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Best Business Credit Cards of November 2024

By Kelsey Sheehy
Last updated on November 1, 2024
Edited byRyan Lane
Fact checked and reviewed
Need help finding a business credit card? Use our guide to compare options and find the best business credit card for cash back, travel rewards and more. Plus, get advice from NerdWallet's business credit card experts to help choose and use your business card.
Credit card, mobile phone, and coin

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 business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your goals faster. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money.

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 business credit cards offer rich ongoing rewards and business-friendly benefits that can help you reach your goals faster. Consider what type of rewards will be most useful (cash back or points) and any other features — like intro APR period, travel credits or bonus categories — that can save your business time and money.

Here are the best business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$900

⏱️ Limited-time offer

Apply now

on Chase's website

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Business charge card (no preset limit)

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Cash back boost (up to 75% more)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.4/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Bonus categories that sync with your spending

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

Travel points + welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

No preset spending limit

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5
$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Business travel card

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Unlimited 1.5% cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Intro APR period (purchases)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Hotel business card

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

50,000

Points

Apply now

on American Express' website

Rates & Fees

Airline business credit card

United℠ Business Card

Apply now

on Chase's website

5.0/5
$0 intro for the first year, then $99

1x-2x

Miles

75,000

Miles

Apply now

on Chase's website

4X points on travel (up to $150K)

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card (no personal guarantee)

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Cash-back business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$900

⏱️ Limited-time offer

Apply now

on Chase's website

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

Business charge card (no preset limit)

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Cash back boost (up to 75% more)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.4/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Bonus categories that sync with your spending

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

Travel points + welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

No preset spending limit

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5
$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Business travel card

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Unlimited 1.5% cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Intro APR period (purchases)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Hotel business card

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

50,000

Points

Apply now

on American Express' website

Rates & Fees

Airline business credit card

United℠ Business Card

Apply now

on Chase's website

5.0/5
$0 intro for the first year, then $99

1x-2x

Miles

75,000

Miles

Apply now

on Chase's website

4X points on travel (up to $150K)

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card (no personal guarantee)

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

I'M INTERESTED IN:

Our pick for

Cash-back business credit card

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900

⏱️ Limited-time offer

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900

⏱️ Limited-time offer

Our pick for

Up to 5% cash back in bonus categories

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

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Business charge card (no preset limit)

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

Pros

  • Earns cash back on primary and employee cards
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee
  • High spending requirement to hit full welcome bonus, annual bonus offers

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

Our pick for

Business card for new businesses

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Businesses with annual spend below $50K

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.7/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Cash back boost (up to 75% more)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Pros

  • No annual fee
  • New cardholder bonus offer
  • High cash back rate

Cons

  • Has foreign transaction fee
  • Requires excellent credit

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

NerdWallet rating 

4.4/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Our pick for

Bonus categories that sync with your spending

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points

⏱️ New elevated offer

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
  • Requires good/excellent credit

American Express® Business Gold Card

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points

⏱️ New elevated offer

Our pick for

Travel points + welcome offer

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.7/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Our pick for

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

The Business Platinum Card® from American Express

NerdWallet rating 

4.8/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Our pick for

No preset spending limit

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

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Purchases that don’t qualify for Flex for Business must be paid in full every month

Ink Business Premier® Credit Card

NerdWallet rating 

4.5/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

Our pick for

Business travel card

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Pros

  • Lounge membership
  • High rewards rate
  • Welcome offer

Cons

  • High annual fee
  • Requires excellent credit
  • Balance must be paid in full every month

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Our pick for

Travel rewards (flat-rate)

Capital One Spark Miles for Business

Read Review
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

Pros

  • High rewards rate
  • No minimum redemption amount

Cons

  • Has annual fee
  • No Intro APR period
  • High APR

Capital One Spark Miles for Business

NerdWallet rating 

4.5/5
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

Our pick for

Unlimited 1.5% cash back

Capital One Spark Cash Select

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Pros

  • No annual fee
  • High rewards rate
  • No reward caps

Cons

  • Requires excellent credit

Capital One Spark Cash Select

NerdWallet rating 

4.9/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Our pick for

Intro APR period (purchases)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Hotel business card

Marriott Bonvoy Business® American Express® Card

Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points

Pros

  • Anniversary perk
  • High rewards rate
  • Automatic elite status

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Lower acceptance abroad

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points

Our pick for

Airline business credit card

United℠ Business Card

Read Review
Apply now

on Chase's website

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles

Pros

  • Free checked bag
  • Lounge membership
  • Anniversary perk

Cons

  • Has annual fee
  • Rewards have limited flexibility

United℠ Business Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles

Our pick for

4X points on travel (up to $150K)

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Pros

  • Bonus categories
  • Welcome offer
  • Annual fee waived for the first year

Cons

  • Requires good/excellent credit
  • No intro APR offer

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Our pick for

Corporate card (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
  • Qualify with limited/bad credit
  • Bonus categories
  • No foreign transaction fees
  • No personal guarantee

Cons

  • Complicated rewards structure
  • High capital requirement for approval
  • Daily repayment may be required
  • Not available to sole proprietors

Brex Card

NerdWallet rating 

3.2/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

Other top business credit cards

These business credit cards are also worth considering. Before applying, confirm details on the issuer's website.

