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Business charge cards give companies the power to spend without credit limits. But your balance must be paid in full each billing cycle — and the fee for missing a payment can be substantial. Still, if you have a large operating budget and consistent cash flow, opting for a business charge card could net you impressive rewards and bonuses. Here are our picks for the best business charge cards:
- Best overall business charge card:Capital One Spark Cash Plus.
- Best charge card for startups:Brex Card.
- Best charge card for flexible payments:Ink Business Premier® Credit Card.
Business charge cards typically have no preset spending limit and must be paid in full every day, week or month, depending on your billing cycle. Business credit cards, on the other hand, have a set credit limit and allow cardholders to carry a balance (with interest charges).
Who should consider a business charge card? Businesses with high recurring costs and regular, reliable cash flow are good candidates for a business charge card. These companies can take advantage of unlimited spending potential without sweating the payment. (Note: Some charge cards let you pay for certain purchases over time.) Charge cards like Brex and Ramp can also be a good fit for incorporated companies that want a corporate charge card with no personal guarantee or annual fee.
Who should consider a business credit card? Companies that need a little flexibility — to finance purchases or cover the gap between revenue and operating expenses — should opt for a business credit card over a charge card. Businesses with lower annual spending (less than $50,000 per year) can also net comparable rewards with a business credit card, minus the annual fee or rigid payment requirements typical of a charge card.
The American Express Blue Business Cash™ Card
, for example, earns 2% back on the first $50,000 spent each year and has no annual fee. 250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
While all of our picks for best business charge cards are chosen by our editorial team without outside input, the cards highlighted below are those that are available from our partners. You can jump to our full editorial picks section for our complete list of best business credit cards, including those not available through NerdWallet.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Business charge cards give companies the power to spend without credit limits. But your balance must be paid in full each billing cycle — and the fee for missing a payment can be substantial. Still, if you have a large operating budget and consistent cash flow, opting for a business charge card could net you impressive rewards and bonuses. Here are our picks for the best business charge cards:
- Best overall business charge card:Capital One Spark Cash Plus.
- Best charge card for startups:Brex Card.
- Best charge card for flexible payments:Ink Business Premier® Credit Card.
Business charge cards typically have no preset spending limit and must be paid in full every day, week or month, depending on your billing cycle. Business credit cards, on the other hand, have a set credit limit and allow cardholders to carry a balance (with interest charges).
Who should consider a business charge card? Businesses with high recurring costs and regular, reliable cash flow are good candidates for a business charge card. These companies can take advantage of unlimited spending potential without sweating the payment. (Note: Some charge cards let you pay for certain purchases over time.) Charge cards like Brex and Ramp can also be a good fit for incorporated companies that want a corporate charge card with no personal guarantee or annual fee.
Who should consider a business credit card? Companies that need a little flexibility — to finance purchases or cover the gap between revenue and operating expenses — should opt for a business credit card over a charge card. Businesses with lower annual spending (less than $50,000 per year) can also net comparable rewards with a business credit card, minus the annual fee or rigid payment requirements typical of a charge card.
The American Express Blue Business Cash™ Card
, for example, earns 2% back on the first $50,000 spent each year and has no annual fee. 250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
While all of our picks for best business charge cards are chosen by our editorial team without outside input, the cards highlighted below are those that are available from our partners. You can jump to our full editorial picks section for our complete list of best business credit cards, including those not available through NerdWallet.
