16 best small-business credit cards of April 2023

on American Express's secure site

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Best for flexible rewards

American Express® Business Gold Card

on American Express's secure site

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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

18.99% - 26.99% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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.*
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.
Pros

You get a generous return on some prime business-centric bonus categories.

Cardholders get access to business expense management tools.

Cons

Your bonus cash back is subject to a cap.

There’s a steep $295 annual fee.
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- 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.*
- Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
- *Terms Apply
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for unlimited cash back

Ink Business Unlimited® Credit Card

on Chase's secure site

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Best for unlimited cash back

Ink Business Unlimited® Credit Card

on Chase's secure site

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4.2 Bankrate review

4.2 Bankrate review

Rewards Rate

1.5% Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer

$750

Annual fee

Regular APR

17.74% - 23.74% Variable

Recommended credit

Good to Excellent (670 – 850)

- 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
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.
Pros

The rewards program is straightforward; it’s also generous for a no annual fee card.

If you've got a Chase Ultimate Rewards card, you can transfer your rewards and redeem them for extra value.

Cons

Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card.

There’s no intro APR on balance transfers.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Additional features

Purchase intro APR

0% Intro APR on Purchases for 12 Months

Balance transfer intro APR

N/A

Best for general business travel rewards

Capital One Spark Miles for Business

on Capital One's secure site

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Best for general business travel rewards

Capital One Spark Miles for Business

on Capital One's secure site

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Rewards Rate

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

25.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

- 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- 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.
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.
Pros

The card doesn’t charge foriegn transaction fees.

The rewards program is straightforward; it’s also generous relative to its annual fee ($95, $0 intro for first year).

Cons

There’s no intro APR on purchases or balance transfers.

Relative to some competitors, this card is slim on ancillary business-centric benefits.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- 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
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for bonus categories

Ink Business Cash® Credit Card

on Chase's secure site

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Best for bonus categories

Ink Business Cash® Credit Card

on Chase's secure site

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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

Regular APR

17.74% - 23.74% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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
This business card beats out flat-rate cards on select categories. If entertaining clients or fueling up is a regular part of your business world, you're likely to enjoy earning 2 percent cash back at restaurants and gas stations (on your first $25,000 in combined purchases per account anniversary year, then 1 percent). Read our full Ink Business Cash Credit Card review.
Pros

The value of the sign-up bonus is superb.

Rewards are generous, particularly for a no annual fee credit card.

Cons

Your bonus cash back is subject to cap.

There’s no intro APR on balance transfers.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Additional features

Purchase intro APR

0% Intro APR on Purchases for 12 months

Balance transfer intro APR

N/A

Best for no-hassle cash back

Capital One Spark Cash Plus

on Capital One's secure site

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Best for no-hassle cash back

Capital One Spark Cash Plus

on Capital One's secure site

Add to compare

4.7 Bankrate review

4.7 Bankrate review

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

Excellent (740 – 850)

- 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
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.
Pros

The rewards program is straightforward and the flat-rate return on spending is generous.

You’ll skip foreign transaction fees with this business card.

Cons

There’s a steep(ish) $150 annual fee.

Given its a charge card, there are no flexible financing options.
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express

on American Express's secure site

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Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express

on American Express's secure site

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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

17.99% - 25.99% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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.
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.
Pros

The rewards are generous for a no annual fee card.

You’ll have access to Expanded Buying Power, a flexible financing option for business cardholders.

Cons

There’s no intro APR offer on balance transfers.

Your bonus rewards are subject to a cap.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Additional features

Purchase intro APR

0% on purchases for 12 months from date of account opening

Balance transfer intro APR

N/A

Best for large purchases

New Business Card! Ink Business Premier℠ Credit Card

on Chase's secure site

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Best for large purchases

New Business Card! Ink Business Premier℠ Credit Card

on Chase's secure site

Add to compare

3.7 Bankrate review

3.7 Bankrate review

Rewards Rate

5% Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards
2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
2% Unlimited 2% cash back on all other business purchases.

