Just because these business credit cards are small, doesn't mean their rewards are too. Check out the business cards our experts recommend to find the one that best meets your business needs. From 0% Intro APR to huge sign-up bonuses, your business could benefit from the cards on this list.
on Capital One's secure site
Best For: Earning Cash Back Without Carrying a Balance
Everyday earning potential makes the Capital One Spark Cash Plus card a great overall option for a business card. The unlimited 2% Cash Back on every purchase without limits or category restrictions is just the beginning. You’ll also earn a massive 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. Note that your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee.
Cardholders can earn $2,000 Cash Back once you spend $30,000 in the first 3 months. If you’re anticipating those kinds of serious business expenses, this card is a sure winner. When you spend at least $150,000 every year with this card, your annual fee of $150 will be refunded. Remember, earning rewards with free employee cards can help you hit all these thresholds that much faster.
on Capital One's secure site
Best For: Easy Cash Back Bonus
We think the combination of a very generous sign-up bonus and the relatively low spend threshold to earn it make the Capital One Spark Cash Select card a serious contender for business owners. The $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening does come with a slight catch. No, there’s no annual fee. However, Excellent credit is recommended. So, if you’ve worked hard to cultivate a higher-than-average credit score, this card could be a great way to cash in.
With the cash back bonus banked, your everyday earning will continue to accrue. Earn unlimited 1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel , and free employee cards sweetens the deal even further.
Just like operating your business, you’re in control with this business card. Since your rewards won't expire for the life of the account, you can choose the best time to redeem them. And when you do, you can redeem those cash back rewards for any amount.
on Capital One's secure site
Best for: High Cash Back + Low Annual Fee
The Capital One Spark Cash card is an excellent option for business owners who want a simple, reliable way to earn cash back. Enjoy unlimited 2% Cash Back on every purchase, with no rotating categories, and 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. A major highlight is the generous welcome offer: Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening. Additional perks include free employee cards and no foreign transaction fees, making this card a great fit for teams on the go. Plus, there’s no annual fee for the first year ($0 intro for first year; $95 after that).
on Capital One's secure site
Best For: Generous Rewards Program
The Capital One Venture X Business credit card presents a compelling choice for businesses looking to streamline their expenses while reaping significant rewards. Cardholders can earn 2 Miles per dollar on every purchase, 5 Miles per dollar on flights and vacation rentals booked through Capital One Business Travel, 10 Miles per dollar on hotels and rental cars booked through Capital One Business Travel. Redeem your miles on flights, hotels, and more. Plus, transfer your miles to any of Capital One's 15+ travel loyalty programs. This flexibility allows businesses to effectively manage their rewards according to their unique priorities.
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening and enjoy up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment.
on American Express' secure site
Terms Apply
Best For: Doubling Your Rewards Points
The big selling point with The Blue Business® Plus Credit Card from American Express, our partner, is that you can automatically earn 2X 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. Terms and limitations apply. Conveniently, if you have another American Express card, your Membership Rewards® points can be combined to easily redeem when you wish.
Like many American Express cards, this one has a nice welcome offer as well — approved cardmembers can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. While we’ve seen bigger offers for some business cards, keep in mind that this one carries no annual fee — a very important factor when adding up a business card’s benefits.
In addition to generous rewards, approved applicants will also get time — a whole year’s worth. The APR of 0% on purchases for 12 months from date of account opening then goes to 16.99% - 28.74% Variable APR.
on Bank of America's secure site
Best for: Dining and Customized Cash Back Categories
This powerful business card from Bank of America gives business owners the ability to choose what spending categories they would like to earn the most cash back in. You earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases. To jumpstart your cash back rewards, new cardholders can earn a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
It also comes with the satisfaction of never having to pay an annual fee. And last, but not least, you can shop for your business without worrying about interest for a time since this card offers 0% Intro APR for 7 billing cycles on purchases, 16.74% - 26.74% Variable APR on purchases thereafter.
on Bank of America's secure site
Best For: Compounding Rewards with a Loyalty Program
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a mouthful, but if you’re willing to stick with it, this long name can earn you seemingly endless rewards. Here’s what we mean. Earn unlimited 1.5% cash back on purchases or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for the highest Preferred Rewards for Business tier!
Like most business cards, this one also offers a solid sign up bonus. You’ll earn a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening. With no annual fee to cancel out any of those rewards, this card is a valuable consideration, especially for Bank of America loyalists. Additionally, a 0% Intro APR for 7 billing cycles on purchases will go to 16.74% - 26.74% Variable APR on purchases after the intro APR offer ends.
Who Should Get These Cards:
As we mentioned from the start, business credit cards aren’t reserved purely for those who have been anointed by an industrial giant. Many issuers are encouraging small business owners, sole proprietors, freelancers, and side-hustlers to apply for these cards to help their varied businesses thrive. In addition to more easily keeping work expenses separate from personal ones, a good business credit card can also build a company’s credit. Just as with personal credit cards, business cards offer unsecured credit, which means there’s no collateral needed. And the icing on the cake (with the right card) could be a big, fat sign-up bonus you can inject right back into your business.