Here are the best business charge cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Charge card with flexible payments Ink Business Premier® Credit Card Apply now on Chase's website | 4.7/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Overall business charge card Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Corporate charge card Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Charge card for startups (no personal guarantee) Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Spend management tools BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 3.6/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
I'M INTERESTED IN:
Our pick for
Charge card with flexible payments
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
You get a huge welcome offer and a cash back boost on larger purchases, plus some flexibility to finance big-ticket items if needed.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Overall business charge card
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
- Earn a one-time cash bonus of $2,000 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. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Corporate charge card
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
This corporate charge card comes with business-friendly features like spending controls and receipt matching, and it’s easier to qualify for than other corporate charge cards. Plus, there’s no personal guarantee or credit check.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Charge card for startups (no personal guarantee)
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex is designed specifically for startups and delivers its higher rewards on ride shares, software subscriptions, Apple product purchases and select travel. Because it is a corporate card, there is no personal guarantee or credit check.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Our pick for
Spend management tools
BILL Divvy Corporate Card
Read Review
Apply now
on BILL Spend & Expense's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
The potential for a high credit limit (up to $15 million) and a robust spend management platform set the BILL Divvy Corporate Card apart from other corporate charge cards.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
NerdWallet's editorial picks: Best business charge cards
Capital One Spark Cash Plus
Best for: Overall business charge card
NerdWallet star rating:
4.9
The
Capital One Spark Cash Plus
is a straightforward business charge card — there’s no option to finance select purchases — that gives you unlimited 2
% cash back on all purchases, with no bonus categories to track or spending caps to worry about. Big spenders can offset the $150
annual fee (and then some) with the stellar bonus offer for new cardholders: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
Keep in mind that the annual fee could also be a deductible business expense. (See rates and fees.) Learn more and apply.Ink Business Premier® Credit Card
Best for: Flexible payments
NerdWallet star rating:
4.7
The
Ink Business Premier® Credit Card
has an eye-popping welcome bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
You’ll also get a cash-back bonus on big-ticket purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
Plus, there’s an option to finance qualified purchases of $500 or more, up to a set limit. Learn more and apply.Brex Card
Best for: Charge card for startups
NerdWallet star rating:
4.3
Brex Card
rewards loyalty, as businesses that use the card exclusively earn the best rewards, including bonuses on startup expenses like recurring software charges and select purchases from Apple. Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors, so business owners don’t have to personally guarantee the debt on the card. And the card has two payment options: daily or monthly. If approved for a Brex card, you get instant access to a virtual card so you can start earning rewards immediately. Learn more and apply.Ramp Card
Best for: Corporate charge card
NerdWallet star rating:
3.6
The
Ramp Card
does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee. Learn more and apply.BILL Divvy Corporate Card
Best for: Spend management tools
NerdWallet star rating:
3.6
The
BILL Divvy Corporate Card
offers solid rewards, particularly to businesses that opt for a weekly payment schedule, paying out up to 7x points on restaurants and 5x points on hotels. But where BILL Divvy Corporate Card
really shines is its spend management platform. Bill offers unlimited employee cards (virtual and physical) and empowers business owners with card-level controls, including the ability to set budgets and automatically categorize spending. Bill's rewards structure is more complicated than most charge cards, though. And while you start accruing points on day one, you can't redeem them during your first year. Learn more and apply.Business charge cards: Pros and cons
Pros
No preset spending limit.
Higher rewards for higher spending.
Cons
Little to no wiggle room on payments.
High late fees.
High annual fees.
A business charge card can have distinct advantages for entrepreneurs — namely, no cap on spending. But there are trade-offs, including the potential for steep late payment penalties.
Pros
- No preset spending limit: Businesses looking for a high-limit business credit card won’t be constrained by a credit limit with a business charge card. Note: Corporate charge cards, including Ramp and Brex, do cap your spending limit. And charge cards that allow you to pay over time on select purchases, like theInk Business Premier® Credit Card, set a credit limit for financed purchases.
- Higher rewards for higher spending: More purchasing power equals more opportunities to earn rewards. Many of the best business charge cards allow you to rack up unlimited rewards, where other cash-back business credit cards cap what you can earn. And the Ink Business Premier and Spark Cash Plus both give you extra incentive to charge more, with bonuses and cash back boosts for big spending. Want a regular business credit card that doesn’t cap your cash back? Check out theInk Business Unlimited® Credit Cardor theWells Fargo Signify Business Cash℠ Card.
Cons
- Limited wiggle room: Business charge cards offer a lot of spending leeway but minimal breathing room if your business has cash flow issues. A late payment can impact your business credit score, and serious delinquencies may also affect your personal credit. Ramp and Brex both automatically debit payments from linked bank accounts, and Brex may zero out your credit limit if a scheduled payment fails. (Note: Ramp and Brex are corporate cards. Missed payments on these cards impact your business credit, not your personal credit.)
- High late fees: A missed payment on your business charge card can also lead to a hefty late fee — up to 2.99% of your outstanding balance, depending on your card. Miss a payment with a balance of $5,000? That could be a $149.50 late fee. On a $10,000 balance? $299. Most business credit cards charge a flat late fee, which is rarely more than $40.
- Annual fee: Many of the best business charge cards come with high annual fees. TheInk Business Premier® Credit Cardis$195per year, for example, and theCapital One Spark Cash Plushas a$150annual fee (see rates and fees). Most cash-back business credit cards have no annual fee. And comparable business travel credit cards, like theInk Business Preferred® Credit Card, have annual fees of just$95.
Last updated on January 6, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
Frequently Asked Questions
Business charge cards can be used by companies to purchase inventory, software and other business needs. Charge cards typically have no preset spending limit and require your balance to be paid in full each billing cycle. Most corporate cards are also charge cards, though many have a spending limit that's tied to your business bank account and revenue.
The American Express Blue Business Cash card is a business credit card, not a charge card. Cardholders have a set credit limit and can carry a balance from month to month.
