Best Business Credit Cards of 2020 | CompareCredit.com

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Best Business Credit Cards

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Ink Business Unlimited® Credit Card

(39 reviews)

  • 0% Intro APR on Purchases 12 months
  • Unlimited 1.5% cash back on every purchase made for your business
  • $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Capital One Spark Cash for Business

(14 reviews)

  • 2% Cash Back for your business on every purchase, everywhere
  • $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
  • Free employee cards and no foreign transaction fees
  • $0 intro for first year; $95 after that
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Ink Business Cash® Credit Card

(20 reviews)

  • 0% Intro APR on Purchases for 12 months
  • $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Up to 5% cash back on select purchases
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

See additional details for Ink Business Cash® Credit Card

American Express Blue Business Cash™ Card

  • 0% on purchases for 12 months from date of account opening
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • 13.24% - 19.24% Variable
  • No annual fee
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Capital One Spark Miles for Business

  • 2 Miles per $1 on every purchase, everywhere
  • 50000 Miles once you spend $4,500 on purchases within 3 months from account opening
  • Redeem your miles instantly for any travel-related purchases or transfer to 10+ leading travel loyalty programs
  • $0 intro for first year; $95 after that
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

The Blue Business® Plus Credit Card from American Express

  • 0% on purchases for 12 months from date of account opening
  • 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • 13.24% - 19.24% Variable
  • No annual fee
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply

Ink Business Preferred® Credit Card

(15 reviews)

  • Earn up to 3 points per $1 spent on select purchases
  • 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening
  • No foreign transaction fees & employee cards at no additional cost
  • $95
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

American Express® Business Gold Card

  • 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
  • 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.
  • 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year
  • $295
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases. Terms and cap apply.
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply

The Plum Card® from American Express

  • 1.5% discount when you pay early
  • Take up to 60 days to pay with no interest
  • No foreign transaction fees and no preset spending limit
  • $0 introductory annual fee your first year, then $250.
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.

Business Credit Cards

Whether you run a small local business or a big national operation, using a business credit card can be extremely beneficial and help you save money. Business credit cards come in all shapes and sizes and can offer generous rewards on spending and helpful low interest rates to make operating your business easier. Here are a few things to consider what shopping for a new credit card for your business.

Why You Should use a Business Credit Card

Even if you are a sole proprietor and don’t have any employees, using a dedicated business credit card for your expenses can help you keep things organized and save a lot of headache – any financial expert would tell you that it’s important to keep your personal expenses and your business expenses neatly separated. That way, when it comes time to file taxes or do a business review, you can simply look at the statements from your business credit card and easily see where you spent your money. Many business credit cards come with perks like free employee cards and easy integration with Quickbooks to help streamline your business finances.

Business Credit Cards with Rewards

Just like with personal credit cards, business cards often come with generous rewards rates, sign up bonus, and other ways to earn rewards on your spending. In fact, since many businesses tally up thousands or even tens of thousands of dollars in expenses each month, using the right business credit card could really boost your bottom line with big rewards. There are business cards that offer cash back, travel rewards or points on your spending.

If you’re looking to keep things simple, a flat-rate cash back business credit card might be the best fit for you – earn up to 2% cash back on all your purchases, no matter what you’re spending on. There are also cash back business cards that offer bonus cash back in special spending categories like office supplies, internet and phone services, etc. But if your business frequently takes you on the road, a business credit card with travel rewards might be the best option. Use your travel business credit card to earn rewards miles with your favorite airline or simply build up a bank of points that you can redeem for travel down the road.

Low Interest Business Credit Cards

One of the best perks with business credit cards are the flexible financing options. There are a number of credit cards that offer 0% intro APR on purchases or balance transfers. The zero interest periods can really come in handy if you need to finance a big inventory purchase or simply float expenses during the slow season. Some offer 0% intro APR for as long as 12 months – that’s like getting a yearlong loan with no interest.

Business Credit Cards – The Bottom Line

There is a long list of reasons to use a business credit card for your everyday business purchases. In addition to the simplicity of streamlining your business finances, you can earn rewards for everyday purchases or enjoy the flexibility of low interest rates. Take a look at the business credit cards above and select the one that is the best fit for you. Apply securely online today and start saving!