16 best small-business credit cards of March 2023

Written by
Mariah Ackary
Edited by
Tracy Stewart
Reviewed by
Jason Steele
Edited by
Tracy Stewart
Reviewed by
Jason Steele
Updated March 23, 2023

From the occasional freelancer to those with brick-and-mortar storefronts, all types of small-business owners can benefit from a business credit card. The best small-business credit cards come with generous rewards programs, expense tracking and money-saving perks that can benefit nearly every type of business. Plus, you don’t even need a formal business structure to apply for one. Our experts have reviewed hundreds of options and compared their features to determine the best small-business credit cards of 2023 available from our partners.

Image of American Express® Business Gold Card

Best for flexible rewards

American Express® Business Gold Card
Apply now Lock
on American Express's secure site
4.4 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

70,000 points
Info

Annual fee

$295

Regular APR

18.99% - 26.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for flexible rewards

American Express® Business Gold Card
Image of American Express® Business Gold Card
4.4
Bankrate score
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Intro offer 70,000 points
Info
Annual fee $295
Regular APR 18.99% - 26.99% Variable
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Ink Business Unlimited® Credit Card

Best for unlimited cash back

Ink Business Unlimited® Credit Card
Apply now Lock
on Chase's secure site
4.2 Bankrate review
Info

Intro offer

$750
Info

Annual fee

$0

Regular APR

17.74% - 23.74% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for unlimited cash back

Ink Business Unlimited® Credit Card
Image of Ink Business Unlimited® Credit Card
4.2
Bankrate score
Info
Apply now Lock
on Chase's secure site
Intro offer $750
Info
Annual fee $0
Regular APR 17.74% - 23.74% Variable
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Capital One Spark Miles for Business

Best for general business travel rewards

Capital One Spark Miles for Business
Apply now Lock
on Capital One's secure site
4.3 Bankrate review
Info

Intro offer

50,000 miles
Info

Annual fee

$0 intro for first year; $95 after that

Regular APR

25.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for general business travel rewards

Capital One Spark Miles for Business
Image of Capital One Spark Miles for Business
4.3
Bankrate score
Info
Apply now Lock
on Capital One's secure site
Intro offer 50,000 miles
Info
Annual fee $0 intro for first year; $95 after that
Regular APR 25.24% (Variable)
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Ink Business Cash® Credit Card

Best for bonus categories

Ink Business Cash® Credit Card
Apply now Lock
on Chase's secure site
4.4 Bankrate review
Info

Intro offer

$750
Info

Annual fee

$0

Regular APR

17.74% - 23.74% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for bonus categories

Ink Business Cash® Credit Card
Image of Ink Business Cash® Credit Card
4.4
Bankrate score
Info
Apply now Lock
on Chase's secure site
Intro offer $750
Info
Annual fee $0
Regular APR 17.74% - 23.74% Variable
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Capital One Spark Cash Plus

Best for no-hassle cash back

Capital One Spark Cash Plus
Apply now Lock
on Capital One's secure site
4.7 Bankrate review
Info

Intro offer

Up to $1,000 cash bonus
Info

Annual fee

$150

Regular APR

N/A

Recommended credit

Excellent (740 – 850)
Info
Info
Best for no-hassle cash back

Capital One Spark Cash Plus
Image of Capital One Spark Cash Plus
4.7
Bankrate score
Info
Apply now Lock
on Capital One's secure site
Intro offer Up to $1,000 cash bonus
Info
Annual fee $150
Regular APR N/A
Recommended credit Excellent (740 – 850)
Info
  • 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
Image of The Blue Business® Plus Credit Card from American Express

Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express
Apply now Lock
on American Express's secure site
4.3 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

15,000 points
Info

Annual fee

No annual fee

Regular APR

17.99% - 25.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express
Image of The Blue Business® Plus Credit Card from American Express
4.3
Bankrate score
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Intro offer 15,000 points
Info
Annual fee No annual fee
Regular APR 17.99% - 25.99% Variable
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of New Business Card! Ink Business Premier℠ Credit Card

Best for large purchases

New Business Card! Ink Business Premier℠ Credit Card
Apply now Lock
on Chase's secure site
3.7 Bankrate review
Info

Intro offer

$1,000 Cash Back
Info

Annual fee

$195

Regular APR

Flex for Business Variable APR: 18.74% - 26.74%

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for large purchases

New Business Card! Ink Business Premier℠ Credit Card
Image of New Business Card! Ink Business Premier℠ Credit Card
3.7
Bankrate score
Info
Apply now Lock
on Chase's secure site
Intro offer $1,000 Cash Back
Info
Annual fee $195
Regular APR Flex for Business Variable APR: 18.74% - 26.74%
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Ink Business Preferred® Credit Card

Best for flexible travel options

Ink Business Preferred® Credit Card
Apply now Lock
on Chase's secure site
4.4 Bankrate review
Info

Intro offer

100,000 points
Info

Annual fee

$95

Regular APR

20.49% - 25.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Info
Best for flexible travel options

Ink Business Preferred® Credit Card
Image of Ink Business Preferred® Credit Card
4.4
Bankrate score
Info
Apply now Lock
on Chase's secure site
Intro offer 100,000 points
Info
Annual fee $95
Regular APR 20.49% - 25.49% Variable
Recommended credit Good to Excellent (670 – 850)
Info
  • 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
Image of Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

BEST FOR BANK OF AMERICA LOYALISTS

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now Lock
on Bank of America's secure site
4.1 Bankrate review
Info

Intro offer

$300
Info

Annual fee

$0

Regular APR

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

Recommended credit

Excellent (740 – 850)
Info
Info
BEST FOR BANK OF AMERICA LOYALISTS

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
4.1
Bankrate score
Info
Apply now Lock
on Bank of America's secure site
Intro offer $300
Info
Annual fee $0
Regular APR 16.74% - 26.74% Variable APR on purchases and balance transfers
Recommended credit Excellent (740 – 850)
Info
  • 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
Image of U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Best for frequent business travelers

U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now Lock
on U.S. Bank's secure site
See Rates & Fees

Intro offer

60,000 Bonus Points
Info

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)
Info
Info
Best for frequent business travelers

U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Image of U.S. Bank Business Altitude™ Connect World Elite Mastercard®
0.0
Info
Apply now Lock
on U.S. Bank's secure site
Intro offer 60,000 Bonus Points
Info
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)
Info
  • 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
Image of American Express Blue Business Cash™ Card

Best for startups

American Express Blue Business Cash™ Card
Apply now Lock
on American Express's secure site
4.5 Bankrate review
Info
See Rates & Fees , Terms Apply