Best Small Business Credit Cards

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With the Ink Business Preferred Credit Card, you’ll earn 3x points on many different types of purchases. These include travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines. This 3x points multiplier applies to $150,000 in combined purchases every calendar year. After you reach $150,000, you’ll earn 1x points like you do on all other purchases.

The Ink Business Preferred Credit Card comes with a welcome bonus offer of 100,000 points if you use your card for $15,000 on purchases within your first three months as a cardholder. Points are available to transfer to a variety of travel programs, but they’re worth 25% more when redeemed directly through Chase Ultimate Rewards. When using the card, cardholders also have access to certain travel and purchase protections, such as rental car insurance. The card has a $95 annual fee and no foreign transaction fees.

Why We Like It

You’d be hard pressed to find a business card on the market that offers a better welcome bonus offer than the 100,000 points you can earn with the Ink Business Preferred Credit Card. This bonus, coupled with the fact that you’ll earn 3x points on a variety of purchases, ensures that you can build up a sizable stash of Chase Ultimate Rewards points. Add in the card’s generous travel and purchase protections, along with the fact that the annual fee is a relatively manageable $95 and it’s easy to see why this is our top pick for a small business credit card.

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The Blue Business® Plus Credit Card from American Express, boasts a 0% introductory APR period that applies to all purchases over your first 12 months with the card. For context, this is one of the best offers out there for a business card with a rewards program. After this introductory offer expires, your variable rate will be 15.49% to 23.49%, depending on your creditworthiness.

With this card, cardholders can earn 2x points on up to $50,000 in purchases each calendar year. All other purchases, and other purchases beyond that $50,000 limit, earn 1x points. Membership rewards points can be redeemed for a variety of purposes, including travel. There is no annual fee for this card and extra employee cards come at no extra cost. Terms Apply.

Why We Like It

The Blue Business® Plus Credit Card from American Express, is a great option for any business looking to take advantage of a 0% intro APR rate on purchases. By adding a solid rewards system on top, the card becomes an even better choice. Make sure you take full advantage of the offer to earn 2x points on the first $50,000 in purchases each year. If you can do so, the rewards benefits for this card will prove to be much better than most of the competition.

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The Capital One Spark Cash Plus is a simple card that lets you earn cash back for your business. The card earns unlimited 2% cash back on all purchases, and cardholders can also earn up to $1,000 as an early spend bonus. You will earn $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months with the card. Plus, you’ll earn an additional $200 in cash back after spending $200,000 on the card in a calendar year. The card has a $150 annual fee now, and it’s important to note that it’s a charge card. That means you won’t be able to carry a balance like you can with traditional credit cards.

Why We Like It

If you’re looking to get money back for purchases rather than rewards, the Capital One Spark Cash Plus, could be well worth it. However, you still have the option to convert your cash back to Venture miles or Spark miles, so you’ll have plenty of options. While some other business cards offer the 2% cash back rate this one does, these rates can sometimes be capped at a certain amount every year, leaving you with less value once you’ve hit the limit. This card, on the other hand, offers unlimited 2% cash back, so there’s no need to keep track of a limit. While there’s a $150 annual fee for this card, the early spending bonus opportunity can cover almost seven years of annual fees. And with the opportunity to earn a $200 bonus when you spend $200,000 on the card in a calendar year, you can earn at an even higher rate than usual. The Capital One Spark Cash Plus is a great cash back option for any business.

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The Brex for Small Businesses, is interesting because, unlike most credit cards, it doesn’t require a hard credit check for approval. Instead, the issuer looks at your business’ finances as a whole, taking into account factors like its revenue streams, investors, profitability, cash balances and anything else that could determine how likely you are to repay your balance. There’s no security deposit needed either.

The Brex Card is only available to businesses who have $50,000 if professionally invested or $100,000 balance in a company bank account if not. You’ll also receive signup offers worth thousands of dollars from companies like Salesforce, AWS and Slack. The card also helps you build your business’ credit, even though you don’t need a hard credit check for approval.

The benefits don’t stop there, though. The card earns 7x points on eligible rideshare purchases, 4x points on eligible travel purchases, 3x points at restaurants, 2x points on recurring software subscriptions and 1x points on everything else. Note that you can be approved for an even higher multiplier on all other transactions when you’re approved. Points can be transferred to six partner airlines, though they’re also redeemable directly through Brex. Additionally, credit limits with Brex are typically up to 20 times higher than those of some other business credit cards. The card carries no annual fee or foreign transaction fees.

Why We Like It

Brex offers a unique business credit card. If you have the bank balance to get approved, it should be a great option for those interested in a holistic business package. Not only does the card have a great signup bonus, solid bonus categories and high credit limits, it also does not require an annual fee. Add in that Brex seamlessly integrates with business programs like Quickbooks and it’s easy to hand out and track employee cards, and you’ll see why it’s seen as one of the best cards on the market for startups.

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The Business Platinum Card® from American Express earns cardholders 5x points on airfare and hotel purchases made through amextravel.com. Most other eligible purchases earn 1x points, though some purchases earn 1.5x points on eligible purchases at electronic goods retailers and software & cloud system providers, US construction material & hardware suppliers, and shipping providers, as well as on purchases of $5,000 and up everywhere else, up to $2 million of purchases in these categories per year. The card also features a welcome bonus offer of 120,000 points after you spend $15,000 on qualifying purchases, during your first three months of card membership.

Cardholders can also receive up to $400 in statement credits for U.S. purchases with Dell Technologies each year. The card also boasts up to $200 in airline fee credits each year. You can also get a Global Entry or TSA Precheck® statement credit. (Enrollment is required)

This card grants cardholders access to Amex’s concierge service, Global Lounge Collection and Global Dining Collection. Cardholders also receive complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status (enrollment required). There are no foreign transaction fees, but there is a very high annual fee of $695. Terms Apply.

Why We Like It

While The Business Platinum Card® from American Express has one of the highest annual fees on the market, high-spending businesses with an eye for redeeming points and perks will certainly be able to get a ton of value out of this card. Features such as complimentary Hilton and Marriott elite status and access to Amex private collections can make the card well worth it already. You can also knock the effective annual fee down if you properly take advantage of all of its credits. With the plethora of luxury travel perks combined with the high welcome bonus and high earning rates, it’s easy to see why this card is the best for a business that has executives or employees that travel often.

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With the CitiBusiness AAdvantage Platinum Select Mastercard (a SmartAsset advertising partner), you can immediately earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 on purchases within the first four months following your account’s opening. When you fly American Airlines, you’ll also receive your first checked bag for free, preferred boarding and 25% off in-flight purchases of WiFi when you use your card. If you spend $30,000 or more on the card each cardmembership year and cardmembership is renewed, you will also earn an American Airlines Companion Certificate, which is good for a second ticket on any itinerary you buy for just $99 plus taxes and fees.

The CitiBusiness AAdvantage Platinum Select Mastercard also earns 2x miles on eligible American Airlines purchases, as well as purchases with cable and satellite providers, gas stations, telecommunications merchants and car rentals. All other purchases earn 1x miles. The card has a $99 annual fee, which is waived for the first year, and there are no foreign transaction fees.

Why We Like It

The CitiBusiness AAdvantage Platinum Select Mastercard, is one of the the top co-branded airline business cards on the market today. Not only does it boast solid bonus categories, but you have the opportunity to earn a significant stash of 65,000 miles after spending a reasonable $4,000 over your first four months of having the card. The card’s other perks, including the companion certificate, are more than enough to fully offset or outdo the annual fee.