Skip to Main Content

Best business credit cards of November 2024

Updated November 02, 2024

Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.

Filter by

Showing 19 results

Limited Time Offer

Best for large welcome offer

Ink Business Unlimited® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn $900 bonus cash back

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 23.99% Variable

Why you'll like this: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.

Best for annual cash bonus

Capital One Spark Cash Plus

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.7
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$2,000 cash back

Rewards Rate

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you'll like this: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.

Best for flexible travel redemption

Ink Business Preferred® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn 90,000 bonus points

Rewards Rate

1X - 3X

Annual fee

$95

Regular APR

20.74% - 25.74% Variable

Why you'll like this: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.

Best for no balance transfer fee

Capital One Spark Cash Select

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$500 cash back

Rewards Rate

1.5% - 5%

Annual fee

$0

Regular APR

17.99% - 23.99% (Variable)

Why you'll like this: Its flat rewards rate makes it a great fit if you want a card that offers flexibility and a low-cost balance transfer.

Best for earning rewards on office expenses

Ink Business Cash® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn up to $750 bonus cash back

Rewards Rate

1% - 5%

Annual fee

$0

Regular APR

17.99% - 23.99% Variable

Why you'll like this: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.

Best for travel perks and credits

Capital One Venture X Business

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.9
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

150,000 miles

Rewards Rate

2X miles - 10X miles

Annual fee

$395

Regular APR

N/A

Why you'll like this: This card includes practical, valuable travel perks at a reasonable cost.

Best for building business credit

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

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Bank of America's secure site

Intro offer

$300

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 27.99% Variable APR on purchases and balance transfers

Why you'll like this: You can build your business credit while earning the same rewards as the unsecured version of this card.

Best for reward category flexibility

American Express® Business Gold Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards Rate

1X - 4X

Annual fee

$375

Regular APR

18.99% - 27.99% Variable

Why you'll like this: It has a high-value welcome offer and great airline transfer partners.

Best for no annual fee

The Blue Business® Plus Credit Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

15,000 Membership Rewards® points

Rewards Rate

2X

Annual fee

No annual fee

Regular APR

17.99% - 25.99% Variable

Why you'll like this: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.

Best for large purchases

Ink Business Premier® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

$1,000 Cash Back

Rewards Rate

2% - 5%

Annual fee

$195

Regular APR

Flex for Business Variable APR: 18.99% - 26.99%

Why you'll like this: It’s one of the only business cards that offers a boosted flat rewards rate on large purchases (with no cap).

Best for flat-rate cash back

The American Express Blue Business Cash™ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

$250 statement credit

Rewards Rate

1% - 2%

Annual fee

No annual fee

APR

17.99% - 25.99% Variable

Why you'll like this: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.

Best for United Airlines benefits

United℠ Business Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn 75,000 bonus miles

Rewards Rate

1X - 2X

Annual fee

$0 introductory annual fee for the first year, then $99.

Regular APR

21.49% - 28.49% Variable

Why you'll like this: Its diverse mix of everyday bonus categories makes it easy to earn United miles even without spending a ton on flights.

Best for easy rewards redemption

Capital One Spark Miles for Business

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

50,000 miles

Rewards Rate

2 Miles - 5 Miles

Annual fee

$0 intro for first year; $95 after that

Regular APR

25.74% (Variable)

Why you'll like this: You can earn rewards on any travel spending — not just bookings with a specific airline or hotel brand.

Best for fair/subprime credit

Revenued Business Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
2.7
Bankrate review
Recommended credit score:(300 - 670)
Apply nowLock

on Revenued's secure site

Intro offer

N/A

Rewards Rate

N/A

Annual fee

None

Regular APR

Factor Based

Why you'll like this: It charges few fees and approval is based on your business revenue, not your credit score.

Best for Hilton benefit

The Hilton Honors American Express Business Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 175,000 Bonus Points

Rewards Rate

3X - 12X

Annual fee

$195

Regular APR

20.49% - 29.49% Variable

Why you'll like this: It offers one of the highest rewards rates you can get on Hilton stays.

Best for luxury travel perks

The Business Platinum Card® from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 150,000 points

Rewards Rate

1X - 5X

Annual fee

$695

Regular APR

18.99% - 27.99% Variable

Why you'll like this: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.

Best for potentially high credit limit

Capital on Tap Business Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.5
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital On Tap's secure site

Intro offer

N/A

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 43.99% variable APR

Why you'll like this: It’s a streamlined, straightforward option if you’re looking to unlock purchasing power without sacrificing rewards.

Best for no foreign transaction fee

Capital One Spark Classic for Business

Capital One Spark Classic for Business

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
0.0
Bankrate review
Recommended credit score:(580 - 740)

Intro offer

N/A

Rewards Rate

1% - 5%

Annual fee

$0

Regular APR

30.74% (Variable)

Why you'll like this: It’s a great starter card since it can help you build business credit even with a fair personal credit score.

