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.
The best nonprofit credit cards help your organization put its money and time toward the work that matters most. That may be a small-business credit card that offers cost savings via cash back, or one that creates new efficiencies.
For instance, all our picks for the best credit cards for nonprofits provide free employee cards, making it simple to track and reconcile every purchase and set limits on employee spending. It also keeps your team from having to front expenses themselves and then file for reimbursement.
Best business credit cards for nonprofits
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- The American Express Blue Business Cash™ Card: Best for small nonprofits.
- BILL Divvy Corporate Card: Best for replacing employee reimbursements.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Charity Charge Nonprofit Business Card: Best secured card designed for nonprofits.
- Devote Card: Best spend management platform for nonprofits.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office supplies.
- Ramp Card: Best corporate card for nonprofits.
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best travel card for nonprofits.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for up to 3% cash back on gas.
- Wells Fargo Signify Business Cash℠ Card: Best cash-back business credit card for nonprofits.
While all of our picks for business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
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.
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.
The best nonprofit credit cards help your organization put its money and time toward the work that matters most. That may be a small-business credit card that offers cost savings via cash back, or one that creates new efficiencies.
For instance, all our picks for the best credit cards for nonprofits provide free employee cards, making it simple to track and reconcile every purchase and set limits on employee spending. It also keeps your team from having to front expenses themselves and then file for reimbursement.
Best business credit cards for nonprofits
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- The American Express Blue Business Cash™ Card: Best for small nonprofits.
- BILL Divvy Corporate Card: Best for replacing employee reimbursements.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Charity Charge Nonprofit Business Card: Best secured card designed for nonprofits.
- Devote Card: Best spend management platform for nonprofits.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office supplies.
- Ramp Card: Best corporate card for nonprofits.
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best travel card for nonprofits.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for up to 3% cash back on gas.
- Wells Fargo Signify Business Cash℠ Card: Best cash-back business credit card for nonprofits.
While all of our picks for business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
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.
Here are the best credit cards for nonprofits
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
5% cash back on office supplies Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Up to 3% cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
No pre-set spending limit 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 card for nonprofits Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Replacing employee reimbursements 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 |
5% cash back on Amazon brands Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
Small nonprofits The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Travel card for nonprofits U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
I'M INTERESTED IN:
Our pick for
5% cash back on office supplies
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
You can rack up some serious cash back if your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
: 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
. - Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 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
- Member FDIC
Our pick for
Up to 3% cash back on gas
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
This is a solid cash-back card for nonprofits, especially for those looking for bonus rewards on gas:
Earn 3% cash back on eligible purchases at gas stations 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). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
. - Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
No pre-set spending limit
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
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance.- 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 card for nonprofits
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
Ramp offers solid software features like automatic receipt matching and expense categorization, spending controls, automatic spending approval flows and expense forecasting tools. The
Ramp Card
also integrates directly with multiple accounting providers, including QuickBooks.- 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
Replacing employee reimbursements
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
BILL Divvy Corporate Card
has direct integrations with QuickBooks, Xero and Oracle NetSuite (among others), and boasts that it can work with any accounting software. Beyond that, its spend management platform lets you set and adjust budgets for each employee card, see top-level organization spending, attach receipts to individual purchases and automatically categorize certain transactions.- 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.
Our pick for
5% cash back on Amazon brands
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
The
Amazon Business Prime American Express Card
is available to Amazon Prime and Business Prime members, and it's a good choice if you spend on Amazon brands. It lets you choose between 90 days of interest-free financing on Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases or 5% cash back on the first $120,000 spent within those categories (1% after that).- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
View Rates & Fees
Our pick for
Small nonprofits
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This no-annual-fee card is a great choice for nonprofits expecting to spend less than $50,000 per year (about $4,150 per month) on their credit card, thanks to the way its rewards are structured.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Travel card for nonprofits
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
If travel is a major spending category for your organization, the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
is hard to beat. It offers high rewards rates on lots of different types of spending, including traditional travel purchases like hotels and rental cars along with gas, dining and cell phone providers.- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Before applying, confirm details on the issuer’s website.
Wells Fargo Signify Business Cash℠ Card
Our pick for: Best cash-back business credit card for nonprofits
NerdWallet star rating:
5
The
Wells Fargo Signify Business Cash℠ Card
is a no-brainer for nonprofits that want to earn cash back on spending that doesn’t always fall into the same categories. It doesn’t charge an annual fee, and you’ll get 2
% cash back on all your spending. There’s also 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR
, which gives you some flexibility to finance large purchases and pay them off over time. Note, however, that only existing Wells Fargo customers can apply online for this card; others have to visit a branch. Learn more and apply.Devote Card
Our pick for: Spend management platform for nonprofits
This card has not been rated by NerdWallet.
