The 11 Best Business Credit Cards

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Before investing, consider your investment objectives and the fees and expenses charged. To learn more, read our full review gym bookkeeping of the Capital One Spark Miles for Business. These points can be redeemed for travel via Chase Travel at up to 1.75 cents apiece, depending on the specific redemption with Points Boost, or transferred to one of Chase’s partners for the best value. You’ll also receive numerous travel and shopping protections and cellphone insurance.

Best for LLCs with big budgets (no preset spending limit)

Otherwise, I think another card is a better option, given the Amex Business Gold’s fairly high annual fee, though the card has a great welcome offer. But you may also want to consider other options if you frequently find yourself traveling for business. Many of the cards Redditors recommend are featured in our guide to the best business credit cards for travel.

• The Ink Business Preferred® Credit Card is our pick for the best small business credit card.
• If you keep your credit utilization at a manageable level and pay your bills on time, your small-business credit card could improve your business credit score — or improve your personal credit score if you went that direction.
• Revolut provides both physical and virtual corporate debit cards, which can be easily requested through the app.
• The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match).
• There is no cost to add employee cards, and you’ll get a handful of useful insurance protections.
• Additionally, the top cash-back business credit cards may feature perks such as 0% introductory APR periods, no annual fee and even cellphone insurance.

American Express Business Gold Card: Best For Custom Rewards

The Ink Unlimited earns 1.5% back on all purchases, but you can redeem these as transferable Ultimate Rewards points if you have other eligible Chase credit cards, such as the Chase Sapphire Preferred® Card. If you’re looking for a lower annual fee or a card that earns bonus points on more purchase categories (not just your top two per month), consider the Ink Business Preferred® Credit Card. You’ll earn 3 Chase Ultimate Rewards points per dollar spent on travel, shipping, select advertising purchases and internet, cable and phone services (on up to $150,000 in annual combined purchases, then 1 point per dollar). If you have a business banking relationship with Capital One, consider the Capital One Venture X Business card. It comes with a lower annual fee and access to 1,300 lounges worldwide, including Capital One Lounges. Additionally, it earns at least 2 Capital One miles https://live.newsbrand.mx/?p=33350 per dollar spent on all purchases.

Our pick for mid-tier premium travel: Capital One Venture X Business

• Most credit cards carry a variable APR that will change as interest rates in the economy change.
• If you’re looking for simplicity, the Ink Business Unlimited card may be just right for you.
• The U.S. Bank Triple Cash Rewards Visa Business has a solid rewards offering that is highly competitive with other small business credit cards.
• Start by evaluating whether your business needs a dedicated credit card or a more comprehensive solution like Factorial, which combines HR and financial tools in one platform.
• Plus, using this card boosts your business credit score, allowing you to seek more rewarding cards in the future.
• Earn unlimited 2.5% cash back on individual purchases worth $5,000 or more, a notable improvement on the card’s baseline 2% cash-back rate on smaller purchases.

The rewards can boost your earnings even further and getting approved might be easier than you think. You don’t need to work in a traditional office building, own a store or warehouse, run a profitable business or even have a separate business entity to qualify for a business credit card. Sole proprietors can qualify for business credit cards using their Social Security number (SSN) as their business identification, although you can also use an employer identification number (EIN). In fact, 99.9 percent of all businesses (34.8 million) in the United States are small businesses, according to a March 2024 report by the Small Business Administration. The Blue Business Plus Card from American Express offers a solid earning rate of 2 Membership Rewards points per dollar spent on the first $50,000 in purchases each calendar year, then 1 point per dollar. If your small business spends less than $50,000 each year in purchases, the Blue Business Plus can be a good no-annual-fee option that provides an effective 4% return on spending, based on TPG’s valuations of Amex points.

Regular APR

Some issuers simply require you to submit a valid Social Security number and affirm in writing that you’ll use the card exclusively what is a business credit card for business purposes. The Capital One Spark Miles for Business is an excellent option for small business owners who travel frequently. With 2X miles on every purchase and 5X miles on hotel and rental car bookings through Capital One Travel, this card offers fantastic travel rewards without the hassle of tracking categories. The Amex Business Gold can make a lot of sense for some businesses, while it makes less sense for others. This is the Amex business card with the best bonus categories, so if you spend a lot in at least two of those categories, I’d say the Amex Gold is an excellent card to apply for.