Intro offer

$1,000 Cash Back

Annual fee

$195

Regular APR

Flex for Business Variable APR: 18.74% - 26.74%

Recommended credit

Good to Excellent (670 – 850)

- 5% Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards
- 2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
- 2% Unlimited 2% cash back on all other business purchases.
This new 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.
Pros

Offers the one of the highest flat rates available: 2.5% cash back on all large purchases of $5,000 or more

Comes with a high sign-up bonus that’s more accessible than comparable offers

Cons

No bonus categories with boosted rates, which could help you earn rewards faster for specific purchases

High annual fee cuts into reward earnings
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for flexible travel options

Ink Business Preferred® Credit Card

on Chase's secure site

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Best for flexible travel options

Ink Business Preferred® Credit Card

on Chase's secure site

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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

20.49% - 25.49% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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
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.
Pros

The sign-up bonus is one of the largest you'll find.

Frequent business travelers will love the ability to boost point value by 25 percent when booking travel through Chase Ultimate Rewards.

Cons

There’s a relatively high spend associated with the card’s welcome offer.

There’s no intro APR on purchases or balance transfers.
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

BEST FOR BANK OF AMERICA LOYALISTS

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

on Bank of America's secure site

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BEST FOR BANK OF AMERICA LOYALISTS

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

on Bank of America's secure site

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4.1 Bankrate review

4.1 Bankrate review

Rewards Rate

1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.

Intro offer

$300

Annual fee

Regular APR

16.74% - 26.74% Variable APR on purchases and balance transfers

Recommended credit

Excellent (740 – 850)

- 1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.
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.
Pros

This card does not charge an annual fee.

There is a modest 0% intro APR on purchases for 9 billing cycles, after that a 16.74 percent to 26.74 percent variable APR.

Cons

There is no intro APR offer on balance transfers.

This card charges a 3 percent foreign transaction fee.
- Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases everywhere, every time.
- No annual cap and cash rewards don't expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards - as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional features

Purchase intro APR

0% Intro APR for 9 billing cycles for purchases

Balance transfer intro APR

N/A

Best for frequent business travelers

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

on U.S. Bank's secure site

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Best for frequent business travelers

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

on U.S. Bank's secure site

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See Rates & Fees

Rewards Rate

5X Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
4X Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
2X Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
1X Earn 1X points on all other eligible spend.

Intro offer

60,000 Bonus Points

Annual fee

$0 Intro annual fee for the first year, $95 per year thereafter

Regular APR

19.74%-27.74% (Variable)

Recommended credit

Good to Excellent (670 – 850)

- 5X Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- 4X Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- 2X Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- 1X Earn 1X points on all other eligible spend.
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.
Pros

You have complimentary airport lounge access, which is an impressive perk for a low-annual-fee business travel rewards card

You can access ExtendPay, a flexible financing option for U.S. Bank business cardholders

Cons

There is a $95 annual fee after the first year and no intro APR on purchases or balance transfers

The 4X rewards is capped to your first $150,000 in purchases per year (1 percent thereafter)
- Introducing the U.S. Bank Business Altitude™ Connect World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 into annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for startups

American Express Blue Business Cash™ Card

on American Express's secure site

Add to compare

Best for startups

American Express Blue Business Cash™ Card

on American Express's secure site

Add to compare

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

17.99% - 25.99% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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.
Offering a welcome bonus, 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.
Pros

The welcome offer has a relatively low spending requirement.

You can access Expanded Buying Power, a flexible financing option for Amex business cardholders.

Cons

The 2 percent cash back is capped to your first $50,000 in purchases per year (1 percent thereafter).

There’s no intro APR on balance transfers.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Additional features

Purchase intro APR

0% on purchases for 12 months from date of account opening

Balance transfer intro APR

N/A

Best for luxury travel

The Business Platinum Card® from American Express

on American Express's secure site

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Best for luxury travel

The Business Platinum Card® from American Express

on American Express's secure site

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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

18.99% - 26.99% Variable

Recommended credit

Good to Excellent (670 – 850)

- 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.
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.
Pros

The card touts a generous welcome offer.

