Just because these business credit cards are small, doesn't mean their rewards are too. From 0% Intro APR to huge sign-up bonuses, your business could benefit from the cards on this list.
on Chase's secure site
Best for: Most Business Owners
Running a business is complex—your credit card shouldn’t be. With the Ink Business Unlimited® Credit Card, you’ll earn unlimited 1.5% cash back on every purchase made for your business—no rotating categories, no tracking limits, and no hassle. It’s simplicity that lets you focus on growing your business.
Need flexibility to invest in your next big opportunity or manage your cash flow? Take advantage of a 0% Intro APR on Purchases for 12 months—perfect for floating business expenses or funding expansion plans. After the intro period, enjoy a competitive 16.74% - 24.74% Variable APR.
And here’s the kicker: earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening. That’s money you can put right back into your business. All this comes with a $0 annual fee—so every dollar you earn or save stays with your business.
It’s easy to see why this card is a favorite among business owners. Don’t wait—apply today and start earning rewards that work as hard as you do.
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.
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: 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: Large Expenses and Everyday Purchases
The American Express Blue Business Cash® Card turns everyday purchases into cash back. This popular no annual fee card from our partner American Express offers 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
In addition to the generous cash rewards, you can earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Coupled with an intro APR of 0% on purchases for 12 months from date of account opening, followed by a 16.74% - 28.49% Variable APR thereafter, this card is a no-brainer for business owners.
on Chase's secure site
Best for: Up to 5% Cash Back
The Ink Business Cash® Credit Card offers 0% Intro APR on Purchases for 12 months (16.74% - 24.74% Variable APR thereafter), the ability to earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening, and a $0 annual fee. However, it provides different options for earning cash back.
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 card purchases with no limit to the amount you can earn. If your business spends a lot at office supply stores and on internet, cable, and phone services then this is the card for you.
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 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 16.74% - 28.49% Variable APR.
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 American Express' secure site
Terms Apply
Best For: Business Travelers
The Business Platinum® Card from American Express is in a class of its own. Don't let the annual fee of $895 drive you away. This card, from our partner, has a long list of perks and rewards that are unmatched. For starters, new cardholders can apply and find out your welcome offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
Our partners at American Express created the rewards especially geared toward travel perks—earn 5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. 1X points on other eligible purchases. Additionally, enjoy perks like a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals (enrollment required). The Business Platinum® Card from American Express also offers access to the American Express Global Lounge Collection®. This offer is well worth looking deeper into!
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.