The Devote Card is a corporate card; however, it functions more like a debit card as your spending limit is tied to a deposit. Similar to the
Ramp Card
and BILL Divvy Corporate Card
, Devote comes with a spend management platform — users can issue unlimited employee cards, set spending limits and control transactions related to certain categories or vendors. You can upload receipts, and the software integrates with QuickBooks. There are also features specific to nonprofits, like tracking sales tax so you can apply for exemptions. Devote offers rewards, but says they vary with each organization.Charity Charge Nonprofit Business Card
Our pick for: Secured card designed for nonprofits
This card has not been rated by NerdWallet.
The Charity Charge Nonprofit Business Card was built for nonprofit organizations that have been in operation for at least two years and meet certain revenue thresholds. Don’t qualify? Charity Charge also offers a secured card with a minimum $5,000 deposit. With either option, your organization can save money with no annual fee, plus cash-back rebates at participating vendors and group purchasing discounts. Nonprofit organizations have real-time control over employee cards and can pause or cancel access online. Learn more.
A nonprofit credit card is a financing option for charities and other tax-exempt organizations. There are only a handful of credit cards designed specifically with nonprofits in mind — but nonprofits also have access to general small-business credit cards, which offer a wide range of benefits.
Credit cards for nonprofits work the same way credit cards for individuals and other businesses do. You can use the card to pay for organizational expenses, up to your credit limit; you pay the credit card issuer back over time; and you’ll pay interest on whatever balance remains after the due date.
Yes, nonprofits can use credit cards in the same way for-profit businesses can. There are generally no revenue requirements for most business credit cards (corporate cards are a notable exception). If you have good or excellent personal credit, you may be able to qualify for many different nonprofit credit cards.
Business credit cards offer flexible financing that can help your nonprofit keep up with expenses even when cash flow is uneven. Beyond that, many offer perks like cash back and travel rewards, plus the ability to issue cards to your employees and monitor their spending.
If you need to fund larger purchases, like equipment and real estate, nonprofit business loans can help. Unlike business credit cards, though, loan applications will require lots more detail about your nonprofit’s finances, which may make this financing tougher to obtain.
To qualify for nonprofit credit cards, you’ll generally need good to excellent personal credit (a FICO score of 690 or above). There are a handful of bad credit business credit cards, however.
Most business credit cards will require you to sign a personal guarantee. Corporate cards, like the
Ramp Card
and BILL Divvy Corporate Card
, are the exceptions.Yes, nonprofits are generally subject to the same credit card fees as for-profit businesses.
Unlike nonprofit bank accounts — which may waive fees or offer other cost savings — major credit card issuers don't usually include perks for charities. Ultimately, it’s probably best to choose a card with rewards or features that match your organization's overall spending and needs instead of seeking one with specific features for nonprofits.
That said, some niche options do have nonprofit-targeted benefits. For example, the Charity Charge Nonprofit Business Card donates cash back to a nonprofit of your choice.
Your local bank or credit union may also offer credit cards with perks specific to nonprofits. For instance, Colorado’s Ent Credit Union gives nonprofits access to a business credit card with no personal guarantee. Talk to your local financial institutions about their options to see whether any meet your needs.
Consider the following factors when evaluating a business credit card for your charity or nonprofit organization.
- Your qualifications. Business credit card applicants typically need good or excellent credit to qualify for most cards. If you have bad or fair credit, your options are more limited. A secured business credit card may be a good start. Some corporate credit cards are available without a credit check and can be underwritten to your organization — eliminating the need for a personal guarantee. But you’ll likely need strong financials to qualify.
- Spending controls. Giving out employee credit cards means your staff won’t always have to cover expenses themselves, then file for reimbursement. And the person who manages your organization’s finances can typically limit how much they can spend at once or what they can use those credit cards for.
- Cash-back rewards. There are two types of cash-back business credit cards: those that pay a flat rewards rate on all your spending, and those that pay higher rates on certain types of spending, like gas. If your nonprofit’s spending is all over the place, a flat-rate card is likely the better fit. But if you consistently spend a lot on those higher-rate categories, look for a card that rewards that spending.
- Travel rewards. Earning miles or hotel points can help your business save money when it’s time to travel for conferences or speaking engagements. But travel business credit cards are more likely to charge annual fees.
- Speaking of which: annual fees. Many business credit cards — especially those with the most lucrative rewards rates — charge annual fees. If you use these cards enough, the rewards often cover the cost of the fees. But if you don’t want to incur additional expenses, avoid them.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.To view rates and fees of the
Amazon Business Prime American Express Card
, see this page.The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
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 credit cards.