Best business card for automatic bonus categories

U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
0.0
Bankrate review
Recommended credit score:(670 - 850)

Intro offer

$750

Rewards Rate

1% - 5%

Annual fee

$0 introductory annual fee for the first 12 months, after that $95 per year

Regular APR

21.24% - 26.24% (Variable)

Why you'll like this: It automatically earns 2% wherever you spend most, making it easy to maximize rewards on your key business expenses.

compare
Compare

Comparing Bankrate’s top small-business credit cards

Business Credit Card Rewards & Highlights Intro Offer & APR
Bankrate Review Score
Unlimited 1.5% cash back on business purchases
Intro Offer: Earn $900 bonus cash back
Info Icon
Regular APR: 17.99% - 23.99% Variable

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Unlimited 2% cash back on every purchase

Intro Offer: $2,000 cash back
Info Icon
Regular APR: N/A

4.7 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services
Intro Offer: Earn 90,000 bonus points
Info Icon
Regular APR: 20.74% - 25.74% Variable

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

5% cash back on on hotels and rental cars booked through Capital One Travel

1.5% cash back on all other eligible purchases

Intro Offer: $500 cash back
Info Icon
Regular APR: 17.99% - 23.99% (Variable)

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
5% cash back on internet, cable, phone services and office supply stores (up to $25,000 a year in combined purchases)
 
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
 
Intro Offer: Earn up to $750 bonus cash back
Info Icon
Regular APR: 17.99% - 23.99% Variable

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

10X miles on hotels and rental cars booked through Capital One Travel

5X miles on flights booked through Capital One Travel

2X miles on other purchases

 
Intro Offer: 150,000 miles
Info Icon
Regular APR: N/A

4.9 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site

Unlimited 1.5% cash back on all purchases

Intro Offer: $300
Info Icon
Regular APR: 17.99% - 27.99% Variable APR on purchases and balance transfers

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site

4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Intro Offer: Earn 100,000 points
Info Icon
Regular APR: 18.99% - 27.99% Variable

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

2X points on everyday business purchases (up to $50,000 in purchases per year, then 1x).

Intro Offer: 15,000 Membership Rewards® points
Info Icon
Regular APR: 17.99% - 25.99% Variable

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

5% cash back on travel booked through Chase travel portal

2.5% cash back on purchases over $5,000

2% cash back on all other eligible purchases

Intro Offer: $1,000 Cash Back
Info Icon
Regular APR: Flex for Business Variable APR: 18.99% - 26.99%

3.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

2% cash back on eligible purchases up to $50,000 per calendar year, then 1%

Intro Offer: $250 statement credit
Info Icon
Regular APR: 17.99% - 25.99% Variable

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

2 miles for every dollar spent on United purchases, dining, at gas stations, office supply stores and on local transit

Intro Offer: Earn 75,000 bonus miles
Info Icon
Regular APR: 21.49% - 28.49% Variable

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

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

2X miles on every purchase
Intro Offer: 50,000 miles
Info Icon
Regular APR: 25.74% (Variable)

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site

N/A

Intro Offer: N/A
Regular APR: Factor Based

2.7 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Revenued's secure site

12X points directly with Hilton properties

5X points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year

3X points on all other purchases

Intro Offer: Earn 175,000 Bonus Points
Info Icon
Regular APR: 20.49% - 29.49% Variable

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com

1.5X points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (spending cap applies)

Intro Offer: Earn 150,000 points
Info Icon
Regular APR: 18.99% - 27.99% Variable

4.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Unlimited 1.5% cash back
Intro Offer: N/A
Regular APR: 17.99% - 43.99% variable APR

3.5 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital On Tap's secure site
Image of Capital One Spark Classic for Business
Capital One Spark Classic for Business

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Intro Offer: N/A
Regular APR: 30.74% (Variable)
Image of U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® Card

5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center

2% cash back in the top two eligible categories where you spend the most each month automatically

 

Intro Offer: $750
Info Icon
Regular APR: 21.24% - 26.24% (Variable)

Choosing the best business card for you

Once you know how to get a business card, the next step is choosing the right one based on your business needs and goals. Keep these factors in mind to make the best decision:

  • Pick relevant earning categories: To maximize the value of your business card, choose one that earns rewards where your business spends most. If your business has lots of different spending needs or  you’d rather keep things simple, choose a flat-rate business rewards card that offers at least 1.5X points or miles for all purchases. 
  • Pay attention to redemption value: The value of your rewards can vary based on how you redeem them. Make sure the card you choose offers at least one cent per point or mile for your favorite redemption option. 
  • Compare additional features: Two cards may offer the same rewards, but one might offer additional features that save you money, such as intro APR offers, discounts on tech or travel protections.
  • Mind the fees: Make sure the value you get from the card exceeds any fees you might pay, such as an annual fee or balance transfer fee. Other costs to consider include late fees and penalty APRs.
  • Consider pairing cards: Using multiple business cards allows you to earn rewards at a high rate in several different categories and enjoy a wider variety of perks.

