Overview
Running a business comes with its fair share of challenges, but choosing the right credit card shouldn’t be one of them. Whether you’re looking to maximize rewards on everyday business expenses, score travel perks for work trips, or streamline your cash flow, the right business credit card can make a big difference.
In this roundup, we’re diving into the best business credit cards available today. We know you’re busy, so we’ve done the homework for you, highlighting cards that stand out for cashback rewards, travel benefits, low interest rates, and options tailored specifically for startups or businesses with high monthly expenses. Whether you’re stocking up on supplies, booking client dinners, or managing employee spending, there’s a card that fits the bill.
The Bottom Line:
The best business credit card is the one that works for you, and your spending habits. With so many options on the market, be sure to focus on the one that maximizes your everyday spending whether it is travel rewards or cashback.
The quick pick:
What is a Business Credit Card
Think of a business credit card as your company’s financial sidekick. Just like a personal credit card, it gives you a revolving line of credit you can use to cover everyday purchases, unexpected expenses, or even big-ticket investments.
The big difference? It’s designed specifically for business use, which means you can keep your personal and professional spending totally separate, a lifesaver when tax season rolls around.
But a business credit card isn’t just about convenience. These cards usually come with higher credit limits, options for employee cards, and even built-in expense tracking tools. Plus, when you use it responsibly, it helps build your business credit profile. That can come in handy down the road when you’re ready to apply for bigger financing like a business loan or line of credit.
Benefits of a business credit card
The perks of carrying a business credit card go way beyond just swiping to pay for office supplies. For starters, they make expense management a whole lot easier. You can hand out cards to your employees, set spending limits, and track purchases without chasing down receipts. Many cards even sync with accounting software, which means less number-crunching and more time to focus on growing your business.
Then there are the rewards. Depending on the card, you could earn cash back, points, or travel miles on things you’re already spending money on, like gas, advertising, or equipment. Some premium cards even throw in travel perks like lounge access or travel insurance, which can make those business trips a little more comfortable.
The Rundown:
Best for high-spending businesses: Capital One Venture X Business
Best for Delta business fliers: Delta SkyMiles® Platinum Business American Express Card
Best for high-spending who want cash back: Capital One Spark Cash Plus
Best for small business owners: Chase Ink Business Unlimited® Credit Card
Best for Southwest points earning: Southwest® Rapid Rewards® Performance Business Credit Card
Best for a big bonus: Ink Business Preferred® Credit Card
Best for steady Southwest points: Southwest® Rapid Rewards® Premier Business Credit Card
Best for high-spending owners who like luxury perks: Business Platinum Card® from American Express
Best for businesses with dynamic spending habits: American Express® Business Gold Card
Best for cash-back on business expenses: Chase Ink Business Cash® Credit Card
Best for business luxury travelers: Sapphire Reserve for Business℠
Best for consistent large business spending: Ink Business Premier® Credit Card
- Best for: High-spending businesses
- Annual Fee: $395
- APR: N/A
- Reward Rate: 2X-10X
- Recommended Credit: 740-850
Capital One Venture X Business
150,000 Bonus Miles
Offer Details:
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Why we like it
The Venture X’s intro bonus is huge. For higher spending businesses, few cards can offer as much in the way of miles. The 2x mile per dollar flat-rate makes earning simple and its $395 annual fee is lower than many of the competing preimum cards. Cardholders get their money’s worth in additional benefits, like lounge access, and employee cards can be added for free.
Reward details
2 miles per dollar on every purchase
5 miles per dollar on flights and vacation rentals booked through Capital One’s travel booking site
10 miles per dollar on hotels and rental cars booked through Capital One’s travel booking site
Pros & Cons
Pros
Huge introductory bonus
Strong flat-rate earning on all purchases
High-end perks and benefits
Free employee cards
No foreign transaction fees
Cons
High spending threshold to earn bonus
Terms Apply
- Best for: Steady Reward Earnings
- Annual Fee: $350
- APR: 20.24% - 29.24% Variable
- Reward Rate: 1.5X
- Recommended Credit: Good to Excellent
Delta SkyMiles® Platinum Business American Express Card
100,000 Bonus Miles
Offer Details:
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Why we like it
The Delta SkyMiles® Platinum Business American Express Card is an ideal tool for business owners who frequently fly with Delta and want premium travel benefits. It’s got a few perks that make it much easier to earn elite status with Delta. Plus, its annual companion certificate can save you a ton on your next Delta flight, as it allows you to bring along a companion to anywhere in the US and select international destinations for just the cost of taxes and fees. It also offers statement credits for rideshare purchases and Resy restaurant reservations, both of which can help recoup the cost of the annual fee.
Its 100,000-mile bonus is quite enticing and can help cover the cost of your next vacation — we value those miles at $1,300 in flights on Delta.
Reward details
3x miles at Delta
1.5x miles on transit and eligible U.S. Shipping
1.5x miles on eligible purchases of $5K or more, up to $100K
1x miles on all other purchases.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Pros & Cons
Pros
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The card is offering a sizable 100,000-mile intro bonus, which can easily cover the cost of multiple round-trip flights within the U.S.
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Get a free checked bag for everyone on your booking, up to 8 people.
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Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That’s up to $120 back each year.
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The card can help you earn elite status
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With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
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Card members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. The discount does not apply to partner-operated flights or to taxes and fees.
Cons
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$350 annual fee
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Its mileage earning rates for spending aren’t stellar for a card with this high of an annual fee
- Best for: High-spending business owners who want cash-back
- Annual Fee: $150
- APR: N/A
- Reward Rate: 2%-5%
- Recommended Credit: 740-850
Capital One Spark Cash Plus
Earn $1,000 cash back
Offer Details:
Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
Why we like it
This card is all about earning, no frills. It follows a similar pattern to other Capital One products, offering an unlimited flat-rate earning scheme of 2% cash back on all purchases. Assuming a business could successfully meet the intro bonus requirements, that’s a whopping $14,000 in cashback in the first year. It’s also worth noting that if you own a miles-earning Capital One product, like the Capital One Venture X Credit Card, you can convert your cashback to miles. That would come to a spectacular and flexible 1.4 million miles. In short, it’s an earning machine.
Reward details
2% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One’s travel booking site
Pros & Cons
Pros
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High bonus offer
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No frills, solid earning
Cons
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Perks are catered towards high-spenders
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It is a charge card (some may view this as pro!)
Terms Apply
- Best for: Small Business Owners
- Annual Fee: $0
- APR: 17.49% - 23.49% Variable
- Reward Rate: 1.5%
- Recommended Credit: 670-850
Chase Ink Business Unlimited® Credit Card
$750 Cash Back
Offer Details:
$750 cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we like it
The Ink Business Unlimited Card shines with its large intro bonus, currently sitting at $750 of cash back. The card has no annual fee and a simple but strong rewards-earning rate, with 1.5% cash back (1.5x points) on all purchases. This means you don’t have to worry about tracking any bonus categories and still know that each time you swipe the card you’ll be racking up points.
Even better, if you have a companion Chase card like the Chase Sapphire Preferred® Credit Card, Chase Sapphire Reserve® Credit Card, or the Chase Ink Business Preferred® Credit Card, you can pool your rewards from the Ink Unlimited and make them more valuable by transferring them to Chase’s travel partners like Hyatt, United Airlines, British Airways, Southwest, and more.
Reward details
1.5% unlimited cash back on every purchase for your business
Pros & Cons
PROS
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For small business owners and freelancers it’s one of the best cards for turning spending into valuable rewards. The welcome bonus alone is worth $750 of cash back and you’ll continue to rack up rewards with a solid earning rate that applies to all purchases.
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It has no annual fee.
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If you have another Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can pool your points and make them more valuable. You’ll be able to transfer your points to Chase’s travel partners like Marriott, Air Canada, Southwest, United, and more.
CONS
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It does lack some of the juicier benefits attached to other business credit cards likes the The Business Platinum Card® from American Express. But with no annual fee, it’s hard to argue with its value proposition.
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It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
Terms Apply
- Best for: Southwest Points Earning
- Annual Fee: $299
- APR: 19.99% - 28.49% Variable
- Reward Rate: 2X - 4X
- Recommended Credit: 670-850
Southwest® Rapid Rewards® Performance Business Credit Card
80,000 Bonus Points
Offer Details:
80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Why we like it
The Southwest® Rapid Rewards® Performance Business Credit Card is the airline’s top-tier card geared towards those who frequently travel with Southwest Airlines, however it’s easy for someone who flies the carrier just a few times a year to get a ton of value. With this card, you can earn accelerated points on every purchase, gain access to exclusive travel perks, and enjoy comprehensive travel protections.