Wells Fargo Signify Business Cash℠ Card

Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating:
5
.
If you're looking for a cash-back business card, the
Wells Fargo Signify Business Cash℠ Card
checks virtually every box. High rewards rate? Check. No annual fee? Check. Intro APR period? Check. Welcome offer? Check. In fact, it's hard to find something not to like about the Signify Business Cash, which is the only business credit card on our list to offer unlimited
2%
cash back on all purchases with no annual fee.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

Best for: Secured business credit card
This card has not been rated by NerdWallet.
This Bank of America card is a great alternative for entrepreneurs who can't qualify for a standard business credit card. You'll need to put down a deposit, which serves as your credit limit. But unlike some other secured business cards, you'll earn rewards — unlimited 1.5% cash back on all purchases — and there's no annual fee. Use it responsibly to establish business credit and potentially get upgraded to a non-secured Bank of America business card.

Business credit card guide: Expert tips and advice

Choosing a business credit card: 10 factors to consider

Your business's spending and goals should dictate your choice of business credit card. A simple cash-back option with no annual fee is a great choice for most companies (and a good default if you're facing decision fatigue). Other decision factors include:

Types of business credit cards

One blue credit card with a green card behind it.
Cash backSome cash back cards offer up to 5% back in certain categories, other offer a flat rate of 1%-2% on all business purchases.
A blue credit card with a golden plane at the bottom and a palm tree at the top.
Travel rewardsRack up points or miles to redeem on future travel and get perks like lounge access, free hotel stays and statement credits for Global Entry.
A green credit card.
Charge cardsBusiness charge cards have no pre-set spending limit — a draw for businesses with large operating budgets — but you must pay your balance in full each month.
Hand holding a credit card.
Corporate cardsApproval is based on your business financials, not your personal credit, and cards do not require a personal guarantee.

Business credit cards: Benefits and drawbacks

A business credit card can be a great tool to build business credit while earning rewards on things like operating costs and inventory, but they come with some risks, too. Weigh the benefits of a business credit card against any potential drawbacks before applying.
Pros

Build your business credit history.

Earn rewards for business spending.

Keep business and personal expenses separate.

Ability to issue employee cards; manage spending with custom controls.

Cons

Most busines cards require a personal guarantee.

You need good/excellent personal credit to qualify.

Interest rates are high compared with business loans and lines of credit.

Business cards have fewer federal protections than consumer credit cards.

What you need to apply for a business credit card

Applying for a business credit card is pretty straightforward. Business credit card requirements typically include:
  • Business name. No formal business name? Just use your name.
  • Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
  • Employer identification number or Social Security number. You can get a business credit card without an SSN, but you'll need different identifying info instead.
  • Industry. This can be a broad category like retail, medical or professional services, or something more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
  • Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
  • Time in business, revenue and expenses. If your business has no annual revenue, simply enter "$0."
  • Personal guarantee. Virtually all small-business credit card applications require a personal guarantee. This means you’re personally responsible for the balance on your business card even if your company goes belly up. Want to avoid the personal guarantee? Look to a corporate card like Ramp or Brex.

4 tips to maximize business credit card rewards

Some cash and a credit card.
1. Lock down that bonusYou typically need to spend $3,000 to $6,000 within three months to earn a welcome bonus (some cards require more).
One blue credit card on a flat surface with coins on both sides.
2. Leverage every perkCash back and travel points are often just the tip of the iceberg. Several cards offer discounts or credits on things like software and travel expenses when you pay with your card.
Wallet with a gold credit card.
3. Stack multiple business cardsUse a flat-rate card for everyday expenses and a card with bonus categories for specific costs, like gas or advertising, to earn the best rate on all business spending.
Paper documents wrapped with a ribbon that has a checkmark on it.
4. Deduct interest and feesIf you’re using your card for business costs only, fees and interest count as business expenses. That means you can deduct them at tax time.

Business credit cards: Frequently asked questions

From the forums: What small-business owners say about business credit cards

NerdWallet's writers regularly monitor forums like Reddit, Quora and MyFICO to stay keyed into small-business owners' questions about — and experiences with — business credit cards. Every month, we feature different questions, answers and insights here.
A Reddit user asks for business credit card recommendations for a very small business.
October's topic: Business card recommendations for very small businesses (~$10,000 in annual expenses). View the full conversation on Reddit.
Entrepreneurs with small operations and minimal expenses don't need to stress about caps on rewards. But earning sign-up bonuses can be challenging. That makes the following picks solid, as they require just $3,000 spent (low by business card standards) to earn their welcome offers:
  • The American Express Blue Business Cash™ Card
    .
  • Ink Business Cash® Credit Card
    .
  • Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
    .
Redditors mention some additional options, like the
Capital One Spark Cash Select
. That's a great card, but it has a higher spend requirement than those above — though its bonus is bigger, too (see rates and fees). Another user mentions the
Business Green Rewards Card from American Express
. And while that card's bonus is attainable, we think its annual fee and middling rewards make it a lackluster choice overall.

Methodology: How we rate the best business credit cards

NerdWallet evaluates business credit cards on more than a dozen factors, including annual fee, welcome bonus, rewards rate, bonus categories and intro APR period. Business cards need to earn at least 4 stars or be the best in their category (corporate cards, for example) to make our list of best business credit cards.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.
To view rates and fees of the
American Express® Business Gold Card
, see this page.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
View rates and fees of
Capital One Spark Cash Plus
.
View rates and fees of
Capital One Spark Miles for Business
.
View rates and fees of
Capital One Spark Cash Select
.
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.
Information for the Capital One® Spark® Classic for Business was not reviewed by or provided by Capital One.
All information about the Business Green Rewards Card from American Express has been collected independently by NerdWallet. The Business Green Rewards Card from American Express is no longer available through NerdWallet.
Last updated on November 1, 2024

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.