Best Business Credit Cards

Whether you own a small business, midsize business or a large business; every penny you spend counts. Business owners often baffle with the financial aspects and to qualify for credit. When it comes to making the most out of business it is a wise idea to get a Business Credit Card. Using a business credit card would be incredibly rewarding for your business. These cards offer an array of benefits like cash backs, loyalty points, travel insurance & protection, and expense management. Evaluating the right credit card for your business can be a tedious process. To help you, we have chosen the best credit cards that align well with your business needs & requirements. Now the ball is in your court, go pick the right business credit card for you!

Best Picks For Business Credit Cards

Best for membership rewards

American Express® Business Gold Card

Rewards & Perks
  • Get 4X membership rewards points on 2 select categories where you spend the most each month.
  • Earn 35,000 rewards points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
  • Get 25% points back, after you book a flight using Pay with Points.

35,000 Membership Rewards® points

15.24% – 23.24% Variable

$5 or 3% of the amount of each transfer, whichever is greater.

$295 annual fee

  • The best card to meet business needs. 
  • 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar.
  • There’s no limit to how many points you can earn, and no expiration date for the points to redeem.
  • The Pay Over Time option on the Card lets you carry a balance with interest on purchases of $100 or more.

No foreign transaction fee, use your card anywhere in the world. 

Best for small businesses

Capital One® Spark® Cash for Business

Rewards and Perks
  • Earn a one-time $500 bonus when you spend $4,500 in the first 3 months from account opening.
  • Get unlimited 2% cash back and you could be putting thousands of dollars back into your business.

$500 cash bonus

18.49% (Variable)

None

$0 intro for first year; $95 after that

  • Get cash back rewards for any amount at any time with no expiration date for the life of the account.
  • Add employee cards for free and earn all the rewards from their purchases.
  • Get a custom, itemized spending report to simplify planning, budgeting and taxes.
  • This card covers you with zero fraud liability if your card is lost or stolen. 

Make purchases outside of the US with zero transaction fees.

Best for cash back and no fee

Discover it® Business Card

Rewards and Perks
  • Unlimited 1.5% Cash Back – Earn 1.5% cash back on every dollar spent on all purchases.
  • Double cashback rewards for the first year.
  • 100% US based customer service.

Cashback Match

14.49% to 22.49% Variable

No balance transfer fee

$0

  • Simple and smart card built for your business to thrive.
  • Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
  • Add free employee cards with spending limits and earn rewards for all their purchases.
  • $0 Fraud Liability Guarantee – you’re never held responsible for unauthorized purchases on your Discover card.

No foreign transaction fee.

Best for business startups

Brex Corporate Card for Startups

Rewards and Perks
  • 7X rewards on rideshares- Uber, Lyft, taxi, scooter. However you want to get there, you’ll earn points on every ride.
  • 4X rewards on brex travel – Book flights and hotel stays with Brex and redeem rewards points for travel.
  • Earn 3X points on restaurants.
  • Earn 2X points on recurring software.

30,000 Brex Rewards points

 

N/A

Balance transfer intro APR: N/A

Up to $60 annual fee

  • Earn 1X points on everything- Earn points for all your spend, including big ticket items like digital ads and servers.
  • No personal guarantee and instant card access.
  • You’re never liable for unauthorized transactions. Secure  account with 24/7 fraud monitoring.
  • Take your card anywhere—it’s part of the World Elite Mastercard® program and accepted in over 200 countries.

No foreign transaction fee

Best credit card for employee use

Wells Fargo Business Elite Signature Card®

Rewards and Perks
  •  Earn 1.5% cash back on every $1 spent.
  • Receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period.
  • Get a $1,000 cash back bonus or 100,000 bonus points if you spend $25,000 in net purchases in the first three months of account open date.

One-time $1,000 cash back bonus or 100,000 bonus points

 

9.24% Variable APR on purchases

Balance transfer APR – N/A

$125 Annual fee (waived first year)

  • This card is suitable for or businesses with annual sales over $1 million.
  • Travel incidental fee Reimbursement: up to $100 per calendar year per company.
  • Supports up to 200 employee cards and no additional card fees.
  • Get a 10% point credit when you redeem points online.

No foreign transaction fee.

Best for Amazon purchases

Amazon Business Prime American Express Card

Rewards & Perks
  • Earn up to $225 in savings with the Amazon Business Prime American Express Card. 
  • Get 5% cash back at Amazon, AWS, and Whole Foods
  • Get 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
  • Get 1% Back on other purchases.

Up to $225 back

 

15.74% – 23.74% Variable APR on purchases

Transfers are not allowed

No annual  fee

  • On each purchase, choose 5% back or 90-day terms at Amazon & Whole Foods.
  • Free employee cards include purchase controls
  • If short-term cash flow is an issue, you have the option to swap the 5% back for 90-day 0% APR financing on any purchase.

The Citi Double Cash card charges a foreign transaction fee of 3%.

Best for American flights

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Rewards and Perks
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • 25% savings on American Airlines inflight Wi-Fi.
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases

65,000 American Airlines AAdvantage® bonus miles

17.49% – 26.49% (Variable)

Either $5 or 3% of the amount of each transfer, whichever is greate

$99, waived for first 12 months

  • Earn 2 AAdvantage® miles – per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile – for every $1 spent on other purchases.
  • Personal Business Assistant for 24/7 help with travel, hotel and dining arrangements.
  • First checked bag free on domestic itineraries to reduce travel costs.

No foreign transaction fee

Best card for flat-rate travel rewards

Capital One® Spark® Miles for Business

Rewards and Perks
  • Earn 50,000 miles when you spend $4,500 in the first 3 months from account opening.
  • Get unlimited 2X miles on every purchase with your business credit card.

50,000 bonus miles

18.49% (Variable)

 

No balance transfer fee

$0 intro for first year; $95 after that

  • No blackouts or seat restrictions and no minimum to redeem.
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel.
  • Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to the card’s travel partners. 
  • Pick your own monthly due date. Your business has the control to pay when you want

Pay zero foreign transaction fees on purchases made outside of the United States.