Reward details
4X pts on Southwest® purchases.
Earn 2 points for every $1 you spend at gas stations and restaurants
Earn 2X points on hotel accommodations booked directly with the hotel
Earn 2X points on local transit and commuting, including rideshare
Pros & Cons
Pros
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Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
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Enjoy four Upgraded Boardings per year—you’ll get the earliest access to seats and overhead bins on eligible flight segments. Worth up to $30 each, or $120 total. (Benefit expires on 12/31/25)
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You’ll get 9,000 points every year after your first cardmember anniversary. Those points are worth about $125 towards Southwest flights.
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Up to $120 Global Entry, TSA PreCheck®, or NEXUS fee credit
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Up to 365 inflight WiFi Credits per year (WiFi normally costs $8 per Southwest flight)
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$500 fee credit for points transfers per year (Benefit expires on 12/31/25)
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Lost luggage and trip protection benefits
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No foreign transaction fees.
Cons
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Southwest points cannot be transferred or used with any airline partners.
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No statement credits.
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$299 annual fee
Terms Apply
- Best for: Business Travel
- Annual Fee: $95
- APR: 20.24% - 26.24% Variable
- Reward Rate: 1X - 3X
- Recommended Credit: 670-850
Chase Ink Business Preferred® Credit Card
90,000 Bonus Points
Offer Details:
90,000 Bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Why we like it
The Ink Business Preferred Business Card pulls attention with its big intro bonus, currently sitting at 90,000 points. That’s worth in $900 cash back, $1,250 toward travel when redeemed through Chase Travel℠, or even more when transferring to Chase’s travel partners like Hyatt, United Airlines, British Airways and more. But the card shows its real value with its high-earning bonus-spending categories. Freelancers and business owners alike will earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year.
Reward details
3X points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X point per $1 on all other purchases – with no limit to the amount you can earn
Pros & Cons
Pros
Simply put, for small business owners and freelancers it’s one of the best cards for turning business spending into valuable travel. The bonus alone is worth $900 cash back, $1,500 toward travel when redeemed through Chase Travel℠, or potentially more when transferring to Chase’s travel partners like Marriott or Air Canada.
It also offers some stellar protections including a comprehensive reimbursement on damaged or stolen cell phones, and primary rental car coverage.
It has a reasonable $95 annual fee.
If you have another Chase card like the Sapphire Preferred or Reserve, or even a cash back earning Chase card, you can pool your points and make them more valuable.
Cons
It does lack some of the juicier benefits attached to other business credit cards like The Business Platinum Card® from American Express. But with the low fee, it’s hard to argue with its value proposition.
It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
Terms Apply
- Best for: Steady Southwest points
- Annual Fee: $149
- APR: 19.99% - 28.49% Variable
- Reward Rate: 1X - 3X
- Recommended Credit: 740-850
Southwest® Rapid Rewards® Premier Business Credit Card
60,000 Bonus Points
Offer Details:
60,000 Bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Why we like it
The Southwest® Rapid Rewards® Premier Business Credit Card is the airline’s middle-tier business card and offers perks for flying Southwest, plus benefits like travel protections and no foreign transaction fees. It’s easy to maximize for those who fly Southwest just once a year, as benefits like the 6,000 anniversary points and two EarlyBird Check-In® per year more than cover the annual fee (Benefit expires on 12/31/25).
Reward details
Earn 3X points on Southwest Airlines® purchases.
Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per year
Pros & Cons
Pros
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
Earn 3X pts on Southwest® purchases
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
2 EarlyBird Check-In® per year—Get automatic check-in to enjoy a better boarding position and earlier access to overhead bins. (Benefit expires on 12/31/25)
You’ll get 6,000 points every year after your first cardmember anniversary. Those points are worth about $80 towards Southwest flights.
Lost luggage and trip protection benefits.
No foreign transaction fees.
Cons
Southwest points cannot be transferred or used with any airline partners.
No statement credits
Terms Apply
- Best for: High-spending business owners and luxury perks
- Annual Fee: $695
- 18.49%-29.24% Variable
- Reward Rate: 1X-5X
- Recommended Credit: Good to Excellent
Business Platinum Card® from American Express
Earn 150,000 Membership Rewards® Points
Offer Details:
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Why we like it
The Business Platinum Card® from American Express remains one of the most sought-after cards on the market for good reason. It’s bursting with high-end perks like lounge access and helpful statement credits, while its massive 150,000 point intro bonus can’t be beaten.