Business credit vs. personal credit

A business credit score applies to businesses rather than individuals and range from 1 to 100, depending on the credit bureau. Business scores are also public and attached to an Employer Identification Number (EIN) rather than a Social Security number.

Building your business credit can be as easy as establishing credit with vendors and suppliers. However, not all lenders report accounts to business credit bureaus, so double-check that yours does. You can check your business credit score at the reporting agencies Dun & Bradstreet, Equifax and Experian, though your may have to pay to see your score.

Lightbulb Icon

Bankrate’s take: Though uncommon, business cards that do not require a personal guarantee exist. However, there’s usually a tradeoff. Instead of providing a personal guarantee, you'll usually need to link a corporate bank account with a large balance, provide proof of significant business profits or offer business assets as collateral.

What people say about business credit cards

Contributors on public forums like Reddit and myFICO®regularly recommended a few specific issuers with top business cards: 

One member of the Reddit r/smallbusiness community noted that deciding on the best card for you, “depends on what you spend money on and what you value (cash back, free travel, or other perks).” 

On the myFICO® Forums, one user noted that Amex cards can be great business tools because “the no pre-set spending limit** offers flexibility.” Travel rewards are another big draw for consumers. For example, Amex business cards that earn Membership Rewards are useful for travel because American Express has a solid network of transfer partners, including top airlines and hotels. Elevated rewards rates on business expenses like advertising can translate into great travel redemptions, a sentiment shared by a handful of commentators. 

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

**No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

How one Bankrate expert uses his business credit cards

Bankrate writer Ryan Flanigan explains his approach to choosing business cards and how he uses them in this overall credit card strategy.

I like business cards because they can do the heavy lifting for me. When I have significant business spending, I know my personal credit won't take a hit, and I'll earn solid rewards. I've been able to keep my credit score in a good place even when I have a large balance on my business cards. It's also very helpful for keeping everything separate and organized once tax season rolls around.

When I'm looking for business cards, I want to see how they work together with other cards I have. For instance, the Amex Business Platinum, Business Gold and Blue Business Plus cards make an amazing team, covering almost every need I have. Also, the Chase business cards can all pool points together, which can make for an excellent points-generating machine. Every card does its job by covering something different. Like in business, when cards work together for me, it makes a great partnership.

— Ryan Flanigan, Writer, Bankrate Credit Cards

Ask the experts: How do business credit cards impact business taxes?


Financial Educator, Debt and Credit

Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases. A tax preparer may use those transactions as they’re working on your bookkeeping or as a means to prepare your taxes. Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan.

Contributor, Personal Finance

For small business owners — particularly single-member LLCs and S-Corps, business cards are an important tool to help track your transactions and keep them separate from your personal expenses. Using business cards to organize expenses really helps me maximize deductions.

Contributor, Credit Cards

A small business’s margins may be slim, and the right business credit card could potentially help. The rewards you earn with business credit cards aren't taxable, so if you maximize them you can earn substantial cash, points or miles. When you use the card exclusively for business expenses, you can also deduct the fees that are associated with these products.

In the news: Rates hold steady in 2024

After months of no change, the Federal Reserve finally lowered interest rates by a half percent in mid-September. 

In a press conference announcing the cut, Federal Reserve Chair Jerome Powell added that additional cuts are tentatively planned for November and December, though similarly measured in size.

Given the slow and steady approach adopted by the Federal Reserve, it is best for small-businesses owners to continue to focus on current credit card rates and look out for 0 percent introductory offers on their business cards.

If you carry a balance on your card, take advantage of business credit cards that offer a promotional APR. During an intro APR period this time, you can often minimize interest charges for 12 months or more, depending on the offer. You can also take advantage of SBA loans, guaranteed by the U.S. Small Business Administration. These government-backed loans cap interest rates, helping to make small business loans more affordable. Several types of SBA loans are available, including options to help business owners with bad credit who struggle to get approved for financing.

*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information about the Capital One® Spark® Classic for Business card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Frequently asked questions about business credit cards

How we assess the best business credit cards

Document Icon
50+
Cards rated
Search Icon
700+
Data points considered
Credit Card Cash Back Icon
10
Spending categories analyzed
Credit Card Reviews Icon
40+
Perks evaluated

When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

Here’s a look at how our rating methodology breaks down for business credit cards:

5
Rating: 5 stars out of 5
Overall Score
  • Value 40%
  • Flexibility 20%
  • Perks 20%
  • Customer experience 20%

We analyzed over 50 of the most popular business credit cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered: