Best Small Business Credit Cards

Best for: All Around Business Card

The Ink Business Unlimited^® Credit Card is a top choice in the business cards category for great reason. With this card, you’ll earn unlimited 1.5% cash back on every purchase made for your business and enjoy 0% Intro APR on Purchases for 12 months, 16.74% - 24.74% Variable APR thereafter.

Additionally, you’ll earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. All of this comes with a $0 annual fee.

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 $750 when you spend $6,000 on purchases in the first 3 months after 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.

Best For: Nontraditional Business Card

The Revenued Business Card is tailored for small to medium-sized enterprises, providing a suite of features designed to support business growth and financial management. One of its standout offerings is the flexible credit limit, determined by business revenue rather than personal credit scores, which makes it accessible to a wider range of businesses. The Revenued Business Card eliminates the burden of an annual fee, making it a smart choice for cost-conscious businesses.

Unlike many traditional business cards, the Revenued Business Card focuses on business performance and cash flow rather than relying heavily on personal credit history. This makes it a strong option for startups, growing businesses, or business owners working to build or improve their credit profile. With flexible spending power designed to adapt alongside business revenue, the card can help support everyday operating expenses while giving businesses access to ongoing purchasing flexibility.

Best for: Long 0% Intro Purchase APR

Are you looking for a simple business credit card to earn rewards on purchases and streamline your business finances? Then the U.S. Bank Triple Cash Rewards Visa^® Business Card could be the perfect fit for you. With an ongoing rewards rate of 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card, 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs), and 1% cash back on all other eligible purchases, this card offers the opportunity for business owners to earn cash back on all eligible business purchases!

Additionally, cardholders are offered a lucrative sign up bonus: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. The U.S. Bank Triple Cash Rewards Visa^® Business Card also has a lengthy intro APR of 0% intro on purchases for 12 billing cycles and 0% intro on balance transfers for 12 billing cycles, 17.49% - 26.49% Variable thereafter, as well as a $0 annual fee.

Best for: Business Owners on the Go

The Capital One Venture Business card offers 2 Miles per $1 on every purchase, everywhere, 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel. You can also earn a one-time bonus of 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

This card does come with an annual fee of $95, but if you travel often enough for business, this is the card for you.

Best for: High-Revenue Businesses

The Capital One Spark Cash Plus card is the perfect choice for established businesses that are looking to take their finances to the next level. This stellar card has an unmatched cash back offer, but business owners will need Excellent Credit and a high top-line business revenue in order to qualify.

If that sounds like you, then this impressive card from Capital One is a no-brainer. For starters, it comes with an enormous bonus offer: Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year . There is an annual fee of $150, but you can easily offset that by earning unlimited 2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. You can even compound your cash with free employee cards, which also earn unlimited rewards on all purchases!

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. If your business already has a strong financial footing, then look no further – this offer is hard to beat!

Best For: Large Sign Up Bonus and Cash Back

Business owners searching for unlimited cash back AND a large sign up bonus should look no further than the Capital One Spark Cash Select card. Designed with busy cardholders in mind, it has a simple no-rotating-category rewards rate of 1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel. One of the biggest selling points of this card for us is the large sign up bonus. Cardholders can earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening. Not all business cards offer such a large sign up bonus. Plus, this card has no annual fee!

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).

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.

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.