The annual fee is high and it does take a good amount of spending to make the most of the this card, but for the right business owner, it’s unbeatable thanks to its steady earning rates in high-spend categories.
Reward details
Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com.
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points for each dollar you spend on other eligible purchases.
Pros & Cons
Pros
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Massive intro bonus
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Strong earning on high-spend categories
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Tons of high end perks and useful statement credits
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Looks and feels fantastic
Cons
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High annual fee
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Spending threshold for the bonus is also high
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Lesser spending businesses may find value in a cheaper card
- Best for: Businesses with dynamic spending habits
- Annual Fee: $375
- APR: 18.49%-29.24% Variable
- Reward Rate: 1X-4X
- Recommended Credit: Good to Excellent
American Express® Business Gold Card
100,000 Membership Rewards® Points
Offer Details:
100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Why we like it
The Amex Business Gold card is designed for business owners with a dynamic spending pattern. By offering a strong 4x points per dollar rate on the top two spending categories in each statement, cardholders can rest easy knowing their big purchases are being covered in the best way—whether that’s marketing expenses or treating clients to lunch. While that earning is capped at $150,000 a year, that still represents a potential 600,000 super-valuable Amex Membership Reward points on offer.
Its massive 100,000-point intro bonus is also a significant draw, offering more than $2,000 in travel if transferred to one of Amex’s 21 partners. This is a card that knows its target market and rewards them generously.
Reward details
4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
1X is earned for other purchases.
Pros & Cons
Pros
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Incredible 100,000-point intro bonus
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Strong earning rates that adapt to your spending
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Valuable points currency
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Useful business statement credits
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Insurance protection benefits
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Up to 99 employee cards allowed
Cons
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The annual fee is high
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Small businesses may struggle to hit the intro bonus spending threshold
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Stronger earning rates elsewhere for more stable spending habits
- Best for: Cash Back on Business Expenses
- Annual Fee: $0
- Regular APR: 17.49% - 25.49% Variable
- Reward Rate: 1X - 5X
- Recommended Credit: 670-850
Chase Ink Business Cash® Credit Card
$750 Cash-Back
Offer Details:
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.
Why we like it
The Ink Business Cash Card pulls attention with its big intro bonus, currently sitting at up to $750 of cash back. The card has no annual fee and reward spending categories like 5% cash back (5x points) on purchases at office supply stores and on internet, cable and phone services (up $25,000 per year).
Also, you can supercharge the Ink Cash’s rewards if you have a companion Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred. You can pool your points and make them more valuable by transferring them to Chase’s travel partners like Hyatt, United Airlines, British Airways and more.
Reward details
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
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% cash back on all other card purchases with no limit to the amount you can earn
Pros & Cons
Pros
$750 welcome bonus
No annual fee
If you have another Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can pool your points and make them more valuable. You’ll be able to transfer your points to Chase’s travel partners like Marriott, Air Canada, Southwest, United, and more.
Cons
It does lack some of the juicier benefits attached to other business credit cards likes the The Business Platinum Card® from American Express. But with no annual fee, it’s hard to argue with its value proposition.
It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
Terms Apply
- Best for: Business Luxury Travel
- Annual Fee: $795
- Flex for Business APR: 18.49% - 26.49% Variable
- Reward Rate: 1X – 8X
- Recommended Credit: 670-850
The Sapphire Reserve for Business℠ Credit Card
200,000 bonus points
Offer Details:
Earn 200,000 bonus points after you spend $30,000 on purchases in the first 6 months from account opening.
Why we like it
The Sapphire Reserve℠ for Business takes everything people love about the personal version and supercharges it for business owners. With its revamped perks, business travelers can unlock more than $2,500 in annual value when maximizing benefits like flexible travel credits, airport lounge access, and robust transfer partners.
Reward details
8x points on all purchases booked through Chase Travel℠
5x points on Lyft rides through 9/30/27
4x points on flights and hotels booked direct with the airline or hotel
3x points on social media and search engine advertising
Pros & Cons
Pros
Points can be worth up to 2 cents each when redeemed through the Chase Ultimate Rewards® Portal, keeping redemptions simple and lucrative.
