Bonuses, discounts and perks

For each sign-up bonus or welcome offer, we compare the spending requirements with the redemption value that each card brings to the table. On top of the bonus, we layer in additional perks like free employee cards and rental car insurance to calculate the total expected value.

More research on credit cards for businesses

If you want a deeper look into how each card may serve your business’s needs, check out our expert reviews on all of the major business credit cards on the market today.

Stay in the know and get informed with the latest business credit card news and advice.


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently asked questions about business credit cards

about the author
Mariah Ackary is a personal finance writer who specializes in small businesses and credit. Mariah is a lifelong writer, but joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to mackary@bankrate.com
about the editor
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.