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Small business credit cards are increasingly popular business financing options, especially for entrepreneurs who don’t qualify for traditional business loans and don’t have access to networks filled with deep-pocketed family members, friends, and colleagues. No matter what your business does, a credit card can probably help—as long as you use credit wisely and avoid making purchases your company can’t afford.
Best Credit Card For Small Businesses
Small business credit cards usually have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personal concierge service and perks. However, many also come with annual fees and require good or excellent credit to qualify.
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These are hands down the best small business credit cards on the market right now. These include a mix of low-interest credit cards, travel rewards credit cards, cash back credit cards and general-purpose rewards cards.
The Chase Ink Business Preferred® Credit Card is a longtime favorite among Chase small business card users. It offers:
When you spend at least $15,000 within 3 months of opening your account, you get 100,000 bonus Ultimate Rewards points. It’s worth $1,000 when redeemed for cash, and $1,250 when used for travel (thanks to Chase’s 25% bonus on all travel redemptions). If you travel a lot for business, it’s hard to resist.
This card’s regular rewards program is equally impressive. The 3x tier is exceptionally generous: cardholders earn 3 points per $1 spent on travel, shipping purchases, telecommunications purchases (such as internet, cable, cell phone bills) and advertising, up to $150,000 in combined spending across those categories in each account birthday year All other purchases earn unlimited 1 point per $1 spent.
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The Chase Ink Business Unlimited® Credit Card is an annual fee-free business credit card that mirrors the Chase Freedom Unlimited® Credit Card, a consumer credit card that also earns unlimited 1.5% cash back.
Ink Business Unlimited earns cash back via Ultimate Rewards points, which can be redeemed for cash, gift cards, travel purchases and general merchandise. The one-two punch of a no-nonsense rewards program and flexible redemption make this the best fixed rate cash back card for business owners, period.
The Chase Ink Business Cash® Credit Card is a popular business credit card with a generous cash back rewards program, solid sign-up bonus and reasonable APR.
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Its generous rewards program offers up to 5x points for every $1 spent on eligible purchases. Your points won’t expire, and you can use them for things you actually want, like gift cards, cash, travel and more. Plus, there’s no annual fee, and you can save up to 25% at 40,000 plus merchants: gas, meals, office supplies, hotels and more with Mastercard Easy Savings
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Products and services are provided by BMO Harris Bank N.A. and is subject to bank and credit approval.
The Business Platinum Card® from American Express is a popular business card that’s great for business travelers in particular, despite the hefty $695 annual fee. (
For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.
The Chase Ink Business PremierSM Credit Card has the best sign-up bonus of any small business credit card on this list: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Best Small Business Credit Cards
And that’s not all you get when you have the Ink Business Premier card in your corner. Additional selling points include:
Revenued offers a unique twist on the traditional business card – one that is potentially game-changing for new small businesses with limited credit history.
Revenue stands for a flexible spending line that grows with your company’s revenue. This is unlike most other business cards, which either impose a rigid spending limit (you have to apply for more spending availability) or require you to pay your statement in full each month.
The GM Business Card™ is a small business credit card that turns purchases into earnings. Use earnings toward a new GM vehicle and no annual fee.*
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See if you’ve been approved without any impact on your credit score. (Accepting a card after your application is approved will result in a hard inquiry, which can affect your credit score.)
Select ‘Apply Now’ to learn more about the product features, terms, conditions and program rules. Subject to credit approval.
Ramp is a simple Visa business credit card that avoids the gimmicks – and limits – of other corporate payment products.
The biggest differentiator is its truly unlimited supply of physical and virtual cards. You will never pay a fee to get another employee card or create a virtual card for this or that recurring subscription. With Ramp, it’s all included in your membership.
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The Delta SkyMiles® Reserve Business American Express Card is a super-premium business travel card designed for frequent flyers who like to travel in style.
Big spenders do especially well with this card. Spend $30,000 on qualifying purchases in a calendar year and you’ll earn 15,000 bonus Medallion Qualification Miles (MQMs) with Status Boost, up to 4 times per year (for a total potential draw of 60,000 bonus MQMs).
And when you spend at least $25,000 on qualifying purchases in a calendar year, you’ll qualify for the Medallion Qualification Dollar (MQD) waiver, making it even easier to climb the Medallion status ranks and earn coveted Delta perks.
Medallion status is quite complicated. If you’re new to the ranks of Delta frequent flyers, check out this primer on the Delta Medallion program.
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For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a premium business cash back credit card that earns up to 3% cash back on eligible net gas station, EV charging station, office supply store, restaurant and cell phone or carrier purchases and 1% cash back on all other eligible purchases.
But the real headliner here is an unusually long 0% APR introductory promotion on purchases and balance transfers. This promotion extends over the first 15 billing cycles your account is open. After that variable regular APR applies, currently 18.24% to 27.24%.
The Marriott Bonvoy Business® American Express® Card is the business version of the Marriott Bonvoy Brilliant American Express Card, and the best business credit card overall for business travelers who frequently stay in hotels.
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Eligible purchases at participating Marriott Bonvoy hotels earn 6 points per $1 spent. Eligible purchases made at restaurants worldwide, US gas stations, on wireless telecommunications purchases made directly with US carriers, and US shipping purchases earn 4 points per $1 spent. All other qualifying purchases earn 2 points per $1 spent.
You can redeem accumulated Bonvoy points for free nights at participating Marriott Bonvoy hotels. All cardholders in good standing enjoy complimentary Marriott Bonvoy Gold Elite status and one free night award each year after your account anniversary at participating Marriott Bonvoy hotels with redemption levels of or less than 35,000 points per night.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, please visit this rates and fees page.
We use several important factors to evaluate small business credit cards. Those who score the highest on an acceptable mix of factors deserve a spot on this list.
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Some are fine with applicants using their personal credit scores to apply, provided they personally guarantee the account. This is explained in more detail below.
Other small business credit cards require applicants to have a business credit score before applying. This is something of a catch-22 for new businesses, as it is difficult to build credit without a credit history. But there are ways to do it.
More selective small business credit cards typically also have minimum income and time-in-business requirements. These standards remove new and/or unprofitable businesses.
If you’re applying for your first small business credit card, you’ll probably need to choose one that accepts a personal guarantee. It’s your ticket into the business credit card world and can help you build business credit over time, but beware – if your account goes into arrears, your personal credit can suffer.
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Many of these cards offer bonus rewards for new cardholders. Typically, these sign-up bonuses — also known as welcome offers or early spend bonuses — require hefty upfront spending.
But it’s no sweat for capital-intensive businesses. So, all else being equal, we prefer business cards with attractive sign-up bonuses.
Carrying a credit card balance is never ideal, but sometimes you have no choice. Especially if you’re building a business and watching absolutely every penny.
With that in mind, we prefer small business cards with low regular interest rates and long 0% APR introductory promotions. The latter is not so
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