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Best business credit cards of February 2024

Updated February 20, 2024

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 February 2024.

Best for earning rewards on office expenses

Ink Business Cash® Credit Card

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$750

Offer valuation

Info

1% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Limited Time Offer
Best for annual cash bonus

Capital One Spark Cash Plus

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$3000

Offer valuation

Info

2% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Best for large welcome offer

Ink Business Unlimited® Credit Card

Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$750

Offer valuation

Info

1.5%

Rewards Rate

Info

Annual fee

Regular APR

Best no-annual-fee business card

The Blue Business® Plus Credit Card from American Express

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$300

Offer valuation

Info

1X - 2X

Rewards Rate

Info

Annual fee

Regular APR

Best for no balance transfer fee

Capital One Spark Cash Select for Excellent Credit

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$750

Offer valuation

Info

1.5% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Limited Time Offer
awards-badge
2024 Bankrate Awards Winner
Best for travel perks and credits

Capital One Venture X Business

Rating: 4.9 stars out of 5
4.9
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$5100

Offer valuation

Info

2X miles - 10X miles

Rewards Rate

Info

Annual fee

Regular APR

Best for Bank of America customers

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Rating: 3.9 stars out of 5
3.9
Info
Apply now Lock
on Bank of America's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$300

Offer valuation

Info

1.5%

Rewards Rate

Info

Annual fee

Regular APR

Best for large purchases

Ink Business Premier℠ Credit Card

Rating: 3.4 stars out of 5
3.4
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$1000

Offer valuation

Info

2% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Best business card for flat-rate cash back

The American Express Blue Business Cash™ Card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$250

Offer valuation

Info

1% - 2%

Rewards Rate

Info

Annual fee

Regular APR

Best for reward category flexibility

American Express® Business Gold Card

Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$1400

Offer valuation

Info

1X - 4X

Rewards Rate

Info

Annual fee

Regular APR

Best for Fair/Subprime Credit
Best for fair credit

Revenued Business Card

Rating: 2.7 stars out of 5
2.7
Info
Apply now Lock
on Revenued's secure site
Bad to Fair (300 – 670)
Info
Recommended Credit

N/A

Intro offer

Info

N/A

Offer valuation

Info

N/A

Rewards Rate

Info

Annual fee

N/A

Regular APR

Best for flexible travel redemption

Ink Business Preferred® Credit Card

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$2000

Offer valuation

Info

1X - 3X

Rewards Rate

Info

Annual fee

Regular APR

Best for luxury travel perks

The Business Platinum Card® from American Express

Rating: 4.8 stars out of 5
4.8
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$2400

Offer valuation

Info

1X - 5X

Rewards Rate

Info

Annual fee

Regular APR

Best for easy rewards redemption

Capital One Spark Miles for Business

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$850

Offer valuation

Info

2X - 5x

Rewards Rate

Info

Annual fee

Regular APR

Best for United Airline benefits

United℠ Business Card

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$900

Offer valuation

Info

1X - 2X

Rewards Rate

Info

Annual fee

Regular APR

Best for Hilton benefits

The Hilton Honors American Express Business Card

Rating: 4.5 stars out of 5
4.5
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$780

Offer valuation

Info

3X - 12X

Rewards Rate

Info

Annual fee

Regular APR

Best for potentially high credit limit

Capital on Tap Business Credit Card

Rating: 3.5 stars out of 5
3.5
Info
Apply now Lock
on Capital On Tap's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$200

Offer valuation

Info

1.5%

Rewards Rate

Info

Annual fee

Regular APR

Best business card for automatic bonus categories
Image of U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card
*

Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

1% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Comparing Bankrate’s top small-business credit cards

Business Credit Card Rewards & Highlights APR Bankrate Review Score
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 $750 bonus cash back
Info
Regular APR: 18.49% - 24.49% Variable

4.6 / 5

Info
(Read card review)
Apply now Lock
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: Up to a $3,000 cash bonus
Info
Regular APR: N/A

4.6 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Unlimited 1.5% cash back on business purchases
Intro Offer: Earn $750 bonus cash back
Info
Regular APR: 18.49% - 24.49% Variable

4.2 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site

2X points on everyday business purchases (up to $50,000 in purchases per year, then 1x)

Intro Offer: 15,000 Membership Rewards® points
Info
Regular APR: 18.49% - 26.49% Variable

4.1 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

5% cash back on travel booked through the Capital One Travel portal |

1.5% cash back on all other eligible purchases

Intro Offer: $750
Info
Regular APR: 18.49% - 24.49% (Variable)

4.1 / 5

Info
(Read card review)
Apply now Lock
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: Up to 300,000 miles
Info
Regular APR: N/A

4.9 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Unlimited 1.5% cash back on all purchases

Intro Offer: $300
Info
Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers

3.9 / 5

Info
(Read card review)
Apply now Lock
on Bank of America'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
Info
Regular APR: Flex for Business Variable APR: 19.49% - 27.49%

3.4 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site

2% cash back on eligible purchases up to $50,000 per calendar year, then 1%

Intro Offer: $250 statement credit
Info
Regular APR: 18.49% - 26.49% Variable

4.3 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Image of Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
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)

Intro Offer: $300
Info
Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers

4X points on up to $150,000 per year in two select categories (from 6 eligible categories) your business spends the most in each billing cycle, then 1X

3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Intro Offer: Earn 70,000 points
Info
Regular APR: 19.49% - 27.49% Variable

5.0 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

N/A

Intro Offer: N/A
Regular APR: N/A

2.7 / 5

Info
(Read card review)
Apply now Lock
on Revenued's secure site
3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services
Intro Offer: 100,000 points
Info
Regular APR: 21.24% - 26.24% Variable

4.4 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site

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 (spending cap applies)

Intro Offer: Earn 120,000 points
Info
Regular APR: 19.49% - 27.49% Variable

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Unlimited 5X miles on hotels and rental cars booked through Capital One Travel

2X miles on every purchase
Intro Offer: 50,000 miles
Info
Regular APR: 26.24% (Variable)

4.4 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

2 miles for every dollar spent on United purchases, dining, at gas stations, office supply stores and on local transit

Intro Offer: Earn 100,000 bonus miles
Info
Regular APR: 21.99% - 28.99% Variable

4.4 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site

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)

3X points on all other purchases

Intro Offer: Earn 130,000 Bonus Points
Info
Regular APR: 20.99% - 29.99% Variable

4.5 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Unlimited 1.5% cash back
Intro Offer: $200 Cashback