New benefits include bonus rewards on key business categories and an annual business-centric statement credit (terms apply).

Cons

The annual credits come with a number of caveats and can be tricky to maximize.

The annual fee is one of the priciest on the market.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) 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.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

BEST FOR FIRST-YEAR VALUE

United℠ Business Card

on Chase's secure site

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BEST FOR FIRST-YEAR VALUE

United℠ Business Card

on Chase's secure site

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Rewards Rate

2X Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1X Earn 1 mile per $1 spent on all other purchases.

Intro offer

75,000 Bonus Miles

Annual fee

$0 Intro for the First Year. $99 After

Regular APR

20.99% - 27.99% Variable

Recommended credit

Good to Excellent (670 – 850)

- 2X Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1X Earn 1 mile per $1 spent on all other purchases.
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 two-tiered 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.
Pros

Earn a huge first-year payout with the welcome offer. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

For a modest annual fee, the card comes with a nice set of airline perks not found with general-purpose business cards.

Cons

Offers free checked bag but only for you and one companion. Other business cards offer this perk for you and four (or more) passengers

No introductory APR offer and a high penalty APR if you make a late payment make this a poor card to use if you don’t intend to pay your balance in full every month
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for Hilton Hotel loyalists

The Hilton Honors American Express Business Card

on American Express's secure site

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Best for Hilton Hotel loyalists

The Hilton Honors American Express Business Card

on American Express's secure site

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See Rates & Fees , Terms Apply

Rewards Rate

12X 12X at hotels & resorts in the Hilton portfolio.
6X 6X on Select Business & Travel Purchases.
3X 3X on all other eligible purchases. Terms & Limitations Apply.

Intro offer

Earn 165,000 Points

Annual fee

$95

Regular APR

20.49% - 29.49% Variable

Recommended credit

Good to Excellent (670 – 850)

- 12X 12X at hotels & resorts in the Hilton portfolio.
- 6X 6X on Select Business & Travel Purchases.
- 3X 3X on all other eligible purchases. Terms & Limitations Apply.
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.
Pros

The sign-up bonus, boosted rewards rates for business and travel purchases and complimentary Hilton Honors Gold Status make this a top hotel rewards cards

Earns boosted points in several categories at once and offers the chance to earn multiple free night rewards from Hilton Honors.

Cons

The card’s $95 annual fee can be hard to justify if you don’t stay at Hilton hotels and take advantage of as many perks as possible

Hilton points are not valued as high as other reward programs’ points, making this a poor choice for general business purchases if you aren’t a Hilton loyalist
- Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

BEST FOR CHOICE OF CASH BACK CATEGORY

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

on Bank of America's secure site

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BEST FOR CHOICE OF CASH BACK CATEGORY

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

on Bank of America's secure site

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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% 1% unlimited cash back on all other purchases.

Intro offer

$300

Annual fee

Regular APR

16.74% - 26.74% Variable APR on purchases and balance transfers

Recommended credit

Excellent (740 – 850)

- 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% 1% unlimited cash back on all other purchases.
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.
Pros

This card does not charge an annual fee.

There’s a 0% intro APR on purchases for 9 billing cycles then 16.74% to 26.74% variable APR

Cons

There is no intro APR offer on balance transfers.

There is a spending cap on your highest earning categories up to $50,000 in combined choice category and dining purchases each calendar year, then 1 percent.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards - as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional features

Purchase intro APR

0% Intro APR for 9 billing cycles for purchases

Balance transfer intro APR

N/A

BEST FOR NO ANNUAL FEE

Capital on Tap Business Credit Card

on Capital On Tap's secure site

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BEST FOR NO ANNUAL FEE

Capital on Tap Business Credit Card

on Capital On Tap's secure site

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