Business credit cards
Business credit cards are designed to help you make purchases for all your business needs. But not just any card will do. You need one of the best business credit cards that is deserving of your business. After all, you put hard work into your company and you need a card that works just as hard for you. A good business credit card should be able to help you earn the highest rewards without charging annual fees and offers a competitive APR. The wrong credit card can harm your credit and put your business in danger.
Our top pick for the best credit cards for business is the Business Platinum card from American Express. You’ll earn a welcome bonus of 40,000 reward points when you spend at least $5,000 on your new card within the first three months of membership. You can also maximize your cash flow by qualifying for 55 days of no interest. Just use the card throughout the month as you normally would for your business expenses and earn points while doing it. It’s as simple as that!
Customers Reviews
Business Platinum Card® from American Express
ALTERNATE PICK
Our alternative picks for the best small business credit cards are listed at the bottom of the page. Some of our top picks include the Capital One Spark Cash for Business, which offers 2% cash back on purchases to help fund your business. Take it one step further with the Capital One Spark Miles with a bonus of 50,000 miles when you spend $5,000 within the first three months of opening the account. You’ll also earn two miles for every $1 you spend and your miles won’t expire ever. We also like the SimplyCash Plus Business Credit Card with a 0% intro APR on purchases for 15 months.
Capital One® Spark® Cash for Business
REGULAR APR
19.24% Variable APR
ANNUAL FEE
$0 for the first year, then $95
RECOMMENDED CREDIT SCORE
690+
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account.
OR
Capital One® Spark® Miles for Business
REGULAR APR
19.24% Variable APR
ANNUAL FEE
$0 for the first year, then $95
RECOMMENDED CREDIT SCORE
690+
Earn 2 miles per $1 on every purchase. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening account. Miles won't expire for the life of the account, and there are no categories to limit where or what you buy.
OR
SimplyCash® Plus Business Credit Card from American Express
REGULAR APR
14.49% - 21.49% Variable APR
ANNUAL FEE
$0
RECOMMENDED CREDIT SCORE
690+
Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business. Save on interest with a 0% intro APR on purchases for 15 months.
OR
Starwood Preferred Guest® Business Credit Card
REGULAR APR
17.99% - 26.99% Variable APR
ANNUAL FEE
$0 for the first year, then $95
RECOMMENDED CREDIT SCORE
690+
Earn 75,000 bonus points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Enjoy complimentary Silver Elite status with your Card
OR
Need a Loan for you business?
Business loans aren’t what they used to be. While you can still walk into a bank to fill out an application, other options may be faster and easier to apply for. Learn more about Business Loans that can grow and strengthen your business.
Ink Business Preferred℠ Credit Card
REGULAR APR
17.99% - 22.99% Variable APR
ANNUAL FEE
$95
RECOMMENDED CREDIT SCORE
690+
Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. No foreign transaction fees. Employee cards at no additional cost.
OR
Ink Business Unlimited℠ Credit Card
REGULAR APR
15.24% - 21.24% Variable APR
ANNUAL FEE
$0
RECOMMENDED CREDIT SCORE
690+
Earn $500 bonus cash back after you spend $3,000 in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase made for your business. 0% introductory APR for 12 months on purchases and balance transfers.
OR
Ink Business Cash℠ Credit Card
REGULAR APR
15.24% - 21.24% Variable APR
ANNUAL FEE
0% on Purchases for 12 months
RECOMMENDED CREDIT SCORE
690+
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet anniversary year.
OR
The Business Platinum® Card from American Express
REGULAR APR
N/A
ANNUAL FEE
$450
RECOMMENDED CREDIT SCORE
690+
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend $10,000 all on qualifying purchases within your first 3 months of Card Membership. Get 50% more Membership Rewards® points.
OR
We recommend that you take advantage of the American Express Global Lounge Collection. This is a program that helps you gain access to over 1,200 airport lounges all over the world. It’s the perfect card for someone who travels and want to get rewarded for it! The program includes both domestic and international lounges to help you relax and enjoy your business travel. You’ll also enjoy flexible terms with no preset spending limits on your card. The more you use your card to make business purchases, the more purchasing power you gain. Your limit may increase over time if you use the card as long as payments are made on time and you have a good credit history.
There are lots of new business credit cards that are helpful if you need a loan. We like the Ink Business Credit Card and the Ink Business Unlimited Card from Chase. You’ll get a $500 bonus after you spend $3,000 within the first three months. You’ll also earn unlimited 1.5% cash back on all other purchases with a 0% introductory APR for one year on balance transfers and purchases. The Business Platinum Card from American Express offers 50,000 membership rewards points when you spend $10,000 and an extra 25,000 point for spending $10,000 within three months.
Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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