Strong lineup of airline and hotel transfer partners, opening up premium travel redemptions.
Business-friendly perks on common business expenses
Complimentary Priority Pass Select membership with access to over 1,300 lounges and restaurants worldwide.
Up to $300 Travel Credit annually helps offset the fee immediately.
Cons
Subject to Chase’s 5/24 rule
Chase’s once-per-lifetime rule for Sapphire cards applies: if you’ve ever earned a welcome bonus on a Sapphire Reserve, Preferred, or Business, you can’t earn one again on the same product.
The high annual fee is rough unless you can use all the benefits
Terms Apply
- Best for: Large Business Spending
- Annual Fee: $195
- Variable APR: 18.49% – 26.49%
- Reward Rate: 1X – 5X
- Recommended Credit: 670-850
Ink Business Premier® Credit Card
Earn $1,000 bonus cash back
Offer Details:
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Why we like it
The Ink Business Premier® is built for businesses with big spend. There’s no points transfer like some other Chase cards, but its simple cash-back system make it a powerhouse for business owners looking for maximum returns on their spending. If your business has significant outgoings on a host of business categories that would be pinned down by specific bonuses this card could be for you.
Reward details
5% cash back on travel purchased through Chase Travel℠
2.5% cash back on every purchase of $5,000 or more
2% cash back on all other purchases
Pros & Cons
Pros
One of the strongest flat-rate cards available for businesses with large transactions
Huge upfront bonus after $10,000 spend in 3 months.
Elevated earnings on Chase Travel
Flat-rate earnings are simple and lucrative
Solid purchase protection and extended warranty coverage for business expenses.
Cons
Points from this card cannot be transferred to travel partners.
Pay in full format may offer less flexibility for some, despite its helpful features
Terms Apply
How to Choose the Right Card
Picking the right business credit card really comes down to knowing your company’s spending style. If you’re traveling a lot for work, a card that earns airline miles or offers perks like lounge access could be a game-changer. On the other hand, if most of your budget goes toward everyday expenses like office supplies, shipping, or digital ads, a cash-back card might give you the best return.
It’s also worth weighing the costs against the rewards. A premium card with a higher annual fee might be totally worth it if the perks and points outweigh the price, but if your business is just getting started, a no-annual-fee card with simple rewards might be the smarter pick.
Don’t forget to check the fine print too: interest rates, credit requirements, and employee card options can all make a big difference in how well the card fits your business.
Quick checklist before you decide
Match rewards to your biggest business expenses (travel, ads, supplies, etc.)
Compare annual fees vs. perks to see if the card pays for itself
Look at interest rates and intro APR offers if you plan to carry a balance
Check credit requirements to make sure you’ll qualify
See if the card offers free employee cards and spending controls
Look for extras like accounting integrations, insurance, or travel perks
FAQ's
Do I need a registered business to get a business credit card?
Not necessarily! You don’t need an LLC or corporation to apply. Sole proprietors and freelancers can often qualify just by using their Social Security number instead of an EIN (Employer Identification Number). As long as you’re making money through your work, whether that’s freelancing, consulting, or running a side hustle, you may be eligible.
Will a business credit card affect my personal credit?
Yes, it can. Most business credit cards require a personal guarantee, which means your personal credit is checked when you apply. If you pay on time and keep balances low, this usually isn’t an issue, it can even help your credit history. But if payments are late or the account defaults, your personal credit score could take a hit.
Can I use a business credit card for personal expenses?
Technically, yes. But it’s not a good idea. Mixing personal and business spending defeats one of the main benefits of having a business card: keeping finances separate for easier bookkeeping and tax prep. Plus, some card issuers actually prohibit personal use in their terms. You’ll save yourself a lot of headaches by keeping the swipes separate.
What’s the main difference between a business credit card and a personal card?
The biggest difference is in features. Business cards often come with higher credit limits, rewards tailored to business spending categories (like office supplies, advertising, or travel), and tools for managing employee expenses. They also report to commercial credit bureaus, which helps build your business credit profile, something personal cards don’t do.
*All information about The Chase Ink Business Preferred has been collected independently by The Daily Navigator. The Chase Ink Business Preferred is no longer available through The Daily Navigator.
*All information about The Chase Ink Business Premier has been collected independently by The Daily Navigator. The Chase Ink Business Premier is no longer available through The Daily Navigator.
by your friends at The Daily Navigator
